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Terms & Conditions

VENTURE GARDEN GROUP is a company which is registered at 42, Local Airport Road, Ikeja, Lagos and operates the money transfer website

These terms and conditions are applicable to the website these terms and conditions explain your responsibilities to us as well as our responsibilities to you, the user, when you use this website and its services. These terms and conditions also include how and when this agreement can be terminated as well as the extent of our liability to you.

When you register on the website and by using any of the services that Envoye offers then you agree to be bound by these terms and conditions. Please do not use any part of our service if you do not agree to be bound by these terms and conditions. These terms and conditions act as a legally binding agreement and it is important that you take the time to read them carefully.


These terms and conditions govern the provision, which is carried out by us, of the execution of payment transactions which you order on the website. These terms and conditions shall apply to your use of Envoye where you instruct us to perform on your behalf for money transfer services.

Our obligations under these terms and conditions are conditional upon our acceptance of you as a user of Envoye. This is at our sole discretion and we reserve the right to decline access to Envoye and its services for any reason whatsoever. All users must promptly supply us with all and any information that we have requested from them as part of our identity verification process. We may also need this information in order to comply with any legal requirements with regards to our services, which could include anti-money laundering and antiterrorist financing regulation. All users give their consent for us to contact you regarding any of these purposes.


We may change these terms and conditions from time to time. This could be, for example, in order for us to comply with any changes in the law or any other regulatory requirements due to changes in market conditions.

If we make any changes to these terms and conditions then a notification will be posted at the top of this page which will include the last date that the changes were made. Any changes that are made to these terms and conditions will take effect immediately, therefore we ask that you make sure to check back to these pages regularly to be able to familiarise yourself with any of the updated terms and conditions.


By using this website you represent and warrant that you are at least 18 years or older and that you are of the legal age to be able to build a binding contract with us. If it comes to our attention that one of our users is under the age of 18 then we will delete that user’s account.

Once you have filled in the registration form and supplied us with all of the information that we have requested from you, including any additional information we have requested for identity checks and security, we will then enable your account. Once this has been enabled you can use this to access the money transfer services on Envoye.

Your login information is strictly confidential and it is not to be shared with any third parties or someone that you let enter into your account on your behalf. It is your responsibility to maintain the security of your username and password and to inform a member of the customer services team immediately if you suspect that this information has been breached.

Users will be responsible for any and all damages which are caused to us as a result of unauthorised access to their account. Users agree that they will log out of the website after each session to protect the security of their account and the website.

We reserve the right to disable any username or password at our sole discretion and for any reason whatsoever which could include if we believe you have failed to comply with any of these terms and conditions.


Subject to these terms and conditions all users will be able to access the website by logging into their account and providing us with all the information required in order to make an online money transfer.

Envoye facilitates USD disbursements only and orders will require users to provide some or all of the following information:

  • The name and details of the recipient.
  • The destination country of the payment transaction.
  • The sender must confirm that the account being entered is a foreign currency account.
  • The amount of USD the sender wants to send.
  • When making a payment directly into a bank account, then banking information including the IBAN (International Bank Account Number) may also be required. We will only ever accept payment orders which are made on the Envoye platform. When you fill in the payment form then this is your instruction for us to make the payment on your behalf and you are giving us your consent to perform that transaction for you.

We will process all payment orders as soon as we have received them. We expect the majority of USD transfers to be instant, but there may be some cases in which transfers take longer and this usually depending of the location of the destination where the money is being sent to. In addition, any additional security checks that need to be carried out might cause a slight delay in payments, but we will always advise you on this. All customers can track the process of their payments online as well as contact customer services who are available to assist you with any questions you may have regarding a transfer.

If we proceed to execute a payment on your behalf and incorrect details have been provided by you then we will not be liable for any losses that are incurred as part of this error. We will always attempt to assist in the recovery of any payment amounts which are made in error, but we will not be responsible for amending it. Please make sure that you thoroughly check all payment details are correct before submitting to us.

Subject to regulations we may, in our sole discretion, refuse to proceed with any payment transactions. Examples of when we may refuse to do this could include but are not limited to the following:

  • When the intended recipient is not a person.
  • Where we are required to do so in order to comply with any anti-money laundering or terrorist financing legislations.
  • Where we know or suspect that the payment order that has been requested by you contains errors or it has not been authorised by you.
  • If you have failed to provide us with the correct amount of funds to be able to proceed with the payment.
  • You are in breach of these terms and conditions. We reserve the right, in our sole discretion, to not accept or allow payments to certain countries which we have determined are high risk to our business or that involve a higher level of complexity and mean that we are unable to carry out our money laundering or anti-terrorism checks.

We reserve the right to request any additional information from you, including more information about the recipient, where payments are being made to certain countries.

Once a payment order for a money transfer has been accepted by us in accordance with these terms and conditions then we shall provide you with the following information about your money transfer:

  • A reference number for your order so that you may identify the transfer as well as the recipient.
  • The amount of the payment transaction as well as the exchange rate achieved.
  • Information regarding any additional fees which may be required by us.
  • The date on which we received the payment order. Once the payment order has been confirmed and processed you will be sent an email confirming all of the details of the transaction. You will then also receive regular information updates about your order including when the money has arrived with the recipient.

We reserve the right in our sole discretion to carry out any of the following:

  • To refuse to process a digital transfer.
  • To limit the amount of a payment transaction.
  • Require additional information to be able to complete a payment transaction.
  • Take all reasonable measures to ensure the safety of a digital transaction where in our opinion this is required to be able to comply with all applicable laws and regulations including where we have concerns about the identity of the persons involved in making the digital transfer.

Once a transfer has been completed and the recipient has received the money, you must work directly with them if you have changed your mind. We can assist as much as possible , but it is ultimately your responsibility who you send money to.

In the event that we suspect a transaction could be a result of fraudulent activity unauthorized by you, then we will work with the processing bank to refund your transaction immediately. If a transaction has not been authorised by you, please notify us immediately.

We may terminate you immediately in any of the following circumstances:

  • Where you have failed to provide us with all of the information that we have requested from you.
  • Where it becomes unlawful for us to provide you with any of our services or we are required by law to not do so.
  • Following a breach by you of any of these terms and conditions.
  • In the event that we believe, in our sole discretion, that your account may be linked to crime, fraud, fraudulent activity or money laundering.

We reserve the right to impose ‘acceptable use’ terms in relation to the provision of our services which could include the prohibition of certain payment transactions. We will always report any suspicious activity to the relevant law enforcement agencies.

If any payment or transfer is attempted to be conducted in breach of any of these terms and conditions then we reserve the right to cancel the transfer and suspend all associated accounts.


Our total liability to you in relation to a payment transfer is limited to the full amount of the payment transfer together with any additional fees which may have incurred as a result of this service. In events which are unforeseen we will not be liable to you, the consequences of which could have been unavoidable despite all efforts to the contrary.


You shall be responsible for all losses, expenses or any other additional cost which have been incurred by us, our affiliates and licensors as well as their respective employees, contractors, agents, licensors and suppliers from and against all claims, liabilities, damages, judgements, awards, losses, costs, expenses or fees including any legal fees which result as a breach of you on these terms and conditions.


Please be aware that these terms and conditions shall be governed by the courts in Nigeria.


If you have any questions about Envoye’s terms and conditions, then please get in touch with us and someone will come back to you as soon as possible.