1. About these terms
These Terms & Conditions govern your use of the Baai Remit app and website, operated by Baai Remit Payments Ltd ("Baai Remit", "we", "us"). By opening a wallet or using any part of the service, you agree to these terms.
If you do not agree with any part of these terms, please do not use the service. These terms apply together with our Privacy Policy, which explains how we handle your personal data.
2. Your account
You must be at least 18 years old to open a Baai Remit wallet. You must give accurate information when you register and keep your sign-in credentials confidential. You are responsible for every action taken through your account.
Tell us immediately if you believe someone else has used your account. We may suspend an account where we reasonably suspect fraud, money laundering, or a breach of these terms.
3. Sending and receiving money
Every transfer shows the fee, the exchange rate and the exact amount the recipient will receive before you confirm. Money leaves your wallet only after you confirm the transfer.
Transfers between Baai Remit wallets are instant. Once a transfer is confirmed and credited to the recipient's wallet, it cannot be reversed by us. If you send money to the wrong person or the wrong number, contact support straight away — we will help, but we cannot guarantee recovery.
4. Fees and exchange rates
We charge 1.5% when you send in the same currency and 3% when a transfer crosses currencies. The fee is always shown on the send screen before you confirm.
Cross-currency transfers use the live market rate, refreshed from a market data feed. The rate shown on the send screen is the rate applied to your transfer.
5. Top-ups
Card top-ups are processed by our payment partner. Top-ups are available for KES, NGN, GHS, ZAR and USD wallets, and your balance updates as soon as the payment clears. We may reverse a top-up that is later declined, charged back or found to be fraudulent.
6. Business tills
Registered businesses receive a till number and QR code for receiving customer payments. You must only use a till for genuine sales of your own goods or services. We may suspend a till used for prohibited activity or misrepresentation.
7. Prohibited use
You must not use Baai Remit for anything unlawful, including fraud, money laundering, financing of illegal activity, or circumventing sanctions. We may refuse, delay or reverse transactions and report activity to the relevant authorities where the law requires it.
8. Service availability
We work to keep the service available at all times, but we cannot guarantee uninterrupted access. Planned maintenance, issues with payment partners, or events outside our control may interrupt the service.
9. Closing your account
You may stop using the service at any time. We may close an account for a serious breach of these terms, and will return any remaining balance to you by the original payment method where possible.
10. Changes to these terms
We may update these terms from time to time. Material changes will be announced in the app or on this page, and continuing to use the service after a change takes effect means you accept the updated terms.
11. Contact
Questions about these terms? Call or WhatsApp +1 616-516-9370, or email info@baairemit.com. Support runs 24/7 customer support.