Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and GN Data ("we," "us," or "our") concerning your access to and use of our mobile application, web portal, developer APIs, and digital utility services (collectively, the "Platform").

By creating an account, funding your wallet, using our APIs, or purchasing any utility service through GN Data, you confirm that you have read, understood, and agreed to be bound by these Terms in full. If you do not agree to these Terms, you must discontinue using our Platform immediately.

2. Eligibility

To use GN Data, you must meet the following criteria:

• You are at least 18 years of age.
• You possess legal capacity to enter into a binding contract under Nigerian law.
• You provide accurate, current, and complete registration information (Full Name, valid Email Address, and Phone Number).
• You are not barred from receiving financial or digital technology services under applicable laws of the Federal Republic of Nigeria.

3. Account Registration and Security

When you register on GN Data, you are responsible for maintaining the confidentiality and integrity of your account credentials.

• Credentials & PIN: You must keep your login password and your 4-digit Transaction PIN strictly confidential. You must never disclose your PIN to third parties or customer support representatives.
• Authorization: Any purchase or wallet debit executed using your correct credentials or 4-digit PIN is irrevocably deemed to have been authorized by you.
• Brute-Force & Lockout Safeguards: To protect against unauthorized brute-force attempts, our security systems will automatically lock access to your account for 15 minutes after 5 consecutive failed login or PIN attempts.
• Unauthorized Access: If you suspect that your account credentials have been compromised, you must notify us immediately at support@gndata.com.ng.

4. Our Services

GN Data provides a digital aggregation and electronic utility vending platform allowing users to purchase:

• Airtime Top-ups: Instant mobile recharge across supported Nigerian telecommunications networks (MTN, Airtel, Glo, 9mobile).
• Mobile Data Bundles: SME, Corporate Gifting, and Direct Data bundles.
• Electricity Bill Payments: Token generation for prepaid meters and payment processing for postpaid accounts across licensed Electricity Distribution Companies (DisCos).
• Cable TV Subscriptions: Instant renewal and package upgrades for DStv, GOtv, Startimes, and other supported providers.

Service plans, bundles, pricing, validity periods, and network tariffs are determined by telecommunication operators and utility companies and may change without prior notice.

5. Digital Wallet & Funding

Your GN Data wallet is a prepaid balance maintained exclusively for purchasing digital utility services on the Platform.

• Non-Banking Balance: Your wallet balance is non-interest-bearing, is not a bank deposit, and is not covered by NDIC deposit insurance.
• Funding Channels: You may fund your wallet via dedicated virtual bank accounts (powered by Monnify and PaymentPoint) or via debit card through certified payment gateways (Paystack).
• Non-Overdraft: Transactions cannot exceed your available wallet balance. Any purchase with insufficient funds will be declined.
• Negative Balances & Adjustments: In the event that your wallet balance becomes negative due to a payment reversal, chargeback, or system adjustment, GN Data reserves the right to automatically debit subsequent deposits to restore a positive balance.

6. Transactions, Pricing & Refund Policy

• Pricing: All prices are displayed in Nigerian Naira (₦). The price confirmed at checkout applies to that specific transaction.
• Transaction Finality: Once a purchase order is submitted and fulfilled by the carrier or provider, it is complete and final.
• Failed Transactions: If a purchase fails due to telecommunication downtime, provider timeout, or invalid recipient meter status, the deducted amount is automatically refunded to your GN Data wallet.
• Wallet Refund Only: All refunds and reversals are credited strictly to your GN Data wallet balance. We do not issue cash payouts or external bank refunds for completed or reversed digital utility purchases.

7. Wrong Recipient & Non-Reversal Policy

8. Developer & Reseller API Terms

If you access GN Data via our Developer REST APIs or operate as a reseller:

• API Key Confidentiality: You must securely store your API Secret Key. You are fully liable for all requests and wallet debits originating from your API key.
• IP Whitelisting: You are strongly advised to configure IP whitelisting in your dashboard to prevent unauthorized API calls.
• Fair Usage & Rate Limits: You agree not to flood the API with automated denial-of-service requests, abusive polling, or malicious scraping. We reserve the right to throttle or revoke API access for abuse.
• Webhook Handling: Resellers are responsible for verifying webhook signatures and securing their webhook callback endpoints.

9. Prohibited Conduct & Anti-Fraud

You agree not to use the Platform for any unlawful or unauthorized activity, including but not limited to:

• Engaging in money laundering, terrorism financing, or fraudulent transactions using stolen debit cards or unauthorized bank accounts.
• Attempting fraudulent chargebacks or initiating false payment claims against genuine wallet funding.
• Exploiting software bugs, pricing glitches, or system vulnerabilities to obtain unauthorized credits or services.
• Reverse-engineering, decompiling, or intercepting communications with our backend infrastructure.
• Violating any provision of the Cybercrime (Prohibition, Prevention, Etc.) Act 2015 or other applicable Nigerian laws.

GN Data reserves the right to immediately freeze any wallet, reverse illegitimate transactions, terminate accounts, and report involved parties to law enforcement upon detecting fraudulent or abusive behavior.

10. Service Availability & Limitation of Liability

Intermediary Disclaimer: GN Data operates as a digital intermediary connecting users with third-party telecommunications networks and utility providers. We do not operate cellular towers, electrical grids, or broadcast satellites.

To the maximum extent permitted by Nigerian law, GN Data shall not be liable for:

• Network downtime, slow data speeds, or delivery delays caused by telecommunication carriers (MTN, Airtel, Glo, 9mobile).
• Grid failures, token generation outages, or server downtime experienced by electricity distribution companies (DisCos).
• Broadcasting or decoder activation delays originating from cable TV operators.
• Indirect, incidental, punitive, or consequential losses, including loss of business or profits.

Our total cumulative liability to you for any claim arising under these Terms shall not exceed the total amount paid by you for the specific transaction giving rise to such claim.

11. Account Suspension & Termination

• Voluntary Closure: You may request account closure at any time through the GN Data Mobile App (Settings > Delete Account) or by emailing support@gndata.com.ng.
• Termination for Cause: GN Data reserves the right to suspend or terminate your account immediately if you breach these Terms, engage in fraud, or upon lawful order from regulatory or law enforcement authorities.

12. Governing Law & Dispute Resolution

These Terms of Service are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

In the event of any dispute or claim arising out of or in connection with these Terms, the parties shall first attempt to resolve the dispute amicably through good-faith negotiation. If unresolved within thirty (30) days, the dispute shall be submitted to the exclusive jurisdiction of the competent courts in Nigeria.

13. Contact Us

If you have any questions, feedback, or legal inquiries concerning these Terms of Service, please reach out to us:

• Brand: GN Data
• Email: support@gndata.com.ng
• Website: https://gndata.com.ng