Terms of Service
Please read these Terms of Service carefully before using W3C Digital Network services or joining our WhatsApp-based community.
1. Acceptance of Terms
By accessing this website, joining the W3C Community on WhatsApp, or executing transactions with our P2P Desk, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.
2. Description of Services
W3C Digital Network provides informational content, Digital Solutions, website design and development, and peer-to-peer (P2P) cryptocurrency conversion services ("the Services"). W3C DESK is a direct P2P service for buying and selling supported crypto with W3C. It is not an investment platform, exchange, or broker. W3C does not offer managed trading, guaranteed returns, passive-income products, or investment custody. All community interaction and active desk operations are run over WhatsApp, whereas this website serves primarily as an introductory digital front.
3. W3C DESK Transaction Process
W3C DESK transactions are handled directly with the customer. The transaction rate and details are agreed before the customer sends any funds or cryptocurrency. The customer always sends first: customers buying cryptocurrency send the agreed fiat payment first, while customers selling cryptocurrency send the agreed cryptocurrency first.
When buying cryptocurrency
- The customer and W3C agree on the cryptocurrency, amount, rate, and transaction details.
- The customer sends the agreed fiat payment to the official W3C payment account.
- Once the payment is confirmed, W3C releases the cryptocurrency to the customer's confirmed wallet address.
- Subject to the agreed transaction limit and normal processing conditions, the cryptocurrency is usually released within 10–15 minutes after payment confirmation.
When selling cryptocurrency
- The customer and W3C agree on the cryptocurrency, amount, rate, and transaction details.
- The customer sends the agreed cryptocurrency to the W3C wallet address provided for the transaction.
- Once the cryptocurrency transfer is confirmed, W3C sends the agreed fiat amount to the customer's confirmed bank account.
- Subject to the agreed transaction limit and normal processing conditions, the customer's bank account is usually credited within 10–15 minutes after the cryptocurrency transfer is confirmed.
Rates and charges
W3C DESK does not publish a fixed service fee because charges may vary by transaction. The applicable rate and total amount are confirmed with the customer before the transaction is executed. For cryptocurrency purchases, the quoted rate includes the applicable W3C service charge and network or gas cost for sending the cryptocurrency. For cryptocurrency sales, the quoted rate includes the applicable W3C service charge. Any applicable charge is therefore reflected in the agreed rate rather than presented as a separate fixed fee.
Customer verification
W3C DESK is primarily used by members of the W3C community, and routine identity verification is not normally required for every transaction. For larger transactions or where additional verification is considered necessary, W3C may request a valid government-issued ID, preferably the customer's NIN, to confirm that the customer's identity matches the bank account details provided. W3C may also request a video call with the customer for additional identity confirmation.
Customer funds and crypto assets
W3C may temporarily receive fiat or cryptocurrency sent for a specific W3C DESK transaction so that the agreed transaction can be settled. This is transaction settlement, not investment custody. W3C does not accept customer assets for safekeeping, yield, investment, or managed trading, and does not operate customer investment accounts.
Incorrect or mismatched transaction details
A transaction will not be completed until the relevant payment, bank, or wallet details are confirmed. Customers are responsible for providing accurate details. For wallet transfers, especially for new customers, W3C may ask the customer to confirm the wallet address by sending a screenshot directly from the receiving platform or providing the wallet address barcode before the cryptocurrency is released. If any transaction detail does not match or cannot be sufficiently confirmed, the transaction may be paused until the correct details are verified.
4. Dispute, Delay & Refund Process
W3C DESK transactions are intended to be resolved through direct communication with the customer. Most transactions are completed without dispute. If a delay, technical issue, or transaction problem occurs, W3C will communicate with the customer and work through the issue based on the transaction records and, where relevant, blockchain evidence.
Delays and technical issues
Delays may result from W3C-side technical issues, payment processing, blockchain network conditions, or other transaction dependencies. When a delay occurs, W3C will communicate with the customer and monitor the transaction until it is resolved. For cryptocurrency purchases, W3C may release the cryptocurrency within the usual 10–15 minute processing period after payment confirmation, but the customer's receipt may take longer when blockchain confirmation or network processing is delayed.
Wrong wallet details, memo/tag, or other customer errors
Customers are responsible for ensuring that the bank account, wallet address, memo/tag, and other transaction details they provide are correct. If a customer reports that cryptocurrency was sent incorrectly, W3C may request the transaction hash and check the relevant blockchain explorer to establish what happened. If the blockchain record confirms that the customer sent cryptocurrency to an incorrect address, or omitted a required memo/tag, the transfer may not be reversible. Any possible recovery depends on the relevant network, wallet, or platform and may involve additional costs.
Refund requests before execution
If a customer requests a refund before W3C has commenced the transaction, the customer may be eligible for a full refund after W3C confirms the payment and verifies that the transaction has not been executed or otherwise committed.
Transactions already commenced or sent on-chain
Once W3C has commenced a transaction or sent cryptocurrency on-chain, cancellation or reversal may no longer be possible. Blockchain transfers cannot normally be reversed after execution. If W3C receives cryptocurrency from a customer selling to W3C and agrees to return that cryptocurrency where operationally possible, any applicable blockchain network or gas cost for the return transfer will be borne by the customer.
How to raise a dispute
Customers should contact W3C through the official contact channels and provide the relevant transaction details, including the amount, payment or wallet details, and transaction hash where applicable. W3C will review the available transaction records and blockchain evidence and communicate the outcome to the customer.
5. Blockchain Irreversibility
You acknowledge and accept that digital asset and blockchain transactions are fully irreversible. Once a transfer is executed on-chain, it cannot be refunded, reversed, or cancelled. Public addresses and transaction details are permanently written into decentralized public ledgers.
6. Business Registration & CAC Information
W3C Digital Network is the official business name operated by W3C. The business is registered with the Corporate Affairs Commission (CAC) in Nigeria.
W3C's community and operating history predates the CAC registration. The W3C community officially began in 2025, when the brand and its activities were already operating. On 29 May 2026, W3C Digital Network was formally registered with the CAC under the business name shown above. The 2025 date therefore refers to the start of W3C's community and operating timeline, while 29 May 2026 refers to the formal CAC registration. W3C Digital Network serves an international digital audience. The Nigerian registration identifies the business's legal registration jurisdiction; it does not limit participation in W3C's digital community, content, or non-Naira digital services. W3C DESK's fiat settlement described on this website is specifically Naira-based.
7. Official W3C Payment Account
For W3C DESK transactions, the following is the official W3C payment account used for customer fiat payments. The same account is used when customers pay W3C to buy cryptocurrency and when W3C pays customers who sell cryptocurrency to W3C.
Important payment security notice
Payments sent to any other bank account, account name, or payment destination are not W3C payments. Before sending money, verify that the payment details match the official details published here and the transaction instructions confirmed directly by W3C. W3C will not ask customers to send funds to an unofficial account.
8. Official Communication & Anti-Impersonation
W3C Digital Network uses official communication channels to handle services, transactions, and community activity. The current official contact directory is maintained on the Contact page of this website. Customers should use that page to verify the correct W3C channel before sending money or cryptocurrency.
Service requests, including W3C DESK trades, Digital Solutions, website design and development, and other W3C services, should be started through the official W3C Digital Network WhatsApp Business account. Jake's personal contact channels are available for direct conversations but are not the primary service-request channel.
W3C will never ask for a customer's password, OTP, verification code, 2FA code, recovery phrase, or private key. Never share these with anyone claiming to represent W3C. W3C will also not ask customers to send money or cryptocurrency to an unofficial or unrelated account. If a person or account claims to represent W3C but is not listed through the official website, verify with W3C before continuing.
9. Limitation of Liability
Under no circumstances shall W3C Digital Network, Web3 Currency, or its founder JAKE be liable for any indirect, incidental, special, or consequential damages resulting from network congestion, system failures, third-party wallet exploits, or blockchain software bugs.
10. Governing Law
These Terms of Service are governed by and construed in accordance with the laws of Nigeria, and disputes arising under these Terms are subject to the jurisdiction of the competent courts of Nigeria.
11. Contact Details
For further clarification or legal inquiries, reach out to us at: