Valu-Pay – Terms & Conditions

Effective Date: July 2025

Welcome to Valu-Pay, a platform operated by [Insert Company Legal Name]. By using our mobile application or website, you agree to the following terms & conditions. Please read them carefully.

1. Acceptance of Terms

By accessing or using Valu-Pay, you confirm that you are at least 18 years old and agree to be bound by these Terms & Conditions, our Privacy Policy, and any applicable laws.

2. Services Offered

Valu-Pay provides digital access to:

• Electricity token purchases

• Airtime & data top-up (across all Nigerian networks)

• Utility bill payments (water, waste disposal, etc.)

• Cable TV and internet subscriptions

• Movie ticket and betting wallet funding

We reserve the right to modify, suspend, or discontinue any service at any time.

3. Account Registration & Security

• You are responsible for maintaining the confidentiality of your account and PIN/password.

• You agree to provide accurate and up-to-date information during registration.

• Valu-Pay will not be liable for any losses or damages arising from unauthorised access to your account.

4. Payments and Fees

• All payments are processed through secure channels.

• Valu-Pay may charge service fees or transaction costs, which will be clearly displayed before confirmation.

• Cashback offers and bonuses are subject to terms, eligibility, and availability.

5. Refunds & Disputes

• Transactions are generally final and non-refundable.

• If you experience a failed transaction, contact support within 48 hours with details.

• Refunds, if approved, will be processed to your Valu-Pay wallet or original payment method.

6. Prohibited Use

You agree not to:

• Use the platform for fraudulent, unlawful, or harmful activities

• Interfere with Valu-Pay’s systems or compromise user data

• Create multiple accounts for abuse or promotion exploitation

7. Intellectual Property

Valu-Pay owns or licenses all trademarks, logos, software, and content. You may not reproduce, modify, or distribute any part of the platform without permission.

8. Limitation of Liability

Valu-Pay is not liable for:

• Service delays or failures caused by third-party providers

• Losses resulting from user error or unauthorized access

• Damages arising from unforeseeable system outages or force majeure events

9. Termination

We may suspend or terminate your access to Valu-Pay if we suspect any violation of these terms or misuse of our services.

10. Changes to Terms

We may update these Terms & Conditions from time to time. When we post changes, your continued use of Valu-Pay signifies your acceptance of the revised terms.

11. Contact Us

For questions or support, contact:
📧 support@valu-pay.com
📞 +2348172975159