You are required to read and understand these terms and conditions, as they form a binding agreement between you and Swita Limited. If you are under 18 years of age, please ensure that you review these terms with a parent or guardian.
By registering for a Swita account, you agree to comply with the terms outlined in this document. Additionally, by using a registered phone number or any associated information for accessing Swita services, you are deemed to have accepted these terms.
The following definitions relate to these Terms and Conditions:
"Account" is an electronic stored value account on Swita created for use by the customer. Credits, debits, and charges are applied to this account. The account is primarily accessed through your mobile phone and the online systems.
"ATM" means automated teller machine.
"Content" means all information whether textual, visual, audio or otherwise, appearing on or available through the services.
"Credit" means the movement of funds into an account.
"Debit" means the movement of funds out of an account.
"Linked bank account" refers to the bank account that you have linked to your Swita account. This allows you to carry out transactions using funds from your bank account instead of using your Swita account.
"Merchant" means a seller of goods and/or services who will accept Swita as payment for these goods and/or services.
"Mobile Payments" describes the service or process that allows customers to make and receive a variety of payments using their mobile phone, among other channels. This service is available as part of Swita.
"Mobile phone" means a GSM or CDMA device which can make and receive telephone calls and send and receive SMS, among other communication options.
"Registered phone number" refers to any phone number that has been registered on Swita.
"Swita" refers to the billing services or products offered by Swita Technologies Limited, with a central feature being a transactional account(s) that may be used in relation to a wide variety of services.
"Swita Technologies Limited" refers to a mobile payments platform company registered under the laws of the Federal Republic of Nigeria.
"Services" refer to any products and services provided to the customer as part of Swita.
"SMS" or "Short Message Service" is a standard communication service on GSM phones which is used to exchange short text messages between mobile devices.
"Tier 1 customer" refers to a new customer who provides the minimum either in a self sign-up by submitting their names, phone number, email address, and BVN.
"Tier 2 customer" refers to a Swita user who has submitted his/her phone number, full name, full address, and a copy of a verifiable Government ID card.
"Tier 3 customer" refers to a Swita user who has provided all required KYC details including home address and utility bill.
"PIN" means personal identification number being the secret code you choose for secure use of (and access to) your Swita account.
"Products" refer to Swita products, including electricity bill payments, airtime/data top-up, cable TV payments, and other retail payment services.
Our services are available to users who are at least 18 years old and are legally permitted to enter into binding agreements under applicable laws.
Transactions on Swita attract various fees which vary according to transaction type. We reserve the sole discretion to revise the fee from time to time.
When you initiate and confirm a transaction on Swita, you agree to be bound by and pay for that transaction. Do not commit to a transaction unless you are ready to pay and have checked that all provided information is accurate, as all completed transactions are final.
Swita is structured to make payments convenient, so we allow you to make payments using a number of different funding sources, such as your linked bank accounts and/or bank cards. When you provide us with a funding source, you also authorize:
The collection and storing of source information along with other related transaction information.
The crediting and debiting of your chosen source when you perform transactions on Swita.
When you make a payment, you authorize us (and our designated payment processor) to charge the full amount and any charges related to that transaction to the funding source you designate for the transaction. If your payment results in an overdraft or other fee from a related party, liability for such fees or penalties will rest solely with you.
To prevent financial loss or possible violations of the law, Swita reserves the right to use its discretion in disclosing details of any payments associated with you to funding source issuers, law enforcement agencies, or impacted third parties (including other users). Such disclosures will originate from an order of any trial court with the jurisdiction to compel such a disclosure.
You are responsible for protecting your computer against computer viruses when you use the Internet to access our website and Internet banking facilities. We are not liable for any computer program or code that may originate from our systems, and you indemnify us against any claims made in this regard.
When signing up for a Swita account, you will be prompted to create a unique Personal Identity Number (PIN), username, password, and provide answers to one or more security questions of your choosing. You are responsible for the safekeeping and proper use of this security data.
If at any time you believe or discover that your PIN has been stolen or compromised, you should contact our Customer Services immediately. We will place your account on hold to prevent any transactions from being carried out as soon as we reasonably can. You will remain responsible for all transactions that occur until your account is put on hold.
Should you dispute any purchase or withdrawal debited to your account, you will be required to prove that it lacked your authorization. Such transactions will be investigated once we receive an affidavit clearly stating that you had not authorized the transaction, supported by proof of this.
We use your PIN and a selection of questions to confirm your identity when you call Customer Services. This method gives us your authorization to service your account and execute your instructions.
Swita Limited is not liable for delays, service interruptions, or failures caused by external factors beyond our control.
TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL SWITA TECHNOLOGIES LIMITED BE LIABLE FOR ANY DIRECT, SPECIAL, PUNITIVE, INDIRECT, OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, BUSINESS, OR GOODWILL, ON ANY THEORY OF LIABILITY, WHETHER ARISING UNDER TORT (INCLUDING NEGLIGENCE), CONTRACT, OR OTHERWISE, WHETHER OR NOT SWITA TECHNOLOGIES LIMITED HAS BEEN ADVISED OR IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF SWITA, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, STRICT LIABILITY, OR OTHER THEORY, ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SITE OR RELATED TO THESE TERMS, EXCEED ANY COMPENSATION YOU PAY, IF ANY, TO SWITA FOR ACCESS TO OR USE OF THE SITE.
Swita may at any time modify the terms and conditions ("Terms") of the Service by posting an updated version on our website. The revised version will be effective at the time we post it. If the revised version includes a Substantial Change, we will provide you with prior notice. You can access the latest version of the Terms at any given time. You should regularly review the Terms. However, if you continue to use the service, you agree to accept and abide by the modified Terms. Your use of the site after any amendment to the Terms of Use shall constitute your acceptance of these terms, and you also agree to be bound by any such changes/revisions.
Swita Limited reserves the right to review and update these terms periodically. Users are encouraged to review these terms regularly.
Your email address and phone number supplied at sign-up will be used as a means of communicating information, notices, and documents to you.
Any notices related to this agreement can be sent to:
Email: support@swita.ng, info@swita.ng.
We reserve the right to suspend, restrict, or terminate your access to the Swita platform (in whole or in part) without any notice or liability under the following circumstances:
- Upon receipt of instructions from you to suspend or terminate your access to the platform.
- Upon notification from you that your device has been lost or stolen.
- If we suspect the platform is being used for fraudulent or illegal activities.
- If we believe you have breached any provision in these Terms of Use.
- If we believe continued access to the platform would be detrimental to our business.
- If you provide any information that is untrue, inaccurate, outdated, or incomplete, or if we have reasonable grounds to suspect that such information is false, inaccurate, outdated, or incomplete.
You shall not, and shall not permit any person using your device or account to:
- Use this platform in a way that causes or could cause damage or restrict the availability or accessibility of the platform.
- Store, copy, transmit, publish, or distribute any computer virus, spyware, Trojan horse, worm, keystroke logger, or other malicious software via this platform.
- Conduct any fraudulent or illegal activities via the platform.
- You understand and agree that if fraudulent activity is associated with the operation of your account, we reserve the right to apply restrictions to your account and report the matter to the appropriate law enforcement agencies.
All material and services available on the site, including those provided by its affiliates, subsidiaries, employees, agents, licensors, or other commercial partners, such as software, informational text, software documentation, design elements, layout, photographs, graphics, audio, video, messages, interactive features, and files (collectively referred to as "Materials"), are owned by us or licensed to us by third parties. These materials may also be legally privileged.