Electronic Signature & Records Consent
This agreement explains how NillarPay conducts business electronically and what it means for your transactions and communications with us.
Table of Contents
1. Consent to Conduct Business Electronically
By creating a NillarPay account, accessing our application, or using any of our Services, you expressly consent to conducting all aspects of your relationship with Nillar Technology Limited electronically, including but not limited to:
- Opening and managing your digital wallet account.
- Receiving, reviewing, and accepting terms, policies, and disclosures.
- Authorising financial transactions.
- Receiving notices, statements, and confirmations.
- Resolving disputes and submitting complaints.
- Completing identity verification processes.
This consent applies to all current and future interactions with NillarPay during the term of your account, unless you withdraw consent as described in Section 6 of this Agreement.
2. Acceptance of Electronic Records
You agree to receive the following records and documents electronically in lieu of paper copies:
- Terms of Service, Privacy Policy, and all related legal agreements.
- Transaction confirmations and receipts delivered via push notifications, SMS, or in-app messages.
- Account statements and transaction history accessible within the NillarPay application.
- Fee disclosures and updates to fee schedules.
- Notices of changes to your account, including restrictions or suspensions.
- KYC verification outcomes and requests for additional information.
- Promotional communications, where you have opted in.
Electronic records provided by NillarPay shall be deemed received by you upon delivery to your registered email address, phone number via SMS, or display within the NillarPay application.
3. Electronic Signatures — What Constitutes Your Signature
Under this Agreement and applicable Nigerian law, the following actions constitute your legally binding electronic signature when performed within the NillarPay platform:
3.1 Recognised Electronic Signature Forms
- One-Time Passwords (OTPs): Entering an OTP sent to your registered phone number to authorise a transaction or confirm an action.
- PIN Entry: Entering your NillarPay transaction PIN to authorise payments, transfers, or account changes.
- Biometric Authentication: Use of your fingerprint or facial recognition to authenticate within the NillarPay app.
- Click-to-Accept: Clicking 'I Agree', 'Accept', 'Confirm', 'Proceed', or similar buttons within the application.
- In-App Confirmations: Swiping to confirm, sliding, or completing any confirmation gesture within the application interface.
- Checkbox Acceptance: Ticking a checkbox to confirm acceptance of terms or consent to processing.
3.2 Legal Equivalence
You acknowledge and agree that each of the above actions carries the same legal force and effect as a handwritten signature and constitutes your binding consent or authorisation for the associated action.
4. Consent to Receive Electronic Disclosures
By using NillarPay, you consent to receive all required regulatory and legal disclosures electronically through:
- The NillarPay mobile application.
- Email sent to your registered email address.
- SMS sent to your registered mobile number.
- Push notifications on your registered device.
- Our website at pay.nillar.com.
4.1 Updating Your Contact Information
It is your responsibility to keep your registered email address and phone number current and accurate. If electronic communications are returned as undeliverable due to outdated contact information, we reserve the right to suspend your account until contact details are updated.
4.2 Paper Copies
You may request a paper copy of any electronic record by contacting us at support@nillar.com. We will provide paper copies within a reasonable time. Note that fees may apply for paper document requests.
5. Hardware and Software Requirements
To access, receive, and retain electronic records from NillarPay, you will need:
5.1 Mobile Application
- A smartphone running Android 7.0 (or higher) or iOS 13 (or higher).
- The latest version of the NillarPay mobile application installed from Google Play Store or Apple App Store.
- Active internet connection (mobile data or Wi-Fi).
- Sufficient device storage to support the application and notifications.
- An active SIM card registered with your NillarPay phone number for OTP delivery.
5.2 Website Access
- A modern web browser (Chrome 90+, Firefox 88+, Safari 14+, Edge 90+) with JavaScript enabled.
- Active internet connection.
- Ability to receive and open PDF documents (PDF viewer required for statements).
It is your responsibility to ensure your devices and software meet these requirements. NillarPay is not responsible for your inability to receive electronic communications due to incompatible technology.
6. Withdrawing Consent
You have the right to withdraw your consent to electronic transactions and communications at any time. To withdraw consent:
- Submit a written withdrawal request to support@nillar.com from your registered email address.
- Include your full name, registered phone number, and a statement of withdrawal.
- We will process your request within 5 business days.
7. Retention of Electronic Records
NillarPay retains electronic records of all transactions, agreements, consents, and communications in accordance with our Data Retention Policy and CBN record-keeping requirements (minimum 5 years for financial records).
7.1 Your Access to Records
You may access your transaction history and account records at any time within the NillarPay application. Transaction receipts can be downloaded from the transaction detail screen. Account statements covering any period can be requested from our support team.
7.2 After Account Closure
After account closure, we will retain your records for the legally required period. You may request a copy of your records within 12 months of account closure by contacting support@nillar.com.
8. Legal Effect of This Agreement
This Electronic Signature and Records Consent Agreement forms part of your overall agreement with Nillar Technology Limited and is governed by Nigerian law. By using NillarPay Services, you acknowledge that:
- You have read and understood this Agreement.
- You have the necessary hardware and software to receive electronic records.
- Your electronic signatures and confirmations carry full legal weight.
- You consent to conducting all business with NillarPay electronically.
- You can withdraw this consent at any time, subject to the consequences described above.
Contact for this Agreement:
Email: support@nillar.com | Address: Kano, Nigeria, Lagos, Nigeria