Terms and Conditions

Effective Date: October 1st, 2025

Welcome to SmartpayVTU. These Terms and Conditions (“Terms”) govern your access to and use of the SmartpayVTU platform, including our website and mobile applications (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account with SmartpayVTU or using any part of the Service, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use the Service.

2. The SmartpayVTU Service

SmartpayVTU is a digital payment platform that facilitates the purchase of virtual top-up (VTU) services in Nigeria, including but not limited to: a. Airtime Recharge (MTN, Glo, Airtel, 9mobile) b. Data Subscriptions (for all major networks) c. Utility Bill Payments (Electricity/NEPA, Water, etc.) d. Cable TV Subscriptions (DSTV, GOTV, Startimes) e. Exam Pin Purchases (WAEC, NECO, JAMB)

3. User Registration and Account Security

3.1. Eligibility: You must be at least 18 years old to use the Service or have permission from a parent or guardian. 3.2. Account Information: You agree to provide accurate, complete, and current information during registration and to keep this information updated. 3.3. Security: You are responsible for safeguarding your account password and any activities or actions under your password. SmartpayVTU cannot and will not be liable for any loss or damage arising from your failure to comply with this security obligation. 3.4. Prohibited Use: You agree not to use the Service for any fraudulent, unlawful, or unauthorized activity.

4. Wallet Funding, Payments, and Transactions

4.1. Wallet: To use the Service, you must fund your SmartpayVTU digital wallet through approved payment channels. All wallet funds are held solely for the purpose of facilitating your transactions on the platform. 4.2. Transaction Finality: All successful transactions (e.g., airtime sent, data activated, token generated) are final and non-refundable. You are responsible for ensuring the accuracy of all details (phone numbers, meter numbers, decoder numbers, etc.) before confirming a transaction. 4.3. Failed Transactions/Refunds: In the event of a technical failure resulting in a debit without service delivery, SmartpayVTU will initiate a full refund of the debited amount to your wallet. Refunds will be processed within a reasonable timeframe, typically 24-48 hours. 4.4. Service Pricing: SmartpayVTU strives to offer the cheapest prices but reserves the right to change prices and fees without prior notice.

5. Agent and Vendor System

5.1. SmartpayVTU offers specific accounts (Agents and Vendors) for reselling services and earning commissions. 5.2. By upgrading to an Agent or Vendor, you agree to any additional terms and commission structures specific to that account type, which will be provided upon enrollment. 5.3. SmartpayVTU reserves the right to suspend or terminate any Agent or Vendor account that violates these Terms or engages in fraudulent activity.

6. Limitation of Liability and Disclaimer

6.1. SmartpayVTU provides the Service on an “as is” and “as available” basis. We do not warrant that the service will be uninterrupted, error-free, or completely secure, although we strive for 24/7 uptime. 6.2. SmartpayVTU shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the Service. 6.3. Our total liability to you for any claim arising out of or relating to these Terms or your use of the Service shall not exceed the amount you paid to us for the Service in the 12 months preceding the claim.

7. Governing Law

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

8. Changes to Terms

SmartpayVTU reserves the right, at our sole discretion, to modify or replace these Terms at any time. We will provide reasonable notice of any material changes. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

9. Contact Information

If you have any questions about these Terms, please contact us at: Email: Iinfo@smartpayvtu.com Phone/Live Chat: Available 24/7 via the platform.