Terms & Conditions

Welcome to Billora Digital Services. These Terms and Conditions govern your use of the Billora mobile application and website at billora.ng. By creating an account or using any Billora service, you confirm that you have read, understood, and agree to be bound by these Terms.

If you do not agree to these Terms, you must not use the Billora platform.

1. Business Information

Business Name: Billora Digital Services

Business Registration No: 9549185

Website: https://billora.ng

Email: billora207@gmail.com

Phone: +2349164019482

Country: Nigeria

2. Eligibility

• You must be at least 18 years of age to use Billora services
• You must provide accurate and truthful information when registering
• You must be located in Nigeria or have a valid reason to access Nigerian digital services
• You must not use Billora services for any illegal or prohibited purpose

3. Account Responsibility

You are solely responsible for maintaining the security of your account including your password and transaction PIN. You must not share your login credentials with any other person.

Billora Digital Services will not be liable for any losses resulting from unauthorized account access caused by your failure to protect your credentials. Report any unauthorized access immediately to our support team.

4. Wallet System

• Your Billora wallet is a digital balance used to pay for services on the platform
• Wallet funds are not withdrawable to bank accounts directly — they are for service purchases only
• Referral and reseller commission balances may be withdrawn subject to a minimum of ₦2,000
• Withdrawal requests are processed manually by Billora support via WhatsApp
• Billora Digital Services is not a bank and does not offer banking services
• Wallet funding is final — please verify amounts before funding

5. Transaction Accuracy

Transactions successfully delivered to incorrect details provided by the user cannot be reversed or refunded. Always double-check all details before confirming a transaction.

6. Refund Policy

Refunds may only be considered under the following circumstances:

• A transaction fails and funds were deducted from your wallet
• A service was not delivered after successful payment
• A duplicate charge occurred due to a system error

Refunds are NOT available for:

• Successfully delivered transactions
• Transactions where incorrect details were provided by the user
• Change of mind after successful service delivery

All refund requests are reviewed by our team. Billora Digital Services reserves the right to investigate before issuing any refund. Refunds are credited back to your Billora wallet.

7. Service Availability

While we aim for 24/7 service availability, we cannot guarantee uninterrupted service due to:

• Scheduled maintenance periods
• Third-party provider downtime
• Network disruptions beyond our control
• Force majeure events

We will make reasonable efforts to notify users of planned downtime in advance.

8. Reseller Program

• Reseller activation requires a one-time fee of ₦2,500 deducted from your wallet
• Reseller status grants access to wholesale pricing and referral commission earnings
• Commissions are only paid when Billora earns a minimum profit of ₦200 per qualifying transaction
• Referral bonuses of ₦500 are paid when a referred user upgrades to reseller status
• Commission rates are subject to change with reasonable notice to resellers
• Reseller accounts found abusing the system will be suspended without refund

9. Competition Terms

• Reseller competitions are created and managed entirely at Billora's discretion
• Billora reserves the right to create, modify, pause, or cancel any competition
• Only transactions where Billora earns the minimum qualifying profit count toward competition sales
• Competition prizes are paid manually by bank transfer within a reasonable time after competition ends
• Winners must provide accurate bank account details to receive prizes
• Any attempt to manipulate competition results will result in disqualification and account suspension

10. Digital Services Terms

Data and Airtime: Delivered instantly to the phone number provided. Cannot be reversed after delivery.

Electricity: Tokens are generated and delivered based on meter number provided. Verify meter number carefully.

Cable TV: Subscription is renewed on the smart card number provided. Verify before confirming.

Social Media Services: Results depend on third-party providers. Delivery times may vary. We do not guarantee specific outcomes for social media boost services.

Virtual Number Services: Virtual phone numbers are provided for receiving verification codes. Numbers are temporary and cannot be guaranteed for all services.

11. Prohibited Activities

The following are strictly prohibited on the Billora platform:

• Hacking, exploiting, or attempting to manipulate the platform
• Creating fake transactions or duplicate account abuse
• Using stolen payment methods or fraudulent wallet funding
• Attempting to exploit system errors for financial gain
• Unauthorized access to other user accounts
• Using the platform for money laundering or illegal activities
• Reselling services in violation of provider terms
• Creating multiple accounts to abuse referral or bonus systems

Violations may result in immediate account suspension, permanent restriction, forfeiture of wallet balance, and reporting to relevant authorities where legally required.

12. Intellectual Property

All content on the Billora platform including the app, website, logo, branding, and code is the intellectual property of Billora Digital Services. You may not copy, reproduce, or distribute any part of the platform without written permission.

13. Limitation of Liability

Billora Digital Services shall not be liable for:

• Losses caused by user error including incorrect transaction details
• Delays or failures caused by third-party service providers
• Internet or network disruptions beyond our control
• Indirect, incidental, or consequential damages of any kind
• Losses resulting from unauthorized account access due to user negligence

Our maximum liability to any user for any claim shall not exceed the amount of funds in their Billora wallet at the time of the incident.

14. Account Termination

Billora Digital Services reserves the right to suspend or permanently terminate any account found to be in violation of these Terms without prior notice. Users may also request account deletion by contacting support. Upon account deletion, wallet funds will be reviewed for refund eligibility on a case-by-case basis.

15. Governing Law

These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from the use of Billora services shall be subject to Nigerian law and jurisdiction.

16. Changes to These Terms

Billora Digital Services may update these Terms at any time. Significant changes will be communicated through the app or email. Continued use of the platform after updates constitutes acceptance of the new Terms.

17. Contact Us