Terms of Service

1. Who we are

TopUpBaba is operated by Labtech. These Terms govern your use of our website and wallet service for buying airtime, data, cable TV subscriptions, and electricity tokens in Nigeria. By creating an account, you agree to these Terms.

2. Your account

You must provide accurate information when signing up. You're responsible for keeping your password and transaction PIN confidential, and for all activity on your account. Tell us immediately if you suspect unauthorized access, and use the "log out of all other devices" option in Settings if needed.

3. Wallet and payments

Your wallet balance can be funded by card, bank transfer, or USSD through our payment partner Flutterwave, or by manual bank transfer reviewed by our team. Wallet funds are only spendable within the platform on airtime, data, cable, and electricity purchases, they are not withdrawable as cash except through the referral withdrawal process described below.

4. Purchases (airtime, data, cable, electricity)

Purchases are fulfilled through third-party providers (currently VTPass). We validate and confirm your purchase before your wallet is debited. If a purchase fails after your wallet has been debited, you will be refunded once the failure is confirmed. If a provider's response is delayed or unclear, your transaction may briefly show as pending while we confirm what happened, we do not guess or assume in either direction until we have a definite answer.

5. Identity verification

To protect your referral earnings from being redirected by anyone else, we verify your bank account name against your government-issued bank record the first time you link an account, and lock that identity to your profile. Any bank account you link later must resolve to a name that matches your verified identity. We may decline to verify an identity that is already verified on another account.

6. Referral program

You may earn referral balance when someone you refer signs up and verifies their bank account. Referral balance can only be withdrawn to your own verified bank account, and only by premium members (see below). Free accounts keep earning and holding referral balance, but cannot withdraw it. We may withhold or reverse referral balance obtained through fraudulent, abusive, or bot-driven signups.

7. Premium membership

Premium membership (monthly or lifetime) is required to withdraw referral balance, and may reduce or remove the platform fee charged on withdrawals, as shown in your account at the time. Premium fees are billed as described at checkout; monthly premium does not renew automatically and needs to be renewed manually before it expires. Fees for premium membership are non-refundable once activated.

8. Prohibited use

• Creating multiple accounts to claim more than one referral bonus for the same identity
• Using the platform for any unlawful purpose, including fraud or money laundering
• Attempting to interfere with, reverse-engineer, or abuse the platform's systems
• Providing false identity or bank account information

We may suspend, restrict, or terminate accounts that violate these Terms, with or without notice, depending on severity.

9. Limitation of liability

We work to keep purchases and payments accurate and reliable, but we are not liable for delays or failures caused by third-party providers (banks, Flutterwave, VTPass, network operators) that are outside our reasonable control. Where a provider failure is confirmed, our responsibility is to refund the affected wallet amount, not to compensate for indirect or consequential loss.

10. Changes to these Terms

We may update these Terms from time to time. Continued use of the platform after a change means you accept the updated Terms.

11. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria.

12. Contact

Questions about these Terms can be sent to support@topupbaba.com.