Welcome to Mobilenig.com, this policy represents Mobilenig.com Terms of Service ("TOS"). It supersedes any other written or oral policy. These Terms of Service apply to all users of the website, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

These Terms constitute a legally binding agreement between you and Raolak Technologies Nigeria Limited. A company incorporated under the Companies and Allied Matters Act, Laws of the Federal Republic of Nigeria with RC1461693. Operating under the brand name and website Mobilenig.com. For these Terms, any reference to “we” “us” “our” “Mobilenig” and/or any similar term shall be construed as reference to Raolak Technologies Nigeria Limited.

Kindly read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, and any associated websites, APIs, mobile applications, or retail products and/or services (collectively the “Mobilenig site & services”), you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

1.0. General Use

1.1 Eligibility
Our website and services are not directed to children under 18. We do not knowingly transact or provide any services to children under 18.

1.2 Registration
To use Mobilenig, you have to register a Mobilenig account. You must register an account with your legal name, address, telephone number, e-mail address, and affirmation of your acceptance of the Terms of Service, Privacy Policy and Anti-money Laundering Policy before you can use our website & services.

You may not have more than one Mobilenig account. We may in our sole discretion, refuse you an account, limit your account, or permanently close your account if you are suspected to be in violation of any of the terms or for any other reason deemed necessary.

1.3 Verification and Know Your Customer
We are required by law to collect and verify certain personal information for identity verification purposes and the detection of money laundering, fraud, or other financial crimes. The personal information we are required to collect may include, but not limited to, your name, telephone number, e-mail address, physical address, date of birth, bank account information and bank verification number. You represent and warrant that any information submitted to us is authentic and accurate.

You authorize Mobilenig to, either directly or through third parties, verify your identity and/or protect against fraud through any inquiries we deem necessary. Where we carry out these inquiries, you acknowledge and agree that your personal information may be disclosed to credit reference and fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full. This is an identity check only and should have no adverse effect on your credit rating.

We may, in our sole discretion, suspend or permanently close your account for any reason, including, but not limited to, if you are suspected of violating these terms, providing fraudulent or falsified information, and/or using your account in a prohibited way.

1.4 Information Update
If you change any information provided to us at registration including your name, address, phone number, email address, you agree to notify us of such change. We may be unable to respond to you if you contact us from an address, telephone number or email account that is not registered with us

1.5 Wallet and Funding
We operate an automated wallet system. This can be used to pay for any of our products and services. Funding the wallet is quite easy. It can be funded using any of the following means: Bank Transfer, ATM Card (online funding) and Airtime.

1.6 Unique Account Number
Having completed your Mobilenig account registration; you need to generate a unique Mobilenig account number. You can deposit or transfer fund into your unique MobileNig account number to get credited instantly. You can pay any amount, at any time, using any means (Website, Mobile App, USSD, ATM, POS etc.) to the unique MobileNig account number to credit your wallet instantly. This is subject to applicable charges.

1.7 Pricing
Prices for our products and services are subject to change without notice.

1.8 Taxes
You are solely responsible for all taxes, which you are under a legal obligation to pay.

1.9 Account Security
You acknowledge and accept that you are completely responsible for protecting your account information, which include but not limited to, your password, Mobilenig transaction pin, email address and telephone number. You are aware of phishing and spoofing attacks carried out through email, and you will carefully review communications to ensure they are legitimate and originate from us. We assume no responsibility for any loss that may be sustained due to a compromise of your account, your personal information, or failure to follow communications delivered to you, or damages or interruptions caused by computer viruses, spyware, or other malware that may be contained in phishing attacks and messages. Always access your Mobilenig account directly through our website to prevent any unauthorized access to your account.

If you believe your Mobilenig account has been compromised, you are uncertain about a message, or you suspect a phishing scam, please report the situation immediately to mobilenigtech@gmail.com Any automated means of accessing our services not approved and provided by us is expressly prohibited

1.9.1 Security Reminder
Mobilenig support teams will never ask you to divulge your password or Mobilenig transaction pin. Persons or messages asking you to reveal your login or password or transaction pin are illegitimate even if they seem to be legitimate. Be suspicious-- ignore or delete such requests.

1.10 Account Suspension and Permanent Closure
We may suspend, restrict, or permanently close your Mobilenig account for any reason deemed necessary, including, but not limited to, a court or authorized governmental agency order; heightened legal or regulatory risk to us; abuse of the Mobilenig account, system, or promotions; or inability of our partners to support your Mobilenig account. You acknowledge and accept that we are not required to notify you of our actions or the reason, and that the decision may be based on confidential criteria and information. You may close your Moblienig account at any time by contacting mobilenigtech@gmail.com

1.11 Disclaimer
We try to always keep Mobilenig available, bug-free, and safe. However, you use it at your own risk. Our website and services are provided “as is” without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, Mobilenig makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error free. No advice or information, whether oral or written, obtained by you through our website or from Mobilenig, its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, "Mobilenig parties") shall create any warranty.

1.12 Dispute Resolution and Waiver
We shall make an effort to settle all disputes amicably. Any dispute arising out of this Agreement which cannot be settled, by mutual agreement/negotiation shall be referred to arbitration, by a single arbitrator at the Oyo State Multi-Door Courthouse (“OYSMDC”) and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both parties (we and you). Where parties are unable to agree on the choice of an arbitrator, the choice of arbitration shall be referred to the OYSMDC. The findings of the arbitrator and subsequent award shall be binding on parties. Each of us shall bear our respective costs in connection with the Arbitration. Venue for the arbitration shall be Ibadan, Oyo State, Nigeria.
Parties (we and you) hereby expressly waive trial by any court proceedings and the right to participate in a class action lawsuit or class-wide arbitration. The prevailing party in the proceeding is entitled to reasonable costs and attorneys’ fees.
Kindly contact support@mobilenigtech@gmail.com or open a support ticket on our website with any feedback, questions, or complaints relating to our website and services.

General Provisions

2.0 Intellectual Property
We do not grant any right or license to any Mobilenig intellectual property rights by implication, estoppel or otherwise.

2.1 Privacy Policy
Mobilenig is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.

2.2 Acceptable Use Policy
By accessing or using Mobilenig, you agree to comply with the terms and conditions of this Acceptable Use Policy.

2.3 Governing Law
These terms of service will be construed in accordance with and governed by the laws of the Federal Republic of Nigeria.

2.4 Severability
If any portion of these Terms of Service is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Service and shall not affect the validity or enforceability of any other part in this Terms of Service.

2.5 Miscellanous
You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Assigning or sub-contracting any of your rights or obligations under these Terms of Service to any third party is prohibited. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms of Service to any third party.

2.6 Restricted Activities
You may not use Mobilenig in connection with any product, service, transaction, or activity that:

  1. violates any law or government regulation, or promotes or facilitates such by third parties,
  2. is fraudulent, deceptive, unfair, or predatory,
  3. causes or threatens reputational damage to us.
You must not transmit any worms or viruses or any code of a destructive nature.

2.7 Indemnification
You acknowledge and understand the meaning and legal consequences of the representations and warranties contained in this terms, and hereby agree to indemnify and hold harmless Mobilenig, any of our affiliate, the officers, members, managers, associates, related entities, agents, and employees of Mobilenig and their affiliates, and any professional advisers to any of the above parties, from and against any and all loss, damage or liability (including costs and reasonable attorneys’ fees) due to or arising out of a breach of any representation, warranty or acknowledgement of yours, your failure to fulfill any obligation contained in these terms of service or violation of any laws, rules or regulations, or the rights of any third party by you.

2.8 Force Majeure
We shall not be liable for any failures or delays resulting from any situation beyond our reasonable control, including, but not limited to, civil unrest, government actions, earthquake, fire, flood, pandemic, epidemic, other acts of God, equipment failures, and Internet outages.

2.9 Amendments
We may, to the extent permitted by applicable law, amend these terms and conditions (or add additional terms) at any time by posting the amended terms on the website, and any such amendment shall be effective upon such posting on the website. The amended terms shall be deemed accepted by you. If you do not agree to the amendments, your sole remedy is to immediately terminate use of our services and close your account.
You agree that we shall not be liable to you or any third party for the loss suffered by modification or termination of our services or the suspension or termination of your Mobilenig account and access to our services. If an amendment is made for security purposes, Mobilenig may implement such amendment immediately, without prior notice to you and before such change may be posted on the website.

Every effort is made to keep the website up and running smoothly. However, we take no responsibility for, and will not be liable for the website being temporarily unavailable due to technical issues beyond our control.

We do hope you enjoy our service and refer others to us.

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