Terms and Conditions

1. Acceptance of Terms

By accessing and using Setubills ("the Service"), you accept and agree to be bound by the terms and provisions of this agreement. If you do not agree to these terms, please do not use our services.

2. Description of Service

Setubills provides virtual top-up (VTU) services including but not limited to:

• Mobile airtime recharge
• Data bundle purchases
• Cable TV subscription
• Electricity bill payments
• Education result checker services
• Bulk SMS services
• Betting wallet funding

3. Account Registration

3.1 Eligibility

You must be at least 18 years old or have parental consent to use our services. By registering, you confirm that all information provided is accurate and complete.

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use
• Keeping your 4-digit transaction PIN secure

3.3 Account Information

You agree to provide accurate information including:

• Full name
• Valid email address
• Phone number
• Username (unique identifier)

4. Wallet and Payments

4.1 Wallet Funding

All transactions require sufficient wallet balance. You can fund your wallet through approved payment methods including bank transfers and automated payment gateways.

4.2 Transaction Processing

• Transactions are processed in real-time or near real-time
• Failed transactions will be refunded to your wallet within 24-48 hours
• Transaction fees (if any) are clearly displayed before confirmation
• All transactions are logged for verification and dispute resolution

4.3 Refund Policy

Refunds are processed only in the following cases:

• Failed transactions where value was not delivered
• System errors resulting in double charges
• Service provider failures confirmed by our support team

Refunds are credited to your wallet balance within 24-48 hours of verification. Successfully delivered services are non-refundable.

5. Service Usage

5.1 Acceptable Use

You agree not to:

• Use the service for any illegal purposes
• Attempt to gain unauthorized access to our systems
• Exploit bugs or vulnerabilities for personal gain
• Automate requests in a manner that burdens our infrastructure
• Resell services without proper authorization
• Share API keys or account credentials with third parties

5.2 Service Limitations

• Daily transaction limits may apply based on account type
• Some services may have minimum/maximum purchase amounts
• Service availability depends on upstream provider status
• We reserve the right to decline suspicious transactions

6. API Services

6.1 API Access

Developer API access is available for qualified accounts. By using our API, you agree to:

• Keep your API keys secure and confidential
• Implement proper error handling and retry logic
• Respect rate limits and usage quotas
• Properly attribute our service in your application

6.2 API Restrictions

API keys may be revoked if:

• Excessive failed requests indicate abuse
• Rate limits are consistently exceeded
• Security vulnerabilities are detected in your implementation
• Terms of service are violated

7. Pricing and Discounts

Service prices are subject to change based on:

• Network provider pricing adjustments
• Exchange rate fluctuations (for international services)
• Government taxes and regulatory fees

Discounts may be applied based on transaction volume, account type, or promotional campaigns. Discount rates are displayed in your account dashboard.

8. Referral Program

Our referral program allows you to earn commissions by referring new users. Terms include:

• Referral bonuses are credited after successful registration and first transaction
• Referral earnings are separate from main wallet balance
• Minimum withdrawal thresholds may apply
• Fraudulent referral activities result in account suspension

9. Data Security and Privacy

We implement industry-standard security measures including:

• 256-bit SSL/TLS encryption for all communications
• Encrypted storage of sensitive data
• Regular security audits and penetration testing
• Secure session management with CSRF protection
• Two-factor authentication options

For detailed information, please review our Privacy Policy.

10. Intellectual Property

All content, trademarks, logos, and intellectual property on this platform are owned by Setubills or our licensors. Unauthorized use, reproduction, or distribution is prohibited.

11. Service Availability

While we strive for 99.9% uptime, we do not guarantee uninterrupted service. Downtime may occur due to:

• Scheduled maintenance (with advance notice)
• Emergency system updates
• Third-party service provider outages
• Force majeure events

12. Limitation of Liability

Setubills shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Third-party service provider failures
• Network operator service disruptions
• User errors in transaction details (wrong phone numbers, etc.)

Our maximum liability is limited to the amount of the specific transaction in dispute.

13. Account Suspension and Termination

13.1 Suspension

We may suspend your account if:

• Suspicious or fraudulent activity is detected
• Terms of service violations occur
• Outstanding disputes require investigation
• Legal or regulatory requirements mandate suspension

13.2 Termination

We reserve the right to terminate accounts that:

• Repeatedly violate terms of service
• Engage in fraudulent activities
• Remain inactive for extended periods (as defined in our policy)

Upon termination, remaining wallet balance may be refunded after deducting applicable fees and charges.

14. Dispute Resolution

For transaction disputes:

1. Contact our support team within 7 days of the transaction
2. Provide transaction reference and supporting evidence
3. Allow 3-5 business days for investigation
4. Accept our resolution decision or escalate through legal channels

15. Compliance and Legal

This service operates in compliance with:

• Nigerian Communications Commission (NCC) regulations
• Central Bank of Nigeria (CBN) payment service guidelines
• Data Protection Regulation (NDPR) requirements
• Anti-Money Laundering (AML) legislation

16. Changes to Terms

We reserve the right to modify these terms at any time. Significant changes will be communicated via:

• Email notification to registered users
• In-dashboard announcements
• Website banner notifications

Continued use after changes constitutes acceptance of the new terms.

17. Governing Law

These terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of Nigeria.

18. Contact Information

For questions about these terms, contact us at:

• Email: setubillsinfo@gmail.com
• Phone: 09134512038
• Address: 18 God Grace Avenue Abule Ogunru Mowe, Ogun State