Terms of Service

1. Introduction

Welcome to Billremit ("Billremit", "we", "our", or "us").

These Terms of Service govern your access to and use of the Billremit mobile application, website, and related services.

By creating an account, accessing, or using Billremit, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service.

If you do not agree with these Terms, you should not use the Billremit platform.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding agreement to use Billremit.

By registering for an account, you confirm that the information you provide is accurate and that you meet the eligibility requirements for using our services.

3. Billremit Services

Billremit provides digital payment and related services, which may include:

• Airtime purchases;
• Mobile data purchases;
• Electricity bill payments;
• Cable TV subscriptions;
• Educational and examination PINs, including WAEC, NECO, and JAMB;
• Wallet services;
• Referral rewards; and
• Other digital services that may be introduced from time to time.

The availability of particular services may vary depending on location, service providers, network availability, and other circumstances.

4. User Account

To use certain Billremit services, you must create an account and provide accurate and complete information.

You are responsible for:

• Providing accurate registration information;
• Keeping your account credentials, PIN, and authentication information confidential;
• Taking reasonable steps to prevent unauthorized access to your account; and
• All transactions and activities carried out through your account, except where unauthorized activity is reported and confirmed in accordance with our procedures.

You must notify Billremit promptly if you suspect that your account has been compromised or accessed without authorization.

5. Wallet and Wallet Funding

Billremit provides users with a digital wallet that may be used to pay for supported services on the platform.

Upon successful registration, a user may be assigned a dedicated virtual bank account for the purpose of funding their Billremit wallet.

Wallet Funding by Bank Transfer

Wallet funding is currently available through bank transfer to the dedicated virtual account assigned to the user.

The dedicated virtual account is associated with the user's Billremit account and is intended to allow the user to transfer funds into their Billremit wallet.

Wallet balances are credited after the relevant payment or banking partner confirms receipt of the transfer.

Billremit may delay, hold, investigate, reverse, or restrict a wallet credit where there is a suspected technical issue, unauthorized transaction, fraud, compliance concern, or other legitimate reason.

Users should ensure that transfers are made to the correct dedicated virtual account details displayed in their Billremit account.

6. Transactions and Payments

Before completing a transaction, users are responsible for ensuring that all information supplied is correct.

This may include:

• Phone numbers;
• Data plans;
• Meter numbers;
• Electricity account details;
• Cable TV smart-card or decoder numbers;
• Examination details; and
• Other information required to complete a transaction.

Billremit is not responsible for losses resulting from incorrect information supplied or confirmed by a user.

7. Transaction Processing

Billremit aims to process transactions promptly. However, transactions may sometimes be delayed, pending, unsuccessful, or temporarily unavailable due to circumstances including:

• Network interruptions;
• Banking system issues;
• Service-provider downtime;
• Payment processor issues;
• Technical maintenance;
• System errors; or
• Other circumstances outside our reasonable control.

Where a transaction fails and the funds are successfully returned to Billremit, the applicable amount may be refunded or reversed to the user's wallet in accordance with our transaction procedures.

8. Refunds and Reversals

A transaction may qualify for a refund or reversal where it has failed and the funds have been successfully recovered by Billremit or the relevant service provider.

Successful transactions are generally not refundable where the requested service has already been delivered.

Where a user provides incorrect transaction information, Billremit may be unable to reverse or recover the transaction.

Refunds and reversals may also be subject to the policies and procedures of the relevant service provider or payment partner.

9. Referral Program

Billremit may provide a referral program that allows users to earn promotional rewards by inviting new users to the platform.

Referral Reward

A user may receive a ₦5 referral reward when a person they successfully refer registers on Billremit and completes a qualifying data-bundle purchase.

The ₦5 reward will be credited to the referring user's Billremit account after the qualifying transaction has been successfully completed and confirmed.

Qualifying Referral

For a referral to qualify:

• The new user must register using the referring user's unique referral link or referral code;
• The referred user must complete a qualifying data-bundle purchase;
• The transaction must be successfully completed;
• The transaction must not be cancelled, reversed, refunded, or identified as fraudulent; and
• The referral must comply with these Terms and any additional referral requirements communicated by Billremit.

Referral Restrictions

Users must not:

• Refer themselves;
• Create or control multiple accounts for the purpose of earning referral rewards;
• Use fraudulent or misleading methods to generate referrals;
• Manipulate transactions to obtain referral rewards;
• Use automated systems or other methods intended to artificially generate referrals; or
• Otherwise abuse or manipulate the referral program.

Billremit may withhold, reverse, or cancel referral rewards associated with transactions or accounts that are determined to violate these Terms.

Referral Withdrawal

Referral rewards credited to a user's account may be subject to Billremit's applicable wallet withdrawal requirements, including any minimum withdrawal threshold communicated within the application.

Changes to the Referral Program

Billremit reserves the right to modify, suspend, or discontinue the referral program, including changing the reward amount, eligibility requirements, or qualifying conditions.

Any changes will be communicated through the Billremit application, website, or other official communication channels where appropriate.

10. Identity Verification and Compliance

Billremit may require users to provide additional information or complete identity verification where necessary to:

• Comply with applicable laws and regulations;
• Prevent fraud and unauthorized activity;
• Protect users and the Billremit platform;
• Meet requirements imposed by payment, banking, or other service partners; or
• Investigate suspicious transactions.

Failure to complete required verification may result in restrictions on certain account features or services.

11. Prohibited Activities

Users must not use Billremit to:

• Commit or facilitate fraud;
• Launder money or facilitate financial crime;
• Use stolen or unauthorized payment information;
• Impersonate another person;
• Create fraudulent or duplicate accounts;
• Manipulate transactions or referral rewards;
• Gain unauthorized access to Billremit's systems;
• Introduce malicious software or code;
• Interfere with the operation or security of the platform; or
• Engage in any activity that violates applicable laws or regulations.

12. Fees and Pricing

Applicable prices and service charges will be displayed through the Billremit platform before a transaction is completed where applicable.

Billremit may change its prices, fees, or service charges from time to time.

Any applicable charges will be communicated through the platform or reflected in the relevant transaction information.

13. Account Suspension or Termination

Billremit may suspend, restrict, or terminate an account where reasonably necessary, including where:

• These Terms have been violated;
• Fraudulent or suspicious activity is detected;
• The account presents a security risk;
• The account is being used for unlawful activities;
• Required verification has not been completed; or
• Suspension or termination is required by law, regulation, or a relevant service provider.

Where reasonably practicable, Billremit may notify the user of the reason for a restriction or termination.

14. Third-Party Service Providers

Billremit relies on third-party providers, including payment processors, banking partners, telecommunications providers, electricity distribution companies, cable providers, examination service providers, and other service providers to deliver certain services.

The availability and performance of third-party services may be outside Billremit's direct control.

Billremit may not be responsible for interruptions, delays, errors, or failures caused directly by third-party systems or providers, subject to applicable law.

15. Intellectual Property

All Billremit trademarks, logos, designs, software, content, graphics, and other intellectual property belonging to Billremit remain the property of Billremit or its respective licensors.

You may not reproduce, modify, distribute, sell, or commercially exploit Billremit's intellectual property without prior written authorization.

16. Security

We take reasonable measures to protect the Billremit platform and user accounts.

However, no electronic system, internet connection, or digital service can be guaranteed to be completely secure.

Users are responsible for maintaining the confidentiality of their account credentials, PIN, and other authentication information.

17. Limitation of Liability

To the extent permitted by applicable law, Billremit shall not be liable for losses resulting directly from:

• Incorrect information supplied by a user;
• Unauthorized access resulting from the user's failure to protect their credentials;
• Network or telecommunications failures;
• Banking or payment-provider delays;
• Third-party service interruptions;
• Electricity, telecommunications, cable, or other service-provider failures; or
• Events outside Billremit's reasonable control.

Nothing in these Terms is intended to exclude or limit liability that cannot legally be excluded or limited under applicable law.

18. Changes to These Terms of Service

Billremit may update these Terms of Service from time to time to reflect changes to our services, business practices, legal requirements, or other circumstances.

Updated Terms will become effective when published through the Billremit application, website, or another appropriate channel.

Your continued use of Billremit after the updated Terms become effective constitutes acceptance of the revised Terms.

19. Governing Law

These Terms of Service shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.

20. Contact and Complaints

If you have questions, complaints, or concerns regarding Billremit or these Terms of Service, you may contact us through:

We encourage users to contact us promptly when they experience transaction issues so that we can investigate and assist where possible.