These terms govern your use of UnityBills's website, dashboard, apps, USSD channels and API (together, "the service"). By creating an account or using the service you agree to them. If you use the service for a business, you accept them on its behalf.
1. Your account
- You must be at least 18 and give accurate information. We may ask you to verify your identity (for example with your BVN, NIN or KYC/KYB documents) before enabling some features or higher limits.
- You are responsible for everything done with your password, transaction PIN and API keys. Keep them secret and tell us immediately if they are compromised.
- One person or business per account, unless we agree otherwise.
2. Your wallet
- Your wallet holds funds you deposit to pay for services and transfers. It is not a bank account and does not earn interest.
- You fund it by transfer to the account number we issue you through our banking partners. Deposits are credited after the partner confirms them, less any funding fee shown in your dashboard.
- We may hold or reverse credits that were made in error, are disputed by the sending bank or appear fraudulent.
3. Purchases and payments
- Check every recipient (phone, meter, smartcard, account number and network) before you confirm. Value sent to the details you entered cannot always be recovered.
- Services are delivered by third-party providers. Delivery is normally instant but can be delayed by the provider or network.
- Prices and fees are shown before you pay and may change. The flat fee for bank transfers is shown in your dashboard and on our pricing page.
- Refunds follow our Refund Policy.
4. Limits
Transfers and some purchases are subject to daily and monthly limits that depend on your account tier and verification level. We may change limits to manage risk or meet regulatory requirements.
5. Business features and the API
- API access, virtual accounts for your customers, USSD apps and PIN generation are available to approved business accounts.
- You must obtain your customers' consent before submitting their details (including BVN or NIN) and use them only to provide your service.
- You are responsible for your integration, for securing your API key and for verifying webhook signatures. Do not resell access to the API itself without our written agreement.
- PINs you generate are paid for when generated and are your responsibility once issued.
6. Acceptable use
You must not use the service for fraud, money laundering, terrorist financing, gambling where unlawful, or any illegal purpose; to receive proceeds of crime; to attack, overload or reverse-engineer the service; or to impersonate others. We may report suspicious activity to the authorities as the law requires.
7. Suspension and closure
We may suspend or close an account, or freeze funds while we investigate, if we reasonably suspect a breach of these terms, fraud or a legal requirement. You may close your account at any time; any remaining balance, less amounts owed to us, will be paid to a verified bank account in your name.
8. Liability
We provide the service with reasonable skill and care. We are not liable for losses caused by incorrect details you enter, by third-party providers, banks or networks outside our control, or by events beyond our reasonable control. Nothing in these terms limits liability that cannot be limited by law.
9. Privacy
Our Privacy Policy explains how we handle your personal data.
10. Changes and governing law
We may update these terms; the date at the top shows the latest version and we will notify you of important changes. These terms are governed by the laws of the Federal Republic of Nigeria.
11. Contact
Questions about these terms: support@unitybills.ng or our contact form.