Terms of Service

To use Cred Data Sub, you must satisfy all of the following requirements at the time of registration and throughout your use of the platform:

• You are at least 18 years of age
• You are a resident of Nigeria or an authorised user of Nigerian telecommunications and utility services
• You have a valid, active Nigerian mobile phone number capable of receiving WhatsApp messages
• You have sole access to a valid email address that you can verify
• You are not a person prohibited from accessing financial technology services under any applicable Nigerian law or regulation

By registering, you confirm that you meet these eligibility criteria. We reserve the right to request proof of identity at any time and to suspend accounts where eligibility cannot be confirmed.

When registering, you must provide accurate, truthful, and complete information. You must keep your registration details up to date.

Your responsibilities
- Keep your login credentials (email, password), transaction PIN, and OTP codes strictly confidential
- Never share your account access with any other person
- Immediately notify us at hello@creddatasub.com if you suspect unauthorised access to your account

You are fully responsible for all activities conducted through your account, whether or not authorised by you. We are not liable for losses arising from your failure to keep your credentials secure.

KYC verification
Certain features require Know Your Customer (KYC) verification:
- Tier 0 (Basic) — email verified: access to standard purchases
- Tier 1 — phone verified via WhatsApp OTP: required for dedicated virtual bank accounts
- Tier 2 (Full KYC) — NIN, BVN, or passport submitted and verified: required for advanced features

We may require additional documentation to verify your identity at any time.

Account suspension
We reserve the right to suspend, restrict, or permanently close your account if:
- We detect or reasonably suspect fraudulent, abusive, or deceptive activity
- Your account was registered with false or misleading information
- You violate any provision of these Terms
- We are required to do so by law, court order, or a regulatory authority

Cred Data Sub provides a wallet-powered digital utility platform. The following services are currently available:

• Airtime purchase — instant recharge for MTN, Airtel, Glo, and 9mobile lines across Nigeria
• Data purchase — mobile internet data bundles across major Nigerian networks with clearly priced plans
• Electricity payment — prepaid meter token generation and postpaid bill payment for supported electricity distribution companies (DisCos)
• Cable TV subscription — renewal of DStv, GOtv, Startimes, and other supported cable TV subscriptions
• Exam pins — result-checking pins and registration tokens for WAEC, JAMB, NECO, NABTEB, and other supported examination bodies
• Wallet funding — topping up your wallet via bank transfer to a dedicated virtual account, card payment, or other methods made available from time to time

All services depend on the continuous availability of our third-party providers (including VTpass, Paystack, Flutterwave, Monnify, and PaymentPoint). We do not guarantee uninterrupted or error-free service and shall not be liable for delays or failures caused by third-party providers, telecommunications network outages, or force majeure events.

Your Cred Data Sub wallet is a prepaid balance maintained on our platform for the sole purpose of paying for services on the platform.

Main wallet
Your main wallet holds naira funds you have deposited via a funding method. It is the primary payment balance for all service purchases.

Funding methods
You may fund your wallet via:
- Bank transfer to your assigned virtual bank account (powered by Monnify, PaymentPoint/Palmpay, or PaymentPoint/Opay, depending on your KYC tier)
- Card payment via Paystack or Flutterwave
- Other methods we may introduce from time to time

Important wallet terms
- Your wallet balance is non-interest-bearing. We do not pay any return, interest, or profit on funds held in your wallet.
- Your wallet is not a bank account and the funds held are not deposits within the meaning of the Banks and Other Financial Institutions Act (BOFIA). NDIC deposit insurance does not apply to your wallet balance.
- Your wallet cannot be overdrawn. Purchases that exceed your available balance will be declined.
- We may freeze your wallet if we detect or reasonably suspect fraudulent or abusive activity. A frozen wallet cannot process debits until the freeze is resolved by our support team.

Bonus wallet
Referral commissions are credited to a separate bonus wallet. Bonus funds:
- May only be transferred to your main wallet subject to the minimum transfer amount (currently ₦50 per transfer)
- Cannot be transferred directly to an external bank account
- Are not redeemable for cash

Cashback wallet
Cashback earned on eligible purchases is held in a separate cashback wallet. Cashback:
- Expires automatically 90 days after it is earned and is not recoverable after expiry
- May be applied as a discount on eligible future purchases
- Cannot be transferred to an external bank account

Pricing
All prices are displayed in Nigerian Naira (₦) and are inclusive of all applicable charges. Prices are set by us and may change without prior notice. The price displayed at the time of purchase is the price that applies to that transaction.

Transaction finality
Transactions are submitted and processed in real time. Once your wallet has been debited, a transaction cannot be cancelled. You should review all transaction details carefully before confirming.

Failed transactions
If a transaction fails after your wallet has been debited (for example, due to a provider outage or an invalid meter number), the amount will be automatically reversed to your main wallet within 24 hours. If a reversal does not appear within 24 hours, please contact our support team with your transaction reference number.

Reversals and refunds
All reversals are credited to your main wallet. We do not issue refunds to external bank accounts, payment cards, or any method outside the platform.

Wrong recipient — your responsibility
You are solely responsible for providing the correct phone number, meter number, smart card number, or other recipient details for each transaction. We cannot reverse, refund, or recover a transaction where a service was successfully delivered to a recipient specified incorrectly by you. Please double-check all details before confirming any purchase.

Auto-renewal allows you to schedule recurring airtime or data purchases at daily, weekly, monthly, or custom intervals.

By enabling auto-renewal for a service:
- You explicitly authorise Cred Data Sub to automatically debit your main wallet at the scheduled time and deliver the specified service to the specified phone number
- Each auto-renewal will only execute if your wallet holds sufficient balance at the time of execution; if your balance is insufficient, that renewal cycle will be skipped without notification unless push notifications are enabled on your device
- You may cancel or modify any auto-renewal schedule at any time through the app; cancellation takes effect before the next scheduled execution
- We are not liable for any missed auto-renewal caused by insufficient wallet balance, account suspension, or platform downtime

Cred Data Sub operates a referral programme that allows you to earn bonus credits by inviting others to the platform.

How it works
- Your referral code is unique to your account, auto-generated at registration, and cannot be changed or transferred.
- You earn a referral bonus when a person you have referred completes their first qualifying transaction on the platform. The qualifying transaction types and bonus amounts are set by us and may change.
- You may also earn a recurring commission on certain data purchases made by users you have directly referred, subject to commission rates configured by us on a per-plan basis.

Bonus wallet rules
- All referral bonuses are credited exclusively to your bonus wallet.
- Bonus funds may be transferred to your main wallet subject to a minimum transfer amount (currently ₦50 per transfer). The minimum amount may be adjusted at any time.
- Bonus funds cannot be transferred to an external bank account; they are spendable only on the platform.

Anti-abuse
We reserve the right to withhold, reverse, claw back, or permanently disqualify referral bonuses that result from:
- Self-referrals (creating multiple accounts to refer yourself)
- Fraudulent or artificially generated transactions
- Any attempt to manipulate, game, or circumvent the referral system

We may modify or permanently discontinue the referral programme at any time. Where we make material changes, we will provide reasonable advance notice.

Certain purchases on the platform may earn cashback credits, as indicated at the time of purchase.

• Cashback is credited to your cashback wallet immediately after a qualifying purchase completes successfully.
• Cashback expires 90 days from the date it is earned. Expired cashback is written off and cannot be reinstated under any circumstances.
• Cashback may be applied as a discount on eligible future purchases. The eligible purchase types are displayed in the app and may change.
• Cashback is non-transferable to external bank accounts and has no cash value outside the platform.
• Cashback rates, eligible purchase types, and the programme itself may be modified or discontinued at any time.

You must not use Cred Data Sub for any of the following:

• Providing false, misleading, or fraudulent information during registration, KYC verification, or any support interaction
• Money laundering, financing terrorism, or any other financial crime
• Circumventing our AML, KYC, or spending limit controls
• Creating multiple accounts to exploit referral, cashback, or any promotional benefit
• Sharing your account credentials or transaction PIN with any other person, or allowing another person to operate your account on your behalf without our express written consent
• Purchasing services for the purpose of commercial resale without entering into a signed agent or API partnership agreement with us
• Using automated scripts, bots, macros, or API access without our prior written authorisation
• Attempting to reverse-engineer, decompile, copy, or interfere with any part of our platform, software, or infrastructure
• Harassing, threatening, or abusing our support staff or AI assistant
• Conducting any activity that violates applicable Nigerian laws, including the Cybercrime (Prohibition, Prevention, Etc.) Act 2015

Violation of these prohibitions may result in immediate account suspension, withholding of wallet balance pending investigation, reversal of bonuses and cashback, and referral of the matter to law enforcement authorities where appropriate.

Third-party dependency
Our services depend on third-party providers including VTpass, Paystack, Flutterwave, Monnify, PaymentPoint, Termii, and Firebase. We do not control these providers and cannot guarantee their continuous availability.

We are not liable for:
- Failed or delayed transactions caused by downtime, errors, or maintenance at third-party provider level
- Loss of service caused by outages on MTN, Airtel, Glo, 9mobile, or other telecommunications networks
- Delays in electricity token delivery caused by DISCO system unavailability
- Failure of cable TV subscription activation caused by the cable TV provider's systems
- Loss, damage, or inconvenience arising from a transaction delivered to a wrong recipient where you provided the incorrect details
- Platform downtime during scheduled or emergency maintenance
- Events beyond our reasonable control, including natural disasters, acts of government, or infrastructure failures

Liability cap
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE NIGERIAN LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE NAIRA AMOUNT YOU PAID FOR THE SPECIFIC TRANSACTION THAT GAVE RISE TO THE CLAIM.

WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF YOUR USE OF THE PLATFORM.

All intellectual property rights in the Cred Data Sub platform — including but not limited to the software, mobile application, web interface, design, graphics, branding, trade marks, and content — are owned by or licensed to Cred Data Sub and are protected under applicable Nigerian and international intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the platform solely for your personal, non-commercial use in accordance with these Terms.

You must not:
- Copy, reproduce, distribute, or create derivative works based on our platform or content
- Remove or alter any copyright, trade mark, or other proprietary notices
- Use our branding, trade marks, or trade name without our prior written consent

Closure by you
You may close your account at any time by contacting us at hello@creddatasub.com. Upon account closure:
- Any remaining main wallet balance will be refunded to you after identity verification, subject to a minimum balance threshold and deduction of any processing fees applicable at the time
- Your bonus wallet balance and cashback wallet balance are forfeited upon closure and will not be paid out
- All active auto-renewal schedules will be cancelled
- We will retain your data as required by applicable law, as described in our Privacy Policy

Suspension or termination by us
We may suspend or permanently terminate your account immediately and without prior notice if you breach these Terms, engage in fraudulent or abusive activity, or if we are required to do so by law or a regulatory authority. During a suspension, you cannot access services or withdraw your wallet balance until the matter is resolved.

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

Resolution process
If you have a dispute arising from your use of the platform, please contact our support team first. We are committed to resolving disputes quickly and fairly.

If a dispute cannot be resolved through our support process, it shall be referred to mediation. If mediation fails, the dispute shall be submitted to the exclusive jurisdiction of the courts of the Federal Republic of Nigeria.

Nothing in this clause prevents either party from seeking urgent injunctive or interim relief from a court of competent jurisdiction.

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices.

When we make material changes, we will:
- Update the "Last Updated" date at the top of this page
- Notify you via email or in-app notification where the change is significant

Your continued use of the platform after the effective date of any update constitutes your acceptance of the revised Terms. If you disagree with any change, you should stop using the platform and contact us to close your account.

If you have any questions, concerns, or complaints relating to these Terms, please contact us:

Cred Data Sub
Email: hello@creddatasub.com
Phone: +234 800 000 0000

We aim to respond to all enquiries within 2 business days.