Legal
Terms of Service
Last updated 15 July 2026. Sections 1–4 apply to everyone. Sections 5–7 apply specifically depending on how you use Bloomayo — jump to the one that applies to you.
1. Agreement to these terms
These terms govern your use of Bloomayo — our consumer app, corporate gifting tools, and partner console. By creating an account or using Bloomayo in any capacity, you agree to these terms. Sections 5–7 below apply specifically depending on whether you're an individual sender, a corporate client, or a partner business — read the section that applies to you in addition to this general section.
2. Eligibility and accounts
You must be at least 18 years old to create a Bloomayo account. You're responsible for keeping your login credentials secure and for all activity under your account. Identity verification (KYC) is required for certain wallet actions, as described in our Privacy Policy, and we may limit or suspend accounts that fail verification or that we reasonably believe are fraudulent.
3. Flutterwave and payments
All money movement on Bloomayo — wallet funding, withdrawals, and partner settlement — is processed by Flutterwave, our licensed payment partner. We do not hold, transmit, or process payment credentials ourselves. By funding or withdrawing from your Bloomayo wallet, you also agree to Flutterwave's own terms governing that transaction.
4. Prohibited use
You may not use Bloomayo for money laundering, fraud, or any unlawful purpose; to send gifts using funds you're not entitled to; to circumvent our KYC or fraud controls; or to abuse, harass, or defraud another user, partner, or corporate client. We may suspend or terminate any account found doing any of the above, with or without notice, and report suspected illegal activity to the appropriate authorities.
Individual senders
5. Terms for individual senders
You can fund your Bloomayo wallet and send gift cards, bills, or messages to a recipient of your choosing. Once a gift is sent and accepted or redeemed by the recipient, it generally cannot be reversed — check the recipient's details carefully before sending.
Refunds are handled case by case. If a partner is unable to fulfil a gift you sent (out of stock, permanently closed, etc.), contact support and we'll work with you on a refund to your wallet or a replacement gift.
Wallet balances have no cash value outside Bloomayo and cannot be transferred to another Bloomayo user directly — they can only be spent as gifts or withdrawn to your verified bank account, subject to KYC limits.
Corporate clients
6. Terms for corporate clients
Corporate accounts can fund a shared wallet and send gifts in bulk to employees, customers, or other recipients, tracked through batch and team management tools. You're responsible for the accuracy of recipient lists you upload and for having appropriate consent to send gifts to the people on them.
Corporate billing, invoicing, and any negotiated volume terms are handled separately and confirmed directly with your Bloomayo account contact — those terms take precedence over this section where they conflict.
You're responsible for managing who on your team has access to your corporate wallet and batch tools, and for promptly removing access for anyone who leaves your organization.
Partner businesses
7. Terms for partner businesses
As a partner, you agree to fulfil gifts redeemed through Bloomayo at the value stated, honestly and promptly, using the partner console to confirm redemption. Repeatedly failing to honor redemptions, or redeeming gifts fraudulently, is grounds for suspension or removal from the partner network.
Settlement of funds owed to you for redeemed gifts is processed via Flutterwave to the bank account on file in your partner settings. Settlement timing and any applicable fees are shown in your partner dashboard and may be updated from time to time, with notice.
You're responsible for keeping your business information, redemption locations, and settlement account details accurate and current. Bloomayo may feature or de-feature partners in the app at its discretion based on performance, redemption rate, and customer feedback.
8. Changes to these terms
We may update these terms as Bloomayo grows. If we make a material change, we'll let you know in the app or by email before it takes effect. Continuing to use Bloomayo after a change takes effect means you accept the updated terms.
9. Contact us
Questions about these terms can be sent to hello@bloomayo.com.