Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using the SUBMEANS platform (website, mobile interfaces, or API), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services.

2. Description of Services

SUBMEANS operates a telecommunications and digital utilities value-added platform providing:

• Instant Airtime Top-up (MTN, Airtel, Glo, 9mobile).
• Data Bundle Subscriptions (SME, Corporate Gifting, Direct Gifting).
• Electricity Bill Payments for all licensed Nigerian DISCOs.
• Cable Television Subscription Renewals (DSTV, GOTV, StarTimes, Showmax).
• Educational Examination Result Checking Tokens (WAEC, NECO, NABTEB, JAMB).
• Recharge Card Printing & Bulk SMS Services.

3. User Registration & Security

To utilize our transaction facilities, you must register a secure account providing your authentic full name, verified email address, and active Nigerian phone number. You are solely responsible for safeguarding your login credentials, transaction PIN, and API tokens. SUBMEANS will never ask for your password or PIN via phone or email.

4. Wallet Funding, Pricing & Payments

Wallet balances can be funded using approved payment channels including automated bank transfer accounts, debit cards, and authorized third-party gateways (e.g., Paystack).

• Product prices are subject to telecom operator tariff adjustments and will always reflect live on our platform prior to purchase completion.
• All transactions are debited instantly from your wallet balance upon order confirmation.
• Ensure the recipient phone number, smartcard/meter number, or exam type entered is 100% accurate before confirming.

5. Refund and Failed Transaction Policy

Due to the instant and automated nature of digital refills:

If you supply an incorrect recipient phone number or meter number and value is successfully delivered to that third party, SUBMEANS cannot reverse or recover the dispatched digital value.

6. Prohibited Activities

Users agree not to use SUBMEANS for:

• Money laundering, fraudulent card use, or unauthorized financial transactions.
• Automated bot attacks, scraping, or exploiting API vulnerabilities.
• Harassment or fraudulent misrepresentation of the SUBMEANS brand.

Any account found violating these rules will be permanently terminated and reported to relevant law enforcement agencies in Nigeria.

7. Service Availability & Disclaimers

While we maintain 99.9% uptime with automated redundant fallback servers, services may occasionally experience delays caused by upstream telecom carrier maintenance (MTN, Airtel, Glo, 9mobile) or national electricity distribution grid downtimes.

8. Contact & Customer Support

If you have questions regarding these Terms or require transaction assistance: