These Terms & Conditions ("Terms") govern your use of NovaData's website at https://novadata.com.ng, our mobile app and our services (together, the "Services"). Please read them carefully. By creating an account or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.
1. About the Services
NovaData lets you buy airtime and mobile data, pay cable TV subscriptions and electricity bills, buy exam pins and other digital products, and hold funds in a wallet to pay for them. Some features — such as agent pricing, referral earnings, airtime-to-cash and developer API access — are available only to eligible accounts. We may add, change or withdraw features at any time.
We are a technology platform. Airtime, data, tokens, pins and subscriptions are supplied by network operators, distribution companies, exam bodies and other providers ("Providers"), and their own terms also apply to what they supply.
2. Eligibility and your account
- You must be at least 18 years old and able to enter a binding contract.
- You must give accurate, current and complete information and keep it up to date.
- You may hold only one account unless we agree otherwise. Accounts are personal and may not be sold or transferred.
- You are responsible for everything done through your account. Keep your password, transaction PIN and OTPs secret, and never share them — our staff will never ask for them.
- Tell us immediately at meek2010@gmail.com if you suspect someone else has accessed your account.
3. Identity verification and limits
To meet legal and regulatory duties and to protect users, we may ask you to verify your identity (for example with your BVN or NIN) before you can use certain features or exceed certain amounts. Daily, monthly and per-transaction limits apply and may differ by account type and verification level. We may refuse, delay or reverse transactions that exceed limits or cannot be verified.
4. Your wallet
- You can fund your wallet by bank transfer to your dedicated account, by card through our payment partners, or by any other method we offer. Funding fees, where they apply, are shown before you pay.
- Wallet funds can be used only to pay for the Services. The wallet is not a bank account, does not earn interest and is not covered by deposit insurance.
- Funds are credited when we receive confirmation from the bank or payment processor. Bank transfers that cannot be matched to your account may take longer and may need proof of payment.
- Withdrawals of commissions or eligible balances, where offered, are subject to the limits, fees and checks shown in the app.
- If money is credited to your wallet in error, you must not use it, and we may reverse it.
5. Prices, fees and payment
Prices are shown in Naira before you confirm each purchase and are deducted from your wallet when you confirm. Prices may change at any time because of Provider pricing, but a change never affects a purchase you have already confirmed. Agent, reseller and API prices apply only to eligible accounts.
6. Making purchases
- Check the recipient phone number, network, meter number, smart-card number, plan and amount before you confirm. We cannot reverse a purchase delivered to details you entered incorrectly.
- Most purchases are delivered within seconds, but delivery depends on Providers and networks and can occasionally be delayed.
- A purchase is complete when the Provider confirms delivery. A receipt is available in your transaction history.
- Electricity tokens, exam pins and similar products are delivered on screen and may also be sent by email or SMS. Keep them safe — we are not responsible for tokens or pins you share or lose after delivery.
7. Failed transactions and refunds
- If a purchase fails and the Provider confirms it was not delivered, the full amount debited (including any fee) is returned to your wallet automatically.
- If a transaction is pending, please wait while we confirm its status with the Provider before reporting it.
- If you believe a transaction was charged but not delivered, contact support within 7 days with the transaction reference. We will investigate with the Provider and refund your wallet if it was not delivered.
- Refunds are made to your wallet, not to a bank account or card, unless we decide otherwise.
- Delivered airtime, data, tokens, pins and subscriptions cannot be returned or exchanged.
8. Agents, resellers and API users
Agent and reseller accounts may receive discounted prices and must meet the conditions shown when they upgrade, including any upgrade fee or minimum balance. Developer API access is for your own systems only; you must keep your API keys secret, follow our rate limits and documentation, and you are responsible for every request made with your keys. We may change, suspend or withdraw agent pricing or API access, for example where it is misused.
9. Referrals and commissions
Where a referral programme is offered, you may earn commission on qualifying transactions by people you refer, at the rates shown in the app. Self-referrals, fake accounts and any manipulation of the programme are not allowed. We may withhold or reverse commissions earned through abuse, and we may change or end the programme at any time.
10. Prohibited use
You must not use the Services to:
- commit fraud, money laundering or the financing of terrorism, or to move money from unlawful activity;
- use stolen cards, bank accounts or identities, or make payments you are not authorised to make;
- exploit errors, bugs or pricing mistakes instead of reporting them;
- resell the Services in breach of these Terms or any Provider's terms;
- interfere with, overload, scrape, reverse-engineer or attempt to gain unauthorised access to the Services; or
- break any law or regulation.
Balances gained through prohibited use may be reversed, and we may report it to the relevant authorities.
11. Suspension and closure
We may suspend, restrict or close your account, or hold funds in it, if we reasonably believe you have broken these Terms, if required by law or a regulator, to investigate suspected fraud, or to protect you, other users or us. Where we can, we will tell you why. You may close your account at any time from your profile settings or by contacting us; any remaining eligible balance will be handled as the law and these Terms require.
12. Availability
We work to keep the Services available, but they may sometimes be interrupted for maintenance, upgrades, Provider or network outages, or events outside our control. We do not guarantee uninterrupted or error-free operation.
13. Intellectual property
The Services, including our software, design, logos and content, belong to us or our licensors. You may use them only to access the Services as these Terms allow. Network operator and Provider names and logos belong to their owners.
14. Disclaimers
The Services are provided "as is" and "as available". To the extent the law allows, we make no promises beyond those in these Terms, and we are not responsible for the products, networks or service quality of Providers.
15. Limitation of liability
To the extent the law allows, we are not liable for indirect or consequential losses, loss of profit or data, or losses caused by incorrect details you entered, by Provider or network failures, by unauthorised use of your account resulting from your failure to keep your credentials safe, or by events outside our reasonable control. Our total liability for any claim relating to a transaction is limited to the amount of that transaction. Nothing in these Terms limits liability that cannot be limited by law.
16. Indemnity
You agree to compensate us for losses, claims and costs arising from your breach of these Terms or your misuse of the Services.
17. Changes to these Terms
We may update these Terms from time to time. The "last updated" date shows the latest version. If a change is significant we will tell you through the Services or by email before it takes effect. Continuing to use the Services after a change means you accept the updated Terms.
18. Governing law and disputes
These Terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, please contact us first so we can try to resolve it. Any dispute that cannot be resolved amicably will be subject to the jurisdiction of the courts of Nigeria.
19. Contact us
Questions about these Terms? Email meek2010@gmail.com, call +2348130804458.