1) Definitions

• “Services” means our Virtual Top-Up (VTU) and related services such as airtime, data, TV, electricity, social boost, spin & win, and developer API.
• “Wallet” means your IA Café stored-value balance used to pay for orders on the platform.
• “Order” means a purchase request for any product or service on IA Café.
• “Third-Party Provider” means external networks, aggregators, or service partners used to fulfil orders.

2) Eligibility & Account

• You must be at least 18 years old and capable of forming a binding contract.
• You are responsible for the security of your login credentials and 4‑digit transaction PIN.
• You must provide accurate, complete information and keep it updated. You are responsible for activities under your account.
• We may refuse, suspend, or close accounts for policy or risk reasons.

3) KYC/AML & Verification

• We may request identity verification (e.g., BVN/NIN, ID card) and proof of address per applicable laws and risk policies.
• We may place transaction limits or hold funds pending verification or investigation.
• We cooperate with lawful requests from regulators and law enforcement.

4) Wallet, Funding & Withdrawals

• Wallet funds are held to facilitate purchases on the platform and are not bank deposits, investments, or interest-bearing.
• Funding sources may include bank transfer, card, or supported payment methods. Fees may apply.
• We may delay or reverse wallet credits in case of chargebacks, disputes, fraud, or processor reversals.
• Withdrawals (if available) may attract fees and processing timelines; additional verification may be required.
• Inactive or dormant wallets may be handled under applicable laws and our policy schedule.

5) Pricing, Fees & Taxes

• Prices and fees are shown at checkout and may change due to network/provider rates, FX, or promotions.
• Promotions (e.g., welcome bonus ₦2.50) are discretionary, may change without notice, and may have eligibility rules.
• You are responsible for any applicable taxes, levies, or charges related to your use of the Services.

6) Orders, Fulfilment & Network Availability

• Orders are processed via Third‑Party Providers. Networks may experience downtime, congestion, or delays.
• Orders marked “pending” are queued and usually auto‑complete once the provider confirms.
• We may cancel or refund orders affected by stock, provider outage, or failed provisioning.
• Order history is available in Transactions for your records.

7) Refunds, Reversals & Chargebacks

• Where an order fails and value was not delivered, we will refund to your wallet or original payment method, as applicable.
• Refund timelines depend on payment method and provider policies.
• Unauthorised chargebacks or disputes may lead to account suspension and recovery actions.

8) Prohibited Uses

• Fraud, identity theft, money laundering, carding, or any unlawful activity.
• Interference with the platform, rate manipulation, scraping, automated abuse, or DDoS.
• Reselling in violation of network/provider rules; misleading end‑customers.
• Multiple accounts to bypass limits, bonuses, or risk controls.

9) Product-specific Terms

• Data & Airtime: Ensure correct phone number/network. Delivered value is non‑returnable once network confirms.
• TV & Electricity: Ensure accurate smartcard/meter details. Tokens and subscriptions are generated by providers; delays may occur during outages.
• Social Boost: Services depend on third‑party platforms’ policies/algorithms. We do not guarantee specific engagement quality, retention, or timelines. No unlawful, hateful, or infringing content.
• Spin & Win: Spins are chance‑based. Odds vary; larger prizes are less frequent. Promotions/spins may be paused, changed, or discontinued at any time. Winnings are credited to wallet when confirmed.

10) Developer API

• API keys are confidential. You are responsible for all requests made with your keys.
• We may apply rate limits and revoke keys for abuse, security risk, or policy violations.
• You must handle webhooks securely, verify signatures, and protect customer data.

11) Privacy & Data Protection

• We process personal data per our Privacy Policy and applicable laws (e.g., NDPR). We recommend you review the Privacy Policy.
• You consent to communications about your account, security, transactions, and service updates.

12) Security

• Use a strong password and keep your 4‑digit transaction PIN secret.
• Notify support immediately if you suspect unauthorised access or a security incident.

13) Intellectual Property

• All platform content, branding, and software are owned by IA Café or licensors.
• You may not copy, modify, or create derivative works without permission.

14) Disclaimers & Liability

• Services are provided “as is” and “as available”. We do not warrant uninterrupted or error‑free operation.
• To the maximum extent permitted by law, IA Café is not liable for indirect, incidental, or consequential damages.
• Our total liability for any claim is limited to the amount you paid for the affected order in the 30 days prior to the claim.

15) Suspension & Termination

• We may suspend or terminate access for violations, risk, fraud, or legal reasons.
• We may retain information as required by law and our retention policies.

16) Governing Law & Dispute Resolution

• These Terms are governed by the laws of the Federal Republic of Nigeria.
• Disputes shall first be resolved amicably. If unresolved within 30 days, disputes may be referred to arbitration in Lagos, Nigeria, in English, before a single arbitrator under applicable rules. Courts in Lagos have exclusive jurisdiction for injunctive relief and enforcement.

17) Changes to these Terms

• We may update these Terms from time to time. Material changes will be posted on the platform. Continued use after changes means you accept the updated Terms.

18) Contact