Last updated: August 2026
These Terms of Service ("Terms") govern your access to and use of the Subbaplug platform, website, mobile applications and API (the "Service"), operated by SMD TECHNOLOGIES LIMITED ("we", "us"). By creating an account or using the Service, you agree to these Terms.
You must be at least 18 years old and provide accurate information. You are responsible for keeping your login credentials and transaction PIN confidential and for all activity under your account.
Your wallet balance is a prepaid balance used to purchase services. It is not a bank deposit and is not interest-bearing. Funding is credited after successful verification by our payment partners.
We facilitate purchases from third-party providers. You are responsible for entering correct details (phone number, meter number, smart card number). We are not liable for delivery to an incorrect recipient caused by inaccurate details you provide.
Failed transactions are automatically refunded to your wallet. Successfully delivered services are non-refundable. Report disputes promptly with the relevant reference.
Prices are shown before you confirm a purchase and may vary by account tier and over time. Agents and resellers may receive tiered pricing and commissions.
You may not use the Service for unlawful, fraudulent or abusive activity. We may suspend or terminate accounts, and blacklist identifiers, that breach these Terms.
We may require identity verification (such as BVN or NIN) in line with applicable regulations, and handle your data per our Privacy Policy.
Keep your API keys secret, respect rate limits, and do not misuse the Service. We may revoke access for abuse or security reasons.
The Service is provided "as is". To the maximum extent permitted by law, we are not liable for indirect or consequential losses or failures caused by third parties or events beyond our reasonable control.
You may request deletion of your account and data at any time via our Delete Account page.
We may update these Terms from time to time. Continued use after changes take effect constitutes acceptance.
Questions? Contact us at support@billnet.ng.