Terms & Conditions

1. Acceptance of Terms

By accessing and using AEMC VTU services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use of Services

AEMC provides virtual top-up (VTU) services including but not limited to:

• Airtime purchase for all networks
• Data bundle subscriptions
• Cable TV subscriptions (DSTV, GOTV, Startimes)
• Electricity bill payments
• Educational result checker PINs
• Airtime to cash conversion

3. Account Registration

To use our services, you must:

• Provide accurate and complete registration information
• Maintain the security of your password and account
• Be at least 18 years of age
• Complete KYC verification when required
• Notify us immediately of any unauthorized use of your account

4. Wallet and Payments

All transactions are processed through your AEMC wallet:

• You must fund your wallet before making purchases
• Wallet funding is instant via automated account number
• All prices are in Nigerian Naira (₦)
• Transactions are non-refundable once completed successfully
• Failed transactions will be automatically refunded to your wallet

5. Transaction PIN

Users may set up a transaction PIN for additional security. You are responsible for keeping your PIN confidential. AEMC will never ask for your PIN via email, phone, or any other means.

6. Refund Policy

Refunds are only processed in the following cases:

• Service failure due to technical issues on our end
• Duplicate transactions
• Wrong amount charged

Refunds are processed within 24-48 hours and credited back to your wallet.

7. Prohibited Activities

You agree not to:

• Use the service for any illegal purposes
• Attempt to gain unauthorized access to our systems
• Engage in fraudulent activities
• Share your account credentials with others
• Use automated systems to access the service
• Resell our services without authorization

8. Account Suspension and Termination

We reserve the right to suspend or terminate your account if you violate these terms or engage in suspicious activities. Upon account deletion, your account will be suspended for 24 hours before permanent deletion. You cannot create a new account with the same email or phone number.

9. Limitation of Liability

AEMC shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use or inability to use the service. We are not responsible for network provider failures or delays.

10. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of any material changes via email or through the platform. Continued use of the service after changes constitutes acceptance of the new terms.

11. Contact Information

For questions about these Terms & Conditions, please contact us at:

• Email: support@aemcvtu.com
• Phone: +234 800 123 4567
• WhatsApp: Available 24/7