Please read these terms carefully before using BudgetSub
1. 📌 Acceptance of Terms
By accessing or using BudgetSub ("the Platform"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use our services.
2. 🛒 Our Services
BudgetSub provides the following digital services:
Mobile data bundle purchases (MTN, Airtel, Glo, 9Mobile)
Airtime top-up for all networks
Cable TV subscription payments (DSTV, GOTV, Startimes)
Electricity bill payments (prepaid & postpaid)
Bulk SMS messaging
Airtime-to-cash conversion
Exam result checker (WAEC, NECO)
3. 💳 Wallet & Payments
All transactions are processed using your BudgetSub wallet balance.
Wallet funding is non-refundable once credited.
You are responsible for ensuring your wallet has sufficient funds before initiating any transaction.
We accept payments via Paystack and Flutterwave. All payment processing is subject to their respective terms.
We reserve the right to reverse transactions found to be fraudulent.
4. 🔁 Refund Policy
Successful transactions (where the service was delivered) are non-refundable.
If a transaction fails and your wallet was debited, the amount will be reversed within 24 hours.
For disputed transactions, contact support within 48 hours of the transaction.
Wallet funding refunds are handled at our discretion and subject to a processing review.
5. 🔐 Account Security
You are responsible for maintaining the confidentiality of your account credentials and transaction PIN.
Do not share your PIN, password, or OTP with anyone, including our staff.
Report any unauthorised access immediately via our support channels.
We will never ask for your password or PIN via phone, email, or chat.
6. 🚫 Prohibited Activities
You agree not to:
Use the platform for fraudulent or illegal activities
Attempt to hack, reverse-engineer, or disrupt the platform
Create multiple accounts to abuse bonuses or referral rewards
Use automated tools (bots) to interact with the platform
Resell services in violation of our reseller terms
Violation of these terms may result in immediate account suspension and forfeiture of wallet balance.
7. 🎁 Referral & Bonus Programme
Referral bonuses are credited only when the referred user funds their wallet and completes a transaction.
We reserve the right to modify or discontinue bonus programmes at any time.
Bonuses obtained through abuse or fraudulent referrals will be reversed.
7b. 🎰 Spin & Win, Prizes & Reward Engine
Prize eligibility: All prizes displayed on the Spin & Win wheel and dashboard are real and may be won by eligible users. Every prize is subject to qualification requirements which are clearly stated before and after spinning.
Qualification paths: Prize qualification is based on completing a minimum number of buy-data purchase transactions (airtime excluded), OR having a minimum number of successfully funded referrals — whichever path is completed first. Both paths are always displayed to the user.
Funding requirement: Wallet funding is always required to qualify for any prize, regardless of whether the prize threshold is set to zero. Funding via any supported method counts — Paystack, Flutterwave, bank/virtual account transfer, or admin credit. There are no exceptions to this rule.
Transaction count: The required number of buy-data/airtime transactions must be completed independently. Admin direct credits count toward wallet funding but do not count as purchase transactions. Only genuine data and airtime purchases count toward the transaction milestone.
Coupon issuance: When a spin prize is won, a coupon is issued and placed in pending status. The coupon remains pending until the user meets the stated transaction or referral requirement. Upon meeting requirements, the prize is credited automatically (if Auto-Issue is enabled) or after manual admin review within 24 hours.
Prize credit format: All prizes are issued as bonus wallet credit with an expiry period stated at the time of award. Bonus credit can only be spent on data, airtime, cable TV, electricity, or other services within the platform. Prizes cannot be withdrawn as cash and cannot be transferred to another account.
Prize pool: Prize payouts are drawn from a dedicated prize pool funded by BudgetSub. In the event of pool depletion, prize credits may be delayed until the pool is replenished. We will notify affected users.
Expiry: Unclaimed or unused prize credit expires after the stated number of days. Expired prizes cannot be reinstated under any circumstances.
Abuse & verification: We reserve the right to verify prize eligibility at any time. Prizes suspected of being won through fraudulent activity, multiple accounts, bots, or manipulation of platform mechanics will be cancelled and the account suspended.
Programme changes: Prize structures, thresholds, and reward terms may be updated at any time without prior notice. Changes do not affect prizes already won and in pending status at the time of the change.
No guarantees: The Spin & Win wheel is an engagement reward feature. Participation does not guarantee any specific prize. Wheel outcomes for prizes above the cash threshold are subject to our coupon approval process.
7c. 🪪 NIN / BVN Verification Services
NIN and BVN verification is provided in partnership with a licensed third-party API under the NIMC Act 2007 and Nigeria Data Protection Regulation (NDPR).
Consent is mandatory: You must confirm you have obtained the data subject's explicit consent before initiating any NIN or BVN lookup. This is a legal requirement under Section 26 of the NIMC Act.
Verification results are retrieved from official government databases. BudgetSub does not generate, alter, or store any identity data beyond the transaction record.
Each verification query is charged from your wallet. Queries are non-refundable once submitted, regardless of the result.
You agree not to use this service for fraud, impersonation, identity theft, data harvesting, or any unlawful purpose. Violation may result in permanent account suspension and referral to law enforcement including NIMC, NDPC, and EFCC.
All use of NIN/BVN data obtained through this platform must comply with the NDPR 2019 and Nigerian Cybercrime Act 2015.
7d. 📡 Smile Network, SMM, Virtual Numbers & Other Digital Services
Smile Network: Smile internet data top-ups require a valid Smile account email. Delivery is handled via VTpass. Once submitted and verified, transactions are non-refundable.
SMM (Social Media Marketing): Social media service orders (followers, views, likes) are delivered by a third-party SMM provider. Delivery times vary. Orders cannot be cancelled once submitted to the provider. Results may fluctuate due to platform algorithm changes beyond our control.
Virtual Numbers: Temporary numbers are rented for OTP/SMS verification purposes. Numbers expire after the stated rental period. We are not responsible for SMS non-delivery caused by the recipient platform blocking virtual numbers.
All digital services are provided on an "as-is" basis subject to third-party provider availability.
8. ⚠️ Limitation of Liability
BudgetSub acts as an intermediary reseller. We are not liable for:
Delays or failures caused by the network operators or API providers
Service outages beyond our control
Loss of data or profits arising from service interruptions
Our maximum liability in any case shall not exceed the amount of the failed transaction.
9. 🔄 Changes to Terms
We may update these terms at any time. Continued use of the platform after changes constitutes acceptance of the new terms. We will notify users of significant changes via email or an in-app announcement.
