Terms of Use

These terms are an agreement between you and Tech Savvy Labs Ltd (RC 7444696), the company that runs SubAndWin (“we”, “us”). They apply whenever you use subandwin.com or the SubAndWin app on your home screen.

Our Privacy Policy and the Rules of the fan reward pool are part of these terms. By buying, signing in or entering, you agree to them. If you don't agree, please don't use SubAndWin.

• You must be 18 or older and live in Nigeria.
• You need a Nigerian mobile number that is yours. One account per person.
• The details you give us (numbers, meters, bank accounts) must be accurate and yours to use.

Your phone number is your account. You sign in with a one-time code sent to your phone (or to a backup email you've added). Never share a code with anyone: SubAndWin staff will never ask for one.

You're responsible for what happens on your account. If you think someone else has used it, email support@subandwin.com straight away. To protect you, we may freeze an account while we look into suspected fraud or misuse, and we'll tell you why when we can.

• We sell at standard prices. The full price, and any processing fee, is shown before you pay.
• Please check the number, network and meter before you pay. When you check a meter, we show the owner's name from the electricity company so you can confirm it.
• A top-up delivered to the number or meter you entered can't be taken back, so we can't refund one sent to a wrong number or meter.
• Most top-ups arrive within seconds. Networks and electricity companies are sometimes slow; we keep checking until the result is final.
• Data validity, network coverage and how many electricity units your money buys are set by the mobile network or electricity company, not by us.

We never add a fee of our own. The only charge you may see is our payment provider's card processing fee, passed on at cost and shown before you pay:

• ₦0 when you pay from your SubAndWin wallet or winnings.
• ₦0 on card, bank or USSD payments for data or airtime under ₦2,500.
• Card, bank or USSD payments from ₦2,500, and for electricity, carry Paystack's processing fee.
• Bank transfers to your personal SubAndWin account number are free.

If a purchase can't be delivered, you get all of your money back, including any processing fee. You don't need to ask:

• Card, bank and USSD payments, and wallet payments, are refunded to your SubAndWin wallet, ready to spend at once with ₦0 fee.
• Payments from your winnings are refunded to your winnings.
• If money left your bank for an order that was never placed (for example, a payment that arrived after the order expired), it's added to your wallet.
• The free entry that came with a refunded purchase is cancelled.

If something looks wrong, use Report an issue on the order in your account, or email support@subandwin.com. We'll look into it and reply in your account. This doesn't affect your rights under the Federal Competition and Consumer Protection Act.

Your SubAndWin wallet holds money you add (by card, bank, USSD or transfer to your personal account number) and refunds. You can spend it on any purchase on SubAndWin with ₦0 fee.

• The wallet isn't a bank account and doesn't earn interest.
• Wallet money is for purchases on SubAndWin. It can't be sent to another person or withdrawn to a bank. (Winnings can; see the next section.)
• Your personal account number for bank transfers is provided through Paystack and its partner bank after an identity check that the Central Bank of Nigeria requires.
• If you want to close your account while money is still in your wallet, email us and we'll help.

• Cash prizes from the fan reward pool go to your winnings balance. You can spend winnings on purchases or withdraw them to a Nigerian bank or wallet account.
• Each withdrawal is confirmed with a fresh code to your phone (by call or text, never email). The minimum withdrawal is shown in your account.
• Larger withdrawals, and withdrawals while a card payment on your account is being disputed, are checked by our team before they're sent.
• If a transfer doesn't go through, the money returns to your winnings balance.

The daily fan reward pool is a free loyalty promotion. Entry is never sold: it comes free with a qualifying purchase at standard prices, or with bonus points. How to enter, how winners are decided, rollovers and postponed matches are all set out in the Rules, which are part of these terms.

We may change or pause the promotion. Any change is published on the Rules page first, and entries already made are decided under the Rules that applied when they were made. SubAndWin staff can't enter.

• Bonus points have no cash value. They can't be sold, transferred or exchanged for money; you can use them for free entries.
• Points earned from a purchase that's later refunded, or through misuse (such as inviting your own numbers), may be removed.

If a payment is reversed or charged back by your bank, we may reverse what it paid for: the wallet credit, purchases not yet delivered, entries, points and any winnings that came from it. We may also freeze the account while we investigate. We report fraud to our payment partners and the authorities.

You agree not to:

• use a card, bank account or phone number that isn't yours, or pay with stolen details;
• hold more than one account, or use other people's numbers to collect entries, points or invites;
• use bots or scripts, overload the service, or try to get around our security checks or limits;
• use SubAndWin for anything unlawful.

We work to keep SubAndWin running at all times, but it can be paused for maintenance, or affected by problems at mobile networks, electricity companies, payment providers or our hosting. Purchases are refunded as described above if they can't be delivered. Once a top-up is delivered, the network or electricity company is responsible for its own service.

Nothing in these terms limits a right you have, or our responsibility, under Nigerian consumer protection law that can't be limited, including liability for fraud or for death or injury caused by negligence.

Otherwise, if something goes wrong with a purchase, our responsibility is limited to the amount you paid for it, and we're not responsible for indirect losses (such as lost business or opportunities) or for delays caused by events outside our reasonable control.

We may update these terms. We'll change the date at the top, and tell you on SubAndWin before a significant change takes effect. If you keep using SubAndWin after that, the new terms apply.

These terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, please email support@subandwin.com first; most things can be put right quickly. If we can't resolve it, you may take it to the Federal Competition and Consumer Protection Commission or to the courts of Lagos State.

Tech Savvy Labs Ltd (RC 7444696), No. 8B, Eti-Osa Way, Lagos Island, Lagos State, Nigeria. Email support@subandwin.com.