Terms of Service

VTUAgent lets you fund a naira wallet by bank transfer and use that balance to buy:

Airtime

For any Nigerian mobile network.

Data bundles

SME, Gifting and Corporate plans.

Cable TV subscriptions

Such as DStv, GOtv and Startimes.

Prepaid electricity tokens

For Nigerian distribution companies.

We route your order to the mobile network, broadcaster or electricity distribution company that supplies the product.

To use the Service you must:

• be at least 18 years old;
• be legally able to enter into a binding contract;
• be resident in, or transacting within, Nigeria — prices, phone numbers, meters and billers are Nigerian, and the Service is not offered elsewhere;
• provide accurate registration details and keep them current; and
• not be barred from using financial services under any applicable law or sanctions list.

We may refuse, suspend or close any account that does not meet these conditions.

One account per person

Register with an email address you control and verify it with the code we send.

You are responsible for your credentials

Keep your password, transaction PIN, unlock PIN and device secure. Anyone who has them can spend your wallet balance.

Transactions authorised with your PIN are treated as authorised by you

Tell us immediately at [email protected] if you suspect unauthorised access, and sign out the affected device from Profile → Signed-in devices.

Optional biometric and PIN unlock

These protect the app on your device. They are a convenience, not a guarantee, and do not replace keeping your device secure.

We may require re-verification, or restrict activity, where we detect unusual or suspicious use.

Level 1

Verifies your phone number with a one-time code, plus your date of birth and gender.

Level 2

Verifies your Bank Verification Number (BVN).

Higher levels unlock higher transaction limits. You may use basic features without completing KYC, but we may limit or suspend an account that declines verification when it is required of us.

Method

Bank transfer to the dedicated account number shown on the Fund wallet screen.

Per-transfer limits

Currently ₦150 minimum and ₦10,000 maximum. We may change these, and your KYC level may apply lower ones.

Expiry

Each funding request is for a specific amount and expires after the period shown on screen. Transfer the exact amount displayed, before it expires.

Provider charge

Deducted from each funding transfer. The exact charge is shown before you transfer.

Interest

Your wallet balance earns none. It is a record of funds available to spend in the app.

Transfers that arrive after expiry, in the wrong amount, or from an account we cannot identify may be delayed while we reconcile them. Contact support with proof of payment if a credit has not appeared.

Authorisation

Every purchase requires your transaction PIN.

Pricing

Prices are shown before you confirm and may change at any time, since they follow provider pricing. The price displayed at the moment you confirm is the price you pay.

Completion

A purchase is complete when the provider confirms delivery. Delivery is usually instant but can be delayed by the provider or network.

Receipts

Available in History for every transaction, and can be saved, printed or shared.

We may cancel or refuse an order where we suspect fraud, where the provider rejects it, where the details are invalid, or where processing it would breach the law.

Eligible products carry a commission rate, which is applied as a price discount: you pay less for the same real-world value. The app shows this on the purchase screen.

Agent status gives better rates. It requires a verified email address and KYC Level 2, and is granted at our discretion on request. It is not sold, and there is nothing to buy to obtain it. We may vary or withdraw rates, eligibility and agent status at any time. Commission rates are not guaranteed and change with provider pricing.

Where Airshare is available, you can create a gift link funded from your wallet, between ₦100 and ₦10,000, and share it with someone else. Note that:

• The amount is deducted from your wallet when the link is created.
• Links are redeemed on the VTUAgent website, not in the app.
• Anyone holding the link can redeem it. Share it only with the intended recipient. We cannot reverse a redeemed link.
• Unredeemed links may expire according to the terms shown when you create them.

1. 01Products are delivered instantly and are generally final. Airtime, data, cable TV and electricity are consumed on delivery, so a successful purchase cannot be reversed.
2. 02Failed or declined purchases are refunded automatically to your wallet. You do not need to request it. Refunds go to your VTUAgent wallet, never back to a bank account or card.
3. 03Pending transactions resolve to either completion or an automatic wallet refund.
4. 04Wrong recipient details are not refundable where the product was delivered as instructed.
5. 05Funding charges are not refundable.
6. 06Disputes: if your wallet was debited and the product was not delivered, email [email protected] with the transaction reference from your History. We investigate with the provider and refund your wallet where the purchase genuinely failed. Please allow up to 14 working days for provider reconciliation.
7. 07Deleting your account does not refund your wallet balance. Spend or withdraw it first.

You must not:

• use the Service for fraud, money laundering, terrorism financing, or any illegal purpose;
• use another person’s identity, BVN, payment details or account;
• resell or automate access to the Service in a way we have not authorised, or exceed rate limits;
• attempt to probe, reverse-engineer, decompile, scrape or interfere with the app, our APIs or our infrastructure, or circumvent security or authentication;
• exploit a bug, pricing error or system fault — including a wallet credit you know you did not pay for. We may reverse such credits and close the account;
• submit false disputes or chargebacks; or
• harass our staff or other users.

You may close your account at any time

Profile → Delete account, confirmed with your password. Spend or withdraw your balance first — deletion does not refund it.

We may suspend or close an account

With notice where practicable, if you breach these Terms, if we are legally required to, if we suspect fraud or unauthorised access, or if the account is dormant for an extended period.

Suspension may involve holding funds

While we investigate. Where funds are legitimately yours and no legal restriction applies, we return them to you.

Records we must retain by law survive closure — see the Privacy Policy.

The Service depends on third-party providers, banking rails and mobile networks. We do not guarantee uninterrupted or error-free operation, and providers occasionally have outages that delay or prevent delivery.

We may add, change, suspend or withdraw features, products, prices, limits and rates at any time. We may also require you to update to a supported version of the app.

Subject to that:

• The Service is provided “as is”, without warranties beyond those the law requires.
• We are not liable for losses caused by details you entered incorrectly, by your failure to keep your credentials or device secure, by provider or network outages and delays, or by events beyond our reasonable control.
• We are not liable for indirect or consequential loss, or for loss of profit, business, goodwill or data.

You agree to indemnify us against claims arising from your breach of these Terms or your unlawful use of the Service.

The VTUAgent app, brand, name, logo, designs and content are owned by us or our licensors. You get a limited, personal, non-exclusive, non-transferable, revocable licence to use the app for its intended purpose. You may not copy, modify, distribute, sell or create derivative works from it.

Network, broadcaster and biller names and logos belong to their respective owners and are used only to identify the products they supply.

Maintenance and support

Apple has no obligation to provide maintenance or support for the app. Support is provided by us at [email protected].

Warranty

If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation in respect of the app.

Claims

Apple is not responsible for addressing any claim by you or a third party relating to the app, including product liability, legal compliance, or intellectual-property infringement claims.

Export compliance

You confirm you are not located in a country subject to a US Government embargo or designated as a “terrorist supporting” country, and that you are not on any US Government list of prohibited or restricted parties.

Third-party beneficiaries

Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Other terms

You must comply with any applicable third-party terms, including the App Store Terms of Service.

We may update these Terms as the Service or the law changes. The “Last updated” date above always reflects the current version. Where a change materially affects your rights, we will notify you in the app or by email before it takes effect.

Continuing to use the Service after a change means you accept the updated Terms. If you do not accept them, close your account.

These Terms are governed by the laws of the Federal Republic of Nigeria, and the Nigerian courts have jurisdiction over any dispute.

• If any provision is found unenforceable, the rest remains in force.
• Our failure to enforce a right is not a waiver of it.
• You may not transfer your rights under these Terms; we may transfer ours to a successor entity.
• These Terms, the Privacy Policy and the Refund Policy are the entire agreement between us regarding the Service.