1. About Billturex
Billturex is a digital financial-services platform operated by Billturex Technologies. We provide multi-currency wallets, dedicated virtual accounts, bill payments (airtime, data, electricity, TV, betting, exam pins), gift-card trading, and cryptocurrency deposit and transfer services in partnership with licensed payment processors and aggregators.
2. Acceptance of terms
By creating an account or using any Billturex feature you confirm that you have read, understood, and agreed to these Terms, our Privacy Policy, AML/KYC Policy, and every other policy referenced in the app. If you do not agree with any part, you must stop using the service and close your account.
3. Eligibility
You must be at least 18 years old, legally competent to enter into a binding contract, and permitted to use financial services in your country of residence. You must provide accurate personal information and update it whenever it changes. Accounts opened with false or misleading information will be closed and funds may be held pending investigation.
4. Your account
You are solely responsible for the security of your email, password, transaction PIN, biometric factors, and any device used to access Billturex. Do not share your credentials with anyone, including anyone claiming to work for Billturex. Notify support@billturex.com immediately if you suspect unauthorised access.
5. Wallet and virtual accounts
Your Naira wallet is funded from your bank account, dedicated virtual account, or debit card. Funds credited to your wallet are held in a designated pooled account at a partner bank and are not investment products. Wallet balances do not earn interest unless expressly stated in a specific product.
6. Transactions and fees
All fees are displayed at the point of transaction before you authorise. Third-party costs charged by telcos, discos, TV providers, betting platforms, card networks, or blockchain networks are passed through transparently. Currency conversion, where offered, uses the mid-market rate plus a disclosed spread.
7. Transaction PIN authorisation
Sensitive actions — payments, transfers, withdrawals, adding new destinations — require your 4-digit transaction PIN. Any transaction authorised with a correct PIN is treated as authorised by you. If your PIN is compromised, use Forgot PIN in the app to reset it immediately.
8. Prohibited use
You may not use Billturex to launder money, finance terrorism, evade sanctions, commit fraud, operate an unlicensed gambling or lending business, purchase weapons or controlled substances, or engage in any activity prohibited by Nigerian law or the laws of your jurisdiction. Prohibited use will result in account termination and, where required, referral to law-enforcement.
9. Suspension and termination
We may suspend, freeze, or terminate your account (in whole or in part) at any time if we reasonably believe you have breached these Terms, our AML/KYC obligations, or applicable law; if required by a regulator or court; or to protect other users. Where legally permitted we will notify you.
10. Third-party services
Billturex integrates with licensed partners including Paystack (payments and virtual accounts), VTpass (bill aggregation), card-issuing partners (virtual cards), and blockchain networks (crypto). Their terms and fees may also apply to transactions routed through them.
11. Limitation of liability
To the maximum extent permitted by law, Billturex is not liable for indirect, incidental, or consequential losses. Our total liability for any incident is capped at the balance in your wallet at the time of the incident, except where a higher amount is required by mandatory law.
12. Changes
We may update these Terms from time to time. Material changes will be notified in-app or by email at least seven (7) days before they take effect. Continued use of the service after the effective date constitutes acceptance.
13. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be resolved by the courts of Lagos, without prejudice to any mandatory consumer-protection right you may have in your country of residence.
14. Contact
Support: support@billturex.com. Complaints: complaints@billturex.com. Legal notices: legal@billturex.com.
This document is informational and does not constitute legal advice. In case of conflict, the version filed with regulators prevails.