Terms and Conditions

These Terms and Conditions constitute a legally binding electronic contract between you ("User", "Merchant", or "Customer") and Trubills Services Limited ("Trubills", "Company", "we", or "us"). By creating a user account, initiating wallet funding, or executing transactions across our services (including VTU, bill payments, SMM boosts, eSIMs, SMS OTPs, and The Shop), you acknowledge that you have read, understood, and agree to be bound by these Terms.

To register and transact on Trubills, you must meet the following eligibility criteria:

• You must be at least 18 years of age or possess formal parental/guardian consent.
• You must possess a valid Nigerian mobile phone number capable of receiving SMS verification codes.
• To elevate wallet transaction limits or unlock Seller capabilities in The Shop, you agree to complete identity verification (NIN or BVN) in compliance with CBN AML/CFT regulations.
• You warrant that all information supplied during onboarding is true, accurate, and kept up to date.

Trubills provides automated digital wallet services to facilitate seamless payments:

• Automated Crediting: Inbound bank transfers to your dedicated virtual account number reflect instantly upon payment network confirmation.
• Instant Service Execution: Digital bills (airtime, data bundles, electricity meter tokens, exam PINs, cable packages) are fulfilled immediately via direct API integrations with licensed operators.
• Recipient Verification Responsibility: You are solely responsible for verifying the accuracy of recipient phone numbers, meter numbers, smartcard IUCs, and target social URLs prior to confirmation. Completed transactions to valid wrong targets cannot be reversed.

Our peer-to-peer marketplace operates under strict escrow-grade trust protocols:

• Delivery-Triggered Payouts: To eliminate merchant non-fulfillment, customer payments are held in secure escrow. Funds move to the seller's withdrawable balance only when the order status is confirmed as "Delivered".
• Seller Bank Withdrawals: Verified sellers may withdraw their available balance to their saved Nigerian bank account at any time with automated NUBAN processing.
• Prohibited Goods: Counterfeit items, hazardous materials, illegal drugs, unauthorized weapons, or stolen merchandise are strictly forbidden. Infringing stores are subject to immediate termination.

Users shall not engage in, or attempt to engage in, any of the following activities:

• Using stolen credit cards, compromised bank accounts, or conducting fraudulent transfers.
• Reverse engineering, scraping, or launching automated attacks against our API infrastructure.
• Exploiting software vulnerabilities or tampering with request signatures and cryptographic nonces.
• Violating intellectual property rights or engaging in harassment through order chat channels.

Violations will result in immediate permanent account suspension, forfeiture of fraudulent funds, and reporting to the Economic and Financial Crimes Commission (EFCC) and law enforcement authorities.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising out of or in connection with these Terms shall first be resolved through good-faith negotiation. If unresolved within thirty (30) days, disputes shall be submitted to the exclusive jurisdiction of the competent courts in Lagos State, Nigeria.