Terms of Service

To access NillarPay Services, you must create an account by providing your full legal name, phone number, email address, date of birth, and any other information we reasonably request during the registration process.

You are responsible for maintaining the confidentiality of your account credentials, including your PIN, password, and One-Time Passwords (OTPs). You agree to:

• Never share your PIN, password, or OTP with any third party, including persons claiming to be NillarPay staff.
• Immediately notify us at support@nillar.com if you suspect unauthorized access to your account.
• Lock your device if it contains an active NillarPay session.
• Use only the official NillarPay application downloaded from authorised app stores.

Each individual may only maintain one (1) personal NillarPay account. Creating multiple accounts or allowing another person to use your account is prohibited and may result in suspension.

You must provide accurate and up-to-date information at all times. If your details change (e.g., phone number, address), you must update your account promptly. Providing false or misleading information is a violation of these Terms and may be a criminal offence under Nigerian law.

NillarPay operates a tiered KYC system:

• Tier 1 (Basic): Phone number verification — limited transaction limits apply.
• Tier 2 (Standard): BVN or NIN verification — standard transaction limits apply.
• Tier 3 (Enhanced): Government-issued ID (Passport, Driver's Licence, Voter's Card) plus selfie verification — higher transaction limits and full feature access.

KYC verification is conducted through government-approved identity verification providers integrated within the NillarPay platform. By submitting your BVN or NIN, you consent to us verifying your identity with the Nigeria Inter-Bank Settlement System (NIBSS) and the National Identity Management Commission (NIMC) or their authorised agents.

We may request additional documents or information at any time to maintain compliance with applicable regulations. Failure to provide requested information may result in restriction of your account pending resolution.

Your NillarPay wallet is a digital payment account maintained by our licensed banking partners. Funds in your wallet are not deposits with Nillar Technology Limited but are held by our banking partners in accordance with CBN regulations.

You may use your NillarPay wallet to:

• Receive money from other NillarPay users or bank accounts.
• Send money to other NillarPay users or any Nigerian bank account via the NIP (NIBSS Instant Payment) system.
• Purchase airtime and data bundles for any Nigerian network.
• Pay utility bills (electricity, water, cable TV, etc.).
• Make payments to supported merchants.
• Fund your wallet from any Nigerian bank account.
• Withdraw funds to your linked Nigerian bank account.

Transaction limits apply based on your KYC tier as prescribed by CBN guidelines. These limits may be updated from time to time. Current limits are displayed within the NillarPay application.

An account with no transactions for twelve (12) consecutive months may be classified as dormant. We will notify you before taking any action on dormant accounts, in line with CBN guidelines on dormant accounts.

• Fraud, money laundering, or financing of terrorism.
• Receiving or sending proceeds of crime.
• Operating a Ponzi or pyramid scheme.
• Impersonating another person or entity.
• Tax evasion or any other financial crime.

• Cryptocurrency transactions or exchanges of any kind.
• International money transfers or remittances.
• Gambling or lottery payments.
• Lending, investment, or wealth management services.
• Processing payments on behalf of unlicensed businesses.

• Using automated bots, scripts, or tools to access or interact with NillarPay.
• Attempting to reverse-engineer, hack, or gain unauthorised access to any system.
• Creating multiple accounts to circumvent transaction limits or verification requirements.
• Exploiting referral programs in bad faith or in a manner not intended by NillarPay.
• Submitting false or fabricated documents during KYC or dispute processes.

By initiating a transfer or payment on NillarPay, you authorise Nillar Technology Limited and our banking partners to execute the transaction on your behalf. Your PIN, biometric authentication, or OTP confirmation constitutes your electronic authorisation.

Transactions processed through the NIP system and other payment networks are generally irreversible once confirmed. Please verify all recipient details (account number and bank name) carefully before authorising any transfer. NillarPay is not liable for funds sent to incorrect account details provided by you.

If a transaction fails after your wallet has been debited, we will attempt to reverse the funds to your wallet within 24–72 hours in accordance with CBN guidelines. If a reversal is delayed, please contact our support team.

Your transaction history is available within the NillarPay app and serves as the primary record of your account activity. You should regularly review your transaction history and report any unauthorised transactions within 7 days of the transaction date.

• Transfer fees: Fees may apply to bank transfers sent outside of NillarPay.
• Airtime/Data convenience fees: A service fee may apply to airtime and data purchases.
• Bill payment fees: Certain utility bill payments may attract a processing fee.
• Withdrawal fees: Fees may apply when withdrawing funds to an external bank account.

We reserve the right to change our fee structure with at least 7 (seven) days' prior notice communicated via the NillarPay app, email, or SMS. Continued use of the Services after the effective date of a fee change constitutes acceptance of the new fees.

Certain transactions may attract charges imposed by third-party networks (such as NIBSS transaction fees) that are separate from NillarPay fees. These will be displayed before transaction confirmation.

We may suspend or terminate your account, with or without prior notice, if:

• You violate any provision of these Terms.
• We suspect fraud, money laundering, or any illegal activity on your account.
• We are required to do so by a regulatory authority or court order.
• You provide false or misleading information during registration or KYC.
• Your account is used for prohibited activities listed in Section 6.
• We discontinue the Services (with reasonable notice).

You may close your NillarPay account at any time by contacting our support team. Before closure, all pending transactions must be completed and any remaining balance must be withdrawn to a linked bank account.

Upon termination, your access to NillarPay Services will cease. Sections relating to intellectual property, limitation of liability, indemnification, and governing law will survive termination.

In the event of a dispute, you should first contact NillarPay through our official support channels. If the dispute is not resolved within 30 days, either party may escalate to the Consumer Protection Department of the CBN, the Federal Competition and Consumer Protection Commission (FCCPC), or seek resolution through the courts of the Federal Capital Territory, Abuja, Nigeria.