Terms & Conditions
Effective date: 18 Oct 2026 · Location: Nigeria
These Terms form a legally binding agreement between you and JeayData ("JeayData", "we", "us", "our").
By creating an account or using our services, you accept these Terms in full.
If you do not agree, please do not use the platform.
1. Definitions
- "Services" means our Virtual Top-Up (VTU) and related services, including airtime, data bundles, cable TV subscriptions, electricity bill payments, recharge card PINs, bulk SMS, and wallet management.
- "Wallet" means your JeayData prepaid balance used to pay for orders on the platform.
- "Order" means any purchase request you submit for a product or service through the platform.
- "Third-Party Provider" means external telecommunications networks, payment processors, or service partners used to fulfil your orders.
- "You" / "User" means any person who registers for or uses JeayData.
2. Eligibility & Account
- You must be at least 18 years old and legally capable of entering a binding contract.
- You are responsible for maintaining the confidentiality of your login credentials and transaction PIN. Do not share them with anyone.
- You must provide accurate, complete, and up-to-date registration information. You are responsible for all activity that occurs under your account.
- You may only maintain one account per person. Creating multiple accounts to exploit bonuses, limits, or controls is prohibited.
- We reserve the right to decline, suspend, or close accounts at our discretion for risk or policy reasons.
3. KYC/AML & Verification
- We may request identity verification - such as a government-issued ID - in line with applicable regulations and our risk policies.
- We may place transaction limits or hold funds pending verification or investigation of suspicious activity.
- We cooperate fully with lawful requests from Nigerian regulatory authorities and law enforcement agencies.
- Providing false documentation during verification constitutes fraud and will result in immediate account termination and referral to authorities.
4. Wallet, Funding & Withdrawals
- Your wallet balance is held to facilitate purchases on JeayData and does not constitute a bank deposit, investment, or interest-bearing account.
- Wallet funding is available via bank transfer, virtual account, and supported payment methods. Applicable fees, if any, are shown at checkout.
- Failed transactions are automatically reversed to your wallet. Timelines may vary depending on the payment method and provider.
- We may delay or reverse wallet credits in the event of a chargeback, payment dispute, fraud investigation, or processor reversal.
- Your referral earnings can be transferred to your main wallet once the minimum threshold is met. See Section 9 for referral-specific terms.
- Dormant or inactive wallet balances may be handled in accordance with applicable laws and our internal policy.
5. Pricing, Fees & Taxes
- Prices are displayed at the point of purchase and may change at any time due to provider rates or operational adjustments.
- Promotional offers are discretionary, may be withdrawn at any time, and may carry eligibility conditions.
- You are responsible for any applicable taxes or levies arising from your use of our services.
6. Orders, Fulfilment & Network Availability
- Orders are fulfilled through Third-Party Providers. Delivery may be affected by network congestion, provider outages, or scheduled maintenance.
- Orders showing a "pending" status are queued and will typically complete automatically once the provider confirms delivery.
- We may cancel or refund orders where fulfilment fails due to provider unavailability, stock issues, or system errors.
- Full order history is available in your transaction dashboard for reference and download.
7. Refunds, Reversals & Chargebacks
- Where an order fails and no value is delivered, your wallet will be refunded automatically. Where a card or bank payment was involved, we will process the refund to the original payment method where applicable.
- Refund timelines depend on your payment method and the policies of our payment partners.
- Raising an unauthorised chargeback or payment dispute while your wallet has already been credited or a service delivered may lead to account suspension and recovery action.
- We do not offer refunds for successfully completed transactions where the correct details were entered by the user.
8. Prohibited Uses
You must not use JeayData for any of the following:
- Fraud, identity theft, money laundering, carding, or any unlawful activity
- Funding your wallet using stolen, disputed, or unauthorised payment instruments
- Creating multiple accounts to bypass transaction limits, risk controls, or referral policies
- Attempting to access, probe, or interfere with the platform's systems or data
- Automated scraping, bulk querying, or abuse of our infrastructure
- Any activity that violates the laws of the Federal Republic of Nigeria or applicable international regulations
Violations may result in immediate suspension, forfeiture of wallet balance, and referral to relevant authorities.
9. Product-Specific Terms
- Airtime & Data: Ensure the phone number and network are correct before confirming. Once the network provider confirms delivery, the transaction cannot be reversed.
- Cable TV: Verify your smartcard or IUC number before subscribing. Tokens and subscription confirmations are generated by the provider; brief delays may occur during peak periods.
- Electricity: Verify your meter number and DisCo before confirming payment. Tokens are generated by the relevant DisCo; we are not responsible for delays caused by DisCo system downtime.
- Recharge Card PINs: PINs are generated and delivered digitally. Once issued, they cannot be refunded unless the PIN is confirmed invalid by the provider.
- Bulk SMS: You are responsible for ensuring your messages comply with Nigerian telecommunications regulations. We reserve the right to decline to send messages that are abusive, deceptive, or unlawful.
- Referral Programme: Referral earnings are credited automatically when your referred users make qualifying transactions. Self-referrals or manipulation of the referral system will result in forfeiture of earnings and account suspension. We may adjust referral terms at any time with notice posted on the platform.
10. Privacy & Data Protection
We collect and process your personal data in accordance with our Privacy Policy and applicable Nigerian data protection laws, including the NDPR. We recommend you read the Privacy Policy before using the platform.
By using JeayData, you consent to receiving communications related to your account, security, transactions, and important service updates.
11. Security
- Use a strong, unique password for your account. Never share your password or transaction PIN with anyone - including JeayData staff, who will never ask for them.
- Contact our support team immediately if you suspect unauthorised access to your account or any suspicious activity.
- We apply reasonable technical and organisational measures to protect the platform and your data. However, no online service can guarantee absolute security.
12. Intellectual Property
- All platform content, branding, software, and design are owned by JeayData or its licensors.
- You may not copy, reproduce, modify, distribute, or create derivative works from any part of the platform without our prior written permission.
13. Disclaimers & Liability
- Services are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted, error-free operation.
- To the fullest extent permitted by Nigerian law, JeayData is not liable for indirect, incidental, or consequential losses arising from your use of the platform.
- Our total liability for any claim is limited to the amount paid for the affected order in the 30 days prior to the claim.
- We are not responsible for delays or failures caused by third-party network providers, DisCos, or circumstances beyond our control.
14. Suspension & Termination
- We may suspend or terminate account access where we have reasonable grounds to believe a user has violated these Terms, engaged in fraud, or poses a risk to the platform or other users.
- Where suspension is due to confirmed fraud or policy violation, associated wallet funds may be withheld in line with our legal obligations.
- For suspensions not related to fraud, you may contact our support team to appeal. We aim to respond within a reasonable timeframe.
- You may close your account at any time by contacting support. Closure does not entitle you to a cash refund of wallet funds but outstanding eligible balances may be processed in line with our policy.
- We will retain records as required by applicable law following account closure.
15. Governing Law & Dispute Resolution
- These Terms are governed by the laws of the Federal Republic of Nigeria.
- In the event of a dispute, we encourage you to contact us first so we can resolve it informally. Most issues can be resolved quickly through our support team.
- If a dispute cannot be resolved amicably within 30 days, it may be referred to arbitration in Nigeria, conducted in English, before a single arbitrator under applicable rules.
- Nigerian courts have exclusive jurisdiction for injunctive or enforcement relief.
16. Changes to These Terms
We may update these Terms from time to time. Material changes will be communicated through the platform or by email where possible. Continued use of JeayData after changes are posted means you accept the updated Terms.
For questions, concerns, or disputes regarding these Terms: