Overview

Welcome to NaijaBill. By accessing or using our mobile application, you agree to the following Terms and Conditions. Please read them carefully before proceeding.

NaijaBill is a digital payment platform that enables users to purchase airtime, data, electricity, cable TV subscriptions, and other bills. We also provide cashback rewards and lifetime referral commissions.

By signing up and using our services, you agree that you are bound by these Terms and Conditions, our Privacy Policy, and any applicable regulations.

Account Registration & Security

  • Registration is completed via OAuth (Google, Apple, or other supported providers). We do not store your login password.

  • Each user is required to create a 4-digit PIN for transactions. This PIN is known only to the user and must be kept safe.

  • NaijaBill will not be responsible for unauthorized access caused by negligence, such as sharing your PIN or leaving your device unsecured.

  • Users can delete their account directly from the app if they no longer wish to use our services.

Wallet & Transactions

  • Users can fund their NaijaBill wallet through supported payment channels.

  • All payments made through the wallet are final once confirmed.

  • NaijaBill is not responsible for failed transactions caused by incorrect details provided by the user (e.g., wrong phone number, meter number, or smart card ID).

  • Refunds will only be processed if a payment fails due to an error traceable to NaijaBill or our service providers.

  • Refunds may take up to 7 business days depending on your bank/payment processor.

Cashback & Referral Commission

  • NaijaBill rewards users with cashback on eligible transactions. Cashback percentages may vary depending on the product and are subject to review.

  • Lifetime commissions are paid from every transaction made by referred users, as long as the referrer remains active on the platform.

  • Referral commissions and cashback are credited directly into the user’s NaijaBill wallet.

Refunds & Disputes

  • Since NaijaBill deals in digital services (airtime, data, electricity, and TV subscriptions), refunds are only granted in cases where services were not delivered and the error was not caused by user input.

  • No refunds are provided for successfully processed transactions.

  • If you believe you have been wrongly charged, you may contact our support team at [Insert Support Email].

  • Disputes will be investigated and resolved within a reasonable timeframe.

Service Availability

  • NaijaBill strives to provide 24/7 service. However, service interruptions may occur due to network downtime, third-party provider issues, or maintenance.

  • We do not guarantee uninterrupted or error-free access to the platform.

Prohibited Use

Users agree not to use NaijaBill for:

  • Fraudulent activities.

  • Money laundering or illegal transactions.

  • Exploiting referral or cashback systems in bad faith.

Violations may result in account suspension or permanent termination.

Liability

  • NaijaBill is not responsible for indirect losses, such as missed business opportunities, profit losses, or unauthorized access caused by user negligence.

  • Our responsibility is limited to the amount of the transaction in dispute.

Updates to Terms

NaijaBill reserves the right to update these Terms and Conditions at any time. Updates will be reflected in the app, and continued use of the app means you accept the new terms.

Contact Us

For questions, complaints, or disputes, you can reach us via email at:
[email protected]