Terms of Service

1. Acceptance of Terms

By accessing or using Q-VTU & Reseller Hub ("the Platform", "we", "us", "our"), you ("User", "you") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms in full, you must immediately stop using the Platform.

These Terms constitute a legally binding agreement between you and VineSub Tech ("the Company"), the operator of the Platform.

2. Eligibility

To use the Platform, you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction.
• Be a resident of Nigeria, or otherwise legally permitted to use Nigerian VTU services.
• Provide accurate, current and complete information during registration.
• Not be barred from using the Platform under any applicable law.
• Not have had a prior account terminated for fraud or abuse.

3. Account Registration & Security

3.1 Account Creation

You create an account by providing a unique username, a valid Nigerian phone number, a valid email address, and a password. You are solely responsible for the accuracy of your registration details.

3.2 Account Security

• You are responsible for maintaining the confidentiality of your password, transaction PIN and API code.
• You must notify us immediately of any unauthorised access to your account.
• We may suspend your account if we detect suspicious activity.
• We strongly recommend enabling two-factor authentication (2FA).

3.3 One Account Per Person

You may only maintain one active account unless authorised otherwise in writing. Duplicate accounts created to circumvent limits, abuse promotions, or commit fraud may be permanently suspended with forfeiture of wallet balance.

4. Wallet & Funding

4.1 Nature of Wallet

Your wallet is a prepaid ledger for purchasing VTU services on the Platform. Wallet balances are not bank deposits and do not earn interest. They are non-transferable between users and cannot be withdrawn as cash except at our sole discretion.

4.2 Funding Channels

• Card / Online payments via Flutterwave. Credited automatically after successful payment confirmation.
• Bank transfers to the account shown on the Wallet page. Credited after admin approval, typically within minutes.

4.3 Processing Fees

We may charge a processing fee on any funding channel. The fee (flat ₦ or percentage) and its mode (added on top, or deducted from the funding amount) are disclosed on the Wallet page before you confirm the transaction.

4.4 Wallet Corrections

If we discover that your wallet was credited in error (duplicate credit, failed reversal, fraud), we reserve the right to correct the balance. If you have already spent funds that were credited in error, we may recover the amount through your next funding or suspend the account until settled.

5. Our Services

The Platform provides the following VTU services (collectively, "Services"):

• Airtime — MTN, GLO, Airtel, 9mobile.
• Data bundles — SME, Corporate, Gifting and Direct data plans.
• Cable TV subscriptions — DStv, GOtv, Startimes and Showmax.
• Exam pins — WAEC, NECO, NABTEB, JAMB, WAEC Registration and NBAIS.

All Services are delivered through our VTU API provider. We act as a reseller and are not the underlying network operator or content provider.

6. Pricing

6.1 Rates

Prices for each plan are displayed on the Buy pages before you confirm a transaction. Prices may change at any time without prior notice, but changes never affect transactions that have already been completed.

6.2 Reseller Custom Pricing

Users with the Reseller role may set custom prices for their downline. The difference between your custom price and the Platform base price is credited to your wallet as reseller margin on every successful downline transaction. Resellers may not set prices below the Platform base price.

6.3 Errors

If a pricing error is displayed, we reserve the right to cancel the affected transaction and reverse any related wallet movements.

7. Transactions & Delivery

7.1 Confirmation

Each purchase requires you to confirm the network/provider, recipient, plan and amount on the confirmation dialog. Once confirmed, the wallet is debited immediately.

7.2 Delivery Times

• Airtime, data and cable: typically 3-10 seconds.
• Exam pins: typically 3-15 seconds.
• During network congestion or provider downtime, delivery may take longer.

7.3 Pending Transactions

If our provider returns a "processing" status, the transaction shows as pending and your wallet remains debited. Our automated systems (webhook and periodic reconciliation) will settle the transaction within minutes. If it takes longer, please contact support with the transaction reference.

7.4 Incorrect Recipient

You are solely responsible for ensuring the phone number, smart card number or IUC number entered is correct. We cannot recover funds for a successful transaction sent to an incorrect number that you provided.

8. Refund Policy

Refunds are credited to your wallet, not to your bank account or card.

Refunds may be requested for the following cases:

• Provider returned a permanent failure but the wallet was not auto-refunded.
• Duplicate charges for the same transaction.
• Technical error resulting in over-charge.

To request a refund, submit a support ticket with the transaction reference within 48 hours of the transaction.

Non-refundable cases:

• Successful transactions where the wrong recipient was provided by you.
• Amounts already spent on other services.
• Wallet balances forfeited due to fraud or violation of these Terms.

9. Reseller Program & API Access

9.1 Upgrade

You may upgrade to Reseller from the Reseller Hub. Reseller status unlocks API access, sub-agent management, custom pricing and higher commission tiers.

9.2 API Use

• Your API code is personal and non-transferable.
• You are responsible for every transaction made with your API code.
• Never expose your API code publicly (in JavaScript, GitHub, screenshots, etc.).
• We may regenerate your API code at any time for security reasons.
• Rate limits apply: 120 requests per minute per API key by default.

9.3 Sub-Agents

You may create sub-agents under your account. You are solely responsible for how your sub-agents use the Platform and for the accuracy of their information.

9.4 Commissions

Commission tiers are displayed in the Reseller Hub and may be adjusted by us at any time. Commissions are credited as "Reseller margin" rows in your wallet history.

10. Prohibited Use

• Fraud, money laundering, or use of stolen payment instruments.
• Attempting to exploit bugs, race conditions or pricing errors.
• Using automated bots to abuse promotions, referral bonuses or free credits.
• Impersonating another user, staff member or the Company.
• Providing false information during registration or KYC.
• Reverse-engineering, scraping, or attacking the Platform.
• Reselling data obtained from the Platform without authorisation.
• Using the Platform for any transaction that violates Nigerian law or the law of any applicable jurisdiction.
• Posting or sending unsolicited commercial messages (spam) using Platform contacts.
• Sharing your account with any third party.

11. Intellectual Property

All content on the Platform — including logos, text, graphics, code, pricing tables and design — is owned by the Company or its licensors and is protected by copyright and other intellectual property laws. You may not copy, modify, distribute or resell any part of the Platform without our express written permission.

You retain ownership of any content you upload (e.g., profile photo, support attachments). By uploading, you grant us a license to store and process that content for the purpose of delivering the Services.

12. Third-Party Providers

Our Services rely on third-party providers, including:

• VINE-VTU — VTU API provider for airtime, data, cable and exam pins.
• Flutterwave — payment gateway for card, bank and USSD funding.
• Telecom networks — MTN, GLO, Airtel, 9mobile.
• Cable and exam providers — DStv, GOtv, Startimes, Showmax, WAEC, NECO, JAMB, NABTEB, NBAIS.

We are not responsible for any act, omission, delay or failure of these third-party providers.

13. Disclaimers

The Platform is provided "as is" and "as available", without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that:

• The Platform will be uninterrupted, timely, secure or error-free.
• Any pricing or data will be 100% accurate at all times.
• Any provider will not experience downtime.
• Any error in the software will be corrected immediately.

14. Limitation of Liability

To the maximum extent permitted by Nigerian law, the Company shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, or goodwill, arising out of or relating to your use of the Platform.

Our total liability to you for any claim arising out of these Terms shall not exceed the total amount of fees paid by you to us in the three (3) months preceding the claim.

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

15. Termination

We may suspend, restrict or terminate your account at any time, with or without notice, if:

• You breach these Terms.
• We are required to do so by law or by a regulator.
• We detect suspected fraud, abuse or security threats.
• Your account remains inactive for a prolonged period (usually 24+ months) and we decide to close it.

On termination:

• Any remaining wallet balance may be forfeited if termination was caused by fraud or violation of these Terms.
• For voluntary closure, we will process any remaining balance minus any fees owed.
• Outstanding obligations and liabilities survive termination.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms shall first be addressed through good-faith negotiation. If negotiation fails, the dispute shall be resolved by the competent courts of Nigeria.

17. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will notify you via:

• An in-app notification.
• An email to your registered email address.
• A banner on the Platform.

Continued use of the Platform after a Terms update constitutes your acceptance of the revised Terms.

18. Contact Us

If you have questions about these Terms, please contact us:

• Email: vinesubtech@gmail.com
• Phone / WhatsApp: +2347039615126
• Support ticket: Create a ticket
• Operated by: VineSub Tech