2.1 Age Requirement

You must be at least 18 years old to use Ransarve. By registering, you confirm that you are of legal age and capable of entering into a binding contract.

2.2 Account Information

During registration, you agree to provide accurate, truthful, and complete information including:

• Full legal name
• Valid email address
• Active phone number
• Strong and confidential password

You are responsible for maintaining the confidentiality of your password and account. You agree not to share your credentials with third parties. Ransarve is not liable for unauthorized access resulting from your disclosure of account details.

2.3 One Account Per Person

You may not create multiple accounts. One person may not operate more than one active Ransarve account. We reserve the right to identify and suspend duplicate accounts. Suspended accounts may forfeit wallet balances at our discretion.

2.4 Account Security

You are solely responsible for all activity on your account. We recommend:

• Using a strong, unique password
• Never sharing your password or OTP codes
• Logging out after each session
• Reporting unauthorized access immediately to ransarvecom@gmail.com

3.1 Funding Method

Currently, you can fund your Ransarve wallet by making a manual bank transfer to our designated account. Bank account details are provided on the platform dashboard. Minimum funding amount is ₦100. Maximum daily funding limit is ₦500,000 (subject to change without notice).

3.2 Processing Fees

Every manual wallet funding attracts a processing fee of ₦0.

3.3 Payment Proof Submission

To fund your wallet, you must:

1. Transfer funds to our designated account from your bank
2. Upload a clear screenshot or photo of your bank transfer receipt/confirmation
3. Wait for admin verification (typically within 1-2 hours during business hours)

3.4 Funding Delays & Errors

Ransarve is NOT responsible for delays or failed funding resulting from:

• Incorrect bank account details or wrong account transfer
• Poor quality or unclear payment proof screenshots
• Bank processing delays or gateway issues
• Network connectivity problems

If you transfer funds to the wrong account, contact your bank for reversal. If you submit an unclear proof, you may resubmit with a clearer image.

3.5 Fund Status

Your Ransarve wallet is a prepaid virtual account. Funds are NOT bank deposits and are NOT covered by NDIC (Nigerian Deposit Insurance Corporation) insurance. Funds held in your wallet are Ransarve's liability, not a bank's.

4.1 Purchase Process

To make a VTU purchase:

1. Select the service (airtime, data, cable TV, or bill payment)
2. Enter the required details (phone number, meter number, IUC, amount, etc.)
3. Confirm the transaction
4. Funds are immediately debited from your wallet
5. Service delivery is initiated with our third-party providers

4.2 Transaction Irreversibility

Once you initiate and confirm a VTU transaction and your wallet has been debited, the transaction CANNOT be reversed or refunded unless the service delivery fails completely. Be certain before confirming.

4.3 Minimum & Maximum Amounts

Minimum VTU purchase: ₦100 | Maximum: As set by each service provider and displayed on the platform at the time of purchase.

4.4 Your Responsibility for Accuracy

You are responsible for providing correct information (phone number, meter number, IUC number, etc.). Ransarve is NOT liable for failed or incorrect transactions resulting from inaccurate data provided by you. Double-check all details before confirming a purchase.

4.5 Service Delivery Timeframe

Most services are delivered instantly. In rare cases, services may take up to 24 hours to reflect. If a service is not delivered after 24 hours, contact us immediately with your transaction ID.

5.1 When Refunds Are Issued

Refunds are issued ONLY when a confirmed service delivery failure occurs, such as:

• Airtime not credited to the phone
• Data bundle not activated
• Cable TV subscription not renewed
• Electricity bill not paid (service provider confirms rejection)

5.2 When Refunds Are NOT Issued

Refunds are NOT issued for:

• Transactions where the service was successfully delivered
• User dissatisfaction with the plan choice (e.g. "I bought the wrong data plan")
• Accidental duplicate purchases (you must verify before confirming)
• Delay in service appearance (it will reflect within 24 hours)
• Incorrect information provided by the user

5.3 How to Request a Refund

To request a refund:

1. Contact us within 24 hours of the failed transaction
2. Provide your transaction ID (found in your transaction history)
3. Describe the issue and provide evidence (screenshots, error messages, etc.)
4. Wait for verification from our support team

Approved refunds are credited back to your Ransarve wallet within 24-48 hours.

6.1 Transfer Fee

Wallet-to-wallet transfers attract a 2.5% fee on the transfer amount, deducted from your wallet. This fee is non-refundable and is clearly displayed before you confirm the transfer.

6.2 Transfer Limits

Minimum transfer amount: ₦100 | Maximum: ₦500,000 per transfer (subject to change without notice)

6.3 Irreversibility

Once you confirm a wallet-to-wallet transfer, it is INSTANT and IRREVERSIBLE. The recipient's account will be credited immediately. Double-check the recipient address before confirming to avoid sending funds to the wrong account.

6.4 Unauthorized Transfers

Ransarve is NOT liable for transfers you authorize, even if made in error. However, if you believe you are a victim of fraud or unauthorized transfer, contact us immediately at ransarvecom@gmail.com with evidence.

7.1 How It Works

Ransarve's referral programme allows you to earn wallet credits by inviting new users. When someone signs up using your referral code and makes a qualifying transaction, you receive a referral bonus.

7.2 Bonus Structure

Referral bonuses are funded from our profit margin on the referred user's first qualifying transaction. The exact bonus amount is displayed in your referral dashboard and may vary based on the transaction type. No bonus is paid for signup alone — only after a qualifying transaction.

7.3 Programme Modifications

Ransarve reserves the right to:

• Modify referral bonus amounts at any time with 7 days' notice
• Change minimum qualifying transaction thresholds
• Suspend or terminate the referral programme entirely
• Change which services qualify for bonuses

7.4 Referral Abuse & Account Suspension

Abuse of the referral programme is strictly prohibited. Prohibited activities include:

• Self-referral (using your own code to sign up)
• Creating fake or duplicate accounts to generate referrals
• Paying people to sign up under your referral code
• Using bots or automation to generate fake signups
• Referring the same person multiple times

Violation will result in PERMANENT account suspension and forfeiture of ALL referral earnings (past and future). We reserve the right to report serious abuse to law enforcement.

9.1 "As-Is" Basis

Ransarve is provided "AS-IS" and "AS-AVAILABLE" without warranties of any kind. We do not guarantee uninterrupted, error-free, or secure operation.

9.2 Service Downtime

Downtime may occur due to:

• Planned maintenance (we will provide notice when possible)
• VTU provider outages beyond our control
• Network or server failures
• Security incidents or attacks

Ransarve is NOT liable for any losses or damages arising from service unavailability.

9.3 Third-Party Services

VTU services are provided by third-party service providers (MTN, Glo, Airtel, 9mobile, DStv, GoTV, DISCOs, etc.). Ransarve is not liable for:

• Service delays or failures caused by these providers
• Plan unavailability or price changes by service providers
• Changes to provider terms or policies

9.4 Content & Accuracy

Ransarve does not guarantee the accuracy of pricing, plan descriptions, or service details displayed on the platform. Service provider terms and prices change frequently and are beyond our control. Always verify current rates and plans on your provider's official app or website before purchasing.

11.1 Termination by Ransarve

Ransarve may suspend or terminate your account at any time, with or without notice, if we believe you have:

• Violated these Terms of Service
• Engaged in fraud, illegal activity, or abuse
• Posed a security risk to other users or the platform
• Failed to comply with our policies

11.2 Wallet Balance on Termination for Violation

If your account is suspended or terminated due to fraud, abuse, or policy violation, your wallet balance may be FORFEITED entirely at our discretion. We are under no obligation to refund forfeited balances.

11.3 Wallet Refund on Termination (Non-Violation)

If your account is terminated for reasons OTHER than violation (e.g. your request), your wallet balance will be refunded to a bank account you provide. Refunds are processed within 7 business days.

11.4 Data Retention After Termination

After account termination, your personal data is retained for 5 years for regulatory compliance. Transaction records are retained indefinitely per Nigerian financial regulations.

12.1 Good Faith Negotiation

If you have a complaint or dispute with Ransarve, you agree to attempt to resolve it through good faith communication with our support team before pursuing legal action.

12.2 Contact for Disputes

Contact us at:

• Email: ransarvecom@gmail.com
• WhatsApp: +2349160789911
• Response Time: 24-48 hours

12.3 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any legal proceedings arising from your use of Ransarve shall be brought exclusively in courts of competent jurisdiction in Lagos, Nigeria.

13.1 Amendments to Terms

Ransarve may modify these Terms at any time. Significant changes will be communicated via email or in-app notice with at least 7 days' notice. Continued use after changes constitutes your acceptance.

13.2 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ransarve and supersede all prior negotiations, representations, and agreements.

13.3 Severability

If any provision of these Terms is found invalid or unenforceable, that provision shall be severed and the remaining provisions shall continue in full effect.

13.4 No Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

13.5 Assignment

You may not assign or transfer your rights under these Terms. Ransarve may assign its rights at any time without notice.