Welcome to Volta Hub. These Terms and Conditions ("Terms") govern your use of the Volta Hub mobile application and website (the "Service"), operated by Volta Hub LTD ("Company", "we", "us", or "our"), located at 38 Olowu Street, Ikeja, Lagos.
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.
1. Nature of Service
Volta Hub is a digital aggregator and reseller platform. We facilitate the purchase of telecommunications data, airtime, and utility bill payments.
- Payment Services: All wallet funding and payment processing are powered by Monnify (by Moniepoint).
- Fulfillment Services: All data and airtime delivery are fulfilled via Peyflex. Volta Hub acts as an intermediary between you and these third-party service providers.
2. Eligibility and KYC (Know Your Customer)
- Age: You must be at least 18 years old to use Volta Hub.
- Mandatory Verification: In compliance with CBN regulations, all wallets must be linked to a valid National Identification Number (NIN). We will validate NIN details in real-time and use Monnify to create a dedicated virtual account for wallet funding.
- Biometric Data: We may require a liveness verification (selfie) to confirm your identity.
- Transaction Limits: Your KYC level determines your transaction and cumulative balance limits. Volta Hub complies with all CBN-mandated caps, including a 24-hour transaction limit on newly activated devices.
- Account Restrictions: Volta Hub reserves the right to place a "Post No Debit" (PND) restriction or freeze accounts that are unverified, fail revalidation, or show suspicious activity.
3. Wallet and Funding
- Virtual Accounts: Upon registration, a dedicated virtual account will be generated for you via Monnify.
- Non-Interest Bearing: Funds held in your Volta Hub wallet do not accrue interest.
- Finality of Funding: Wallet top-ups are final once confirmed by the payment gateway.
4. Usage and Fees
- Pricing: We strive to provide competitive rates. All prices are subject to change based on network provider updates.
- Convenience Fees: Currently, Volta Hub charges ₦0 convenience fees on utility bill payments (Electricity and Cable TV). However, this policy is subject to review, and we reserve the right to introduce fees in the future with prior notice to users.
5. Limitation of Liability (CRITICAL)
- Third-Party Failures: Volta Hub shall not be liable for service disruptions caused by Peyflex, Monnify, or National Telecommunications Providers (MTN, Airtel, Glo, 9mobile).
- User Error: We are not responsible for funds sent to the wrong phone number or incorrect meter numbers provided by the user.
- Maximum Liability: To the extent permitted by law, our total liability for any claim arising out of the use of the service shall not exceed the amount paid by the user for the specific transaction in dispute.
6. Refund Policy
- If a transaction fails but your wallet is debited, a refund will be processed automatically to your internal Volta Hub wallet once our partners (Peyflex/Monnify) confirm the failed status.
- No cash refunds will be issued for successful airtime or data purchases.
7. Privacy and Data Protection
Your data is processed in accordance with our Privacy Policy and the Nigeria Data Protection Regulation (NDPR). By using Volta Hub, you consent to the collection and use of information as outlined therein.
8. Contact Us
For support, disputes, or inquiries, please contact us at: