Terms and Conditions

Welcome to Billpass! By using our website (billpass.app) or any of our services, you agree to these Terms and Conditions. These Terms govern your use of our platform, including the services and features we provide. Additional policies, such as the Privacy Policy, Acceptable Use Policy, and Merchant Terms of Service (where applicable), are incorporated into these Terms by reference.

1. About Billpass

Billpass (referred to as "we," "us," or "our") is an online bills payment platform designed to simplify bills payment. These include but are not limited to airtime, data, cheap data, VTU, electricity, DSTV, GOTV, and many more. Our platform supports multiple payment methods, including Visa, MasterCard, mobile money, and direct debit from bank accounts, ensuring secure and seamless transactions.

2. Definitions

Parties: Means you, the user of the service, and the owner, the entity responsible for providing the Service.
Owner: Billpass, operated by Brainstack Tech Ltd.
Terms: These Terms and Conditions outlining the rules governing the platform.
Service: The Billpass platform, including its website and connected content.
Products: Tangible goods and services offered on the platform.

3. Agreement

By using this website, you confirm that you have reviewed and agreed to these Terms. If you do not agree, discontinue use immediately.

By accessing this website, you represent that:

You have the legal capacity to enter into this Agreement.
You meet the minimum age requirements in your jurisdiction.

4. Communication

The email and phone number provided during sign-up serve as the primary means of communication for notices and updates.

5. Fees

Certain services on Billpass may attract additional charges, which will be disclosed before proceeding with transactions.

6. Security Features

6.1 One-Time Password (OTP)

Billpass uses Safetoken for two-factor authentication via OTP for transactions.

6.2 User Responsibility

Keep devices and credentials secure.
Notify your bank in case of unauthorized access.
Billpass is not liable for negligence-related breaches.

7. Termination/Suspension of Access

We reserve the right to suspend or terminate access in cases such as:

Loss or theft of your device.
Suspected fraudulent activities.
Violation of these Terms.
False or incomplete information.

8. Prohibited Activities

You must not:

Harm platform functionality.
Distribute malicious software.
Engage in fraudulent or unlawful activities.

9. Limitation of Liability

Billpass is not liable for platform unavailability, errors in user transaction details, or disputes with merchants.

10. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy.

11. Age Restriction

Our services are intended for users aged 18 and above.

12. Disputes and Reversals

Claims must be reported within 45 days.
Billpass is not liable for third-party disputes.

13. Updates to Terms and Conditions

We may update these Terms as necessary. Changes will be communicated on this page.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be referred to a court of competent jurisdiction if unresolved amicably within one month.