You must be at least 18 years old and able to enter a binding agreement. You must give us accurate details, and keep them up to date.

Your account is personal to you. Keep your password, transaction PIN and one-time codes private. Anything done with your PIN is treated as done by you, so tell us immediately if you think someone else has access.

Money you add to your wallet is held for you and can be spent on the services in the app. Balances are shown in naira. We only ever show confirmed balances, never estimates.

Every payment needs your transaction PIN. Once a payment to a network or biller succeeds, it usually cannot be reversed. Where a payment fails after your wallet was debited, the amount is returned to your wallet automatically.

If something goes wrong, contact support within 30 days. We will investigate, share what we find, and refund your wallet where the fault is ours or the biller's.

Do not use Noventa for fraud, money laundering, or anything illegal. Do not try to break, probe or overload the service, or use another person's account.

We may pause an account while we investigate suspicious activity. You can deactivate or close your account at any time from your profile, as long as your balance is zero and no payments are still pending.

We work hard to keep Noventa available and accurate, but we do not promise it will never be interrupted. We are not responsible for losses caused by events outside our control, such as a network operator's downtime.

We may update these terms. If a change materially affects you we will tell you in the app before it takes effect.

Questions about these terms? Reach us from the Get help screen in the app.