Terms & Conditions

These Terms & Conditions form an agreement between you and [Opreet legal entity name: to be confirmed] (“Opreet”, “we”, “us”) for the use of the Opreet web app and the related services. By creating an account or using Opreet you agree to them. If you do not agree, do not use Opreet.

These terms should be read with our Privacy Policy, Refund Policy, Acceptable Use Policy and Cookie Policy, which form part of the agreement.

Through Opreet you can, subject to availability:

• buy airtime and data, and pay for electricity and TV subscriptions;
• send money to bank accounts;
• receive money into your Opreet account, using the account number and QR code shown in the web app;
• view your balance, transaction history and notifications.

Some features shown in the web app, including any transfers described as cross-border, may be limited, unavailable in some places or subject to additional terms. Showing a feature or destination in the web app is not a promise that it is available.

To use Opreet you must be at least [minimum age: to be confirmed] years old, have legal capacity to enter into a binding agreement, and use Opreet only for yourself. You must give accurate information and keep it up to date, including a working email address and phone number.

You may hold one Opreet account. We may refuse or limit account creation where the law requires, or where we reasonably suspect misuse.

Your account has an Opreet account number and a balance in naira. How balances are held and safeguarded: [how customer balances are held and safeguarded: to be confirmed].

We may ask you to verify your identity, now or later, as described in our KYC Policy. Until you complete any required verification, we may limit what you can do.

Your password and your 4-digit transaction PIN are personal to you. You must:

• keep them secret and never share them with anyone, including people who say they are from Opreet;
• choose a password you do not use anywhere else;
• tell us straight away if you think someone else knows them or has used your account.

A payment approved with your correct PIN is treated as authorised by you. Opreet will never ask you for your password or PIN. See Security for more.

Giving instructions

You give an instruction by entering the details in the web app, reviewing them and approving with your PIN. Check every detail before you approve: we act on the information you provide, and a payment sent to the wrong number, meter, smartcard or account may not be recoverable.

Processing and status

After you approve, funds are set aside and the instruction is sent to the relevant provider. A transaction is then shown as pending, successful or failed. Processing times depend on the provider and may vary. We do not guarantee any particular time.

Failed, duplicate and reversed transactions

If a transaction fails, the amount and any fee set aside for it are returned to your Opreet balance. Resubmitting the same request does not charge you twice. See our Refund Policy.

Fees

Where a fee applies to a transaction, it is shown in the web app before you approve. We do not charge a fee that is not disclosed in this way, unless these terms are updated first.

Third-party providers

Airtime, data, electricity, TV and bank transfers are delivered by third-party providers: [payment and bill-payment service providers: to be confirmed]. We are not responsible for the goods or services themselves, only for passing your instruction on and for the parts of the service we control.

Limits may apply to the amount you can pay or send. We may delay, hold, refuse or reverse a transaction where required by law, by a regulator or by a provider, or where we reasonably suspect fraud, a security risk or a breach of these terms. Where permitted, we will tell you why.

You must use Opreet lawfully and in line with our Acceptable Use Policy. In particular, you must not use it for fraud, money laundering, terrorist financing, evading sanctions, or any other unlawful purpose.

We work to keep Opreet available, but it may be interrupted for maintenance, security or reasons outside our control, including problems at a provider. We may add, change or remove features. Where a change materially affects you, we will give you reasonable notice where we can.

We may suspend or close your account, or limit features, where we reasonably believe you have broken these terms, put others or the service at risk, or where the law or a regulator requires it. Where permitted, we will explain why and what you can do.

You may close your account at any time. See Delete your account. Closing your account does not cancel transactions that are already in progress, or remove records we must keep by law.

If something goes wrong, contact us first through our complaints process. We will review your complaint fairly and tell you the outcome.

The Opreet name, logo, web app and website, and their content and design, belong to Opreet or its licensors. You may use them only to use the service as intended. You may not copy, modify, reverse-engineer or exploit them, or use the Opreet brand without our written permission.

Nothing in these terms limits any liability that cannot lawfully be limited, including for fraud or for death or personal injury caused by negligence, or any rights you have under Nigerian consumer-protection law.

Subject to that, and to the extent the law allows, we are not liable for loss caused by events outside our reasonable control, by errors in information you give us, by a third-party provider, or for indirect or consequential loss. The services are provided on an “as available” basis.

We may update these terms. We will publish the new version with its date and tell you about material changes before they take effect. If you keep using Opreet after they take effect, you accept the updated terms. If you do not accept them, you can close your account.

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes that are not resolved through our complaints process will be dealt with by: [court or arbitration forum: to be confirmed].