Terms of Use

1. Your agreement with Bryansub

“Bryansub”, “we”, “us” and “our” refer to the operator of the Bryansub platform. “You” means the account holder or person using the services. Creating an account or placing an order confirms that you have read and accepted the applicable Terms. If you do not agree, do not fund a wallet or place an order.

Any service-specific conditions disclosed before payment form part of your purchase. If a term conflicts with a right or obligation that Nigerian law makes compulsory, the legal requirement takes priority.

2. Eligibility and account information

You must be at least 18 and legally able to enter a binding agreement to open an account. Use an email address you control and give accurate contact information. Verify your email, complete the required account setup and update information when it changes. Do not impersonate another person or create accounts to evade restrictions.

When identity checks are enabled, access to a service or transaction limit may depend on verification. NIN or BVN checks must relate to your own identity. A verified full name is taken from the verification result; correcting it may require a further check rather than a manual profile edit.

3. Account and payment security

Keep your password, email codes and transaction PIN private. Do not allow another person to operate your account or approve a payment you do not recognise. Bryansub support will never ask you to disclose your password or transaction PIN.

Notify us promptly if you suspect account access, identity misuse or an unauthorised transaction. We may ask for information needed to establish account ownership and investigate. Your security responsibilities do not remove any remedy available for a failure for which Bryansub is legally responsible.

4. Available services and provider conditions

Bryansub offers the services displayed on the platform, which may include airtime, data, cable television, electricity, examination PINs and internet subscriptions. Availability depends on the selected network, biller, plan and enabled payment connection.

Plan size, validity, eligibility and use restrictions matter. A social, Facebook, YouTube or night bundle may not work as general-purpose data. Check these restrictions and confirm that a number, meter or subscription account belongs to the provider you select. We do not promise that every provider or plan will be available at all times.

The current website includes simulated account, payment and identity-verification features. A simulated balance or receipt is not evidence of a real payment, deposited money or a completed identity check. Do not send funds or identity information to a channel that has not been enabled for live use.

5. Prices, authorisation and order details

The total price, any applicable charge and the selected service should be shown before you confirm. Review the recipient number, network, plan, validity, smartcard number, meter type, meter number and examination product as relevant. You are responsible for the details you submit; our validation screens do not replace your final review.

Confirming a purchase authorises us to debit the displayed amount from your available wallet balance and submit the order for fulfilment. A receipt records a transaction; its status and the provider’s delivery records determine whether the service completed. Correctly delivered digital services are often irreversible.

We may update prices for future orders. A price change does not retrospectively increase the price of an order already accepted. If an obvious pricing or technical error prevents fulfilment, we will explain the issue and resolve the affected debit under the Refund Policy.

6. Funding and use of your wallet

Fund only through the payment instructions shown in your own account, using a payment method you are authorised to use. A transfer screenshot, bank alert or payment initiation does not by itself confirm that Bryansub received funds. Wallet credit follows successful payment confirmation and reconciliation.

A successfully funded wallet is a prepaid balance for available Bryansub services. Bryansub does not provide routine cash withdrawals, peer-to-peer transfers or a change-of-mind return of completed wallet top-ups to your bank account. Check the amount and accept this restriction before funding. The wallet is not offered as a savings account or an interest-bearing deposit.

A confirmed reversal of a failed service purchase normally restores the amount to the same wallet for further purchases. It does not create a right to withdraw the wallet balance. Failed funding, a processing error or unauthorised payment must be investigated separately; remedies required by law are not excluded.

7. Pending transactions and service delivery

A pending order is unresolved and may still complete. Do not repeat it merely because delivery is delayed. Check the transaction reference and contact support if the result is unclear. Provider outages, bank reconciliation and recipient-account issues can affect timing.

We will use the available payment and provider records to determine whether an order completed, failed or requires further investigation. Where we are responsible for an undelivered service, we will provide the remedy required by the purchase terms and applicable law. An order is not automatically refundable simply because an app notification or SMS is delayed.

8. Referrals, rewards and promotions

A referral reward or promotional credit is governed by the rules displayed for that offer, including qualifying purchases, exclusions and any redemption threshold. Do not assume a promotional credit is cash or can be withdrawn unless the offer expressly provides for this.

Self-referrals, fictitious accounts, reversed qualifying transactions and manipulation of an offer may lead to cancellation of the affected reward after review. Changes to an offer apply as stated in its published terms and do not remove an earned entitlement protected by law.

9. Prohibited use

Use Bryansub only for lawful, authorised purchases. Do not submit stolen payment credentials, launder funds, exploit errors, upload malicious material, interfere with the platform, misrepresent a completed payment as failed or use support channels to harass others.

We may restrict a transaction or account where there is a reasonable security, fraud, legal or operational concern. We will explain a restriction where lawful and practicable and allow a genuine issue to be reviewed. Account restrictions do not entitle us to confiscate a valid balance without a lawful basis.

10. Complaints, reversals and account closure

Report a payment issue using the support options published on the platform and keep the transaction reference, amount, date and relevant provider details. Follow the Refund Policy for the distinction between a failed bank payment, a completed wallet top-up and a failed service purchase.

You may ask to close your account through the published contact channel. Closure does not turn prepaid wallet credit into a routine cash-withdrawal entitlement. Any disputed balance, outstanding order or legal refund claim must be resolved on its merits; closing or suspending an account does not extinguish a valid claim.

11. Service responsibility and limitations

We will exercise reasonable care in providing the services we undertake to supply. Network coverage, bank systems and biller operations are outside our direct control, but using a third-party provider does not remove responsibilities that applicable law places on Bryansub.

We do not guarantee uninterrupted access or delivery of every order within a fixed number of seconds. You should keep alternative arrangements for time-sensitive electricity, connectivity or subscription needs. We are not responsible for a loss to the extent it was caused by incorrect details you supplied or an event for which we are not legally responsible.

Nothing in these Terms excludes liability for fraud, a legally actionable failure in our service, or any liability or consumer remedy that cannot lawfully be excluded.

12. Website content and third-party links

Bryansub’s interface, original content and brand assets may not be copied or used to impersonate the service. Provider names and logos remain the property of their respective owners and identify the services offered.

An external website, payment page or WhatsApp conversation is subject to that provider’s own terms and privacy practices. Check the destination before sharing information. A third-party link does not authorise anyone to request your PIN or password.

13. Governing law and dispute resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Please first give us an opportunity to investigate a complaint using the published support channel. Keep copies of the receipt and correspondence.

If a complaint remains unresolved, you retain the right to approach a competent court, the Federal Competition and Consumer Protection Commission, or another relevant authority. We do not require you to waive these rights as a condition of receiving assistance.

14. Changes and contact

The date at the top identifies this version. Material changes will be brought to your attention through an appropriate notice before they apply where required. A new policy will not retrospectively remove a valid remedy relating to an earlier transaction.

Use the Contact page or Help & support in your account for questions about these Terms. Use only the contact details published by Bryansub; do not rely on an unverified social-media account or personal bank account.