Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your use of MinatPay, a digital payment platform operated by SMD Technologies Limited, a company incorporated under the Companies and Allied Matters Act (CAMA) of Nigeria. By accessing or using MinatPay, you confirm that you are at least 18 years of age and have the legal capacity to enter into a binding agreement.

2. Account Registration

To use our services, you must create an account. You agree to:

• Provide accurate, current, and complete registration information
• Maintain and promptly update your account information
• Keep your login credentials confidential and secure
• Notify us immediately at support@minatpay.com of any unauthorized account use
• Accept responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that provide false information or violate these Terms.

3. Services

MinatPay provides the following digital services:

• Virtual Top-Up (VTU) airtime for all Nigerian networks
• Internet data bundle purchases
• Electricity bill payments (prepaid tokens and postpaid bills)
• Cable TV subscriptions (DSTV, GOtv, Startimes)
• Reseller and API services for businesses

Service availability may vary and is subject to the availability of our third-party network and utility partners. MinatPay does not guarantee uninterrupted availability of any specific service.

4. Wallet & Payments

MinatPay operates a digital wallet system. The following terms apply:

• Wallet funds are not bank deposits and do not earn interest
• You may fund your wallet via bank transfer, debit card, or approved USSD codes
• Minimum and maximum transaction limits apply as displayed in the platform
• Wallet balances are non-transferable to other users except through designated service purchases
• Wallet funds may be withdrawn subject to applicable fees and verification requirements

5. Transaction Policy

All transactions on MinatPay are final once processed. However:

• If a transaction fails and your wallet is debited, the amount will be reversed within 24 hours
• Disputes must be reported within 7 days of the transaction date via our support channels
• Refunds for successfully delivered services are not permitted except in cases of verified platform error
• MinatPay is not responsible for delays caused by network operators or utility companies

6. Reseller Terms

Resellers using the MinatPay platform agree to:

• Use the platform only for lawful commercial purposes
• Not misrepresent MinatPay services or pricing to end customers
• Maintain appropriate KYC records for their customers as required by law
• Not engage in fraudulent activities or attempt to exploit pricing discrepancies
• Accept that reseller accounts may be suspended for violations without prior notice

7. Prohibited Activities

You agree not to:

• Use MinatPay for money laundering, fraud, or any illegal activity
• Attempt to circumvent security measures or access systems without authorization
• Create multiple accounts to exploit promotional offers
• Use automated tools, bots, or scripts to access the platform without our written consent
• Resell access to our API without an approved reseller agreement
• Harass, abuse, or threaten our staff or other users

8. Intellectual Property

All content on the MinatPay platform — including the MinatPay name, logo, design, code, and text — is the exclusive property of SMD Technologies Limited. You may not copy, reproduce, modify, or distribute any content without our express written permission.

9. Limitation of Liability

To the maximum extent permitted by Nigerian law, MinatPay and SMD Technologies Limited shall not be liable for:

• Any indirect, incidental, or consequential damages arising from your use of our services
• Loss of data, revenue, or business opportunities
• Service interruptions caused by network operators, DISCOs, or force majeure events
• Unauthorized access to your account due to your own negligence

Our maximum liability in any dispute shall not exceed the value of the disputed transaction.

10. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of Nigerian courts. MinatPay complies with CBN, NCC, and all applicable Nigerian regulatory frameworks.

11. Changes to Terms

We may revise these Terms at any time. We will notify users of material changes via email or in-app notification at least 14 days before the changes take effect. Continued use of MinatPay after changes constitutes acceptance.

12. Contact

For questions about these Terms, contact us at legal@minatpay.com or visit our Contact page.