Legal

Terms & Conditions

The agreement covering your BuyByteData account and the services on it.

This document is a draft

It has no effective date and is not yet in force. 6 sections are still awaiting approved legal text and are marked below. What it does describe is how the platform actually behaves today, and that part is accurate.

1.Introduction

BuyByteData is a Nigerian platform for buying digital services — airtime, mobile data, electricity, cable television subscriptions, recharge card vouchers, data cards and examination pins — paid for from a wallet you fund by bank transfer.

This document covers your account and the services on it. Separate documents cover privacy, refunds, acceptable use, and the developer API.

2.Your account

An account is created with your name, phone number and email address, and is secured by two separate credentials.

Your password signs you in. Changing it signs out every other device.
Your transaction PIN is a separate four-digit code that authorises spending. It is not your password, and changing it requires the current PIN rather than your password.
Five incorrect PIN attempts suspend spending for fifteen minutes.
A forgotten PIN cannot be reset from the application. Support can clear it after verifying the account.

We will never ask for your credentials

Nobody from BuyByteData will ask for your password, your transaction PIN, a one-time code, your bank login or your card details. Support does not need any of them.

3.Account plans

Every account sits on a plan, and the plan decides what you pay for the same products and which parts of the platform you can open.

Plans and the consoles each one opens
Plan	Personal	Reseller	Developer
Customer	Yes	No	No
Agent	Yes	Yes	No
Vendor	Yes	Yes	No
API	Yes	No	Yes

The agent and vendor plans are bought once from your wallet balance. They are not subscriptions and do not renew.
The API plan is arranged with us directly rather than bought in the application.
A reseller plan does not include developer access, and the API plan does not include the reseller console.

4.Wallet and funding

Your wallet is funded by bank transfer to an account number reserved for your account and nobody else. Transfers are credited automatically once the payment reaches us.

There is no card payment and no payment link. A transfer to your own account number is the only way to fund a wallet.
Money sent to another account number credits that account, not yours.
Your balance is held and displayed in naira. Every amount on the platform is recorded as a whole number of kobo.
There is no withdrawal from a wallet to a bank account.

5.Transactions

A purchase is paid from your wallet at the moment it is accepted, and then passed to the provider that fulfils it. Acceptance is not delivery, and the platform distinguishes the two everywhere.

A transaction carries one of six statuses. Three are final; three mean the outcome is still being established.

Transaction statuses
Status	Meaning	Final
Processing	Accepted and being processed.	No
Pending	The provider accepted it and is still processing it.	No
Successful	Delivered.	Yes
Failed	Not delivered. The amount has been returned to your wallet.	Yes
Reversed	Reversed after completion.	Yes
Unknown	The outcome is not yet resolved. No refund has been made.	No

Unknown is not failed

An unresolved transaction may still have been delivered. No refund is made while it is unresolved, and buying the same thing again could charge you twice. We continue checking it automatically.

You are responsible for the details you submit. A phone number, meter number or smartcard number typed incorrectly will be delivered as typed, and a delivered transaction cannot be recalled.

6.Refunds

A transaction that fails is refunded to your wallet automatically. You do not need to ask, and the transaction says plainly when a refund has been made.

The Refund Policy covers this in full, including what happens to an unresolved transaction.

7.Acceptable use

Use of the platform is subject to the Acceptable Use Policy, which forms part of these terms.

8.Suspension and termination

Awaiting approved legal text

The grounds on which an account may be suspended or closed, what notice is given, and what happens to a remaining wallet balance.