Terms of Service

Welcome to Mabro (the “Service”). These Terms of Service (the “Terms”) form a legal agreement between you and the operator of Mabro (“we”, “us”, or “our”). By using our WhatsApp bot, web pages, or any features we provide, you agree to these Terms. If you do not agree, please do not use Mabro.

1) What Mabro is

Mabro helps you purchase digital services such as airtime, data, TV subscriptions, electricity tokens, and education pins through vetted third‑party providers (including VTpass and similar). For settlement and wallet top‑ups, we may integrate with payment and banking partners. Some features may be in limited release or disabled via feature flags.

2) Account & Wallet

• Identity: Your WhatsApp number (MSISDN) uniquely identifies you in Mabro. We may create a lightweight profile and a wallet for you.
• Wallet‑only purchases: Purchases are charged from your Mabro wallet. We may place a temporary hold for the quoted amount and capture or release it when the provider confirms success or failure.
• Funding: When funding methods are enabled (e.g., bank transfer via a partner), you authorize us and our partners to process the payment. Your available balance is the wallet balance minus any holds.

3) Orders, request_id & Receipts

Each order has a unique request_id. You can check status by sending status <request_id> in WhatsApp. When a transaction is successful, we provide a receipt or token (for example, an electricity token). Please store your request IDs and receipts.

4) Prices, Fees & Taxes

Prices are shown before you confirm. We may charge a convenience fee or margin, which will be disclosed at checkout. You are responsible for any taxes associated with your purchases.

5) Refunds & Reversals

Digital products delivered as ordered are generally non‑refundable. If a provider reports failure, any wallet hold will be released or the captured amount will be reversed to your wallet. See the separate Refunds Policy for details.

6) Third‑Party Services

We rely on third parties to fulfill requests (e.g., VTpass for vending, banks for settlements, WhatsApp for messaging). Their terms and privacy practices apply in addition to ours. We do not control third‑party outages or content.

7) Your Responsibilities

• Provide accurate details (e.g., meter number, smartcard/IUC, phone).
• Keep request IDs and tokens safe; treat them like cash.
• Do not use Mabro for fraud, money laundering, unauthorized reselling, or any prohibited activity listed in our Acceptable Use Policy.

8) Service Changes & Availability

We may add, pause, or remove features without notice. Maintenance, provider downtime, or messaging platform issues can affect availability.

9) Disclaimer

To the fullest extent permitted by law, Mabro is provided “as is” and “as available” without warranties of any kind, whether express or implied.

10) Limitation of Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenues, data, goodwill, or other intangible losses. Our total liability for any claim relating to the Service shall not exceed the amount you paid to us for the transaction giving rise to the claim.

11) Indemnity

You agree to indemnify and hold us harmless from claims arising out of your misuse of the Service, violation of these Terms, or infringement of any person’s rights.

12) Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be resolved in the courts of Lagos, Nigeria, unless applicable law requires otherwise.

13) Changes to these Terms

When we change these Terms, we will update the “Last updated” date. Continued use after changes means you accept the revised Terms.

14) Contact

Email: support@mabro.ng