Terms of Service
Effective Date: 1 July, 2026
These Terms and Conditions apply to you, the user of the AirtimeFlip website and mobile application, and AirtimeFlip Technology Limited (the "Company", "Owner", "We", "Us", or "Our"), the owner and operator of the AirtimeFlip website, mobile application, and related services (collectively referred to as the "Platform").
PLEASE READ THESE TERMS CAREFULLY AS THEY AFFECT YOUR LEGAL RIGHTS.
By accessing, registering on, or using AirtimeFlip, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions.
1. Definitions
For the purpose of these Terms:
“Account” means a registered AirtimeFlip user profile created for accessing the Services.
“Affiliate Services" means products or services provided through third-party partners integrated into the Platform.
“Applicable Laws” means all laws, regulations, directives, guidelines, regulatory frameworks, and government requirements applicable within Nigeria and any other relevant jurisdiction.
“Content” means all text, graphics, logos, images, software, code, videos, designs, trademarks, service marks, and materials available on the Platform.
“Digital Products” means airtime, data subscriptions, utility bill payments, gift cards, vouchers, eSIMs, international airtime, betting wallet funding, and any other digital services offered through the Platform.
“KYC” means Know Your Customer verification procedures required by law or Company policy.
“Platform” means the AirtimeFlip website, mobile application, APIs, software, systems, portals, and associated digital infrastructure.
“Services” means all products and services made available through the Platform.
“User, You, or Your” means any individual, business, entity, or organisation accessing or using the Platform.
“Wallet” means any electronic balance or stored value account made available through the Platform, whether directly or through an authorised third-party provider.
2. About AirtimeFlip
AirtimeFlip is a digital platform that provides various technology-enabled services including but not limited to:
- A. Airtime to Cash Conversion;
- B. Airtime Top-Up Services;
- C. Data Subscription Services;
- D. Utility Bill Payments;
- E. Cable Television Subscription Payments;
- F. Gift Card Transactions;
- G. eSIM Services;
- H. International Airtime and Data Top-Ups;
- I. Betting Wallet Funding Services;
- J. Bulk Airtime Top-Ups;
- K. WAEC ePIN Purchases;
- L. Electricty Bill Payments;
- M. Any other services introduced from time to time.
The Platform may engage authorised third-party service providers, payment processors, telecommunications providers, financial institutions, and technology partners in delivering its Services.
Nothing in these Terms shall be construed as creating a partnership, joint venture, agency relationship, or employment relationship between the User and the Company.
3. Agreement
3.1 By accessing or using the Platform, You acknowledge that You have carefully reviewed these Terms and agree to be legally bound by them.
3.2 If You do not agree with any part of these Terms, You must immediately discontinue the use of the Platform.
3.3 Your continued use of the Platform constitutes acceptance of any amendments, updates, modifications, or revisions made to these Terms.
3.4 By creating an account or using any Service, You represent and warrant that:
- A. You possess the legal capacity to enter into binding agreements;
- B. All information provided by You is accurate, complete, and current;
- C. You will comply with all applicable laws and regulations.
4. Eligibility
4.1 The Platform is intended only for persons who are legally capable of entering into binding contracts.
4.2 Users must be at least 18 YEARS to independently create and operate an account.
4.3 If the Company permits users below the age of eighteen (18), such usage shall be subject to parental or guardian consent and supervision.
4.4 The Company reserves the right to request proof of age at any time.
4.5 The Company may suspend or terminate accounts where it reasonably believes that age requirements have not been satisfied.
5. User Account Registration
5.1 Access to certain Services requires account registration.
5.2 During registration, You may be required to provide:
- A. Username;
- B. Email Address;
- C. Telephone Number;
- D. Government-Issued Identification (where applicable);
- E. NIN (where applicable)
- F. BVN (where applicable); and
- G. Any additional information required by law or Company policy.
5.3 You warrant that all information supplied is accurate and complete.
5.4 You are solely responsible for maintaining the confidentiality of Your login credentials.
5.5 You shall immediately notify the Company if your account is compromised; unauthorised access occurs; or you suspect fraudulent activity.
5.6 The Company shall not be liable for losses arising from Your failure to safeguard account credentials.
5.7 The Company reserves the right to reject any registration application without assigning any reason.
6. Know Your Customer (KYC) And Verification
6.1 The Company reserves the right to verify the identity of any User.
6.2 Verification may include:
- A. Phone verification;
- B. Email verification;
- C. BVN verification;
- D. NIN verification;
- E. Government-issued ID verification;
- F. Selfie verification;
- G. Facial recognition verification;
- H. Address verification; and
- I. Any additional compliance procedures.
6.3 Certain Services may not be available until verification is completed.
6.4 The Company reserves the right to place restrictions on accounts pending successful verification.
6.5 The Company may share verification information with authorised third-party verification providers, regulators, law enforcement agencies, and compliance partners where required by law.
7. Acceptable Use
You agree to use the Platform solely for lawful purposes.
You agree that You shall:
- A. provide accurate information;
- B. comply with all applicable laws;
- C. use the Platform responsibly;
- D. cooperate with verification requests;
- E. respect the rights of other users;
- F. use the Platform only for legitimate transactions.
The Company may monitor Platform usage to ensure compliance with these Terms.
8. Prohibited Activities
You shall not:
- A. engage in fraud or attempted fraud;
- B. engage in money laundering;
- C. provide false identity information;
- D. use stolen payment instruments;
- E. conduct unauthorised chargebacks;
- F. engage in account farming;
- G. create multiple accounts for abuse of promotions;
- H. exploit pricing errors;
- I. reverse engineer the Platform;
- J. upload malicious software;
- K. interfere with Platform operations;
- L. use bots, scripts, scrapers, crawlers, or automated systems without authorisation;
- M. impersonate another person;
- N. engage in terrorist financing activities;
- O. violate sanctions laws;
- P. engage in phishing activities;
- Q. exploit vulnerabilities or security weaknesses;
- R. attempt unauthorised access to any account, server, or database;
- S. use the Platform for illegal betting, gambling, cybercrime, or criminal activities;
- T. engage in any conduct that may expose the Company to legal, regulatory, reputational, or financial risk.
Violation of this section may result in immediate suspension, termination, reporting to law enforcement, and legal proceedings.
9. Wallet Services
9.1 Where wallet functionality is provided, Users may maintain balances within their accounts.
9.2 Wallet services may be operated directly by the Company or through licensed third-party providers.
9.3 Wallet balances do not constitute bank deposits.
9.4 Wallet balances shall not attract interest unless expressly stated.
9.5 The Company reserves the right to impose Transaction limits; Withdrawal limits; Verification requirements; and Compliance restrictions.
9.6 The Company may freeze, restrict, or place holds on wallet balances where:
- A. fraud is suspected;
- B. chargebacks occur;
- C. regulatory investigations arise;
- D. suspicious transactions are detected;
- E. court orders are received;
- F. compliance obligations require such action.
9.7 Users acknowledge that wallet services may occasionally experience delays due to maintenance, third-party failures, telecommunications disruptions, or regulatory requirements.
10. Airtime- To- Cash Services
10.1 AirtimeFlip may provide airtime conversion services whereby eligible airtime credits are exchanged for monetary value subject to applicable fees.
10.2 Users are responsible for ensuring that airtime transfers are sent correctly.
10.3 Airtime transfers made to incorrect numbers may not be recoverable.
10.4 Airtime conversion requests remain subject to verification procedures.
10.5 The Company reserves the right to reject airtime conversion requests where:
- A. fraud is suspected;
- B. suspicious activity is detected;
- C. the airtime source cannot be verified;
- D. technical issues occur;
- E. regulatory requirements prevent processing.
10.6 Conversion rates may vary and may be adjusted without prior notice.
10.7 Completion times are estimates only and are not guaranteed.
10.8 The Company shall not be liable for losses arising from network failures, telecommunications provider issues, incorrect airtime transfers, regulatory actions, force majeure events, or circumstances beyond its reasonable control.
10.9 Airtime conversion transactions may be subject to additional verification, review, or investigation before payment is released.
11. Airtime Purchase Services
11.1 AirtimeFlip enables Users to purchase airtime from supported telecommunications networks through the Platform.
11.2 Airtime purchases shall be processed based on information supplied by the User.
11.3 Users are solely responsible for ensuring that:
- A. the recipient telephone number is correct;
- B. the selected network provider is correct;
- C. the airtime amount is accurate.
11.4 Airtime purchases successfully delivered to the designated telephone number shall be deemed completed and non-refundable except where otherwise required by applicable law.
11.5 AirtimeFlip shall not be liable for losses arising from:
- A. incorrect telephone numbers;
- B. incorrect network selection;
- C. network provider failures;
- D. delayed delivery caused by third-party service providers.
11.6 AirtimeFlip reserves the right to refuse, suspend, or reverse any airtime transaction where fraud, abuse, or suspicious activity is suspected.
12. Data Subscription Services
12.1 AirtimeFlip may offer data subscription services from various telecommunications providers.
12.2 Data plans available on the Platform are subject to change by the relevant network operators without prior notice.
12.3 Users acknowledge that AirtimeFlip does not control:
- A. data validity periods;
- B. network quality;
- C. network coverage;
- D. network speed;
- E. service interruptions by telecommunications providers.
12.4 Users are responsible for confirming that selected data plans meet their needs before purchase.
12.5 Completed data purchases are generally non-refundable except where delivery fails due to circumstances attributable to AirtimeFlip.
12.6 AirtimeFlip shall not be liable for losses resulting from telecommunications provider failures.
13. Bill Payment Services
13.1 AirtimeFlip may facilitate payments for:
- A. electricity bills;
- B. cable television subscriptions;
- C. internet subscriptions;
- D. educational services;
- E. government services;
- F. utility services;
- G. other supported services. ;
13.2 Users are responsible for verifying all account numbers, smart card numbers, meter numbers, and customer reference information before submitting payment.
13.3 AirtimeFlip shall not be responsible for failed or misdirected payments resulting from incorrect information supplied by Users.
13.4 Service delivery timelines may vary depending on the relevant utility provider.
13.5 AirtimeFlip acts solely as a payment facilitator and does not guarantee uninterrupted services from utility providers.
14. Gift Card Services
14.1 AirtimeFlip may offer gift card purchase, redemption, trading, exchange, or related services.
14.2 Users warrant that all gift cards submitted for sale, exchange, or redemption were lawfully acquired; are not stolen; are not linked to fraudulent activity; and are free from third-party claims.
14.3 AirtimeFlip reserves the right to request additional verification; place transactions under review; reject transactions; and/or freeze payments pending investigation.
14.4 AirtimeFlip shall not be liable for losses arising from:
- A. invalid gift cards;
- B. already redeemed cards;
- C. fraudulent gift cards;
- D. restrictions imposed by gift card issuers.
14.5 AirtimeFlip reserves the right to cooperate with law enforcement agencies regarding suspicious gift card transactions.
15. eSIM Services
15.1 AirtimeFlip may provide eSIM products and related services.
15.2 Users acknowledge that activation and performance of eSIM products depend on:
- A. device compatibility;
- B. network availability;
- C. telecommunications providers;
- D. geographic restrictions..
15.3 AirtimeFlip makes no warranty that every device will support every eSIM offered.
15.4 Users are responsible for verifying compatibility before purchase.
15.5 Activated eSIM products are generally non-refundable except where required by law.
16. International Airtime And Top-Ups
16.1 AirtimeFlip may facilitate international airtime and data purchases.
16.2 Delivery times may vary depending on country; network provider; and third-party processing partners.
16.3 AirtimeFlip does not guarantee uninterrupted international service delivery.
16.4 Certain jurisdictions may restrict or prohibit international top-up services.
16.5 AirtimeFlip reserves the right to decline transactions where legal or compliance concerns arise.
17. Sports Betting Wallet Funding
17.1 AirtimeFlip may provide payment facilitation services for approved betting platforms.
17.2 AirtimeFlip is not a betting operator and does not provide gambling services.
17.3 Users are solely responsible for ensuring compliance with applicable gambling laws in their jurisdiction.
17.4 AirtimeFlip shall not be liable for gambling losses; betting outcomes; betting platform failures; or account restrictions imposed by betting operators.
17.5 AirtimeFlip reserves the right to restrict betting-related transactions where required by law, regulation, or internal compliance policies.
18. Pricing And Fees
18.1 All prices displayed on the Platform are subject to change without prior notice.
18.2 AirtimeFlip may charge:
- A. transaction fees;
- B. processing fees;
- C. service fees;
- D. convenience fees;
- E. withdrawal fees;
- F. currency conversion fees;
- G. administrative fees.
18.3 Applicable fees shall be disclosed before transaction confirmation where reasonably practicable.
18.4 AirtimeFlip reserves the right to revise fees at any time.
18.5 Users authorise AirtimeFlip to deduct applicable fees from transaction amounts or wallet balances.
19. Payments
19.1 Users agree to pay all applicable charges associated with the Services.
19.2 Payment methods may include:
- A. bank transfer;
- B. debit card;
- C. wallet balance;
- D. payment gateway services;
- E. any other approved payment channel.
19.3 AirtimeFlip reserves the right to refuse any payment method.
19.4 Transactions may be subject to fraud screening and verification procedures.
19.5 AirtimeFlip shall not be liable for losses resulting from banking failures; payment processor failures; delayed settlements; and third-party service disruptions.
20. Failed Transactions
20.1 A transaction may fail due to:
- A. network failures;
- B. service provider downtime;
- C. payment processor errors;
- D. telecommunications disruptions;
- E. compliance reviews.
- E. incorrect information supplied by the User.
20.2 AirtimeFlip reserves the right to investigate all failed transactions.
20.3 Where a failed transaction results in successful debit without delivery, AirtimeFlip shall use reasonable efforts to facilitate resolution.
20.4 Resolution timelines may vary depending on third-party providers.
20.5 AirtimeFlip does not guarantee immediate resolution of failed transactions.
21. Refunds And Reversals
21.1 AirtimeFlip operates a limited refund policy.
21.2 Refunds may only be considered where:
- A. payment was successfully received;
- B. service delivery failed;
- C. the failure was not caused by the User;
- D. AirtimeFlip determines that a refund is appropriate.
21.3 Refund requests arising from User error may be denied.
21.4 AirtimeFlip reserves the right to investigate refund requests; request supporting documentation; and reject fraudulent refund claims.
21.5 Approved refunds shall be processed through the original payment method where reasonably possible.
21.6 AirtimeFlip reserves the right to offset refunds against outstanding obligations owed by the User.
22. Referral Program
22.1 AirtimeFlip may operate referral programs from time to time.
22.2 Participation in referral programs is subject to separate promotional rules.
22.3 AirtimeFlip reserves the right to modify, suspend, or terminate any referral program at any time.
22.4 Referral rewards may be withheld where fraud is suspected; duplicate accounts are detected; abusive practices occur; or false information is provided.
22.5 AirtimeFlip's decision regarding referral rewards shall be final and binding.
23. Promotion, Bonuses and Rewards
23.1 AirtimeFlip may offer bonuses, discounts, cashback rewards, loyalty incentives, promotional campaigns, and special offers.
23.2 Promotional offers may be subject to:
- A. eligibility requirements;
- B. expiration dates;
- C. transaction thresholds;
- D. geographic limitations.
23.3 AirtimeFlip reserves the right to revoke bonuses obtained through fraud; abuse; manipulation; and technical exploitation.
23.4 Promotional benefits have no cash value unless expressly stated otherwise.
23.5 AirtimeFlip reserves the right to cancel or amend promotions without prior notice.
24. Third- Party Service Providers
24.1 Certain Services may be delivered through third-party providers.
24.2 AirtimeFlip does not own or control all third-party systems used in delivering Services.
24.3 AirtimeFlip shall not be liable for interruptions, delays, inaccuracies, or failures caused by third-party providers.
24.4 Users acknowledge that use of certain Services may also be subject to the terms and conditions of third-party providers.
24.5 AirtimeFlip reserves the right to replace, suspend, or discontinue any third-party integration without notice.
25. Intellectual Property Rights
25.1 All Content on the AirtimeFlip Platform, including but not limited to software, design, layout, logos, trademarks, text, graphics, icons, images, and code, is owned by or licensed to AirtimeFlip Technology Limited.
25.2 Users are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform strictly in accordance with these Terms.
25.3 Users shall not:
- A. copy, reproduce, distribute, or modify any part of the Platform;
- B. use AirtimeFlip branding or trademarks without prior written consent;
- C. create derivative works based on the Platform;
- D. reverse engineer or attempt to extract source code.
25.4 Any unauthorised use of intellectual property shall result in immediate termination of access and may result in legal action.
26. User Content
26.1 Users may upload limited content such as profile pictures or verification materials.
26.2 Users retain ownership of their content but grant AirtimeFlip a worldwide, royalty-free, non-exclusive license to use such content for:
- A. verification;
- B. compliance;
- C. operational purposes;
- D. marketing and promotional activities;
- E. improvement of services.
26.3 Users warrant that uploaded content does not infringe any third-party rights.
26.4 AirtimeFlip reserves the right to remove any content that is unlawful; fraudulent; offensive; misleading; or in violation of these Terms.
27. Privacy policy And Data Protection
27.1 AirtimeFlip processes personal data in accordance with applicable laws including the Nigeria Data Protection Act 2023 and other relevant regulations.
27.2 By using the Platform, You consent to the collection, storage, processing, and sharing of Your personal data for:
- A. account creation and verification;
- B. transaction processing;
- C. fraud prevention;
- D. regulatory compliance;
- E. customer support;
- F. service improvement.
27.3 AirtimeFlip may retain personal data for as long as necessary to comply with legal obligations; resolve disputes; prevent fraud and abuse; and comply with regulatory requirements.
27.4 Users acknowledge that certain data may be retained beyond account closure where required by law or legitimate business interests.
27.5 For detailed information, Users may refer to the AirtimeFlip Privacy Policy.
28. AML, CFT And Fraud Prevention
28.1 AirtimeFlip operates strict Anti-Money Laundering (AML) and Counter Financing of Terrorism (CFT) compliance procedures.
28.2 Users agree to provide accurate information for identity verification and ongoing compliance monitoring.
28.3 AirtimeFlip reserves the right to:
- A. monitor transactions;
- B. flag suspicious activities;
- C. request additional documentation;
- D. report suspicious transactions to relevant authorities;
- E. suspend or terminate accounts under investigation.
28.4 AirtimeFlip may freeze funds or restrict access where fraudulent or suspicious activity is suspected.
28.5 Users acknowledge that failure to comply with AML/KYC requirements may result in denial of Services.
29. Account Suspension And Termination
29.1 AirtimeFlip may suspend or terminate User accounts at its sole discretion, with or without notice, where:
- A. there is suspected fraud;
- B. there is violation of these Terms;
- C. regulatory authorities request such action;
- D. suspicious transactions are detected;
- E. security risks are identified.
29.2 Users may also terminate their accounts at any time by submitting a request.
29.3 Upon termination access to Services shall cease; pending transactions may be cancelled or reviewed; and certain data may be retained for compliance purposes.
29.4 AirtimeFlip shall not be liable for any loss resulting from suspension or termination.
30. Indemnity
30.1 You agree to indemnify and hold harmless AirtimeFlip Technology Limited, its directors, employees, agents, affiliates, and partners from and against any claims, liabilities, damages, losses, costs, and expenses arising from:
- A. Your use of the Platform;
- B. Your violation of these Terms;
- C. Your violation of any law or regulation;
- D. fraudulent or unauthorised transactions;
- E. disputes with third parties.
31. No Warranties
31.1 The Platform and Services are provided on an "as is" and "as available" basis.
31.2 AirtimeFlip does not guarantee that:
- A. Services will be uninterrupted;
- B. Services will be error-free;
- C. transactions will always be successful;
- D. the Platform will be free from viruses or technical issues.
31.3 All implied warranties including merchantability, fitness for a particular purpose, and non-infringement are disclaimed to the fullest extent permitted by law.
32. Limitation Of Liability
32.1 To the maximum extent permitted by law, AirtimeFlip shall not be liable for:
- A. indirect or consequential losses;
- B. loss of profits or revenue;
- C. loss of data;
- D. business interruption;
- E. failed transactions caused by third parties;
- F. unauthorised access to User accounts due to User negligence.
32.2 AirtimeFlip’s total liability shall not exceed the total amount paid by the User for the specific transaction giving rise to the claim.
33. Service Interruptions
33.1 The Platform may experience interruptions due to maintenance; system upgrades; network failures; third-party service outages; or force majeure events.
33.2 AirtimeFlip shall not be liable for any losses arising from such interruptions.
34. Force Majeure
34.1 AirtimeFlip shall not be liable for failure or delay in performance caused by events beyond its reasonable control, including:
- A. natural disasters;
- B. internet outages;
- C. government actions;
- D. regulatory changes;
- E. war or civil unrest;
- F. cyberattacks;
- F. power failures.
35. Dispute Resolution
35.1 Any dispute arising out of or in connection with these Terms shall first be resolved amicably through negotiation.
35.2 Where negotiation fails, disputes shall be resolved through arbitration in accordance with the provisions of the following arbitration rules: Arbitration and Conciliation Act, 2023. The Arbitrators shall be appointed by the Parties. The venue of Arbitration shall be the following place:Lagos. The decision of the arbitrator(s) shall be final and binding on all the Parties and shall be enforced by any competent court.
35.3 The governing law shall be the laws of the Federal Republic of Nigeria.
36. Electronic Communications
36.1 Users consent to receive communications electronically.
36.2 All notices, agreements, and communications provided electronically shall satisfy legal requirements for written communication.
37. Regulatory Compliance And Disclosure
37.1 AirtimeFlip reserves the right to cooperate fully with law enforcement agencies; regulatory bodies; financial intelligence units; and telecommunications regulators.
37.2 AirtimeFlip may disclose User information where required by law or court order.
38. General Provisions
38.1 Assignment: AirtimeFlip may assign its rights under these Terms. Users may not assign rights without consent.
38.2 Entire Agreement: These Terms constitute the entire agreement between Users and AirtimeFlip.
38.3 Severability: If any provision is found invalid, the remaining provisions remain enforceable.
38.4 Waiver: Failure to enforce any provision shall not constitute a waiver.
38.5 Amendments: AirtimeFlip may modify these Terms at any time, and continued use constitutes acceptance.
39. Company Details
Company Name: AirtimeFlip Technology Limited
Registration Number (CAC): RC1621037
Registered Address: 1021 E Lincolnway Unit #908 Cheyenne, WY 82001.
Abuja, Nigeria.
Customer Support Email: support@airtimeflip.com
