TERMS AND CONDITIONS


TopUpNG (topupng.biz)

Effective Date: 24th July 2026

Last Updated: 24th July 2026


SECTION 1

1.1 Acceptance of Terms

Welcome to TopUpNG ("TopUpNG", "we", "our", or "us"). These Terms and Conditions govern your access to and use of our website, mobile applications, APIs, and services.

By creating an account or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, you must not use our services.


1.2. Eligibility

To use TopUpNG, you must:

  1. Be at least 18 years old or otherwise have legal capacity to enter into binding contracts under Nigerian law.
  2. Provide accurate, complete, and current information.
  3. Use the platform only for lawful purposes.

We reserve the right to refuse registration or suspend access where these requirements are not met.


1.3. Our Services

TopUpNG provides digital payment and value-added services, which may include:

  1. Airtime recharge
  2. Mobile data purchase
  3. Electricity token payments
  4. Cable TV subscriptions
  5. Wallet funding (where available)
  6. Other digital services introduced from time to time

Availability of services may vary without prior notice.


1.4. Account Registration

You are responsible for:

  1. Keeping your login credentials confidential.
  2. Maintaining the security of your account.
  3. Promptly notifying us of any unauthorised access or suspected compromise.

You remain responsible for all activities carried out through your account unless caused by our negligence.


1.5. Identity Verification

TopUpNG may request identity verification or additional information where required by law, regulatory requirements, fraud prevention measures, or internal risk controls.

Failure to provide requested information may result in delayed processing, service restrictions, suspension, or account closure.


1.6. Wallet Funding and Payments

Where wallet services are available:

  1. Funds must be obtained from lawful sources.
  2. Payments are subject to verification.
  3. Wallet balances are not interest-bearing.
  4. We may delay or decline transactions pending security or compliance checks.

1.7. Pricing

Our prices are displayed before you complete a transaction.

While we strive for accuracy, pricing may change without prior notice due to changes by service providers or other factors. The price displayed at checkout will apply to your transaction.


1.8. Transactions

You are responsible for ensuring that all details submitted, including phone numbers, meter numbers, smart card numbers, and network selections, are correct before confirming a transaction.

TopUpNG shall not be responsible for losses arising from incorrect information supplied by the customer.


1.9. Failed or Delayed Transactions

Although most transactions are processed instantly, delays may occasionally occur.

Where a transaction fails after payment:

  1. We will investigate the transaction.
  2. Successful reversals or refunds will be processed where appropriate.
  3. Processing times may depend on banks, payment providers, or service providers.


1.10. Refund Policy

Refunds are considered only where:

  1. Payment is successfully received but the requested service is not delivered.
  2. Duplicate payments occur.
  3. A transaction cannot be completed due to an error attributable to TopUpNG or its authorised service providers.

Refunds will not be granted for transactions completed using incorrect customer details supplied by the user.


1.11. Prohibited Activities

Users must not:

  1. Engage in fraud or attempted fraud.
  2. Use stolen payment instruments.
  3. Impersonate another person.
  4. Attempt unauthorised access to our systems.
  5. Introduce malicious software.
  6. Use the platform for money laundering, terrorist financing, or other unlawful purposes.
  7. Interfere with the operation or security of the platform.

Violation of these Terms may result in immediate suspension or termination of access.


1.12. Suspension or Termination

We may suspend, restrict, or terminate accounts where:

  1. Fraud or suspicious activity is detected.
  2. Regulatory or law enforcement requirements apply.
  3. These Terms are breached.
  4. Continued access presents a security or business risk.

Where appropriate, we may notify affected users of the reason for the action, subject to legal or regulatory restrictions.


1.13. Intellectual Property

All content on TopUpNG, including logos, trademarks, software, graphics, text, and designs, remains the property of TopUpNG or its licensors.

You may not reproduce, distribute, modify, or exploit our intellectual property without prior written permission.


1.14. Service Availability

While we aim to provide continuous access, we do not guarantee uninterrupted or error-free operation.

Services may be unavailable due to maintenance, upgrades, third-party outages, or circumstances beyond our reasonable control.


1.15. Limitation of Liability

To the maximum extent permitted by law, TopUpNG shall not be liable for indirect, incidental, consequential, or special damages arising from the use of our services.

Our total liability in relation to any successful claim shall not exceed the amount paid for the transaction giving rise to that claim, except where liability cannot legally be excluded.


1.16. Indemnity

You agree to indemnify and hold TopUpNG, its directors, employees, agents, and affiliates harmless from claims, losses, liabilities, damages, and expenses arising from your misuse of the platform or breach of these Terms.


1.17. Privacy

Our collection and processing of personal information is governed by our Privacy Policy, which forms part of these Terms.


1.18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.


1.19. Dispute Resolution

We encourage users to contact our customer support team to resolve complaints promptly.

Where disputes cannot be resolved amicably, the parties may pursue mediation or any other lawful dispute resolution process before resorting to litigation where appropriate.


1.20. Amendments

We may revise these Terms from time to time.

Updated versions will be published on our website, and continued use of our services after publication constitutes acceptance of the revised Terms.


1.21. Contact Information

TopUpNG

Website: https://topupng.biz

Email: topupng@digitalmediaplus.info




SECTION 2


REFUND & CANCELLATION POLICY


2.1. Introduction

At TopUpNG, we are committed to providing reliable and efficient digital payment services. This Refund & Cancellation Policy explains the circumstances under which refunds, reversals, or cancellations may be granted.

By using our services, you agree to this Policy.


2.2. Nature of Digital Services

TopUpNG provides digital products and services, including but not limited to:

  1. Airtime recharge
  2. Mobile data bundles
  3. Electricity token purchases
  4. Cable TV subscriptions
  5. Wallet funding (where available)
  6. Other digital services introduced from time to time

Because these services are delivered electronically, they are generally non-refundable once successfully processed.


2.3. Transactions Eligible for Refund

A refund or reversal may be approved where:

  1. Your account is debited but the requested service is not delivered.
  2. A duplicate payment is made for the same transaction.
  3. A transaction fails due to an error attributable to TopUpNG or one of our authorised service providers.
  4. A refund is required by applicable law.

Refunds are subject to verification and investigation.


2.4. Transactions Not Eligible for Refund

Refunds will generally not be granted where:

  1. You entered an incorrect phone number, meter number, smart card number, account number, or network.
  2. The airtime, data, electricity token, or subscription has already been successfully delivered.
  3. You changed your mind after successful delivery.
  4. The transaction failed because of inaccurate information supplied by you.
  5. The issue results from the policies or actions of a third-party service provider after successful delivery.

2.5. Transaction Review

Where a dispute is raised, TopUpNG will:

  1. Review the transaction records.
  2. Verify payment status.
  3. Confirm delivery with the relevant service provider where necessary.
  4. Notify you of the outcome within a reasonable time.

We may request additional information to complete our investigation.


2.6. Refund Method

Approved refunds may be made through one of the following methods:

  1. Reversal to your TopUpNG wallet.
  2. Refund to the original payment method, where practicable.
  3. Another method agreed between you and TopUpNG.

2.7. Refund Processing Time

Approved refunds are typically processed within 3 to 10 business days, depending on the payment channel, bank, or service provider.

Delays caused by financial institutions or third-party providers are outside our reasonable control.


2.8. Cancellation of Transactions

Transactions cannot be cancelled once processing has begun or the digital service has been successfully delivered.

If you notice an error before submitting your request, please review and correct the transaction details before confirming payment.


2.9. Fraud Prevention

TopUpNG reserves the right to refuse refunds where fraud, attempted fraud, abuse of the platform, or suspicious activity is suspected.

Accounts involved in fraudulent activity may be suspended or permanently closed.


2.10. Chargebacks

If a customer initiates an unjustified chargeback after receiving the purchased service, TopUpNG reserves the right to:

  1. Contest the chargeback with the payment provider.
  2. Suspend or restrict the customer's account.
  3. Recover any losses permitted by law.

2.11. Customer Responsibilities

You are responsible for:

  1. Carefully reviewing all transaction details before payment.
  2. Ensuring sufficient funds are available.
  3. Keeping your account credentials secure.
  4. Promptly reporting any unauthorised transactions.

2.12. Changes to this Policy

TopUpNG may amend this Refund & Cancellation Policy from time to time. Updated versions will be published on our website and take effect upon publication.





SECTION 3


ANTI-MONEY LAUNDERING (AML), COUNTER-FINANCING OF TERRORISM (CFT) & KNOW YOUR CUSTOMER (KYC) POLICY


3.1. Purpose

TopUpNG is committed to maintaining a safe, secure, and trustworthy platform for the purchase of airtime, data, utility payments, and other digital services.

Although TopUpNG is not a licensed financial institution or licensed payment service provider, we take reasonable measures to help prevent fraud, identity theft, money laundering, terrorist financing, and other unlawful activities on our platform.

This Policy explains our customer identification, verification, and risk management practices.


3.2. Scope

This Policy applies to:

  1. All users of TopUpNG.
  2. Employees and authorised representatives.
  3. Contractors and service providers who support our operations where applicable.

3.3. Our Commitment

TopUpNG is committed to:

  1. Operating its platform responsibly and lawfully.
  2. Taking reasonable steps to verify customer identities where appropriate.
  3. Monitoring transactions for signs of fraud or misuse.
  4. Protecting customer information.
  5. Cooperating with our banking partners, payment processors, regulators, and law enforcement agencies where required by applicable law.

Nothing in this Policy should be interpreted as suggesting that TopUpNG performs regulatory functions reserved for licensed financial institutions.


3.4. Customer Identification (KYC)

To protect our customers and our platform, TopUpNG may request information necessary to verify a user's identity before providing certain services or where unusual activity is detected.

Depending on the circumstances, we may request:

  1. Full name
  2. Mobile phone number
  3. Email address
  4. Date of birth
  5. Bank Verification Number (BVN), National Identification Number (NIN), or another government-issued means of identification where reasonably necessary
  6. Proof of address where appropriate

Failure to provide requested information may result in delayed processing, restricted services, suspension, or closure of an account.


3.5. Customer Responsibilities

Customers agree to:

  1. Provide accurate and complete information.
  2. Keep their account information up to date.
  3. Use only payment methods and bank accounts they are authorised to use.
  4. Keep login credentials secure.
  5. Use TopUpNG only for lawful purposes.

Customers are responsible for activities carried out through their accounts unless caused by TopUpNG's negligence or a security failure within our systems.


3.6. Risk Monitoring

To protect the integrity of our platform, TopUpNG may review account activity and transaction patterns to identify unusual or potentially fraudulent behaviour.

Examples include:

  1. Multiple failed payment attempts.
  2. Unusual transaction volumes.
  3. Repeated transactions inconsistent with normal account activity.
  4. Attempts to abuse promotions or referral programmes.
  5. Use of false or misleading registration information.
  6. Activity that may reasonably indicate fraud or unauthorised use.

Such reviews are conducted solely for fraud prevention, customer protection, and operational security.


3.7. Verification and Additional Information

Where necessary for fraud prevention, legal compliance, or risk management, TopUpNG may request additional information before processing a transaction or continuing to provide services.

During this process, we may:

  1. Delay processing while verification is completed.
  2. Request supporting documentation.
  3. Place temporary restrictions on an account.
  4. Decline transactions that cannot be satisfactorily verified.

3.8. Fraud Prevention

TopUpNG reserves the right to refuse, delay, suspend, or cancel transactions where there are reasonable grounds to believe that a transaction:

  1. Involves fraud or attempted fraud.
  2. Is unauthorised.
  3. Involves stolen payment credentials.
  4. Breaches these Terms and Conditions.
  5. Presents an unacceptable operational or security risk.

Where appropriate, affected users may be asked to provide additional information before services are restored.


3.9. Cooperation with Third Parties and Authorities

TopUpNG works with licensed payment providers, banks, and other service providers to deliver its services.

Where required by applicable law or a lawful request from a competent authority, or where necessary to protect our legal rights or prevent fraud, we may disclose relevant information in accordance with our Privacy Policy and applicable laws.


3.10. Record Keeping

TopUpNG may retain customer identification and transaction records for as long as reasonably necessary to:

  1. Provide our services.
  2. Resolve disputes.
  3. Prevent fraud.
  4. Meet contractual, legal, or regulatory obligations that apply to our business.

Records are retained securely and access is limited to authorised personnel.


3.11. Data Protection

Any personal information collected under this Policy will be processed in accordance with:

  1. The Nigeria Data Protection Act (NDPA), 2023.
  2. Our Privacy Policy.
  3. Other applicable laws.

We implement reasonable technical and organisational measures to safeguard personal data against unauthorised access, alteration, disclosure, or destruction.


3.12. Policy Updates

TopUpNG may revise this Policy from time to time to reflect changes in our operations, applicable laws, industry practices, or security requirements.

The latest version will always be published on our website.




SECTION 4


COMPLAINTS & DISPUTE RESOLUTION POLICY


4.1. Purpose

TopUpNG is committed to delivering reliable digital services and providing fair, transparent, and timely resolution of customer complaints. This Policy explains how customers can raise concerns, how complaints are handled, and the process for resolving disputes.


4.2. Scope

This Policy applies to all users of TopUpNG and covers complaints relating to our products, services, customer support, website, transactions, and account management.


4.3. How to Submit a Complaint

Customers may submit complaints through any of the following channels:

Email: topupng@digitalmediaplus.info

Whatapp: 08054629268

Where available, customers may also contact us through our official WhatsApp, live chat, or other customer support channels published on our website.

To help us investigate your complaint, please include:

  1. Full name
  2. Registered phone number or email address
  3. Transaction reference number (if applicable)
  4. Date and time of the transaction
  5. Description of the issue
  6. Supporting documents or screenshots where available


4.4. Complaint Handling Process

Upon receiving your complaint, TopUpNG will:

  1. Acknowledge receipt of the complaint.
  2. Review the information provided.
  3. Investigate the matter, including consultation with payment processors, banks, or service providers where necessary.
  4. Communicate our findings and any proposed resolution.

We may request additional information where necessary to complete our investigation.


4.5. Response Time

Our target response times are:

  1. Acknowledgement: Within 24 business hours.
  2. Simple complaints: Within 3 business days.
  3. Complex complaints requiring third-party investigation: Within 10 business days or such longer period as may reasonably be required.

Where additional time is needed, we will keep you informed of the progress of your complaint.


4.6. Resolution Options

Depending on the circumstances, a complaint may be resolved through:

  1. Transaction confirmation.
  2. Service completion.
  3. Refund or reversal where applicable.
  4. Correction of account records.
  5. Technical assistance.
  6. Explanation of our policies or procedures.
  7. Any other reasonable remedy appropriate to the circumstances.

4.7. Escalation

If you are dissatisfied with our initial response, you may request that your complaint be reviewed by a senior member of our customer support or management team.

We will conduct a further review and communicate our final decision.


4.8. External Resolution

If a dispute cannot be resolved through our internal process, either party may pursue mediation, arbitration, or legal proceedings in accordance with the laws of the Federal Republic of Nigeria.

Nothing in this Policy limits any legal rights available under applicable law.


4.9. Customer Responsibilities

Customers are expected to:

  1. Provide accurate information.
  2. Cooperate during investigations.
  3. Respond promptly to requests for additional information.
  4. Treat our staff respectfully throughout the complaint process.

4.10. Fraudulent Complaints

TopUpNG reserves the right to reject complaints that are fraudulent, misleading, abusive, or made in bad faith.

Where fraudulent conduct is identified, appropriate action may be taken, including account restriction or termination.


4.11. Policy Updates

This Policy may be amended from time to time. The latest version will always be available on our website.



SECTION 5


ACCEPTABLE USE POLICY


5.1. Purpose

This Acceptable Use Policy ("Policy") sets out the rules governing the use of TopUpNG's website, platform, applications, and services.

By using TopUpNG, you agree to comply with this Policy.


5.2. Lawful Use

You must use TopUpNG only for lawful purposes and in accordance with our Terms and Conditions.

You must not use our services in a manner that infringes the rights of others or interferes with the operation or security of the platform.


5.3. Prohibited Activities

Users must not:

(1)Fraud and Financial Crime

  1. Commit or attempt to commit fraud.
  2. Use stolen payment cards or bank accounts.
  3. Impersonate another person.
  4. Provide false registration information.
  5. Use another person's identity without authority.
  6. Engage in money laundering or any unlawful financial activity.

(2)Platform Abuse

You must not:

  1. Attempt unauthorised access to our systems.
  2. Probe, scan, or test the security of our platform without written permission.
  3. Introduce malware, viruses, ransomware, spyware, or other malicious code.
  4. Interfere with website performance or availability.
  5. Circumvent security measures.

(3)Automated Access

Unless expressly authorised by TopUpNG, users must not:

  1. Use bots or automated scripts to access our platform.
  2. Scrape, copy, or harvest website content.
  3. Attempt to overload or disrupt our servers.
  4. Reverse engineer or interfere with our software.

(4)Misuse of Promotions

Users must not:

  1. Create multiple accounts to obtain promotional benefits.
  2. Manipulate referral programmes.
  3. Abuse discounts, bonuses, cashback offers, or reward programmes.
  4. Engage in any activity designed to obtain unfair financial advantage.

(5)Illegal Activities

You must not use TopUpNG to facilitate or support:

  1. Fraudulent schemes.
  2. Identity theft.
  3. Terrorist financing.
  4. Unlawful gambling where prohibited by law.
  5. Any activity that violates Nigerian law.

5.4. Intellectual Property

Users may not reproduce, copy, modify, distribute, or commercially exploit any content, trademarks, logos, software, or materials belonging to TopUpNG without our prior written consent.


5.5. Security

Users are responsible for maintaining the confidentiality of their login credentials.

You must notify TopUpNG immediately if you suspect unauthorised access to your account.


5.6. Monitoring

To protect our customers and systems, TopUpNG may monitor platform usage, investigate suspected misuse, and take appropriate action where this Policy or applicable law is breached.


5.7. Enforcement

Where we reasonably believe that this Policy has been violated, TopUpNG may:

  1. Issue a warning.
  2. Suspend or restrict access to the platform.
  3. Cancel or decline transactions.
  4. Terminate an account.
  5. Remove promotional benefits obtained through misuse.
  6. Recover losses where permitted by law.
  7. Cooperate with banks, payment processors, regulators, or law enforcement agencies where required by law.

The action taken will depend on the nature and severity of the violation.


5.8. Reporting Misuse

If you become aware of any misuse of TopUpNG or suspect fraudulent activity, please report it to:

Email: topupng@digitalmediaplus.info

or through our customer support channels.


5.9. Changes to this Policy

TopUpNG may revise this Policy at any time. Updated versions will be published on our website.

Continued use of the platform after publication of any revisions constitutes acceptance of the updated Policy.



SECTION 6


WEBSITE DISCLAIMER

TopUpNG (topupng.biz)


6.1. General Information

The information, products, and services available on topupng.biz ("Website") are provided by TopUpNG for general informational and service purposes only.

While we strive to ensure that the information on this Website is accurate, complete, and up to date, TopUpNG makes no representation or warranty, express or implied, regarding the accuracy, reliability, completeness, or suitability of any information, products, or services available through this Website.

Your use of the Website and our services is at your own risk.


6.2. Service Availability

TopUpNG aims to provide reliable and uninterrupted access to its platform. However, we do not guarantee that the Website or any of our services will always be available, uninterrupted, secure, or error-free.

Service interruptions may occur due to:

  1. Scheduled maintenance
  2. Software upgrades
  3. Internet connectivity issues
  4. Power outages
  5. Failures of third-party providers
  6. Mobile network operator downtime
  7. Banking or payment gateway interruptions
  8. Circumstances beyond our reasonable control

TopUpNG shall not be liable for losses arising solely from such interruptions, except where required by applicable law.


6.3. Third-Party Service Providers

TopUpNG delivers certain services through licensed third-party providers, including but not limited to:

  1. Mobile network operators
  2. Electricity distribution companies
  3. Cable television providers
  4. Payment processors
  5. Banks
  6. Technology and cloud service providers

Accordingly:

  1. Successful payment does not always guarantee immediate service delivery where a third-party provider experiences delays or outages.
  2. TopUpNG is not responsible for service interruptions, delays, pricing changes, or technical failures attributable to third-party providers.
  3. We will make reasonable efforts to assist customers in resolving such issues where possible.

6.4. Pricing and Promotions

Prices, discounts, promotional offers, cashback programmes, and other incentives displayed on the Website are subject to change without prior notice.

TopUpNG reserves the right to:

  1. Modify pricing.
  2. Withdraw promotions.
  3. Correct pricing errors.
  4. Cancel offers that were published due to obvious technical or typographical errors.

6.5. Customer Responsibility

Customers are solely responsible for verifying all transaction details before confirming payment, including:

  1. Mobile phone numbers
  2. Mobile network selection
  3. Data bundle selection
  4. Electricity meter numbers
  5. Cable TV smart card numbers
  6. Transaction amounts

TopUpNG shall not be responsible for losses arising from incorrect information submitted by customers.


6.6. No Financial Advice

Nothing on this Website constitutes financial, investment, tax, legal, or professional advice.

Any information provided is intended solely to explain our products and services.

Customers should obtain independent professional advice where appropriate.


6.7. No Warranty

Except as required by applicable law, all services and content are provided on an "as is" and "as available" basis.

TopUpNG disclaims all warranties, whether express or implied, including but not limited to:

  1. Merchantability
  2. Fitness for a particular purpose
  3. Non-infringement
  4. Continuous availability
  5. Error-free operation

6.8. Limitation of Liability

To the fullest extent permitted by law, TopUpNG shall not be liable for any indirect, incidental, consequential, exemplary, or special damages arising from:

  1. Use or inability to use the Website.
  2. Delayed or failed transactions caused by third parties.
  3. Network failures.
  4. Internet disruptions.
  5. Loss of profits, business opportunities, goodwill, or data.
  6. Unauthorised access resulting from circumstances beyond our reasonable control.

Nothing in this Disclaimer excludes liability that cannot lawfully be excluded under Nigerian law.


6.9. External Links

Our Website may contain links to third-party websites or services.

These links are provided solely for convenience.

TopUpNG does not endorse or control third-party websites and is not responsible for their content, security, availability, products, services, or privacy practices.

Users access such websites at their own risk.


6.10. Intellectual Property

Unless otherwise stated, all content on this Website, including text, graphics, logos, icons, software, images, trademarks, and branding, is owned by or licensed to TopUpNG.

No part of the Website may be copied, reproduced, distributed, modified, or commercially exploited without our prior written permission.


6.11. Regulatory Status

TopUpNG is an online platform that facilitates access to digital products and services through authorised third-party providers.

Nothing on this Website should be interpreted as representing that TopUpNG is a licensed bank, licensed deposit-taking institution, or licensed payment service provider unless expressly stated.


6.12. Changes to this Disclaimer

TopUpNG reserves the right to amend this Disclaimer at any time.


Updated versions will be published on our Website and become effective upon publication.