Terms & Conditions

By accessing or using Naija Hub (“we”, “us”, “our”, “the platform”), you agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the platform. These terms apply to every visitor, registered user, and customer.

• You must be at least 18 years old, or the legal age in your jurisdiction, to create an account.
• You agree to provide accurate, complete, and current information during registration and to keep it updated.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.
• You may not share, sell, transfer, or misuse another user's account.
• We reserve the right to suspend or terminate accounts that provide false information or violate these terms.

Naija Hub is a digital services marketplace that lets you fund a wallet and purchase services such as:

• Airtime top-ups for Nigerian mobile networks (MTN, Airtel, Glo, 9mobile).
• Mobile data bundles for supported networks.
• Virtual phone numbers for SMS verification from third-party providers.
• Other digital products that may be added from time to time (for example, electricity tokens, cable TV subscriptions, education pins, or bill payments).

Specific services, networks, plans, prices, and availability may change without notice based on stock, provider pricing, or technical conditions.

• All purchases are paid from your Naija Hub wallet balance. Ensure your wallet is funded before placing an order.
• Wallet funding is processed through our payment partners. We only credit your wallet after we receive a confirmed, successful payment notification.
• When you submit an order, you authorize us to deduct the stated amount from your wallet and forward the request to the relevant service provider.
• Prices are displayed in Nigerian Naira (₦) and may include applicable fees or markups where stated.
• You are responsible for entering correct details (phone numbers, meter numbers, smartcard numbers, selected networks, or plan codes). Orders submitted with incorrect details may fail or may not be refundable.

• If a provider reports a failed delivery, we will not debit your wallet for that order, or we will automatically reverse the amount to your wallet.
• Refunds for successful-but-undelivered services are reviewed case by case. Contact support with your transaction reference and details.
• Pending or timeout states are not final. We monitor provider responses and update orders to success or failure as soon as a definitive status is received.
• Wallet credits from deposits are not refundable to your bank or card except where required by law or at our sole discretion.
• Refund processing times depend on the payment method and provider; most wallet reversals are instant once a failure is confirmed.

You may not use Naija Hub to:

• Violate any applicable law, regulation, or third-party rights.
• Purchase services using stolen cards, fraudulent funds, or unauthorized payment methods.
• Abuse, harass, or interfere with other users, staff, or providers.
• Use virtual numbers or other services for illegal, fraudulent, harassing, or harmful purposes.
• Attempt to bypass security measures, manipulate pricing, or exploit platform errors.
• Resell, scrape, or automate access to the platform outside of officially supported interfaces.

We may suspend accounts, reverse transactions, and report illegal activity to the appropriate authorities.

• Naija Hub relies on trusted third-party providers to fulfil airtime, data, virtual-number, and payment services.
• Provider availability, pricing, delivery speed, and success rates are outside our direct control, although we work to choose reliable partners.
• We are not responsible for the content, policies, or practices of third-party websites or services you access through our platform.
• When you use a third-party authentication provider (such as Google), their terms and privacy policies also apply.

• We may suspend, restrict, or terminate your account at any time if we believe you have violated these terms, engaged in fraud, or created risk for other users or the platform.
• You may close your account by contacting support. Any remaining wallet balance may be handled according to our refund policy and legal obligations.
• Upon termination, your right to use the platform ceases immediately, but provisions that by their nature should survive termination will remain in effect.

• We aim to keep Naija Hub available at all times, but we do not guarantee uninterrupted access.
• The platform may be unavailable during maintenance, upgrades, provider outages, or events beyond our reasonable control.
• We reserve the right to modify, suspend, or discontinue any feature or service without prior notice.

• All content, branding, logos, designs, text, software, and materials on Naija Hub are owned by us or licensed to us.
• You may not copy, reproduce, distribute, modify, or create derivative works from our materials without our prior written permission.
• You retain ownership of any content you submit, but you grant us a limited license to use it solely to provide and improve the platform.

• Naija Hub is provided on an 'as is' and 'as available' basis without warranties of any kind, either express or implied.
• To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform.
• Our total liability for any claim arising from these terms or your use of the platform is limited to the amount you paid for the specific transaction giving rise to the claim.
• Nothing in these terms limits liability for fraud, gross negligence, willful misconduct, or any liability that cannot be excluded by law.

We may update these Terms & Conditions from time to time. When we do, we will update the "Last updated" date above and, for significant changes, notify users through the app or by email. Continuing to use Naija Hub after an update means you accept the revised terms.

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising from these terms or your use of the platform shall first be addressed through our support team. If unresolved, disputes may be submitted to the competent courts in Nigeria.

If you have questions about these Terms & Conditions or need help with your account, contact us at helpnaijahub@gmail.com. We aim to respond to support requests as quickly as possible.