Welcome to VITA Business Line (VBL), INC. (“Vita,” “we,” “us,” or “our”). These Terms and Conditions govern your access to and use of our website, mobile application, Vita Money, digital wallet, payment services, money transfer services, and related fintech products.
By creating an account or using any Vita service, you agree to these Terms and Conditions.
1. Eligibility and Account
You must provide accurate and complete information when creating or using a Vita account. You are responsible for keeping your account information, password, PIN, OTP, and other security credentials confidential.
You must not allow another person to use your account or use Vita services for unlawful activities.
2. KYC and Identity Verification
To protect our platform and comply with applicable financial regulations, Vita may require identity verification and KYC information.
We may request identification documents or additional information before activating an account, processing certain transactions, or providing specific services.
We may restrict or suspend an account if required information is not provided or cannot be verified.
3. Payments and Transactions
Vita may provide services including digital wallets, payments, money transfers, merchant payments, and other digital financial services.
You are responsible for reviewing transaction details before confirming a payment or transfer. Once a transaction has been successfully processed, cancellation or reversal may not always be possible and will depend on the applicable service and circumstances.
4. Fees and Charges
Certain Vita services may involve transaction fees, service charges, exchange-rate differences, or other applicable costs.
Any applicable fees will be communicated through the relevant service, application, website, or transaction process before or during the applicable transaction where reasonably possible.
5. Security and Fraud Prevention
Vita uses security measures designed to protect accounts and financial transactions.
We may monitor transactions and account activity to detect fraud, unauthorized use, suspicious activity, or other security risks.
A transaction or account may be delayed, restricted, suspended, or reviewed where necessary for security, compliance, or fraud prevention.
6. Prohibited Activities
You may not use Vita services to:
- Commit fraud or financial crime
- Conduct unlawful transactions
- Use another person's identity or account
- Circumvent KYC or security controls
- Facilitate money laundering or other prohibited activities
- Interfere with or damage our systems
- Use the platform for unauthorized or deceptive purposes
Vita may take appropriate action when prohibited activity is identified or reasonably suspected.
7. Account Suspension or Termination
We may suspend, restrict, or terminate access to an account where we reasonably believe that:
- These Terms have been violated;
- The account is being used unlawfully;
- Fraudulent or suspicious activity is detected;
- Required KYC information cannot be verified;
- Suspension is necessary to protect users, Vita, or our financial partners; or
- We are required to do so by law or a competent authority.
Where applicable, transaction and account records may be retained to satisfy legal, regulatory, security, or financial obligations.
8. Third-Party Services
Certain Vita services may depend on banks, payment processors, mobile money operators, financial institutions, technology providers, or other third parties.
Their services may be subject to separate terms, fees, availability, and requirements.
9. Service Availability
We work to keep Vita services reliable and available, but temporary interruptions may occur because of maintenance, technical issues, network problems, security events, third-party services, or circumstances beyond our reasonable control.
10. Your Responsibility
You are responsible for:
- Providing accurate information;
- Protecting your account credentials;
- Reviewing transaction details;
- Reporting unauthorized activity promptly;
- Using Vita services lawfully; and
- Following applicable financial and regulatory requirements.
11. Changes to These Terms
Vita may update these Terms and Conditions when our services, technology, business operations, or legal requirements change.
Updated terms will be published on our website or application. Your continued use of Vita services after an update means you accept the revised Terms, to the extent permitted by applicable law.
12. Contact Us
VITA Business Line (VBL), INC.
Randall Street Technology House
Monrovia 1000, Liberia
Email: vitabusinesslinevita@gmail.com
Phone / WhatsApp: +231 888 890 532
Business Hours: Monday – Friday, 8:00 AM – 5:00 PM (WAT)
If you have questions regarding these Terms and Conditions or any Vita service, please contact our support team.
VITA Business Line — One Africa. One Payment Network.
