Terms of Service

tl;dr (no legalese)

the deal in plain language.

You must be 18+ and a Nigerian resident to use Aza.
You get a real Nigerian bank account to receive, send and pay with. AzaBill is not a bank or a microfinance bank.
When you put a bill on tab, you owe us back the principal + any agreed fee.
Don't do crime with our app. We will freeze your account and report you.
We can change features, fees, or limits — we will always tell you 30 days ahead.

1. who can use Azabill

You must be at least 18 years old, hold a valid Nigerian BVN and NIN, and be a Nigerian resident. By creating an account you confirm you meet all these.

2. your account

Your Azabill wallet is a real Nigerian bank account that you can receive into, send from, and use for everyday transactions. Your funds are held in that bank account by our regulated banking partners; we handle the app and credit features built on top. AzaBill itself is not a bank or a microfinance bank and does not hold your deposits as a bank.

You are responsible for keeping your login credentials secret. Any transaction made with your correct PIN or biometric is presumed to be authorised by you.

3. paying bills and putting it on tab

When you pay a bill, you can either pay from your wallet balance or put it on tab. On-tab payments create a short-term credit obligation: you owe Aza the principal amount plus any agreed finance fee, repayable by the due date shown before you confirm.

See our separate Loan Policy for limits, fees, due dates, and what happens if you do not pay on time.

4. fees

Sign-up, wallet, transfers, bill payments — free.
Card top-up — standard 1.5%, capped at ₦200.
Pay-later on a bill — 0% if settled within 7 days; 8% flat for 30 days after that.
Late repayment — see Loan Policy.

Fees are always disclosed on screen before you confirm.

5. things you cannot do

Launder money, finance terrorism, evade tax, or commit any other crime.
Impersonate someone else, or use someone else's BVN/NIN/account.
Run an unapproved business (money-changing, pyramid scheme, gambling, adult content).
Scrape, reverse-engineer, or build a competing product using our app or APIs.
Spam, harass, or threaten our staff or Aza, our SMS agent. Chats are recorded.

6. our liability

We are not liable for losses caused by: events outside our control (network outages, payment or bank downtime, biller system failures); your failure to keep your credentials secure; or use of the app in breach of these terms.

Our maximum liability to you for any single incident is capped at the value of the disputed transaction.

7. changes to the service

We may add, change, or remove features at any time. For material changes — including fee increases or credit limit reductions — we will give you at least 30 days' notice in-app and by email.

8. suspension and termination

We may suspend or close your account if you breach these terms, are suspected of fraud, or your loan is significantly overdue. You can close your account at any time from settings, subject to settling any outstanding tab first.

9. disputes

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes you cannot resolve through our care channels will be referred to arbitration in the FCT, Abuja, under the Arbitration and Conciliation Act.

10. contact

Questions about these terms? Email [email protected] or use in-app support.

Terms.