Terms of Service

1. About these terms

These Terms form an agreement between you and Billy Internet Solutions, a Nigerian registered business name (BN 9037366), when you access or use Billy's website, web application, Android application, iOS application, or related services.

By creating an account or using Billy, you agree to these Terms, our Privacy Policy, Acceptable Use Policy, and any service-specific terms shown before you confirm a transaction. If you do not agree, do not use Billy.

2. Eligibility and your account

• You must be at least 18 years old and legally able to enter a contract.
• You must provide accurate, current information and use an account that belongs to you.
• You are responsible for protecting your password, transaction PIN, device, and any biometric access you enable.
• Tell us promptly at support@billyapp.org if you suspect unauthorized use.
• You may not sell, rent, transfer, or create accounts for another person.

We may request information needed to prevent fraud, meet legal obligations, resolve a disputed transaction, or verify eligibility. Tier-1 identity verification currently gates crypto transaction actions and gift-card selling. It does not ordinarily gate wallet funding, bill payment, gift-card browsing or buying, or prepaid-card buying, unless law or a verified provider requirement changes.

3. Billy services

Bills

You may purchase supported airtime and data, pay supported electricity bills, or renew supported television services. Enter the correct phone number, meter number, smart-card number, plan, and other details before confirming.

Gift cards and prepaid virtual cards

You may buy supported gift cards and prepaid virtual cards or submit eligible gift cards for sale. A card you submit must belong to you, be lawfully obtained, remain valid, and match the information and evidence you provide. Quotes may change until an order is confirmed.

Crypto services

Supported buy, sell, send, or receive options may vary by asset, network, location, and provider. Crypto values can change rapidly. Billy does not provide investment, tax, or legal advice. You are responsible for checking the asset, network, address, amount, quote, and fee before confirming.

Foreign numbers and social services

Foreign numbers are temporary digital services for lawful supported uses. Delivery windows and message availability may vary. Social-media services must be used only for accounts or content you are authorized to manage and must comply with the relevant platform's rules.

4. Prices, wallet, and transactions

• Amounts are shown in the stated currency. The price, fee, rate, limits, and expected delivery shown on the final confirmation screen apply to that request.
• Your Billy wallet is a transactional balance for accessing Billy services. It is not a bank account, savings product, or investment.
• We may reserve funds while a transaction is pending. A reservation is not a second charge.
• Do not repeat a pending request. Billy uses unique references and reconciliation to determine the final outcome.
• A displayed balance or status may be corrected if a provider, bank, network, or reconciliation record proves it inaccurate.

Refund and cancellation outcomes depend on the service, transaction stage, provider response, and applicable law. See our Refund and Cancellation Policy. Nothing in these Terms removes a consumer right that cannot lawfully be excluded.

5. Acceptable use, reviews, and restrictions

You must comply with our Acceptable Use Policy. We may delay, reject, restrict, or review a request when reasonably necessary to prevent fraud, protect users, comply with law, respond to a provider or network restriction, or investigate an error. Where appropriate, we will explain the status and any next step.

We may suspend or close an account for a material or repeated breach, unlawful use, fraud, sanctions risk, account compromise, or a legal requirement. We will act fairly and provide notice where it is lawful and reasonably possible.

6. Availability and responsibility

We work to provide accurate information and timely service, but provider systems, banks, blockchains, telecommunications networks, and third-party platforms can fail or delay. We do not promise uninterrupted availability or a specific completion time unless we expressly state one for the confirmed order.

To the fullest extent permitted by law, neither party is responsible for indirect or consequential loss that was not reasonably foreseeable. Billy remains responsible for obligations that cannot legally be limited, including liability arising from fraud, gross negligence, or consumer protections that apply to you.

You remain responsible for losses caused by incorrect recipient details, wallet addresses, networks, account identifiers, or unlawful instructions you supplied, except to the extent Billy caused or should reasonably have prevented the loss.

7. Changes, termination, and complaints

We may update these Terms for legal, security, operational, or service changes. Material changes will be presented in Billy or communicated through an appropriate channel, and a new acceptance may be requested before continued use.

You may stop using Billy at any time and request account deletion through our deletion page. Some transaction and identity records may be retained where required for fraud prevention, dispute handling, accounting, or legal compliance.

These Terms are governed by the laws of the Federal Republic of Nigeria. Please contact us first so we can investigate a complaint. This does not prevent you from exercising applicable rights or contacting a competent regulator or court.