Terms of use

1. Agreement

By creating an odata.ng account, using our app, or calling our API, you agree to these Terms of Use. If you do not agree, do not use the service. These terms apply alongside our privacy policy.

2. Who can use the service

• You must be at least 18 years old.
• You must be resident in Nigeria, with a working Nigerian phone number you control.
• You must provide accurate information at signup and keep it up to date.
• You may not impersonate another person or sign up using a phone number you do not own.

3. Your account

You are responsible for everything that happens under your account, including:

• Keeping your password and any device that auto-logs you in secret.
• Keeping your API token secret if you generate one — treat it like a password and never commit it to public source control.
• Notifying us promptly at support@odata.ng if you suspect unauthorised access. We will rotate your API token and lock the account while we investigate.

4. Funding your wallet

• We provide one or more virtual bank account numbers issued by our payment partners (PaymentPoint, Zainpay). Any transfer to those numbers credits your odata.ng wallet automatically once the bank confirms the deposit.
• Wallet balances are denominated in Naira (₦) and are non-interest-bearing.
• Mistaken transfers (e.g. paying into another customer's account) are between you and your bank in the first instance, but we will assist with traceable references where possible.
• Transfer fees deducted by the originating bank, our partners, or the receiving bank are not refundable by us; only the net amount credited to your wallet is owed to you.

5. Buying services

When you place an order through the dashboard or API:

• We call the appropriate upstream vendor before we debit your wallet. If the vendor refuses, your wallet is not charged.
• For multi-part orders (for example, a 7GB MTN plan delivered as 5GB + 2GB), the first part is critical and must succeed for any debit to occur. If only later parts fail, we queue them for automatic retry while keeping your wallet charged for the full plan.
• If you provide an incorrect phone number, meter number, smartcard number or similar, we cannot reverse the delivery; the receiving party has been served.
• Prices shown at the moment of purchase are the prices that apply. We may change pricing at any time without notice; future orders use the new price.

6. Refunds and failed transactions

If a vendor reports a definite failure, we mark the order failed and your wallet is untouched (or refunded if it was already debited). If the vendor reports an indeterminate state, we leave the order pending and reconcile when the vendor confirms one way or the other. If after our retry window has elapsed a multi-part order still has un-delivered parts, contact support and we will refund the un-delivered portion to your wallet within 3 business days.

7. API usage

• The API key you create at signup is yours; you may rotate it from the dashboard at any time.
• Reasonable use is fine. Sustained traffic in excess of 10 requests per second per token may be rate-limited or temporarily blocked without notice.
• You may not reverse-engineer the API to mass-create accounts, scrape pricing for competitive resale without our consent, or use the API to facilitate fraud.

8. Acceptable use

You will not use odata.ng to:

• Pay for or deliver services to a number, meter or account that you know to be the target of fraud or harassment.
• Launder money or evade tax obligations.
• Interfere with the operation of the service, attempt to break our security controls, or probe other customers' data.
• Resell our service under a different brand without a written agreement with us.

9. Termination

You may close your account at any time by emailing support@odata.ng from the phone number on file. We will refund any remaining wallet balance to a Nigerian bank account you nominate, after deducting any applicable transfer fees.

We may suspend or terminate your account if we reasonably believe you have breached these terms, if a law enforcement or regulatory body requires us to, or if your activity creates undue risk to other customers or to our payment partners. Where lawful and practical we will tell you why.

10. Limitation of liability

To the maximum extent permitted by Nigerian law, our total liability to you for any claim arising out of or related to the service is limited to the amount you paid us in the twelve months preceding the event giving rise to the claim, or ₦50,000, whichever is greater. We are not liable for indirect, incidental, consequential or punitive damages, loss of profits, loss of business, loss of goodwill, or loss of data.

The service is provided "as is" without warranties of any kind beyond those required by Nigerian consumer protection law. Network operators occasionally have outages outside our control; we are not responsible for delivery failures attributable to the operator.

11. Indemnity

You agree to defend and hold us harmless from claims, losses or expenses arising out of (a) your breach of these terms, (b) your misuse of the service, or (c) your violation of any law or the rights of a third party while using the service.

12. Changes to these terms

We will update this page if our terms change. The "Last updated" date at the top of this page reflects the most recent revision. Material changes will be highlighted inside the dashboard. Continued use of the service after a change indicates acceptance.

13. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria. Any dispute is subject to the exclusive jurisdiction of the courts of Kano State, Nigeria, except where a different forum is required by applicable consumer-protection law.

14. Contact us

Questions about these terms? Email support@odata.ng.