Imigomo Yesevisi

Kumele ube neminyaka engu-13 noma ngaphezulu ukuze udale noma usebenzise i-akhawunti ye-Spyrochat. Uma ungakafinyeleli iminyaka yobudala ezweni lakho, ungasebenzisa i-Spyrochat kuphela ngemvume nangokwengamelwa umzali noma umbheki osemthethweni.

Ezinye izici zidinga ukuqinisekiswa kobunikazi (KYC) ukuze uthuthukise izinga lakho. Lezi zihlolo zisebenzisa imikhawulo yobudala edingwa imithetho yezwe lakho, engaba ngaphezu kuka-13. Lapho izwe lakho libeka iminyaka ephakeme encane kakhulu yokuqinisekiswa, izinkokhelo, noma izici ze-wallet, lowo mkhawulo ophakeme uyasebenza kuwe.

Ngokusebenzisa i-Spyrochat, uyavuma ukulandela imithetho yethu futhi unikeze ulwazi olunembile lapho kudingeka.

Singakhawulela noma simise ama-akhawunti abandakanyeka ku-spam, ubugebengu, noma umsebenzi osolisayo.

I-Spyrochat ihlanganisa ukuqinisekiswa okusekelwe ezigabeni, imivuzo, nezici zokwenza imali. Amanani ezigaba, izinzuzo, nokutholakala kungashintsha ngokuhamba kwesikhathi.

• I-Tier 1 (Ukuqinisekiswa Okuyisisekelo) njengamanje imahhala. Ihlanganisa ukufinyelela okuyisisekelo kokwenza imali nemikhawulo ejwayelekile.
• I-Tier 2 (Ukuqinisekiswa Kobunikazi) kungadinga imininingwane yobunikazi obusemthethweni, ukuhlolwa kwe-ID kahulumeni, nemali.
• I-Tier 3 (Ekhethelo) kungadinga izidingo ezengeziwe zokuthuthukisa nemali, ngemikhawulo ephakeme nemivuzo yekhethelo.
• Ezinye izici (kufaka phakathi ukuthumela imali, umthamo wokukhipha imali, nesimo se-badge/ribbon) kungakhawulelwa ngezigaba nokuhlolwa kokuthobela.

Singalungisa noma sisuse imivuzo ngenxa yokuziphatha okuhlukumezayo, ukubandakanyeka okwenziwe, noma ukwephulwa kwemithetho yenkundla.

Zonke izinkokhelo zenziwa nge-Nigerian Naira (NGN). Kwithransekshini zamazwe ngamazwe, ukushintshwa kohlobo lwemali kuphathwa yibhange lakho elikhipha ikhadi ngamanani awo asebenzayo okushintsha futhi kungahlanganisa imali ejwayelekile yokwenza ithransekshini yangaphandle.

Amanani e-USD acashuniwe angukulinganisa okusekelwe emananini ajwayelekile okushintsha futhi anikezwa kuphela ukuze kubhekiselwe. Inani langempela elikhokhiswa ekhadini lakho lizoba nge-NGN.

Uhlelo lwethu lokwenza imali lusaqedelwa. Sibeka izinto zokugcina kulo futhi silungiselela ngokucophelela ingqalasizinda, ukugeleza kwezinkokhelo, nokuphepha okuzungezile.

Sithatha lesi sinyathelo ngesinyathelo ngamabomu. Kunokuvula ukwenza imali kuwo wonke umuntu ngesikhathi esisodwa, sifuna ukuqiniseka ukuthi azikho izingozi noma izinkinga ngaphambi kokuba abasebenzisi abaningi bathembele kukho. Izici, ukutholakala, ukufaneleka, nezikhathi kungashintsha njengoba ukuthuthukisa kuqhubeka.

Ungafaka imali esikhwameni sakho se-Spyrochat ngekhadi le-debit noma le-credit. Amakhadi asekhaya nawamazwe ngamazwe ayasekelwa. Isikhwama sigcinwe nge-Nigerian Naira (NGN), futhi izimali ezifakiwe zibhalwa nge-NGN.

• Uhlobo lwemali yokufaka: Ungakhokha nge-Naira (NGN) noma ngama-US Dollars (USD).
• Ukufaka okuncane kunakho konke: ₦1,000 lapho ufaka nge-Naira, noma $5 lapho ufaka ngama-US Dollars.
• Ukushintsha: Izinkokhelo ezenziwe nge-USD zishintshelwa ku-NGN ngenani lokushintsha elisebenzayo ngaphambi kokubhaliswa. Umkhiqizi wekhadi lakho angasebenzisa ukushintsha kwakhe noma imali yethransekshini yangaphandle.
• Imali yokucubungula: Imali encane yokufaka isebenza ekufakeni ngakunye futhi iboniswa ngaphambi kokuqinisekisa inkokhelo.

Izinkokhelo zekhadi zicutshungulwa ngokuphephile umhlinzeki wethu wezinkokhelo. Izimali zokufaka, izimali, nezinhlobo zemali ezisekelwayo kungashintsha ngokuhamba kwesikhathi futhi kuzoboniswa endaweni yenkokhelo.

Isikhwama se-Spyrochat sisebenza nge-Nigerian Naira (NGN). Ukukhishwa kwemali kuxazululwa ku-akhawunti yebhange laseNigeria eqinisekisiwe.

Imali yokukhipha:

Imali yokudlulisela isebenza ekukhipheni ngakunye. Yenziwe yizindleko ze-gateway yenkokhelo kanye nemali encane yenkundla, futhi inqunyelwe ukuze ingalokothi ibe ngeqile ezimalini ezinkulu:

• Izindleko ze-gateway: ₦10 ezimalini ezingafika ku-₦5,000, ne-₦25 ezimalini ezingaphezu kwe-₦5,000.
• I-Electronic Money Transfer Levy (EMTL): I-stamp duty eyengeziwe ehleliwe engu-₦50 isebenza kunoma yikuphi ukukhipha kwe-₦10,000 noma ngaphezulu, njengoba kudingeka ngaphansi kwemithetho yentela yaseNigeria. Le levy isethwe uhulumeni, hhayi i-Spyrochat.
• Imali yenkundla: 1.5% yenani lokukhipha, ngokungenani okungu-₦20 nokuphezulu okungu-₦1,000.
• Ukukhipha okuncane kunakho konke: ₦1,000 esicelweni ngasinye.

Imali eqondile ihlala iboniswa kuwe ngaphambi kokuba uqinisekise ukukhipha. Izimali zingashintsha ngokuhamba kwesikhathi futhi noma yikuphi ukubuyekezwa kuzoboniswa endaweni yokukhipha.

Ukukhishwa kwemali kucutshungulwa ngokuzenzakalelayo futhi ngokuvamile kufika phakathi kwemizuzu. Ezimweni ezingandile, ukubambezeleka kwebhange noma i-gateway kungandisa isikhathi sokulethwa. Inani lokukhipha okuvunyelwe ngenyanga lingahluka ngesigaba.

Izici zemali zidinga ukuhlolwa kobunikazi okuqinile ukuvikela wonke umuntu enkundleni nokunciphisa ubugebengu.

Kungani abasebenzisi abasha nabe-Tier 1 bengakwazi ukukhipha okwamanje:

• Ejwayelekile (i-akhawunti entsha): Umkhawulo wokukhipha uqala ku-0.
• Tier 1: Ungenza imali, uhole, futhi wamukele imali ngemva kokuqinisekiswa okuyisisekelo (i-imeyili/ifoni/iphrofayela), kodwa ukukhipha kuhlala kukhiyiwe.
• Tier 2: Ngemva kokuba i-KYC egcwele igunyaziwe, ukukhipha kuyavulwa.

Lolu hlelo luvumela abasebenzisi bangempela ukuqala ukuhola kusenesikhathi, ngenkathi kugcina izenzo zokuthumela nokukhipha zixhunywe kubunikazi obuqinisekisiwe ukuze kuvikelwe ukugezwa kwemali.

Okuqukethwe okuxhaswayo/okukhangisayo kufanele kuhambisane nemithetho yomphakathi nomthetho osebenzayo.

Singasusa okuqukethwe okudukisayo, okucunulayo, noma okungavunyelwe.

I-squad ingangeza iwebhusayithi eyodwa kuphrofayela yayo. Ukuze sivikele amalungu ekukhwabaniseni, i-phishing, nezixhumanisi ezidukisayo, izixhumanisi zewebhusayithi zilandela imithetho eqinile.

• I-domain kuphela: Isixhumanisi sewebhusayithi kufanele sibe i-domain noma i-subdomain elula (isibonelo, example.com noma help.example.com). Asamukeli ama-URL aphelele, izindlela zekhasi, izintambo zemibuzo, noma izixhumanisi zokuqondisa kabusha. Lokhu kuvimba noma ubani ekukhombeni isixhumanisi se-squad ekhasini elithile kwenye insizakalo ukuze azenze omunye umuntu noma adukise abantu.
• Kuhlala kuphephile: Sonke isixhumanisi sewebhusayithi sivuleka ngoxhumano lwe-HTTPS oluphephile, i-Spyrochat elusebenzisa ngokuzenzakalela. Lokhu kugcina uxhumano phakathi kwelungu nendawo okuyiwa kuyo lufihliwe.
• Kufanele kube i-domain yangempela, esebenzayo: Lapho iwebhusayithi yengezwa noma ishintshwa, sihlola ukuthi i-domain ikhona ngempela futhi ixazululeka ku-inthanethi yomphakathi. Ama-domain angaxazululeki ayenqatshwa, ukuze i-squad ingakwazi ukunamathisela ikheli elimbumbulu noma elibhalwe ngokungalungile.
• Ibheji lokuqinisekisa: Ibheji eliqinisekisiwe eduze kwewebhusayithi ye-squad lisho ukuthi i-squad isifakazele kithi ukulawula kwayo leyo domain (isibonelo, ngokwengeza irekhodi le-DNS esiliphayo). Ibheji alilokothi libe ngokuzenzakalela: linikezwa kuphela ngemuva kokuhlolwa kobunikazi okuphumelele, futhi lisuswa ngokushesha uma iwebhusayithi ishintshwa. Iwebhusayithi engaqinisekisiwe ikhombisa isexwayiso ngaphambi kokuthi ivuleke.

Singasusa, sisethe kabusha, noma senqabe noma yisiphi isixhumanisi sewebhusayithi esikhohlisayo, esingaphephile, esenza esinye isiqu, noma esephula le Migomo noma umthetho osebenzayo. Ukuvula isixhumanisi sangaphandle kungokokuzikhethela kwakho; iwebhusayithi okuyiwa kuyo isetshenziswa yi-squad, hhayi i-Spyrochat.

Singabuyekeza le Migomo ngezikhathi ezithile. Ukuqhubeka nokusebenzisa i-Spyrochat kusho ukuthi wamukela iMigomo ebuyekeziwe.

Uphethe imibuzo? Xhumana support@spyrochat.org.