FroggyTalk Terms and Conditions

Effective date: 06 October 2026

These Terms and Conditions (Terms) govern your access to and use of the FroggyTalk mobile application, website, calling services, Calling Credit, vouchers, radio, bill payment services, and any other services that we make available under the FroggyTalk brand. Please read them carefully before using FroggyTalk or making a purchase.

1. About FroggyTalk

1.1 FroggyTalk is the trading name of Appbeam Technology B.V., registered with the Dutch Chamber of Commerce (KVK) under number 97711160, with registered address at Koninginnegracht 10, 2514AA 's-Gravenhage, the Netherlands and VAT no NL868196137B01. Depending on the services used, a different FroggyTalk Group entity may be responsible for providing those services. Where a different FroggyTalk Group entity is involved, that entity will be expressly identified at the point of contracting. The FroggyTalk Group entities include: Appbeam Technology Limited, Harmony Close, Harmony Estate, Okeiranla, Off Addo Road, Ajah, Lagos, Nigeria.

1.2 In these Terms, FroggyTalk, we, us or our means the FroggyTalk contracting entity identified above. FroggyTalk Group means FroggyTalk and its affiliates, including Appbeam Technology Limited.

1.3 Other FroggyTalk Group entities may support the platform, customer operations, technical development, supplier relationships and certain bill payment services, either as an affiliate/subcontractor of FroggyTalk or, where expressly disclosed, as a local operating partner or agent of a Service Provider.

1.4 You can contact us at support@froggytalk.com or through any other customer support channel made available by FroggyTalk from time to time.

2. Scope, acceptance and order of precedence

2.1 These Terms apply whenever you download, install, access or use the App, create an Account, purchase or use Calling Credit or a Voucher, use our calling service, submit a bill payment request, create or use a Bill Payment Subscription, access radio or directory content, or otherwise use any FroggyTalk Service.

2.2 By creating an Account, clicking or tapping to accept these Terms, purchasing a Service, using Calling Credit, submitting a bill payment request, confirming or using a Bill Payment Subscription, or continuing to use the Services after being notified of an update, you agree to these Terms.

2.3 If you do not agree to these Terms, you cannot use the Services. If you are using the Services on behalf of a business or organisation, you confirm that you have authority to bind that business or organisation.

2.4 Additional terms may apply to specific Services, countries, payment methods, promotions, app stores, third-party providers, or bill payment providers. Those additional terms form part of your agreement with us where they are presented to you before or during use of the relevant Service.

2.5 If there is a conflict between these Terms and a service-specific term, the service-specific term shall prevail and govern in respect of that Service. Nothing in these Terms excludes or limits any rights that cannot be excluded or limited under mandatory applicable law.

2.6 Our Privacy Policy and Cookie Policy explain how we collect and use personal data, and how we use cookies. They do not replace these Terms and should be read separately. You can find our Privacy Policy here: https://froggytalk.com/privacy-policy/ and our Cookie Policy here: https://froggytalk.com/cookie-policy-eu/.

2.7 These Terms take effect on the Effective Date stated above, unless a later effective date is stated in a notice provided under Section 24.

3. Definitions

Account: your registered FroggyTalk account.

App: the FroggyTalk mobile application and any related web application or software interface.

Auto-Refill: an optional feature under which, after you expressly enable it, you authorise FroggyTalk to automatically purchase and add Calling Credit to your Account when the agreed Auto-Refill trigger occurs, using the eligible payment method you authorised.

Bill Payment Solution: the service through which FroggyTalk enables users to request or arrange eligible payments for, or purchases of, products or services supplied by third-party Service Providers.

Bill Payment Subscription: a recurring arrangement under which eligible Bill Payment Solution transactions are submitted or arranged at the recurring intervals disclosed before you confirm the Subscription and only where you expressly enable or confirm the arrangement.

Calling Credit: prepaid credit purchased or credited to your Account and usable only for eligible FroggyTalk calling services, unless we expressly say otherwise.

Calling Credit Activity: the purchase of Calling Credit, including a successful Auto-Refill purchase, or the use of Calling Credit to make a call through the FroggyTalk platform.

Commitment Period: any initial fixed period applicable to a Bill Payment Subscription, as shown before you confirm the Subscription.

Community Features: the radio live chat and any other feature that allows Users to post or share content visible to other Users.

Consumer: a natural person acting for purposes outside their trade, business, craft or profession.

Scheduled Payment Date: the date on which we are scheduled to initiate a recurring charge and submit or arrange the corresponding Bill Payment Solution request.

Service Provider: a third-party biller, utility provider, telecommunications provider, content provider, merchant, network operator, bank, payment service provider, aggregator, or other third party involved in making a Service available.

Services: all services made available by FroggyTalk, including calling, Calling Credit, vouchers, the App, the Bill Payment Solution, the radio station directory, radio access and support services.

Subscription Discount: any promotional reduction, discount or other pricing benefit made available in connection with a recurring or subscription-based FroggyTalk Service, subject to the terms of the applicable offer.

User, you or your: the person or business accessing or using the Services.

User Content: any text, message or other content you post, upload or share through the Community Features.

Voucher: a promotional code, prepaid voucher, bonus credit, coupon or similar benefit that can be redeemed in accordance with its stated terms.

4. Eligibility, account registration and security

4.1 You must be at least 18 years old, or the age of legal capacity in your country of residence if higher, to create an Account or make purchases.

4.2 You must provide accurate, current information when creating or using an Account, including your phone number, email, payment details and any other information reasonably required for the Services you use.

4.3 You are responsible for maintaining the confidentiality and security of your Account credentials, devices, phone number, email account and payment instruments. You must notify us promptly if you suspect unauthorised access or misuse.

4.4 You must not sell, transfer, lend, rent, share or assign your Account without our prior written consent. We may require verification before allowing access to, changes to or recovery of an Account.

4.5 We may refuse registration, suspend access, require re-verification or close Accounts where we reasonably suspect fraud, abuse, identity misuse, payment risk, breach of these Terms, unlawful activity, sanctions risk, security risk or regulatory risk.

5. The FroggyTalk services

5.1 FroggyTalk may provide some or all the following Services:

• calling services using the App, including paid calls funded by Calling Credit;
• Calling Credit, Vouchers and promotional credits;
• access to radio stations, radio programmes or other third-party media content, including a directory of available stations;
• the Bill Payment Solution, including Bill Payment Subscriptions where available; and
• customer support, notifications and any related services we make available.

5.2 The Services may require a compatible device, an internet connection, a valid phone number, a valid email address and supported payment method. Your mobile operator, internet provider or other third party may charge you for data, roaming, SMS, calls or other connectivity.

5.3 Services, features, prices, destinations, suppliers, supported countries, currencies and payment methods may vary by location, device, operating system, app version, regulatory requirements and supplier availability.

5.4 We may introduce, change, limit, suspend or withdraw features where reasonably necessary for technical, security, legal, regulatory, supplier, commercial or operational reasons. Where required by law, we will provide notice of any such changes in advance.

6. Calling service

6.1 The calling service allows eligible Users to make calls through the App to supported destinations using Calling Credit. Calls may be carried over the internet, telecommunications networks and third-party carrier routes.

6.2 Call quality and availability can be affected by your device, internet connection, mobile network, destination network, carrier routing, power supply, software version, firewall, geographic location and other factors outside our control.

6.3 FroggyTalk is not a replacement for your ordinary fixed-line, mobile or emergency telephone service. Unless we expressly state otherwise and are legally required to support it, the calling service must not be used for emergency calls, including calls to 112, 911, 999 or other emergency numbers. In an emergency, use a standard fixed-line or mobile phone service capable of reaching the relevant emergency services.

6.4 We may block, restrict or surcharge calls to certain destinations or number ranges, including premium-rate numbers, satellite numbers, short codes, emergency numbers, special service numbers, high-risk destinations, numbers associated with fraud or abuse, or destinations not supported by our carriers.

6.5 Caller ID, call connection, ring tone, call duration information, billing records and call completion may depend on third-party networks. We do not guarantee that caller ID will be displayed, accurate or accepted by the destination network.

6.6 You must not use the calling service for auto-dialling, call centres, telemarketing, spam, harassment, nuisance calls, fraud, unlawful recording, impersonation, emergency calling workarounds, reselling, bulk traffic generation, traffic pumping, bypass, SIM-box activity or any use that breaches law, carrier rules or these Terms.

6.7 You are responsible for complying with applicable laws on call recording, consent, privacy, telecommunications, marketing, sanctions and export controls in every country from which, to which or in which you use the calling service.

7. Calling Credit, Auto-refill, vouchers, prices and expiry

7.1 You must purchase or redeem Calling Credit to use paid calling services, unless we make a Service available free of charge or on promotional terms.

7.2 Calling Credit may be purchased through the channels and using the payment methods made available by FroggyTalk. Calling Credit may also be purchased automatically where Auto-Refill has been enabled in accordance with these Terms. Subject to clause 8.4, once payment is successfully confirmed, the applicable Calling Credit will be added to your Account. Processing times may vary depending on the payment method, payment provider or other relevant circumstances. We will confirm the purchase on a durable medium.

7.3 Calling Credit is a closed-use prepaid credit for eligible FroggyTalk calling services only. It is not a bank account, deposit, payment account, electronic money, money remittance service, investment, gift card for general use or stored-value product redeemable for cash. Unless we expressly state otherwise, Calling Credit cannot be used for bill payments, withdrawn, transferred to another user or exchanged for money.

7.4 Call charges are deducted from your Calling Credit based on the applicable destination rate, call duration, connection fee, taxes, surcharges, billing increment and any other price element shown or referred to before purchase or use. Calls may be rounded up to the nearest billing increment.

7.5 Rates may vary by destination, number type, route, carrier, time, currency, taxes and promotions. We may change rates at any time. The applicable rate is the rate made available in the App or on our website at or shortly before the relevant call, unless a specific promotion states otherwise.

7.6 Your displayed balance is provided for convenience and may be updated after delayed call detail records, carrier records, refunds, adjustments, fraud checks or corrections. If a technical or billing error creates an incorrect balance, we may correct it. If your Account becomes negative because of delayed records or an error, we may deduct the shortfall from future credits or require payment, to the extent permitted by law.

7.7 Purchased Calling Credit remains valid for twelve (12) months from the date of your last Calling Credit Activity.

7.8 Bill payments, Bill Payment Subscriptions, radio use, logging into or accessing the App, or use of another FroggyTalk Service without purchasing or using Calling Credit do not constitute Calling Credit Activity.

7.9 If no Calling Credit Activity occurs during a continuous period of twelve (12) months, any remaining unused purchased Calling Credit will automatically expire and be forfeited, and the applicable Calling Credit balance will be reset to zero (0), without compensation, reimbursement or reinstatement, except where required by applicable mandatory law.

7.10 You are responsible for maintaining Calling Credit Activity to preserve your purchased Calling Credit. We will use reasonable efforts to provide advance notice before purchased Calling Credit expires. Failure to receive a notification, including because your contact details are outdated or notifications are disabled, does not prevent expiry where expiry is otherwise permitted by law.

7.11 Promotional credits, bonus credits, referral credits, goodwill credits, trial credits and Vouchers may have shorter validity periods, additional conditions, destination restrictions, usage limits and non-refundability terms. If no validity period is stated, we may apply a reasonable promotional validity period and may withdraw unused promotional credits where a promotion is withdrawn, abused or expires.

7.12 Vouchers and promotional credits have no cash value, are not refundable, may not be resold and may be cancelled if obtained or used fraudulently, unlawfully, in breach of promotional terms or contrary to the purpose of the promotion.

7.13 Where available, you may choose to enable Auto-Refill using an eligible payment method. Auto-Refill is optional and will not be activated unless you expressly enable it.

7.14 Before Auto-Refill is enabled, we will disclose the material terms applying to the arrangement, including the applicable trigger, Auto-Refill amount, payment method and how Auto-Refill may be disabled, together with any other information required by applicable law. You must confirm these details before Auto-Refill is activated.

7.15 Auto-Refill may be initiated when the applicable Auto-Refill trigger disclosed to you is met, subject to any limits and other conditions applying to your Auto-Refill arrangement. The applicable trigger, Auto-Refill amount and other material terms will be disclosed before you enable Auto-Refill. A successful Auto-Refill does not guarantee that Calling Credit will be added before or during any particular call or that a call will not be interrupted. A single trigger event will not result in more than one Auto-Refill.

7.16 If an Auto-Refill payment is successful, the applicable Calling Credit will be added to your Account in accordance with clause 7.2. Each Auto-Refill is a purchase of Calling Credit and is subject to the provisions of these Terms relating to Calling Credit, payments, refunds and billing disputes. If your Account has a negative Calling Credit balance because of delayed records or an adjustment permitted under clause 7.6, Calling Credit added through Auto-Refill may first be applied against that negative balance.

7.17 We may apply limits to the number, frequency or value of Auto-Refills for fraud prevention, security, payment risk, regulatory compliance or protection against unexpected spending. Any material limit forming part of your Auto-Refill arrangement will be disclosed before you enable the feature or otherwise made available to you. We will not materially increase an agreed spending limit applicable to an active Auto-Refill arrangement without your agreement, except where permitted or required by law.

7.18 If an Auto-Refill payment fails, no Calling Credit will be added in respect of that attempted purchase. We may retry the payment in accordance with the retry arrangements disclosed to you. Repeated payment failure may result in Auto-Refill being paused or disabled, and we may require you to update or confirm your payment method before Auto-Refill resumes.

7.19 We will notify you after each successful Auto-Refill. We will also notify you if an Auto-Refill payment fails or if Auto-Refill is paused or disabled because of repeated payment failure. Notifications may be provided through the App, email, SMS, push notification or another communication channel made available by FroggyTalk.

7.20 You may disable Auto-Refill at any time using a method made available by FroggyTalk. Once your instruction to disable Auto-Refill has been received and processed, we will not initiate a new Auto-Refill transaction. Disabling Auto-Refill does not cancel, reverse or refund any transaction already initiated or completed before your instruction took effect. Any change to the payment method or other material terms of an existing Auto-Refill arrangement must be made in accordance with the options made available by FroggyTalk and, where required, confirmed by you.

7.21 We will not change the Auto-Refill trigger, Auto-Refill amount or payment method applicable to your active Auto-Refill arrangement without your express agreement. We may suspend or disable Auto-Refill where reasonably necessary because of payment failure, fraud or security risk, suspected unauthorised use, technical failure, legal or regulatory requirements, payment-provider requirements or discontinuance of the feature. Where reasonably practicable, we will notify you if Auto-Refill is suspended or disabled. Suspension or discontinuance of Auto-Refill does not affect Calling Credit already purchased or transactions already completed.

8. Payments, taxes, receipts and payment processors

8.1 Prices, rates and fees applicable to a transaction will be disclosed before confirmation. Prices shown to Consumers will include VAT and other applicable taxes where these can reasonably be calculated in advance. Where the total price cannot reasonably be calculated in advance, we will disclose the basis on which it will be calculated and any additional costs that may apply.

8.2 You must use a payment method that you are authorised to use. You authorise us, our app-store provider, our payment processor or the relevant Service Provider to charge your selected payment method for purchases, fees, taxes, surcharges and any other amounts due in accordance with these Terms. When you enable Auto-Refill using an eligible payment method, you also authorise FroggyTalk and the relevant payment processor or payment service provider to charge that payment method for the agreed Auto-Refill amount when the agreed Auto-Refill trigger occurs, subject to the limits and other conditions in Section 7. This authorisation continues until Auto-Refill is disabled or otherwise terminated in accordance with these Terms.

When you create a Bill Payment Subscription, you also authorise FroggyTalk and the relevant payment processor or payment service provider to initiate recurring charges to your selected payment method in accordance with the Subscription details presented to you and Section 12.

You are responsible for keeping any payment method used for recurring or automatic payments valid and up to date.

8.3 Payments may be processed by third-party payment processors, banks, card schemes, mobile money providers, app stores or other payment intermediaries. Their terms, privacy notices, fees, refund processes and dispute processes may apply in addition to these Terms.

8.4 We may perform fraud, sanctions, risk, identity, payment and transaction monitoring checks. We may refuse, delay, reverse, limit or cancel a transaction where required or reasonably appropriate for security, compliance, risk management, supplier rules, fraud prevention or legal reasons.

8.5 If you purchase through Apple App Store, Google Play or another app store, the app-store provider may be the merchant of record and may control billing, tax calculation, cancellation and refunds. You must follow the relevant app-store process for refunds or payment disputes where applicable.

8.6 You are responsible for any foreign exchange costs, bank fees, card fees, payment processor fees, chargeback fees, mobile money fees, taxes or other third-party costs associated with your payment method, except to the extent mandatory law provides otherwise.

8.7 We may provide receipts, confirmations and notices electronically using a communication method made available by FroggyTalk. Where applicable law requires information to be provided on a durable medium, we will use a method that satisfies that requirement.

9. Consumer withdrawal rights and refund policy

Right to withdrawal

9.1 If you are a Consumer and purchase Services online, you may have a statutory right to withdraw from the purchase within fourteen (14) days without giving a reason, unless an exception applies (the Service has been fully performed, Calling Credit has been used, a bill payment has been completed, or another legal exception applies).

9.2 Where you wish to withdraw from a purchase, you may do so within fourteen (14) days of the purchase date by using any withdrawal function made available in the App or on our website, or by sending an unequivocal statement of your decision to support@froggytalk.com. You may use the model withdrawal form in Schedule 1, but it is not obligatory.

Exceptions

9.3 By choosing to use Calling Credit immediately after purchase, you expressly request that we begin performance before the end of any withdrawal period. You acknowledge that this may reduce or, where the Service has been fully performed or digital content has been supplied as legally required, remove your right to withdraw or receive a refund.

9.4 We will not refund:

• Calling Credit that has been used, expired, forfeited, transferred in breach of these Terms or credited as a promotion, bonus or goodwill gesture;
• completed calls, except where a verified technical or billing error occurred;
• completed Bill Payment Solution transactions once the relevant Service Provider or payment provider confirms completion, unless reversal is permitted or mandatory law requires a refund;
• fees charged by banks, app stores, payment processors, card schemes, mobile operators or other third parties, except where mandatory law requires otherwise; or
• transactions connected to fraud, abuse, breach of these Terms, unauthorised resale, chargeback abuse or unlawful activity.

9.5 Refund requests submitted after the fourteen (14) day period may be considered at our sole discretion and do not create an obligation to provide a refund, unless mandatory law requires otherwise.

Effects of withdrawal

9.6 If you withdraw from a purchase in accordance with this Section 9, we will reimburse the payment received for that purchase, less an amount proportionate to the part of the Service already provided up to the time you informed us of your withdrawal (for example, Calling Credit already used), in line with clause 9.4.

9.7 Refunds will normally be made to the original payment method. Refund timing may depend on banks, app stores, card schemes, mobile money operators, payment processors and Service Providers, but FroggyTalk will reimburse the payment without undue delay and in any event no later than fourteen (14) days from the day on which we are informed of your decision to withdraw.

9.8 If you believe a call was incorrectly charged because of a technical fault, you must contact us within thirty (30) days of the charge and provide reasonable details. If we verify an error, we may restore Calling Credit, issue a credit adjustment or refund the relevant amount.

9.9 If you are a Consumer and enter into a Bill Payment Subscription, you may have a statutory right to withdraw from the Subscription within fourteen (14) days, subject to applicable law and the provisions of this Section 9.

If you ask us to begin providing the Service during the withdrawal period, individual bill payments already submitted, accepted, processed or completed remain subject to clauses 9.3, 9.4 and 11.8. Withdrawal from the Bill Payment Subscription stops future scheduled payment requests once the withdrawal takes effect but does not automatically reverse a transaction that has already been submitted to a Service Provider or payment provider.

Nothing in Section 12, including any Commitment Period or Subscription Discount repayment requirement, limits a withdrawal or cancellation right that cannot lawfully be restricted.

9.10 Nothing in these Terms affects your mandatory statutory rights, including rights relating to Services not performed with reasonable care and skill, lack of conformity, defective digital services or other rights that cannot be excluded by contract.

10. Billing disputes and chargebacks

10.1 If you have a billing dispute, error or claim relating to a transaction, you must first contact us at support@froggytalk.com and provide reasonable details so that we can investigate. This does not limit any mandatory statutory rights you may have.

10.2 We will use reasonable efforts to investigate and resolve billing disputes in good faith within a reasonable timeframe. We may request screenshots, transaction IDs, receipts, call records, destination numbers, account numbers, payment confirmations or other information needed to investigate.

10.3 If you initiate a chargeback, payment dispute, reversal or payment-provider complaint without first giving us a reasonable opportunity to investigate, or if the chargeback is fraudulent, abusive or inconsistent with these Terms, we may, to the extent permitted by law:

• contest the chargeback or dispute;
• suspend, restrict or terminate your Account;
• deduct the disputed amount from your balance;
• recover chargeback fees, payment processor fees, administrative costs and other reasonable costs; and
• refuse future purchases or require alternative payment methods.

10.4 Nothing in this clause prevents you from exercising mandatory rights with your card issuer, bank, app store, payment provider, consumer authority or court where those rights cannot be waived.

11. Bill Payment Solution and commercial agency model

11.1 The Bill Payment Solution allows you to request or arrange eligible payments or purchases involving Service Providers made available through FroggyTalk.

11.2 Before you confirm a Bill Payment Solution transaction, we will display the material terms and information applicable to the transaction, including the relevant Service Provider, product or service, amount payable and any other information required to complete the transaction. Once confirmed, we will submit or arrange the transaction with the relevant Service Provider or payment provider. Processing and fulfilment times may vary depending on the Service Provider and payment provider. We do not guarantee completion within a particular timeframe unless expressly stated otherwise. We will provide confirmation of the transaction on a durable medium, together with any other information required by applicable law.

11.3 Unless we expressly state that FroggyTalk is the supplier of a particular product or service, the underlying biller service is supplied by the relevant Service Provider, not by FroggyTalk. Your rights in relation to the underlying service, including activation, delivery, quality, continuity, tariff, disconnection, reconnection, reversal and service failure, are primarily against the relevant Service Provider.

11.4 For Bill Payment Solution transactions, FroggyTalk or Appbeam Technology B.V. acts, where applicable, as a disclosed commercial agent or representative of one party only, generally the Service Provider or payee. FroggyTalk does not act as agent for both you and the Service Provider in the same transaction.

11.5 FroggyTalk is not a bank, electronic money institution, payment institution, money remittance provider, credit institution or provider of payment accounts. We do not provide regulated payment services unless we expressly state otherwise and hold, or operate through a third party holding, the required authorisation. Where a regulated payment service is involved, it is provided by the relevant licensed or exempt third-party payment service provider, bank, mobile money provider or other authorised entity.

11.6 Where FroggyTalk or Appbeam Technology B.V. is authorised by a Service Provider to negotiate, conclude or facilitate the sale or purchase of the Service Provider service on behalf of that Service Provider, the Service Provider is responsible for the underlying service and for liabilities arising from the Service Provider service, except to the extent caused by FroggyTalk's own breach of these Terms, fraud, wilful misconduct, gross negligence or liability that cannot be excluded by law.

11.7 You are responsible for checking that the information provided or selected for a Bill Payment Solution transaction is complete and accurate before confirming the transaction. Where information relates to an ongoing Bill Payment Subscription, you are also responsible for keeping it accurate and up to date. We are not responsible for losses caused by incorrect, incomplete or outdated information supplied or confirmed by you, except where mandatory law provides otherwise.

11.8 Bill payment transactions may be irreversible once submitted, accepted, processed or completed by the Service Provider or payment provider. We do not guarantee that a completed transaction can be cancelled, reversed or refunded.

11.9 We do not guarantee that a bill payment will prevent late fees, penalties, disconnection, service interruption, reconnection delay or other consequences imposed by a Service Provider. You should allow enough time for processing and should verify directly with the Service Provider where timing is critical.

11.10 Transaction limits, supported Service Providers, supported countries, currencies, fees, exchange rates, verification requirements and risk controls may be subject to change based on regulatory requirements or instructions received by FroggyTalk from competent authorities, Service Providers or payment processors. We may refuse, delay, reverse, cancel or suspend a bill payment request where required or reasonably appropriate for fraud prevention, AML, sanctions, supplier rules, technical reasons, regulatory reasons or risk management.

11.11 If a bill payment fails and the Service Provider or payment provider returns funds to us, we will use reasonable efforts to credit or refund the returned amount to you, less any non-refundable fees or costs permitted by law. If the Service Provider does not return funds or disputes failure, your refund may depend on the Service Provider's investigation and rules.

11.12 Some Bill Payment Solution services may be rendered, supported or facilitated through Appbeam Technology Limited in Nigeria. Appbeam may act as a local operating affiliate, technical support provider, supplier relationship manager, Service Provider agent or other disclosed role. The checkout screen, receipt or service-specific terms may identify Appbeam or the relevant Service Provider for a transaction.

11.13 Calling Credit is separate from bill payment funding. Unless we expressly state otherwise, Calling Credit cannot be used to pay third-party bills or other Service Provider products.

11.14 You must not use the Bill Payment Solution for money laundering, fraud, sanctions evasion, unauthorised transfers, cash-out activity, payment-card testing, stolen payment instruments, resale without approval, suspicious transactions or any unlawful purpose. We may report suspicious activity to competent authorities where legally required or permitted.

11.15 Where you use a Bill Payment Subscription, the additional terms in Section 12 apply. Except where Section 12 expressly provides otherwise, all provisions of this Section 11 also apply to each payment made under a Bill Payment Subscription.

12. Bill Payment Subscription

12.1 Where available, FroggyTalk may allow you to set up an eligible payment or purchase made through the Bill Payment Solution as a recurring payment arrangement (a Bill Payment Subscription).

12.2 Before a Bill Payment Subscription is confirmed, we will display the material terms applicable to the Subscription, including, where relevant, the applicable Service Provider, product or service, payment method, amount payable or the basis on which it is determined, payment frequency and Scheduled Payment Dates, any Subscription Discount, any Commitment Period, the terms applicable after the Commitment Period ends, and the applicable cancellation terms, including any amount payable on early cancellation. The amount payable for each scheduled payment will be based on the applicable price of the relevant Service Provider product or service at the time of payment, together with any applicable fees and less any Subscription Discount applying to that payment, subject to clause 12.8. Following confirmation of the Subscription, we will provide confirmation of the Subscription and its applicable terms on a durable medium, together with any other information required by applicable law.

12.3 A Bill Payment Subscription may be offered with or without a Commitment Period. Where a Commitment Period applies, its duration and the terms and consequences associated with it will be disclosed before you confirm the Subscription.

12.4 By confirming a Bill Payment Subscription, you give the recurring payment authorisation described in clause 8.2 and authorise FroggyTalk to submit or arrange the corresponding Bill Payment Solution request on each Scheduled Payment Date. Each payment made under the Subscription remains subject to Section 11.

12.5 Where FroggyTalk offers a Subscription Discount, the amount or percentage of the discount, the payment or payments to which it applies, its duration and any conditions attached to it will be stated in the applicable offer and disclosed before you confirm the Subscription. A Subscription Discount has no cash value and cannot be transferred unless we expressly state otherwise.

12.6 Where a Commitment Period applies, you may request early cancellation at any time. Early cancellation may be subject to conditions disclosed to you before you confirm the Subscription, including, where applicable, repayment or adjustment of any Subscription Discount or other benefit received. We will inform you of any amount payable before you confirm the early cancellation. Nothing in this clause limits any cancellation or withdrawal right that cannot lawfully be restricted. Closing your Account while a Bill Payment Subscription remains within a Commitment Period will be treated as a request to cancel the Subscription and will be subject to the applicable cancellation terms, except where mandatory law provides otherwise.

12.7 We will provide any payment reminders, confirmations, receipts or other notices required by applicable law, the applicable payment arrangement or the terms disclosed for the Subscription. Such communications may be provided electronically through a communication channel made available by FroggyTalk.

12.8 Bill amounts and other amounts payable to a Service Provider may change during a Bill Payment Subscription. If an amount changes, we will notify you before we charge the changed amount, and you may cancel the Subscription before that charge.

12.9 If a scheduled payment fails, we may notify you, retry the payment and ask you to update or replace your payment method. Repeated payment failure may result in suspension or termination of the Bill Payment Subscription in accordance with these Terms. Any applicable retry arrangements and any effect of failed payments on a Commitment Period will be disclosed before the Subscription is confirmed or otherwise made available to you.

12.10 The terms applicable after any Commitment Period, including whether the Bill Payment Subscription ends, renews or continues, the applicable payment interval and your cancellation rights, will be disclosed before you confirm the Subscription. Where a Subscription continues after a Commitment Period, you may cancel it in accordance with the cancellation terms disclosed to you and any rights available under applicable law. Cancellation does not reverse a payment request already submitted, accepted, processed or completed.

12.11 The price of the relevant Service Provider product or service, exchange rates, Service Provider charges, taxes and other applicable price elements remain subject to Sections 8 and 11. Where we make a material change to the terms of an existing Bill Payment Subscription, we will provide any notice and cancellation rights required under Section 24 or applicable law.

12.12 We may suspend or terminate a Bill Payment Subscription where the relevant Service Provider, service, country, payment method or technical integration becomes unavailable or where Sections 11 or 15 permit us to refuse, suspend or terminate a Service. Where we terminate a Bill Payment Subscription for operational, supplier, technical, regulatory or other reasons not caused by your breach, fraud, misuse or payment failure, we will not require repayment of a Subscription Discount solely because the Commitment Period was not completed.

12.13 You are responsible for keeping your Subscription information and payment method accurate and current. Where we allow you to change Subscription information, you must check the updated information before confirming the change. Some changes may require you to cancel the existing Subscription and create a new Subscription.

12.14 Bill Payment Subscriptions are subject to transaction limits, Service Provider availability, payment-method availability, risk controls and other restrictions applicable to the Bill Payment Solution under Section 11.

13. Radio, live chat and third-party content

Third-party content

13.1 FroggyTalk may provide access to radio stations, programmes, or other third-party content. Unless we expressly state otherwise, FroggyTalk does not create, own, control, verify or manage that third-party content. In this Section 13, third-party content does not include User Content.

13.2 Availability, content, scheduling, accuracy, legality, rights clearance, moderation and quality of third-party content are the responsibility of the relevant third-party provider. We may remove, restrict or change access to third-party content at any time. Radio content is made available for your personal, non-commercial listening only. You must not record, download, redistribute, rebroadcast or publicly perform it.

13.3 Third-party content is provided for convenience only and does not constitute FroggyTalk advice, endorsement, guarantee or recommendation. Any issues relating to third-party content should be directed to the relevant provider, although you may also notify us if you believe content is unlawful or harmful.

Live chat and User Content

13.4 Where FroggyTalk makes a live chat or another Community Feature available, you may use it to post or share User Content that may be visible to other users. By using a Community Feature, you acknowledge that your User Content may be visible to other users and agree to the rules in this Section 13 and Section 14.

13.5 You are solely responsible for any User Content you post. You must not post User Content that breaches clause 13.10.

13.6 FroggyTalk may use automated tools, human review or a combination of both to detect, review, restrict or remove User Content that may violate these Terms or applicable law. We may remove or restrict access to User Content where we reasonably consider this necessary or appropriate, subject to applicable law. Automated tools may flag content based on keywords, patterns or user reports, and flagged content is reviewed by a person where appropriate.

13.7 If you believe that User Content posted through any Community Feature is unlawful, harmful or violates these Terms, you can notify us through the customer support channels in the App or website, or by sending an email to support@froggytalk.com. Your report should include enough information for us to identify and review the content, such as a description of the content, the station or programme, the date and time, a screenshot where available, and the reason for your report.

13.8 You can contact FroggyTalk directly in connection with the live chat, User Content and other Services by email at support@froggytalk.com, through the customer support channels in the App or website, or through any other contact channel we make available from time to time, such as WhatsApp or live chat. These channels are not exclusively automated, and you may request human review where appropriate.

13.9 If FroggyTalk removes your User Content, restricts its visibility, or restricts your access to the live chat or other Community Features, you may contact us using the contact details in clause 13.8 to request a review of that decision. Where required by applicable law, we will provide information about the decision and any available review or complaint options.

Restrictions on User Content

13.10 You must not use the Radio service, Community Features or any other part of FroggyTalk to provide, upload, post, send, share, promote or make available any User Content that:

a. is unlawful, fraudulent, misleading, harmful, threatening, abusive, harassing, hateful, discriminatory, defamatory, obscene or violent;

b. promotes terrorism, extremism, violence, self-harm, human trafficking, exploitation, fraud, scams or other illegal activity;

c. contains child sexual abuse material, sexually exploitative content, or any content that endangers children;

d. infringes intellectual property rights, privacy rights, publicity rights, confidentiality obligations or any other third-party rights;

e. contains another person’s personal data, contact details, financial information, identity documents, images, recordings or private information without a lawful basis or that person’s permission;

f. impersonates another person, misrepresents your identity, or falsely suggests an affiliation with FroggyTalk, a radio partner, public authority or another organisation;

g. contains spam, advertising, commercial solicitation, malware, phishing links, chain messages, bots, scraping activity, mass messaging or other abusive technical behaviour;

h. disrupts, overloads, manipulates or interferes with the Radio service, Community Features, FroggyTalk systems, other users or third-party networks;

i. is intended to bully, shame, intimidate, exploit or target another person or community;

j. encourages users to leave FroggyTalk for unsafe, fraudulent or unauthorised services; or

k. otherwise breaches these Terms, our Privacy Policy, our community rules, applicable law, platform rules or reasonable instructions issued by FroggyTalk.

14. Acceptable use rules

14.1 You must use the Services lawfully, responsibly and in accordance with these Terms, all applicable laws and all reasonable instructions or policies we publish.

14.2 You must not:

• use the Services for fraud, money laundering, terrorist financing, sanctions evasion, scams, illegal gambling, illegal goods, harassment, threats, nuisance, abuse, impersonation or unlawful surveillance;
• use stolen, unauthorised, false or misleading account, identity, payment, beneficiary or transaction information;
• interfere with, disrupt, overload, scan, scrape, reverse engineer, decompile, copy, modify, bypass, exploit, test vulnerabilities in or gain unauthorised access to the App, Services, networks or systems;
• resell, wholesale, route, aggregate, automate or commercially exploit calls, credits, bill payment access without our written consent;
• send spam, unsolicited communications, automated calls, traffic pumping, artificially inflated traffic, SIM-box traffic or other abusive telecommunications traffic;
• upload malware, harmful code or content that infringes rights or violates law;
• use the Services in breach of carrier, Service Provider, payment processor, or app-store rules;
• attempt to avoid charges, create false balances, manipulate call records, exploit promotions or abuse refunds or chargebacks;
• misrepresent your location, identity, age, authority, affiliation or transaction purpose; or
• use the Services in any country or for any destination where such use is unlawful, restricted or subject to sanctions.

14.3 We may monitor usage patterns and take reasonable steps to detect and prevent abuse, fraud, security incidents, illegal activity and breach of these Terms, subject to applicable privacy laws.

15. Availability, maintenance, suspension and changes to services

15.1 We aim to provide reliable Services, but we do not guarantee that the Services will be uninterrupted, error-free, secure, available in every location or compatible with every device, network, operating system or third-party service.

15.2 We may perform maintenance, updates, upgrades, security fixes and operational changes. Where reasonably practicable, we may provide advance notice of material planned interruptions, but we are not required to do so for urgent, security, supplier or emergency work.

15.3 We may suspend, restrict or terminate all or part of the Services or your Account immediately where we reasonably believe that:

• you breached these Terms or applicable law;
• there is fraud, abuse, payment risk, chargeback risk, security risk, AML risk, sanctions risk or regulatory risk;
• your use harms or may harm FroggyTalk, other users, Service Providers, networks, carriers, payment processors, or the public;
• we are required or requested to do so by law, court order, regulator, law enforcement, Service Provider, payment processor, carrier, app store;
• your Account information is inaccurate, incomplete or cannot be verified;
• continuing to provide the Service would create technical, operational, legal or commercial risk.

15.4 Suspension or termination does not affect amounts already due, completed transactions, fraud investigations, legal obligations or rights and liabilities that have already arisen, unless applicable statutory law requires otherwise.

16. Privacy and personal data

16.1 We process personal data in accordance with our Privacy Policy, Cookie Policy and applicable data-protection laws. For more information on how we process personal data, please read our Privacy Policy and Cookie Policy.

17. Appbeam Technology Limited and other FroggyTalk Group support

17.1 FroggyTalk may use FroggyTalk Group companies, including Appbeam Technology Limited in Nigeria, to provide development, operations, customer support, technical maintenance, supplier management, compliance support, fraud monitoring, bill payment facilitation and other services.

17.2 Unless a transaction screen, receipt or service-specific terms state that Appbeam Technology Limited or another FroggyTalk Group company is the contracting party for a specific transaction, your contract under these Terms is with the FroggyTalk contracting entity identified in clause 1.

17.3 Where Appbeam Technology Limited acts as a disclosed local agent, operating partner or contracting party for a specific Bill Payment Solution transaction, the applicable transaction screen, receipt or service-specific terms should identify that role and any additional terms that apply.

17.4 FroggyTalk remains responsible to you for the performance of its obligations under these Terms, subject to the limitations and exclusions in these Terms and except to the extent a separate entity is expressly identified as the contracting party for the relevant transaction.

17.5 FroggyTalk Group personnel may have access to systems or data, but only for authorised business purposes. FroggyTalk Group personnel are subject to appropriate confidentiality, security and data-protection obligations.

18. Third-party services, app stores and integrations

18.1 The Services may rely on or integrate with third-party services, including telecommunications carriers, network operators, payment processors, banks, mobile money providers, app stores, cloud providers, analytics providers, billers, utilities, radio stations, radio content providers and aggregators, and other Service Providers.

18.2 Third-party services may be subject to their own terms, privacy notices, fees, service levels, restrictions, eligibility rules, refund rules and support processes. You are responsible for complying with those terms where they apply to you.

18.3 We are not responsible for third-party services, outages, delays, pricing, errors, security incidents, data practices, content, refusals, restrictions, reversals or failures, except to the extent caused by our own breach of these Terms or where mandatory law provides otherwise.

19. Intellectual property rights

19.1 The App, Services, software, source code, object code, user interface, designs, logos, trade marks, trade names, databases, documentation, content, algorithms, workflows and other materials are owned by or licensed to FroggyTalk or its licensors and are protected by intellectual property and other laws.

19.2 Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable licence to install and use the App and access the Services for your personal lawful use or, if you are a business user, your internal business use.

19.3 You must not copy, modify, adapt, translate, decompile, reverse engineer, disassemble, extract source code from, sell, rent, lease, sublicense, distribute, scrape, frame, mirror or create derivative works from the website, App or Services, except to the extent permitted by applicable mandatory law.

19.4 If you submit feedback, suggestions or ideas, you grant us a perpetual, worldwide, royalty-free licence to use them without restriction or compensation, provided we do not use your personal data except as permitted by our Privacy Policy and applicable data protection laws and regulations.

19.5 You retain rights in content that you lawfully submit to the Services. You grant FroggyTalk and its Service Providers a licence to host, process, transmit, display, reproduce, modify and use that content as necessary to provide, secure, support and improve the Services and as otherwise described in these Terms and the Privacy Policy.

20. Warranties, disclaimers and user responsibility

20.1 We will provide the Services with reasonable care and skill as required by applicable law. However, the Services are provided subject to the limitations in these Terms and the technical and third-party dependencies described above.

20.2 We do not guarantee that the Services will meet every need, be uninterrupted, be error-free, achieve any particular result, connect every call, complete every bill payment, be available in every country, support every device or remain unchanged over time.

20.3 You are responsible for your device, internet connection, account security, payment details, bill payment details, destination numbers, compliance with law and all decisions or actions you take based on the Services.

20.4 Any examples, estimates, rates, delivery times, directory information, radio content, provider information and support responses are provided for information only and may be subject to change or verification.

21. Liability

21.1 Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for fraud, intentional misconduct, deliberate recklessness, death or personal injury caused by negligence, mandatory consumer rights, data-protection liability that cannot be limited by contract, or any other liability that cannot be excluded or limited under applicable law.

21.2 If you are a Consumer, we are responsible for foreseeable loss and damage caused by our breach of these Terms or failure to use reasonable care and skill. We are not responsible for loss or damage that is not foreseeable, business losses, loss of profit, loss of revenue, loss of goodwill, loss of opportunity, loss caused by your own error or device, or loss caused by third parties outside our reasonable control, except where mandatory law provides otherwise.

21.3 If you are not a Consumer, to the maximum extent permitted by law, FroggyTalk is not liable for indirect, incidental, special, punitive, exemplary or consequential loss, loss of profits, revenue, business, goodwill, anticipated savings, data, contracts, opportunity or reputation, or business interruption.

21.4 To the maximum extent permitted by law, our total aggregate liability arising out of or relating to the Services, these Terms or any transaction is limited to the greater of:

• the amount you paid to FroggyTalk for the affected Service during the twelve (12) months before the event giving rise to the claim; or
• EUR 100.

21.5 For the Bill Payment Solution, FroggyTalk is not liable for the underlying Service Provider service, including service quality, fulfilment, connection, reconnection, outage, account application, bill accuracy, tariffs, late fees, penalties or provider refusal. Our liability is limited to our own platform errors, failure to process in accordance with these Terms or amounts we actually recover from the Service Provider or payment provider, except where mandatory law provides otherwise.

21.6 We are not liable for losses caused by:

• incorrect account numbers, phone numbers, meter numbers, destination numbers, beneficiary details, amounts or other information supplied by you;
• unsupported destinations, blocked number ranges, carrier failures or Service Provider failures;
• your breach of these Terms, unlawful use, fraud, negligence or failure to keep your Account secure;
• network outages, internet failures, power failures, device issues, app-store issues, payment processor issues or third-party service failures;
• force majeure events or circumstances beyond our reasonable control.

22. User indemnity

22.1 If you are a business user, you agree to indemnify and hold harmless FroggyTalk, FroggyTalk Group companies, directors, employees, contractors and Service Providers from claims, losses, damages, liabilities, fines, penalties, costs and expenses arising from your breach of these Terms, unlawful use of the Services, fraud, misuse of payment methods, misuse of the Bill Payment Solution, infringement of third-party rights, violation of law or misuse of third-party services.

22.2 If you are a Consumer, this indemnity applies only to the extent permitted by mandatory law and only for losses caused by your unlawful conduct, fraud, intentional misconduct, gross negligence or material breach of these Terms.

23. Termination and account closure

23.1 You may stop using the Services at any time. You may request closure of your Account using the account-closure functionality or another account-closure channel made available by FroggyTalk, subject to identity verification, fraud checks, unresolved transactions, legal retention obligations and outstanding amounts. Closing your Account will disable Auto-Refill and prevent any new Auto-Refill purchases from being initiated.

If you have an active Bill Payment Subscription, closing your Account will also cancel future scheduled payments under that Subscription. Where the Subscription remains within a Commitment Period, the early-cancellation provisions in Section 12 apply, except where mandatory law provides otherwise. Account closure does not cancel, reverse or refund an Auto-Refill, bill payment or other transaction that was already initiated, submitted, accepted, processed or completed before the Account closure took effect.

23.2 We may suspend or terminate your Account or access to the Services in accordance with clause 15, including for breach, fraud, non-payment, chargeback abuse, security risk, regulatory risk, sanctions risk, prolonged inactivity or discontinuance of Services. We will not close your Account for inactivity while it holds unexpired purchased Calling Credit, and we will give you at least thirty (30) days' notice before closing an Account for inactivity.

23.3 Account closure does not automatically entitle you to a refund of used, expired, promotional or non-refundable credits or completed transactions. Any refund is governed by clause 9 and mandatory law.

23.4 After termination or closure, we may retain records as required or permitted for legal, tax, accounting, fraud prevention, dispute, regulatory, security and legitimate business purposes, as described in our Privacy Policy.

24. Changes to these Terms

24.1 We may update these Terms from time to time for legal, regulatory, technical, security, supplier, product, commercial or operational reasons.

24.2 Where a change is material or adverse to a Consumer, or where applicable law otherwise requires, we will provide advance notice in a clear and comprehensible manner. Where applicable law requires a specific notice period or requires notice on a durable medium, we will comply with those requirements.

24.3 Any update to these Terms will take effect in accordance with clause 2.7 and any notice provided under this Section 24, subject to applicable mandatory law.

24.4 Where applicable law gives you a right to terminate because of a change, you may exercise that right without charge within the applicable period. We will inform you of that right where required by law.

24.5 Changes will not reduce rights that have already accrued for completed transactions, unless required or permitted by law.

25. Complaints, customer support and dispute handling

25.1 You can contact us about complaints, billing disputes, refund requests, technical issues or other support matters at support@froggytalk.com or through the customer support channels in the App or the website.

25.2 In case of an issue, we may require that you provide enough information for us to investigate, such as Account details, transaction IDs, receipts, call date and time, destination number, biller, account or meter number, screenshots and a clear description of the issue.

25.3 We will use reasonable efforts to respond to complaints within a reasonable period. Complex issues involving Service Providers, carriers, app stores, payment processors or fraud investigations may take longer.

25.4 We are not currently affiliated with a specific Dutch consumer disputes committee unless we state otherwise on our website. This does not affect your right to contact a competent consumer authority, regulator, court or other body where mandatory law gives you that right.

26. Governing law and jurisdiction

26.1 These Terms and any non-contractual obligations arising out of or in connection with them are governed by the laws of the Netherlands.

26.2 If you are a Consumer resident outside the Netherlands, nothing in these Terms deprives you of protection afforded by mandatory provisions of the law of your country of habitual residence.

26.3 Disputes will be submitted to the competent courts of the Netherlands, unless mandatory consumer law allows or requires you to bring proceedings in another court, including the courts of your country of habitual residence.

26.4 You and FroggyTalk will first try to resolve disputes in good faith through customer support, unless urgent legal action, regulatory action or mandatory law requires otherwise.

27. Miscellaneous

27.1 We may assign, transfer or subcontract our rights and obligations under these Terms to a FroggyTalk Group company, successor, purchaser, merger partner, financing party or service provider, provided this does not materially reduce your mandatory rights. You may not assign or transfer your Account or rights under these Terms without our prior written consent, unless mandatory law allows otherwise.

27.2 We are not responsible for failure or delay caused by events beyond our reasonable control, including network failure, carrier failure, internet outage, power failure, Service Provider failure, app-store failure, payment-system failure, cyberattack, labour dispute, war, civil unrest, sanctions, epidemic, natural disaster, government action or regulatory change.

27.3 If any provision of these Terms is found invalid, unlawful or unenforceable, the remaining provisions remain in effect. The invalid provision will be interpreted or replaced to achieve as closely as possible the original commercial and legal purpose, to the extent permitted by law.

27.4 Our failure to enforce a provision is not a waiver of our right to enforce it later.

27.5 These Terms, together with any applicable service-specific terms and transaction terms, form the agreement between you and FroggyTalk for the relevant Services. Our Privacy Policy and Cookie Policy explain how we process personal data and use cookies and similar technologies. Your use of third-party app stores or services may also be subject to separate terms imposed by those providers

27.6 If these Terms are made available in multiple languages, the English version applies unless we state otherwise or mandatory law requires a different language version to prevail.

Schedule 1 – Model withdrawal form

Complete and send this form only if you wish to withdraw from a purchase and you have a legal right to withdraw. You may send it to support@froggytalk.com or any other address we specify for withdrawals.

To: FroggyTalk / Appbeam Technology B.V. Koninginnegracht 10, 2514AA 's-Gravenhage, The Netherlands.

I hereby give notice that I withdraw from my contract for the purchase of the following service or credit:

Ordered on:

Name of consumer:

Address of consumer:

FroggyTalk Account email or phone number:

Transaction ID / receipt number:

Signature of consumer (only if this form is notified on paper):

Date: