Terms of Service

Agreement to These Terms

These Terms of Service (the "Terms") form a legal agreement between you and BriskVTU, a subsidiary company of SolutionsCrafts LLC, a company registered in the United States. BriskVTU is one of several businesses operating within the SolutionsCrafts group. These Terms govern your use of the BriskVTU mobile applications, the website at briskvtu.com, and every service we provide through them (together, the "Services").

In these Terms, "BriskVTU", "we" and "us" mean BriskVTU and, where the context requires, its parent company SolutionsCrafts LLC.

By creating an account, funding a wallet or completing a transaction, you confirm that you have read, understood and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Services.

Who Can Use BriskVTU

To open and operate a BriskVTU account you must:

• Be at least 18 years old and legally capable of entering into a binding contract;
• Provide accurate, current and complete registration information;
• Use the Services only for lawful purposes and in compliance with the laws of your country of residence and of Nigeria;
• Not be barred from using the Services under any applicable sanctions or laws.

We may refuse, suspend or close any account at our discretion where these conditions are not met.

Your Account

You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Notify us immediately at hello@briskvtu.com if you suspect unauthorised access.

You agree not to create an account on behalf of someone else without their permission, not to operate multiple accounts to abuse rewards or referral programmes, and not to transfer your account to another person.

The Services We Provide

BriskVTU acts as an intermediary. We accept your payment instruction and pass it to the relevant mobile network, electricity distribution company, cable television provider or licensed aggregator that actually delivers the value. Currently we support:

• Airtime recharge — MTN, Glo, Airtel and 9mobile
• Data top-up — data bundles across all supported networks
• Electricity payments — prepaid and postpaid meters across Nigerian distribution companies
• Cable TV subscriptions — DStv, GOtv, StarTimes and Showmax
• Bulk utility purchase — multiple numbers or meters in a single transaction
• Wallet, cashback, coupons and referrals — as described in these Terms

We may add, change, suspend or withdraw any service, provider or feature at any time.

Wallet, Funding and Currency

Transactions are paid for from your BriskVTU wallet, which you fund using a debit or credit card. Card details are processed by our third-party payment processor; we do not store full card numbers.

Where you fund your wallet in a currency other than Nigerian Naira, the amount is converted at the rate applied at the time of the transaction. That rate is displayed to you before you confirm. Your card issuer may apply its own fees or rates, which are outside our control.

Your wallet is a prepaid balance held for the purpose of paying for utilities through BriskVTU. It is not a bank account, it does not earn interest, and it is not a deposit or investment product.

Your Responsibility for Recipient Details

If you enter the wrong number, the value will be delivered to whoever holds that number, and we will generally be unable to reverse the transaction or issue a refund. Networks and utility providers do not retrieve value that has been correctly delivered to the destination they were given.

Please check every digit before confirming. Saving frequent recipients as beneficiaries is the simplest way to reduce this risk.

Pricing, Fees and Delivery

The price of each transaction is displayed before you confirm it. Prices for airtime, data, electricity and cable subscriptions are set by the providers and may change without notice.

Most transactions are delivered within seconds. However, delivery depends on the systems of the network or utility provider, which may experience delays, maintenance or outages. We do not guarantee a specific delivery time, and delays caused by a provider are outside our control.

Where an electricity payment produces a token, that token is displayed in your transaction history and can be retrieved there at any time.

Failed Transactions and Refunds

If a transaction fails and the value is not delivered, the amount is returned to your BriskVTU wallet. Depending on the provider's systems, this may be automatic or may require reconciliation on our side, which can take a short period.

Refunds are made to your BriskVTU wallet balance. Where a refund to your original payment method is appropriate and possible, we will process it, though timing then depends on your card issuer.

We are not obliged to refund a transaction that was delivered successfully to the details you supplied, including where those details were entered incorrectly. If you believe a transaction has failed or been mis-delivered, contact us at hello@briskvtu.com as soon as possible with the transaction reference.

Cashback

We credit cashback on qualifying transactions. Cashback accrues to a separate Cashback Balance in your wallet and may be used towards future purchases on BriskVTU.

• Cashback rates are set by us and may be varied, reduced or withdrawn at any time without prior notice, at our sole discretion. The rate applied is the rate in effect at the time of the transaction.
• Cashback has no cash value outside the platform and is not redeemable for cash unless we state otherwise.
• Cashback earned on a transaction that is later reversed or refunded may be withdrawn.
• We may withhold, reverse or cancel cashback obtained through abuse, manipulation or breach of these Terms.

Coupons and Gifting

You may create coupons funded from your wallet and share them with others. Two modes are available:

• Shared gifting — one code usable by multiple people, each redeeming one allocation.
• Assigned gifting — one code linked to a specific person for the full value.

You set the value, the maximum number of uses and the expiry date. Once created and funded, the amount is committed from your wallet. Coupon rules, limits and availability may change at any time without prior notice.

• You are responsible for who you share a code with. Anyone holding a valid code within its terms may redeem it. Treat codes like cash.
• Unredeemed value on an expired coupon is returned to your wallet unless stated otherwise at the time of creation.
• We may cancel coupons created fraudulently, funded by a reversed payment, or used to breach these Terms.

Referral Programme

Each account can generate a referral code. When a new user signs up using your code:

• They receive 5% cashback as a welcome bonus;
• You earn 5% commission on their qualifying transactions during their first 30 days;
• A milestone reward of ₦2,500 becomes payable once a referred user's total qualifying purchases reach ₦50,000.

The rates and thresholds set out above describe the programme as at the date of these Terms. They are illustrative and not a guarantee. The authoritative, current terms are always those displayed in the Referral Dashboard inside the app at the time a referral is made, and those terms govern.

Changes are not retroactive to commission already credited to your account, but they do apply to all referrals and transactions occurring after the change takes effect. Continuing to participate after a change means you accept the revised programme terms. Nothing in this section obliges us to operate a referral programme, and we may suspend or discontinue it entirely at any time.

Referrals must be genuine. Self-referrals, duplicate or fake accounts, automated sign-ups, incentivised or misleading promotion of your code, and any other manipulation will result in forfeiture of accrued earnings and may lead to account suspension or closure.

Acceptable Use

You agree not to use the Services to:

• Break any law, or facilitate money laundering, terrorist financing, fraud or the proceeds of crime;
• Use stolen, unauthorised or fraudulently obtained payment instruments;
• Resell, redistribute or commercially exploit the Services without our written permission;
• Manipulate cashback, coupons or referrals, including through multiple or automated accounts;
• Interfere with, probe, reverse-engineer, scrape or attempt to gain unauthorised access to our systems;
• Upload malicious code or attempt to disrupt the Services for others;
• Impersonate another person or misrepresent your identity.

We may investigate suspected breaches, suspend access, withhold balances pending investigation, and report matters to the relevant authorities.

Service Availability

We aim to keep the Services running continuously but do not guarantee uninterrupted or error-free operation. Access may be limited by scheduled maintenance, technical failures, provider outages, network problems or events beyond our reasonable control.

We may modify, suspend or discontinue any part of the Services at any time. Where a change materially affects you, we will give reasonable notice where practicable.

Intellectual Property

The BriskVTU name, logo, applications, website, design, text, graphics and software are owned by BriskVTU, SolutionsCrafts LLC or their licensors and are protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the Services for their intended purpose. You may not copy, modify, distribute, sell, licence or create derivative works from any part of the Services without our written permission. Third-party names and logos, including those of networks and utility providers, remain the property of their respective owners.

Disclaimers

To the fullest extent permitted by law, the Services are provided "as is" and "as available", without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that the Services will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that any specific transaction will be delivered within a particular timeframe.

We are not responsible for the acts or omissions of mobile networks, electricity distribution companies, cable television providers, aggregators, payment processors, card issuers or any other third party.

Limitation of Liability

To the fullest extent permitted by law, BriskVTU, SolutionsCrafts LLC and their respective officers, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profits, revenue, data, goodwill or business opportunity, arising out of or connected with your use of the Services.

Our total aggregate liability to you for any claim arising out of or relating to these Terms or the Services will not exceed the greater of (a) the total amount of fees we retained from you in the three months preceding the event giving rise to the claim, or (b) the value of the specific transaction that gave rise to the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

Indemnity

You agree to indemnify and hold harmless BriskVTU, SolutionsCrafts LLC and their respective officers, employees and agents from any claim, demand, loss, liability or expense (including reasonable legal fees) arising from your use of the Services, your breach of these Terms, your violation of any law, or your infringement of any third party's rights.

Suspension and Termination

You may stop using the Services and request closure of your account at any time by contacting hello@briskvtu.com. Any remaining wallet balance will be dealt with in accordance with applicable law and our verification procedures.

We may suspend or terminate your access, with or without notice, if we reasonably believe you have breached these Terms, if we are required to do so by law, if we suspect fraud or unlawful activity, or if continuing to provide the Services would expose us to legal or financial risk.

Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnity and governing law — will continue to apply.

Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page shows when the current version took effect. Where changes are material, we will provide notice through the app, by email or on our website before they take effect.

Continuing to use the Services after revised Terms take effect means you accept them. If you do not accept the revised Terms, you should stop using the Services and may close your account.

Governing Law and Disputes

These Terms and any dispute arising from them are governed by the laws of the Commonwealth of Massachusetts, United States, without regard to conflict-of-law rules. You and we submit to the exclusive jurisdiction of the state and federal courts located in Massachusetts.

If you are a consumer resident in the European Economic Area, the United Kingdom or another jurisdiction with mandatory consumer protection rules, nothing in this section deprives you of the protection of those rules or of the right to bring proceedings in the courts of your country of residence.

Before starting formal proceedings, please contact us. Most issues are resolved quickly and informally by our support team.

General

• Entire agreement — these Terms and the Privacy Policy form the whole agreement between you and us regarding the Services.
• Severability — if any provision is found unenforceable, the remaining provisions continue in full force.
• No waiver — our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment — you may not transfer your rights under these Terms without our consent. We may assign ours to any member of the SolutionsCrafts group, or in connection with a merger, acquisition or sale of assets.
• Language — these Terms are written in English, which governs in the event of any translation conflict.

Contact Us

Questions about these Terms, or anything else? Our support team is available around the clock.