Terms of Service

Last updated: November 5, 2026

1. Acceptance of Terms

By accessing or using the PrimeBills Technologies platform ("Service"), including our website at primebills.com, mobile applications, WhatsApp chatbot, and APIs, you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

2. About PrimeBills Technologies

PrimeBills Technologies ("we", "us", "our") is a financial technology company registered in Nigeria (CAC Registration: PRIMEBILLS TECHNOLOGIES). We provide digital financial services including but not limited to:

• Digital wallet services (multi-currency: NGN, USD, GBP, EUR, GHS, KES)
• Bill payment services (airtime, data, cable TV, electricity)
• Virtual card issuance
• Virtual bank accounts for receiving payments
• Peer-to-peer money transfers
• WhatsApp-based transaction services
• Developer APIs for third-party integrations

3. Eligibility

You must be at least 18 years old and a resident of a country where our services are available. You must provide accurate, complete, and current information during registration and maintain the accuracy of such information.

4. Account Registration & KYC

To use our services, you must create an account and complete our Know Your Customer (KYC) verification process. This may include providing your Bank Verification Number (BVN), government-issued identification, and other personal information as required by Nigerian financial regulations.

You are responsible for maintaining the confidentiality of your account credentials, transaction PIN, and two-factor authentication codes. You agree to notify us immediately of any unauthorized use of your account.

5. Services & Fees

We charge fees for certain services. All applicable fees will be displayed before you confirm a transaction. We reserve the right to modify our fee structure with reasonable notice. Current fees are available on our platform.

6. Transaction Limits

Transaction limits are determined by your KYC verification level. Higher verification levels unlock higher limits. We reserve the right to impose additional limits for security or compliance reasons.

7. Prohibited Activities

You agree not to use our Service for:

• Money laundering, terrorist financing, or any illegal activity
• Fraudulent transactions or identity theft
• Circumventing transaction limits or security measures
• Unauthorized access to other users' accounts
• Any activity that violates applicable Nigerian or international laws

8. Intellectual Property

The Service, including its design, features, and content, is owned by PrimeBills Technologies and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written consent.

9. Third-Party Services

Our platform integrates with third-party service providers for payment processing, card issuance, and bill payments. Your use of these services is also subject to the respective providers' terms and conditions.

10. Limitation of Liability

To the maximum extent permitted by law, PrimeBills Technologies shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Our total liability shall not exceed the fees paid by you in the 12 months preceding the claim.

11. Dispute Resolution

Any disputes arising from these Terms shall be resolved through good-faith negotiation. If unresolved, disputes shall be submitted to arbitration in accordance with Nigerian arbitration laws.

12. Modifications

We may update these Terms from time to time. We will notify you of significant changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the modified Terms.

13. Contact Us

For questions about these Terms, please contact us at:

PrimeBills Technologies
Email: support@primebills.com
Website: https://primebills.com