These Terms of Service ("Terms") govern your access to and use of the Bill Trick website, mobile application, and related services (together, the "Service"), operated by Bill Trick Technologies Ltd ("Bill Trick," "we," "us"). By creating an account or using the Service, you agree to these Terms.
1. Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to open a Bill Trick account. You must provide accurate identity information as part of our know-your-customer (KYC) obligations under Central Bank of Nigeria regulations.
2. Your account
You are responsible for maintaining the confidentiality of your login credentials and transaction PIN. Notify us immediately at [email protected] if you suspect unauthorized access to your account. We may suspend or close an account that shows signs of fraud, abuse, or violates these Terms.
3. Wallet and funding
Your Bill Trick wallet holds funds you deposit for the purpose of paying for services on the platform. Wallet balances are held with regulated, NDIC-insured partner banks and are not interest-bearing unless explicitly stated otherwise.
4. Services and third-party providers
Airtime, data, electricity, cable TV, education result checkers, business registration filings, event tickets, and gift card conversions are fulfilled in part by third-party billers and government agencies (including the Corporate Affairs Commission, WAEC, NECO, JAMB, and licensed distribution companies). Bill Trick is not responsible for delays or errors caused directly by a third-party provider, but will assist in resolving disputes in good faith.
5. Fees
Current fees for each service are published on our Pricing page and displayed before you confirm a transaction. We will not change a fee after you've confirmed a transaction.
6. Prohibited use
You agree not to use the Service for money laundering, fraud, financing of terrorism, or any activity that violates Nigerian law. We reserve the right to report suspicious activity to relevant authorities as required by law.
7. Limitation of liability
To the fullest extent permitted by law, Bill Trick is not liable for indirect or consequential losses arising from use of the Service, except where such loss results from our gross negligence, willful misconduct, or fraud.
8. Changes to these Terms
We may update these Terms from time to time. Material changes will be communicated in-app or by email at least 14 days before they take effect.
9. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will first be addressed through our support channels before any formal proceeding.
10. Contact
Questions about these Terms can be sent to [email protected].