Terms & Conditions

By creating an account or using the TapNaija VTU app you agree to these terms. Please read them carefully. If you do not agree, do not use the app.

1. Eligibility and your account

You must be at least 18 years old and provide accurate, current information. You are responsible for everything done through your account.

Keep your password and transaction PIN private. Tell us immediately if you think someone else has access.

2. Services

The app lets you buy airtime, data, cable TV subscriptions, electricity tokens and exam PINs, fund your wallet and convert airtime to cash where available.

Services depend on third-party networks and providers. We do not guarantee that a provider will always be available.

3. Wallet and funding

Funds are held in your in-app wallet and can be used only for purchases in the app. Wallet funding through your dedicated bank account may attract a gateway charge, shown to you in the app.

Payments made to the wrong account or outside the app are not our responsibility.

4. Prices and orders

Prices and discounts may change without notice. The price shown at confirmation is the price you pay.

Check the phone number, meter number or smartcard number before you pay. Delivery to a wrongly entered number cannot be reversed.

5. Failed transactions and refunds

If a purchase fails, the amount is returned to your wallet. Pending transactions are normally completed or refunded automatically. If something looks wrong, use Help or Report Issue with your transaction reference.

6. Verification (KYC)

We may ask you to verify your identity to raise limits or to comply with the law. We may limit or suspend an account that fails verification or that we reasonably believe is being used for fraud.

7. Acceptable use

You agree not to use the app for fraud, money laundering, resale that breaks provider rules, abuse of promotions or referral bonuses, attempts to hack or disrupt the service, or any unlawful purpose.

8. Suspension and closing your account

We may suspend or close an account that breaks these terms. You can ask us to close your account at any time from Profile > Delete My Account. Any remaining wallet balance must be withdrawn or used first.

9. Liability

To the extent the law allows, we are not liable for delays or failures caused by network, provider or bank outages, or for losses caused by incorrect details you enter or by sharing your PIN or password.

10. Changes and governing law

We may update these terms. Continuing to use the app after a change means you accept it. These terms are governed by the laws of the Federal Republic of Nigeria.