Version: 1.0 · Effective date: 25 September 2026
1. Who we are and acceptance of these terms
These Terms of Use ("Terms") govern your use of the Ayamaz Data mobile app, website (https://ayamaz.com.ng) and related services (the "Services") provided by Ayamaz Ventures LTD, of Gombe, Nigeria ("Ayamaz", "we", "us"). By creating an account or using the Services you agree to these Terms, our Privacy Policy and our Refund, Cancellation & Reversal Policy. If you do not agree, do not use the Services.
2. Eligibility
You must be at least 16 years old to open an account. If you are under 18, you confirm that a parent or guardian agrees to you using the Services. You must give accurate, current information. If you use the Services for a business or on behalf of others, you confirm you are authorised to do so.
3. Your account and security
- You register with your name, phone number, email and a password, or through Google/Apple sign-in, and you set a transaction PIN used to authorise purchases.
- You are responsible for all activity under your account and for keeping your password, PIN and device secure. Do not share your PIN or one-time codes with anyone — Ayamaz staff will never ask for them.
- We lock access temporarily after repeated failed attempts and may require extra verification.
- Tell us immediately at support@ayamaz.com.ng or +234 813 076 2880 (phone and WhatsApp) if you suspect unauthorised use.
- One person, one account, unless we agree otherwise. Registering another person's phone number without permission is prohibited.
4. Identity verification (KYC)
Some features or higher limits may require you to verify your identity with your BVN, NIN and/or identity documents. We use a verification provider to do this. We may refuse, limit or close accounts that cannot be verified, as permitted by law and our partners' requirements. See the Privacy Policy for how we handle this data.
5. Your wallet
- The wallet lets you hold a balance in Naira to pay for services on Ayamaz. Your balance is the amount recorded by our systems. Amounts shown may include separate main, cashback/commission and reserved portions.
- Top-ups: you top up your wallet by bank transfer to the dedicated virtual account number(s) shown in the app. Funds are credited after our payment partner confirms the transfer. Only transfer from an account in your own name. Transfers to the wrong account, or that are never confirmed, are handled as described in the Refund Policy.
- No interest, no withdrawal, no transfers: the wallet is not a bank account, earns no interest, and — at the date of these Terms — cannot be withdrawn to a bank or transferred to other users. If you close your account with a balance, contact support to use or settle it first.
- Reserved amounts: when you confirm a purchase, the amount is reserved until the purchase completes or fails.
- Cashback, commission and referral rewards are promotional benefits. We may change, cap, suspend or withdraw them, and we may reverse rewards on transactions that are reversed or that we reasonably believe are abusive.
- Fees and prices: Any fee that applies to a top-up or purchase is shown in the app before you confirm. The price you pay is shown in the app before you confirm a purchase; prices are set by us and may change at any time, but not after you have confirmed a purchase.
6. Services we offer
We resell or facilitate airtime, mobile data, electricity payments/tokens, cable-TV subscriptions and exam/result-checker PINs, delivered through third-party network operators, distribution companies, content providers and aggregators ("Providers"). Not every service or provider is available at all times. Nothing on the website or in the app is a promise of a specific delivery time.
- Correct details are your responsibility. Check the phone number, network, meter number, smartcard number and amount before confirming. Delivery to details you entered is final unless the Refund Policy says otherwise.
- Third-party terms. Network plans, validity periods, token generation, subscription activation and exam-PIN use are governed by the Providers' rules. Their outcomes after successful delivery are outside our control.
- Bulk purchases are processed order by order; each recipient order can succeed or fail independently.
7. Processing, pending and failed transactions; reversals
Purchases are authorised with your PIN and are typically sent to a Provider immediately. Your order may be successful, pending or failed. Our handling — including automatic reversal to your wallet when a Provider fails, how long pending orders are checked, and how unresolved orders are treated — is set out in the Refund, Cancellation & Reversal Policy, which forms part of these Terms. Refunds are credited to your wallet. We may delay or reverse a credit or transaction that we reasonably believe was made in error or through fraud.
8. Availability and third-party services
We aim to keep the Services available but do not guarantee uninterrupted or error-free service. Providers, banks, mobile networks and the internet can fail, be delayed or change. We may suspend the Services for maintenance, security or legal reasons. We are not responsible for delays or failures caused by events outside our reasonable control.
9. Acceptable use
You must not: use the Services for unlawful purposes, fraud or money laundering; provide false information; use someone else's account or funds without authority; interfere with or probe the Services or other users' accounts; use automated tools, bots or scripts against the app or API (except through our official API where offered); circumvent limits, lockouts or security controls; abuse promotions, cashback or referrals (for example self-referral or fake accounts); resell in breach of these Terms or our Providers' rules; upload malicious files; or reverse-engineer the app except as the law allows.
10. Reseller and agent accounts
Reseller and agent accounts are not available yet. If we introduce them, separate terms will apply.
11. Developer / API access
API access is not available yet. If we introduce it, separate terms will apply.
12. Referral and reward programmes
Referral rewards depend on activity by people you refer and may be capped, delayed or reversed. Your first name and last initial and your ranking may be shown to other users on referral leaderboards. We may modify or end any programme.
13. Intellectual property
The Ayamaz name, logos, app, website and content belong to us or our licensors. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the app for your personal or business use in accordance with these Terms. You may not copy, modify, distribute or create derivative works except as permitted by law.
14. Suspension and termination
We may suspend, freeze or close your account or refuse transactions, with or without notice where the law allows, if we reasonably believe you breached these Terms, are engaged in fraud or unlawful activity, are the subject of a legal or regulatory request, or if we are required to by a partner or authority. You may stop using the Services at any time.
15. Account closure and deletion
You can request account deletion in the app (Profile → Delete account) or via https://ayamaz.com.ng/legal/delete-account. We review requests, and we can complete closure only if your wallet balance is zero and there are no pending orders; contact support to settle any balance first. We may retain certain records as explained in the Privacy Policy. Closing your account does not affect rights or obligations that arose before closure.
16. Disclaimers
To the fullest extent permitted by law, the Services are provided "as is" and "as available". We do not guarantee delivery times, uptime, price stability or that Providers will deliver. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence, or limits your statutory consumer rights.
17. Limitation of liability
Subject to section 16 and to the extent permitted by law, we are not liable for indirect or consequential loss, loss of profits, or losses caused by Provider, bank, network or third-party failures, or by your errors (such as entering wrong details) or your failure to secure your credentials. Our total liability for any transaction is limited to the amount you paid for that transaction.
18. Your responsibility (indemnity)
You will compensate us for losses arising from your breach of these Terms, your unlawful use of the Services, or your misuse of another person's information, to the extent permitted by law.
19. Changes to the Services and these Terms
We may update these Terms. We will change the version/effective date above and, for material changes, notify you in the app or by email. Continued use after the effective date means you accept the update; if you do not, you should stop using the Services and close your account.
20. Governing law and disputes
These Terms are governed by the laws of the Federal Republic of Nigeria. Please contact us first at support@ayamaz.com.ng or +234 813 076 2880 (phone and WhatsApp) so we can try to resolve your concern; see the Refund Policy for the complaints route. If we cannot resolve a concern this way, it may be brought before the courts of Gombe State, Nigeria, without limiting any rights you have under consumer-protection law.
21. General
If part of these Terms is unenforceable the rest continues. Our failure to enforce a right is not a waiver. You may not transfer your rights under these Terms; we may transfer ours to a successor of the business. These Terms, the Privacy Policy and the Refund Policy are the whole agreement between us about the Services.
22. Contact
Ayamaz Ventures LTD · Gombe, Nigeria · support@ayamaz.com.ng · +234 813 076 2880 (phone and WhatsApp)