Terms and Conditions

TOPLINE VISORY LIMITED undertakes to use the virtual accounts provided by the Bank solely for the purpose of this Agreement and gives no assurance or guarantee as to the profitability or otherwise of such transactions. Every transaction with TOPLINE VISORY LIMITED is between you and TOPLINE VISORY LIMITED with no interference to the bank. As such, the Bank shall not be liable for any loss of profit or investment on any transaction undertaken by you on the Bank’s infrastructure, unless such loss is occasioned by the willful negligence of the Bank.  For the avoidance of doubt, TOPLINE VISORY LIMITED shall display the disclaimer captured in this clause on the website and relevant agreements to you, where the virtual account is to be used in furtherance of the said transaction. This indemnity shall be a continuing security and shall be in force with the bank and you shall follow all the rules and pay attention to them strictly.

Data Protection

TOPLINE VISORY LIMITED hereby agrees to obtain the consent of you  to the sharing of the information (including personal information) to be provided to the Bank for the administration and operation of the transaction contemplated under this Agreement, and comply with other relevant provisions of the Nigerian Data Protection Regulation, 2019 and agree that the relationship contemplated under this Agreement is non-exclusive and either Party may contract with as many additional clients, persons or companies as either Party in either Party’s sole discretion sees fit.  Sequel to registration and opening an account to use TOPLINE VISORY LIMITED SERVICES, you have unconditionally agreed to and accept the terms and conditions stated hereunder:

You accept not to use products and services of TOPLINE VISORY LIMITED to facilitate any illegal activities. The information contained on this website does not constitute accounting, legal, financial, consulting, investment, or other professional advice. You bear all the risks from any decision to use PRESTO LIMITED and TOPLINE VISORY LIMITED shall not be liable for any loss suffered.

Your account may be terminated if we discover that you have provided us with false or misleading information, or refuse to provide correct information about your true identity. You agree and consent to receive correspondence from TOPLINE VISORY LIMITED via email, SMS, app notifications, social media, letters, or any other media we use. You are responsible for maintaining adequate security and control of any and all IDs, passwords, personal identification numbers (PINs), or any other codes or credentials that you use to access the services.

You are not allowed to sell, borrow, share, or otherwise make available your account or any detail necessary to access your account to people or entities other than yourself. Your account shall not contain misleading or fraudulent information, including, but not limited to, having a non-personal phone number, creating fake reputation information for your account, faking your country of origin, or providing fraudulent identification documents. We may at any time require you to complete our ID verification process and may also require you to submit additional identification documents to us if we deem it necessary. Failing to complete ID verification will be considered a violation of these Terms. TOPLINE VISORY LIMITED may change these Terms of Use at any time for any reason without notice. TOPLINE VISORY LIMITED may suspend your account at any time for any reason.

Acceptance and Change of Terms

If you do not agree with any of these Terms of Service please do not use the TOPLINE VISORY LIMITED website, app, and its services. By using this site or any of TOPLINE VISORY LIMITED’s services, you will be deemed to have irrevocably agreed to these terms and conditions.

Please note that these Terms of Service may be revised and reissued without notice at any time. You should visit this page regularly, and before engaging in any trades, in particular, to review the current Terms of Service, since your continued use of the site will be deemed as an irrevocable acceptance of any revisions. Notwithstanding the above, we will strive to notify you of changes to these Terms of Service which significantly affect your rights and obligations. Such notices shall be sent to the email address you provided as part of your account settings and it is your responsibility to keep your contact information up to date. Transactions

The Bitcoin, Ethereum, and Litecoin networks are responsible for confirming Bitcoin, Ethereum, and Litecoin transactions. TOPLINE VISORY LIMITED is not liable for any loss due to, but not limited to, errors in the protocol, delays, or any other breakdown relating to the Bitcoin network, Ethereum network, and or Litecoin network.

You acknowledge that TOPLINE VISORY LIMITED cannot confirm, cancel, or reverse coin transactions. You expressly agree that TOPLINE VISORY LIMITED is not liable for any errors, loss, or omissions due to sending Bitcoin to or receiving Bitcoin from incorrect wallet addresses, e-mail addresses, entering incorrect transaction amounts, or any other information related to coin transactions by using the service. Please ensure that you use the correct coin addresses,  e-mail addresses, transaction amounts when transacting. By using TOPLINE VISORY LIMITED, you accept the risk that transactions may be delayed and you agree not to hold TOPLINE VISORY LIMITED liable for any damages or loss due to delays.

Trade orders placed on TOPLINE VISORY LIMITED are binding and cannot be canceled or reversed. You acknowledge that the gift cards you trade on TOPLINE VISORY LIMITED belong to you and was purchased through proper channels without violating any law. This service is provided without warranty of any kind and TOPLINE VISORY LIMITED does not guarantee that the site will be available 100% of the time. You acknowledge and accept that the website may become unavailable from time to time due to various circumstances and that TOPLINE VISORY LIMITED will not be liable for any losses due to the system or service becoming unavailable. TOPLINE VISORY LIMITED cannot and does not guarantee the value of any traded item and has no obligation to buy back such traded items at any time. It is the customer’s responsibility to pay for all transaction taxes.

Investigations

TOPLINE VISORY LIMITED reserves the right to investigate suspected violations of these Terms of Service, including without limitation any violation arising from any submission, posting, or e-mails you make or send to any forum on the site. TOPLINE VISORY LIMITED may seek to gather information from the user who is suspected of violating these Terms of Service, and from any other user. TOPLINE VISORY LIMITED may suspend any users whose conduct or postings are under investigation and may remove such material from its servers as it deems appropriate and without notice.

Account Monitoring, Suspension, and Termination Upon probable cause to believe that you have acted in violation of these Terms of Service or: That any content or material submitted or shared by you in or through the Services violates these Terms of Service or the intellectual property rights, other property rights, or the right to privacy of any third party. We have reason to believe that your use of the services is in violation of any applicable law or regulation, or that you are using the services in a fraudulent manner or otherwise contrary to the purpose of this Agreement. We have reason to believe that you have supplied false, misleading, or deceptive information in connection with your registration, identity verification, transactions, or any other use of the services, either to us or to another user. You have not responded to our inquiries or supplied the information requested by us within a reasonable period of time We are required to do so under any applicable law, regulation or an order issued by an authority If we determine that you have at any previous point in time violated this Agreement or any other agreement that you have entered into with us, Upon the occurrence of ANY of the above, TOPLINE VISORY LIMITED shall immediately close, suspend, or limit your account. Valid payment details must be provided through an authorized TOPLINE VISORY LIMITED web, app, or specified trading system. It is a violation of these Terms of Service to provide payment details through other unauthorized channels. Buyers must be able to, upon our request, provide adequate proof of payment for up to 180 days after trades have been completed. PROHIBITED ACTIVITIES TOPLINE VISORY LIMITED strives to attain and maintain the highest security culture and compliance standards to government laws and regulations as well as the protection of our customers. Engaging in any of the prohibited activities specified below may give rise to prosecution by law enforcement agencies. The following acts are prohibited on TOPLINE VISORY LIMITED’ web, mobile, app, or other platforms. Gathering, stealing, or engaging in unauthorized collection of information about users. Changing, amplifying, or modifying any part of the site or the services for any purpose whatsoever. Disguising identity or user credentials, use of another user’s credentials in engaging with TOPLINE VISORY LIMITED.

Alter-engineering, reverse-engineering, or otherwise tampering with the TOPLINE VISORY LIMITED platform in order to find limitations or vulnerabilities. Covert engineering of products/services for unauthorized purposes. AML POLICY TOPLINE VISORY LIMITED is committed to fighting money laundering and complying fully with anti-money laundering laws in Nigeria. We understand that we have responsibilities to help fight the global battle against money laundering and our commitment will supersede all other privacy obligations contained in our policies. Accordingly, TOPLINE VISORY LIMITED will take all reasonable and appropriate steps to prevent persons engaged in money laundering, fraud, or other financial crimes from utilizing our products and services.

Our AML policies, procedures, and internal controls are designed to ensure compliance with all applicable BSA regulations and FINRA rules and will be reviewed and updated on a regular basis to ensure appropriate policies, procedures, and internal controls are in place to account for both changes in regulations and changes in our business. Key components of our AML and CTF framework include the following: (i) COMPLIANCE OFFICER

Coordinating and monitoring day-to-day compliance with the relevant legislation, regulations, rules and industry guidance and applicable money laundering laws and regulations Monitoring transactions to detect unusual suspicious activities Prompt preparation and delivery of all relevant returns to the regulatory bodies in line with SEC and FIU Rules and Regulations Communicating AML/CFT issues to all stakeholders

(ii) RISK COMMITTEE The appointment of an independent risk committee which reports to our board of directors regularly on all risk and compliance matters using a risk-based approach to the assessment and management of money laundering and terrorist financing risks and complies with the requirements of the Money Laundering (Prohibition) Act, 2011 (as amended), Terrorism (Prevention) Act, 2011 (as amended) and Terrorism Prevention (Freezing of International Terrorists Funds and other Related Measures) Regulations 2013, including related laws and Regulations (iii) INTERNAL CONTROL Formulate and implement internal controls and other procedures that will deter criminals from using its facilities for money laundering and terrorist financing and to ensure that its obligations under subsisting laws and Regulations are met (iv) KNOW YOUR CUSTOMER Establishing and maintaining a risk-based approach to Customer Due Diligence (CDD), including customer identification, verification, and KYC procedures. To ensure we meet these standards, our customers are required to provide certain personal details when opening a TOPLINE VISORY LIMITED account and also generate tokens, OTP, and PIN for any withdrawal request. The nature, and extent, of what is required is guided by the customer’s deposit and withdrawal limits, account to be used and in some cases, the customer’s country of residence. In certain circumstances, PRESTO LIMITED may perform enhanced due diligence procedures for customers presenting a higher risk, such as those transacting large volumes etc. Maintaining appropriate KYC records for the minimum prescribed periods; TOPLINE VISORY LIMITED shall ensure timely and accurate rendition of all AML/CFT returns as specified in the SEC AML/CFT Rules and Regulations as well as other relevant Regulations/Act/Guidelines/Circulars that may be issued from time to time by various government agencies. We shall exercise due diligence in identifying and reporting a suspicious transaction. Suspicious transactions shall include:
  • Transactions which are structured to avoid reporting and record-keeping requirementsAltered or false identification or inconsistent information or any transaction involving criminal activity in TOPLINE VISORY LIMITED view.
  • Entity that belongs to a person or organization considered as terrorist. TOPLINE VISORY LIMITED shall also provide training on the framework and raising awareness among all relevant employees and every Settlement proceeds are only wired to verified bank accounts registered by us.GRIEVANCE POLICY
TOPLINE VISORY LIMITED believes in providing excellent service and strives to be sincere and transparent in its approach to customer service. Your confidence in us is of paramount importance to us and we would never place our personal growth before your interest. This Policy aims to minimize instances of customer complaints, grievances, and disputes through a channelized approach of review and redress. Your feedback will help us in identifying shortcomings in our product features and service delivery. Your satisfaction is our main objective in our quest to build a healthy customer relationship and deliver excellent service. TOPLINE VISORY LIMITED has developed a procedure for the prompt attention to the grievances of its customers with respect to various issues by setting up a “customer support” and “a dispute resolution mechanism”. The following are the foundational principles of this policy: Transparency; Prompt, courteous and timeous response to all queries, inquiries, and complaints; and Constantly developing new and smarter mechanisms to receive and address customer grievances. The details of the dispute resolution mechanism are placed in the domain of public knowledge. A dispute may occur as a result of several reasons. It may be because of the difference in the service expected and the service delivered. A dispute may also arise as a result of technical or non-technical errors in the system or at times due to human inadvertence or error. TOPLINE VISORY LIMITED provides a user-friendly platform to all its customers to file a complaint/ share feedback if they are disappointed by the services rendered. Customers can give their complaint/ feedback in sending an email to help@prestohq.io If the user’s grievance is not resolved within the stipulated time frame, or if the user is not completely satisfied with the solution provided by TOPLINE VISORY LIMITED, then they can approach our dispute resolution system with their complaint or explore other legal avenues available for dispute resolution To make TOPLINE VISORY LIMITED’ dispute resolution system more meaningful and effective, a structured system has been put in place. This system will ensure that the complaints are redressed seamlessly and well within the stipulated time frame. The expertise of staff in handling complaints Our staff undergo regular training to ensure that consumers’ queries and grievances are handled properly. They are trained to work in a manner that enhances consumer trust and confidence in us. Our objective to achieve maximum customer satisfaction can be witnessed in both the operations as well as in customer communications. We analyze consumer queries and complaints and ensure the removal of such complaints from the root. This helps in improving the overall quality of the service levels gradually. Introduction to our Dispute Resolution System The users’ experience is our focus and this is why we devote ourselves to listen to our users and take their concerns seriously. We positively analyze and scrutinize how you would feel from the time you make requests for our services until the time you’re done to evolve and enhance our services. We ensure a simply incredible and user-friendly experience to all our customers and in case of any complaint or concern, we do everything we can to fix them. How to reach our support desk: For Exchange, Payment or Related Issues Step 1 You can send an email to help@prestohq.io You can also call us on Step 2 If the resolution you received does not meet your expectations, please inform us at [email protected] For Legal, Compliance or Related Issues Step 1 You can reach us by calling

Step 2:

If the resolution you received does not meet your expectations, please inform us at [email protected]

It is also recommended that the customer provides a complaint reference number provided by our customer care team in all further communication with us regarding a particular issue. This enables us to get more details about the customer and the query quickly and helps in resolving the query faster. Suitable timelines have been set for every complaint depending on the nature of queries and the investigations lead time which would be involved in resolving the same. I acknowledge that I have read these terms and conditions and I agree to follow the guidelines stated by TOPLINE VISORY LIMITED during any trading or transactions on the website or App.
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