Legal

1. Who we are

ShommyX Mobile ("ShommyX", "we", "us") sells prepaid mobile products for Nigerian networks: airtime, data bundles, and calls to Nigerian numbers. By creating an account you agree to these terms. If you don't agree, don't create an account.

2. Your account

You need a valid email address and phone number. One person, one account — you may not hold several. Keep your password to yourself; you're responsible for what happens on your account until you tell us it's been compromised.

You must be old enough to enter a contract where you live, and the payment method you use must be yours.

3. Your balance

Money you add becomes a prepaid balance for buying ShommyX products. It isn't a deposit, we don't pay interest on it, and it isn't protected the way money in a bank is.

You hold up to two balances: a naira balance and a dollar balance. They are separate and we never convert one into the other. Which one gets funded is decided by how you paid — a card or transfer in naira funds your naira balance; a card payment in dollars funds your dollar balance. Prices are set in each currency independently; they are not one price run through an exchange rate.

4. No withdrawals — and the exceptions

You cannot withdraw your balance to a bank account on demand. It is there to buy airtime, data and calls, and that is the only thing it does.

We will refund your unspent balance if:

• we cannot supply a product you have paid for;
• we suspend or close your account (unless it was closed for fraud);
• we stop offering the service; or
• the law where you live requires it.

Refunds go back to the card or account you paid from, not to a different one. We may ask you to confirm your identity first.

5. Buying products

The price you see at the moment you buy is the price you pay. Prices change — usually because a network or our supplier changes theirs — and a change never applies to something you have already bought.

Airtime and data are delivered by the mobile networks through our supplier. They are usually instant but occasionally delayed, and once delivered to a number they cannot be reversed. So check the number before you buy. We can't recover a bundle sent to a wrong-but-valid number, any more than a bank can recall cash.

If a purchase fails, we refund it to your ShommyX balance — the same balance it came from.

6. Calls

Calls are billed per minute, rounded up — a call of 61 seconds costs two minutes. When your balance runs out, the call ends. Call quality depends on the internet connection at your end and the mobile networks at the other, and we can't promise either.

Emergency numbers are not supported. ShommyX is not a replacement for a real phone line.

7. What you must not do

• Use someone else's payment method, or one you're not allowed to use.
• Resell what you buy from us, or use ShommyX as a way to move money.
• Hold more than one account, or evade a limit we've set.
• Use ShommyX for anything illegal, or to harass anyone.

If we reasonably believe you are doing any of this, we may suspend or close your account and refuse to refund a balance built from it.

8. Bonuses and referrals

From time to time we offer promotional credit — a welcome bonus for new members, and a referral reward for introducing someone genuinely new to ShommyX. These are optional promotions, not part of the money you add, and they are one per person. We may set, change or end the amounts and the conditions to unlock them at any time.

Because they are one per person, we watch for abuse:

• Multiple accounts. If we find that one person is running more than one account to claim the welcome bonus more than once, the bonus is held. If it has already been spent, we recover it from your next top-up before the rest of that top-up is credited.
• Self-referral. If we find that a referral is not a genuine introduction of a new person — for example, referring yourself through another account you control — the referral reward is held. If it has already been spent, we recover it from your next top-up before the rest of that top-up is credited.

A held bonus stays held until we're satisfied it was earned fairly; if it wasn't, we remove it. This only ever affects the promotional credit — never the money you added yourself.

9. Limits

We set limits on how much you can add — per payment and per day — and we change them as the business grows. The limits exist so we never hold more of your money than we can actually deliver against.

10. Availability

Sometimes we can't sell. A network is down, our supplier is unavailable, or our own stock of a product has run out. When that happens the app says so and you are not charged. We don't promise the service is always available.

11. If something goes wrong

If we get something wrong, we'll put it right — by delivering what you paid for, or refunding it. Beyond that, we are not liable for indirect losses: a missed call, a business opportunity, or anything we couldn't reasonably have foreseen. Nothing here limits liability that the law does not allow us to limit — including for fraud.

12. Changes to these terms

We may change these terms. If a change materially affects you — what happens to your money, what we refund, what you're agreeing to — we'll ask you to accept the new version before you carry on. Small corrections we'll just make.

13. Closing your account

You can close your account at any time by asking us. We'll refund your unspent balance under clause 4. We may close your account if you break these terms, or with reasonable notice for any other reason — and if we do, clause 4 applies.

14. Law

These terms are governed by the laws of the Federal Republic of Nigeria. If you live somewhere else, you may also have rights under your own consumer law that these terms cannot take away.

15. Contact

Questions, problems, or a refund request: support@shommyxmobile.com.