Terms of Service

Welcome to Ay Global Data ("Company", "we", "our", "us"). These Terms of Service ("Terms") govern your use of the Ay Global Data website, mobile applications, API, and all related telecommunication and fintech services provided by us.

By accessing or using our platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use our services.

1. Acceptance of Terms

By creating an account or performing any transaction on Ay Global Data, you confirm that you are at least 18 years of age, or you are accessing the service under the supervision of a parent or legal guardian. You agree to provide accurate and complete information during the registration process.

2. Account Registration and Security

To use our services, you must register an account using your legal name and an active phone number. You are entirely responsible for maintaining the confidentiality of your Login Password and Transaction PIN.

• Ay Global Data will never ask for your password or PIN via calls, SMS, or WhatsApp.
• You are legally responsible for all activities that occur under your account.
• In the event of unauthorized access, you must notify us immediately at Support@ayglobaldata.com.

3. Wallet Funding and Payments

We provide automated virtual bank accounts (e.g., Moniepoint, Wema Bank, Sterling Bank) attached to your profile for wallet funding.

• Any funds transferred to these accounts will be credited to your Ay Global Data wallet instantly.
• In instances of bank network failures beyond our control, funding may be delayed. The company is not liable for delays caused by the Central Bank of Nigeria (CBN), NIBSS, or commercial banks.
• Users are prohibited from funding wallets with proceeds of crime, fraud, or money laundering.

4. Delivery and Zero Refund Policy

Due to the irreversible digital nature of Virtual Top-Up (VTU) products:

All successful sales of Data, Airtime, Utility Bills (Electricity/Cable TV), Exam Pins, and API transactions are FINAL and NON-REFUNDABLE.

If a transaction fails from our end and value is not delivered, your Ay Global Data wallet will be automatically or manually refunded. However, if you input an incorrect phone number or meter number and the transaction is successfully processed by the network provider, Ay Global Data will not be held liable and no refund will be issued.

5. Prohibited Activities & Account Termination

You agree not to engage in any of the following activities. Violation of these rules will result in immediate account termination, forfeiture of wallet balance, and potential reporting to law enforcement agencies:

• Using stolen credit cards, hacked bank accounts, or fraudulent means to fund your wallet.
• Attempting to hack, reverse-engineer, or bypass our security systems.
• Creating multiple fake accounts to exploit the Referral Program.
• Using our platform to facilitate scams, terrorism financing, or illegal activities in Nigeria.

Ay Global Data reserves the right to suspend or permanently ban any user at our sole discretion without prior notice if we suspect a violation of these Terms.

6. Developer API and Commercial Use

Developers using the Ay Global Data VTU API must strictly adhere to rate limits and fair usage policies. The API is provided "as is" without warranties of any kind. Ay Global Data is not responsible for any financial loss incurred in your third-party applications due to downtime, API changes, or misconfigurations on your end.

7. Limitation of Liability

To the maximum extent permitted by law, Ay Global Data, its directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues. This includes, but is not limited to, damages resulting from:

• Network downtimes originating from telecom operators (MTN, Airtel, Glo, 9Mobile).
• National grid collapses or delays from electricity distribution companies.
• Your inability to access the service due to poor internet connection.

8. Governing Law & Exclusive Jurisdiction

These Terms of Service and any separate agreements whereby we provide you services shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Exclusive Venue: You expressly agree that any dispute, claim, or legal action arising out of or relating to your use of Ay Global Data services, the platform, or these Terms shall be filed and resolved exclusively in the competent courts within the Federal Republic of Nigeria. You consent and submit to the personal and exclusive jurisdiction of these courts and waive any objections regarding venue or inconvenient forum.

9. Changes to Terms

We reserve the right to update, modify, or replace any part of these Terms of Service at our sole discretion by posting updates on this page. It is your responsibility to check this page periodically for changes. Your continued use of our platform following the posting of any changes constitutes acceptance of those changes.

10. Contact Information

If you have any legal concerns, questions, or require support regarding these Terms, please contact us at: