Terms of service

About these terms

These terms are between you and GTOP TECH SERVICES ("GTOP"), a Nigerian digital services platform registered with the Corporate Affairs Commission under registration number 9811595, at Aso Street, Parkview Estate, Ikoyi, Lagos State, Nigeria. By creating an account or using the platform, you accept them. If you do not accept them, please do not use the platform.

Your account

• •One account per person, with details that are true and yours.
• •Keep your password and transaction PIN private. You are responsible for activity that happens through your account, so tell us at once if you think someone else has access.
• •We verify your email address, and our payments provider requires a BVN or NIN check before a funding account is opened for you.

Your wallet

• •You fund your wallet by bank transfer to the dedicated account issued to you through our provider, Niimbu. Money must come from your own bank account.
• •Your wallet balance is a record of funds we hold for you to buy services on GTOP. It is not a bank deposit, it earns no interest, and GTOP is not a bank.
• •You can withdraw your available balance to your own Nigerian bank account. Provider fees on a transfer are shown before you confirm.

Prices and availability

• •The price you see before you confirm is the price you pay. It includes the margin GTOP earns on the transaction.
• •Services are delivered through third-party providers, so what is available can change. Our business page lists what is live, what is being enabled and what we do not offer.

Orders are final once delivered

Airtime, data bundles, electricity tokens, recharge cards, internet subscriptions and TV subscriptions are delivered instantly and cannot be reversed by the network, disco or broadcaster. Check the number, meter or smartcard you enter before you confirm — see our refunds policy for what happens when an order fails.

Failed and pending orders

• •If the provider fails an order, the full amount charged is returned to your wallet automatically. You do not need to ask.
• •If an order sits pending, the platform checks the provider's status. If it stays unresolved, contact support with the reference and we will settle or refund it.

Acceptable use

• •No fraud, impersonation, money laundering or use of the platform with funds that are not yours.
• •No reselling, sub-reselling or automating GTOP services without a reseller agreement with us.
• •No probing, scraping, rate-limit bypassing or attempts to access another person's account or data.
• •We may suspend an account that breaks these rules. Where that happens we tell you why, and return any unused balance that is not tied to a dispute.

Reseller API (own-website programme)

• •Your four credentials are personal to your business. They are shown once; keep them on your own server, never in client-side code.
• •Every request must be signed with your signing secret. Orders are paid from your GTOP wallet, and your own customers pay you directly on your website.
• •Your relationship with your own customers, including your prices and your terms, is between you and them. GTOP is not a party to it.
• •We send signed webhook notifications for order changes, and failed deliveries can be retried. Your plan sets your request rate limit.
• •We may suspend API access with a recorded reason if credentials are abused or shared.

Programme availability

Both reseller programmes are Coming Soon. Registration, registration fees, subscription purchases, referral links and API access stay closed until the payment setup behind them is confirmed live and tested. While they are closed we take no reseller payment and issue no commission, and any access already granted to an account remains visible in its record.

Third-party services

VTU services are fulfilled through Niimbu, our payments and bills provider. We do not control the network operators, discos or broadcasters whose services we sell, and their names and marks belong to them. We claim no endorsement, approval or partnership with them, or with any payment provider, beyond being their customer.

Liability

We provide the platform with reasonable care and skill. We are not liable for indirect or consequential losses, or for a provider's outage, delay or decision. Where we are liable, our liability is limited to the amount involved in the transaction concerned. Nothing here limits a liability that cannot be limited under Nigerian law.

Changes and governing law

We may update these terms; when we do, we change the date at the top. These terms are governed by the laws of the Federal Republic of Nigeria. Contact us first at gtoptechservices@gmail.com so we can try to resolve any dispute directly.