Terms and Conditions

01Acceptance of Terms

By registering for an account, funding your wallet, or completing any transaction on WiseSub, you accept these Terms in full. These Terms form a legally binding agreement between you and WiseSub. We reserve the right to update these Terms at any time, and your continued use of the platform after any update constitutes your acceptance of the revised Terms.

02Eligibility

To use WiseSub, you must:

• Be at least 18 years of age
• Be a resident of or operating within Nigeria
• Provide accurate and truthful information when creating your account
• Have the legal capacity to enter into a binding agreement

WiseSub reserves the right to decline registration or suspend any account that does not meet these requirements.

03Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

04Our Services

WiseSub provides the following virtual top-up (VTU) services:

• Mobile data purchase for MTN, Airtel, Glo, and 9mobile
• Airtime recharge for all four major Nigerian networks
• Prepaid electricity token purchase for major DISCOs
• Cable TV subscription renewal (DSTV, GOtv, Startimes)

WiseSub strives to ensure instant delivery on all services. However, delivery timelines may occasionally be affected by third-party network or provider downtime, which is outside our control. In such cases, we will resolve the issue or issue a refund as appropriate.

05Payments & Wallet

06Rewards & Commission

WiseSub credits a commission reward to your wallet on every completed transaction. The following conditions apply:

• Rewards are credited automatically after each successful transaction — no referrals or additional steps required
• Reward amounts may vary by service type and are determined by WiseSub at its discretion
• Rewards can only be used to purchase services on the WiseSub platform — they cannot be withdrawn as cash
• WiseSub reserves the right to modify, pause, or discontinue the rewards programme at any time with reasonable notice
• Rewards obtained through fraudulent activity or abuse of the platform will be forfeited and the account suspended

07Acceptable Use

You agree to use WiseSub only for lawful purposes. The following are strictly prohibited:

• Using WiseSub to facilitate fraud, money laundering, or any illegal activity
• Creating multiple accounts to abuse promotions, rewards, or referral schemes
• Attempting to reverse-engineer, hack, or disrupt WiseSub's platform or infrastructure
• Providing false or misleading information during registration or transactions
• Using automated bots or scripts to interact with the platform

Violation of these terms may result in immediate account suspension, forfeiture of wallet balance, and where applicable, referral to law enforcement.

08Refunds & Disputes

WiseSub is committed to resolving transaction issues promptly.

To raise a dispute, contact us at support@wisesub.com.ng or via WhatsApp support.

09Limitation of Liability

To the fullest extent permitted by Nigerian law:

• WiseSub is not liable for any indirect, incidental, or consequential losses arising from your use of the platform
• WiseSub is not responsible for service disruptions caused by third-party network providers (MTN, Airtel, Glo, 9mobile, DISCOs, or cable TV providers)
• WiseSub's total liability to you for any claim arising from platform use shall not exceed the amount of the transaction in dispute
• WiseSub does not guarantee uninterrupted or error-free access to the platform at all times

10Termination

Either party may terminate this agreement at any time.

• You may close your account at any time by contacting support@wisesub.com.ng
• WiseSub may suspend or permanently close your account if you violate these Terms, engage in fraudulent activity, or pose a risk to other users or the platform
• Upon termination, unused wallet balance will be forfeited unless the termination is initiated by WiseSub without cause — in which case any remaining balance will be refunded
• WiseSub reserves the right to retain transaction records as required by Nigerian law even after account closure

11Changes to These Terms

WiseSub may revise these Terms at any time. When we make material changes, we will update the "Last updated" date and notify users via email or an in-platform notice. Your continued use of WiseSub after any changes take effect constitutes your acceptance of the updated Terms.

12Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or relating to these Terms or your use of WiseSub shall be subject to the exclusive jurisdiction of the Nigerian courts.

13Contact Us

If you have any questions about these Terms and Conditions, please contact us: