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Terms of Service

Last updated: January 2025

1. Introduction & Acceptance of Terms

Welcome to MyTopupNG, a digital services distribution platform operated by Kuuza Africa Technologies Limited ("we," "us," or "our"). By accessing or using our website, mobile application, or any of our services, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our platform.

2. Definitions

  • Platform: The MyTopupNG web and mobile applications, including all related APIs and infrastructure.
  • User (or Partner): Any individual or entity that registers an account on the Platform to purchase or distribute services.
  • Services: The digital products available for purchase on the Platform, including but not limited to data bundles, airtime, electricity tokens, cable TV subscriptions, and exam PINs.
  • Wallet: The digital ledger associated with a User's account that stores prepaid funds for purchasing Services.

3. Account Registration & Eligibility

To use our Services, you must register for an account. You must be at least 18 years old and possess a valid Nigerian phone number. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate. You are responsible for safeguarding your password and account details.

4. Services Description

MyTopupNG acts as an aggregator and partner platform for digital telecom and utility services. We connect you to primary service providers (e.g., MTN, Airtel, DISCOs, Multichoice) via our third-party fulfillment partners (e.g., VTUGATE). While we strive for 100% uptime, the availability of services is ultimately dependent on the underlying providers' network stability.

5. Wallet & Payments

Your Wallet must be funded prior to purchasing any Services. Funding is done via the Wallet page, where you can fund via bank transfer. Your wallet is credited automatically once the transfer is confirmed.

  • The minimum funding amount is ₦1,000. Transfers below this threshold may not be credited automatically and may incur manual processing delays.
  • Wallet balances are non-interest bearing and cannot be withdrawn directly as cash unless otherwise stated in specific promotional terms.

6. Transaction PIN & Security

You are required to set a 4-digit transaction PIN. This PIN must be kept confidential. MyTopupNG will process any transaction authorized with your PIN as a legitimate request from you. We are not liable for any losses arising from unauthorized access to your account if your credentials or PIN were compromised through no fault of ours.

7. Refund & Reversal Policy

MyTopupNG employs an automated reversal system. If your wallet is debited but the service provider reports a failed delivery, the exact debited amount is automatically and instantly reversed to your Wallet. Successfully delivered services (e.g., loaded airtime, generated electricity tokens) are strictly non-refundable. For more details, please see our Refund Policy.

8. Prohibited Activities

You agree not to use the Platform to:

  • Conduct fraudulent, illegal, or unauthorized activities.
  • Attempt to bypass or hack our security infrastructure.
  • Engage in money laundering or any financial crimes.
  • Use automated scripts, bots, or scrapers to access the Platform without our explicit written consent.

Violation of these rules will result in immediate account termination and reporting to relevant law enforcement agencies.

9. Intellectual Property

All content, trademarks, logos, and software code on the Platform are the property of Kuuza Africa Technologies Limited or our licensors. You may not copy, modify, distribute, or reverse-engineer any part of our Platform without prior written permission.

10. Limitation of Liability

To the maximum extent permitted by law, Kuuza Africa Technologies Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

  • Your access to or use of or inability to access or use the Platform.
  • Any conduct or content of any third party on the Platform.
  • Network downtime from primary service providers.

11. Account Suspension & Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, if you breach these Terms of Service, engage in fraudulent activities, or for any other reason we deem necessary to protect the Platform and its users.

12. Changes to Terms

We may modify these Terms at any time. We will notify you of any material changes by posting the new Terms on this page and updating the "Last updated" date. Your continued use of the Platform after changes take effect constitutes your acceptance of the revised Terms.

13. Governing Law

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

14. Contact Information

If you have any questions about these Terms, please contact us at support@mytopupng.com.