Terms of Service

1. Acceptance of Terms

By accessing, using, or registering for VTUBOX services, you accept and agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

These terms constitute a legally binding agreement between you and VTUBOX. Your continued use of our services constitutes acceptance of any modifications to these terms.

2. Description of Service

VTUBOX is a digital financial services platform that provides:

• VTU Services: Airtime purchase, data bundle purchase, TV subscription payments
• Utility Payments: Electricity bill payments, water bill payments
• Digital Wallet: Secure wallet for storing and managing funds
• Payment Processing: Secure payment processing through licensed payment providers
• Referral Program: Commission-based referral system for users

Our services are provided through partnerships with licensed service providers and payment processors in Nigeria.

3. Eligibility and Registration

To use our services, you must:

• Be at least 18 years old and have legal capacity to enter into contracts
• Be a resident of Nigeria or have a valid Nigerian phone number
• Provide accurate, current, and complete information during registration
• Maintain and update your information to keep it accurate and current
• Complete KYC (Know Your Customer) verification as required by law
• Not be prohibited from using our services under applicable law

Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4. Wallet and Payment Terms

Wallet Funding: You can fund your wallet through various payment methods including bank transfers, debit cards, and other approved payment channels. All payments are processed securely through licensed payment providers.

Wallet Usage: Funds in your wallet are held in trust and can only be used for approved services on our platform. You cannot transfer funds to other users or withdraw funds to external accounts without completing required verification.

Transaction Limits: We may impose transaction limits based on your account verification level, regulatory requirements, and risk assessment.

5. User Responsibilities and Prohibited Activities

You agree to:

• Use our services only for lawful purposes and in compliance with Nigerian laws
• Provide accurate information and update it promptly when it changes
• Maintain the security of your account credentials
• Report any unauthorized use of your account immediately
• Not engage in fraudulent, illegal, or unauthorized activities
• Not attempt to circumvent security measures or system limitations
• Not use our services for money laundering or terrorist financing
• Not create multiple accounts to circumvent restrictions
• Not interfere with the proper functioning of our services

Prohibited Activities include: Money laundering, fraud, identity theft, unauthorized access, system manipulation, and any activity that violates applicable laws or regulations.

6. Fees and Charges

Service Fees: We may charge fees for certain services. All fees are clearly displayed before you complete a transaction. Fees may include:

• Transaction processing fees
• Wallet funding fees
• Service provider charges
• Regulatory compliance fees

Fee Changes: We may modify fees with reasonable notice. Continued use of our services after fee changes constitutes acceptance of the new fees.

7. Limitation of Liability and Disclaimers

Service Disclaimer: Our services are provided "as is" without warranties of any kind. We do not guarantee that our services will be uninterrupted, error-free, or completely secure.

Liability Limitation: To the maximum extent permitted by law, VTUBOX shall not be liable for:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from third-party service provider failures
• Damages resulting from user negligence or misuse
• Damages resulting from force majeure events

Maximum Liability: Our total liability to you for any claims shall not exceed the amount you paid us in the 12 months preceding the claim.

8. Contact Information

If you have any questions about these Terms of Service, please contact us:

• Email: legal@vtubox.com
• Support: support@vtubox.com
• Phone: +234 XXX XXX XXXX
• Address: 11B, Maplewood Estate, Lagos, Nigeria
• Response Time: Within 48 hours