By downloading, accessing, registering on, or using the Poriume mobile application or website (poriume.com), you agree to be legally bound by these Terms and Conditions ("Terms") and our Privacy Policy.
If you do not agree to these Terms in full, you must immediately stop using our services. Your continued use of Poriume constitutes your acceptance of these Terms as they may be amended from time to time.
Please Read Carefully
These Terms contain important provisions about your rights and obligations, including limitations of our liability and governing law. If you have any questions, contact us at [email protected] before proceeding.
Section 02
About Poriume
Poriume is a bills payment platform owned and operated by Poriume IT Services (BN 3611776), a registered business in the Federal Republic of Nigeria.
Our services include but are not limited to: buying and selling of cheap Airtime and Data Bundles, Electricity Bills Payment, Cable TV Subscription (DStv, GOtv, Startimes), Recharge Card Printing (ePINs), and funding of Betting Accounts. All our services are automatically and instantly delivered.
Poriume is not a bank and does not hold any banking licence. Our wallet service is a prepaid credit system for use exclusively within the Poriume platform.
Section 03
Eligibility
To use Poriume, you must:
Be at least 18 years of age, or have the consent of a parent or legal guardian.
Be a resident of or have a valid Nigerian phone number within the Federal Republic of Nigeria.
Provide truthful, accurate, and complete registration information.
Not have been previously suspended or banned from Poriume for any violation of these Terms.
By registering, you confirm that all information you provide is accurate and that you meet the above eligibility requirements. Poriume reserves the right to verify your identity and to suspend or close accounts where eligibility requirements are not met.
Section 04
Account Registration & Security
Each user is permitted to hold only one active account. Creating multiple accounts for fraudulent or abusive purposes is strictly prohibited.
You are responsible for:
Maintaining the confidentiality of your login password and transaction PIN.
All activities that occur under your account, whether or not authorised by you.
Notifying Poriume immediately at [email protected] if you suspect any unauthorised access to your account.
Keeping your contact information (phone number and email) up to date so we can reach you in case of security issues.
Poriume will not be liable for any loss or damage arising from your failure to comply with these security obligations.
Protect Your Transaction PIN
Your 4-digit transaction PIN is an additional layer of security. Never share your PIN with anyone, including Poriume staff. Our support team will never ask for your password or PIN.
Section 05
Our Services
Poriume provides the following services, all subject to availability and network provider conditions:
Airtime Top-Up — Instant recharge for MTN, Airtel, Glo, and 9mobile numbers.
Data Bundles — Purchase of mobile data plans at discounted rates for all major networks.
Electricity Bills Payment — Prepaid token generation and postpaid bill payment for all Distribution Companies (DISCOs) in Nigeria.
Cable TV Subscription — Renewal and upgrade of DStv, GOtv, and Startimes subscriptions.
Recharge Card Printing (ePINs) — Bulk generation and printing of airtime vouchers for resellers.
Betting Account Funding — Instant deposits to major Nigerian betting platforms.
All services are automated and processed in real time. Service availability is subject to our providers' network uptime and may occasionally be disrupted due to maintenance or third-party issues outside our control. In such cases, we will notify users and restore service as quickly as possible.
Poriume reserves the right to add, modify, or discontinue any service at any time, with reasonable notice to users where practicable.
Section 06
Wallet & Payments
Your Poriume wallet is a prepaid credit balance used to pay for services on the platform. It is not a bank account and does not attract interest.
Funding your wallet:
Transfer funds to your dedicated virtual account (9Payment Service Bank) — credits are automatic and near-instant.
Via payment gateways as made available on the platform from time to time.
Wallet rules:
Wallet funds can only be used to purchase services on Poriume.
Wallet-to-wallet transfers are available where enabled.
Wallet balances are non-transferable to external bank accounts except where a formal withdrawal/refund process has been approved by Poriume support.
Poriume is not liable for wallet funding delays caused by the user's bank, payment gateway downtime, or network failures outside Poriume's control.
Section 07
Virtual Account
Upon successful KYC verification, each user is assigned a dedicated virtual account number issued by 9Payment Service Bank (powered by PayVessel). This account is unique to you and is used exclusively for funding your Poriume wallet.
Do not use your Poriume virtual account to receive money on behalf of others.
Do not use your virtual account for any purpose other than funding your Poriume wallet.
Poriume is not liable for funds sent to an incorrect virtual account due to user error.
Virtual accounts may be closed when your Poriume account is deleted (see our Account Deletion Policy).
Section 08
BVN / NIN Usage
We Do NOT Store or Access Your BVN / NIN
Your BVN/NIN is used solely to generate your virtual bank account as mandated by the Central Bank of Nigeria (CBN). It is transmitted directly and securely to 9Payment Service Bank / PayVessel and is never stored on Poriume's servers. Poriume has no access to your BVN or NIN.
By providing your BVN or NIN for virtual account generation, you:
Confirm that the BVN/NIN you provide is your own and is accurate.
Acknowledge that submission is a CBN regulatory requirement for virtual account issuance.
Consent to its transmission to our licensed banking partner (9Payment Service Bank / PayVessel) for the purpose of account creation only.
Providing false, stolen, or third-party BVN/NIN information is a violation of Nigerian law and these Terms, and will result in immediate account suspension and may be referred to relevant authorities.
Section 09
Refunds & Failed Transactions
Successfully delivered services are non-refundable. Once an airtime top-up, data purchase, electricity token, or cable TV subscription has been successfully delivered to the specified recipient, no refund will be issued.
Failed or undelivered transactions:
If a transaction is debited from your wallet but the service is not delivered within 24 hours, your wallet will be automatically reversed or credited.
If automatic reversal does not occur, please contact support at [email protected] with your transaction reference number.
Reversals are typically processed within 1–3 business days.
Incorrect information:
Poriume is not responsible for transactions processed with incorrect details provided by the user (e.g., wrong phone number, wrong meter number, wrong smartcard number).
We recommend verifying all recipient details before confirming any transaction.
Double-Check Before You Submit
Always verify the phone number, meter number, or smartcard number before submitting a transaction. Transactions with incorrect beneficiary details cannot be reversed once delivered.
Section 10
Referral Programme
Poriume operates a referral programme that allows users to earn bonus credits by inviting others to join the platform. The referral programme is subject to the following conditions:
A referral bonus of ₦100 is earned when your referred user completes 10 qualifying transactions (Data, Cable TV, or Electricity; minimum ₦500 each).
A bonus of ₦500 is earned if your referred user upgrades to an Agent or Vendor account.
Referral bonuses are credited to your wallet only after admin approval following a "Get Paid" request.
Self-referrals (creating multiple accounts to refer yourself) are prohibited and will result in account suspension and forfeiture of all referral earnings.
Poriume reserves the right to modify, pause, or terminate the referral programme at any time.
Fraudulent referral activity will result in permanent account suspension.
Section 11
Prohibited Activities
You agree not to engage in any of the following:
Using Poriume for any illegal purpose or in violation of any Nigerian law or regulation.
Providing false, misleading, or fraudulent information during registration or transactions.
Using another person's BVN, NIN, phone number, or identity without authorisation.
Attempting to hack, reverse-engineer, or gain unauthorised access to Poriume's systems, APIs, or databases.
Creating multiple accounts or using bots/scripts to abuse the platform or referral programme.
Engaging in money laundering or using Poriume to process proceeds of crime.
Reselling services at inflated prices beyond the fair market rate in a manner that deceives end customers.
Attempting to defraud Poriume, other users, or service providers.
Uploading or transmitting viruses, malware, or any other harmful code.
Interfering with the operation of the platform in any way.
Violation of any of the above may result in immediate account suspension, permanent ban, forfeiture of wallet balance, and referral to Nigerian law enforcement authorities.
Section 12
Intellectual Property
All content on the Poriume platform — including the name "Poriume", logos, trademarks, software code, user interface design, graphics, and text — is the exclusive property of Poriume IT Services or its licensors and is protected under Nigerian and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable licence to use the Poriume platform for its intended purpose. You may not:
Copy, reproduce, distribute, or create derivative works based on our content.
Use our trademarks or brand elements without prior written consent.
Scrape, crawl, or extract data from the platform using automated means.
Section 13
Limitation of Liability
To the maximum extent permitted by Nigerian law, Poriume, its directors, employees, agents, and partners shall not be liable for:
Indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use our services.
Service disruptions caused by third-party network providers (telecoms, DISCOs, cable TV operators, banking partners).
Financial loss resulting from transactions made with incorrect beneficiary details provided by the user.
Unauthorised access to your account resulting from your failure to secure your login credentials.
Loss of data or service interruptions due to force majeure events, including but not limited to natural disasters, acts of government, or widespread internet outages.
Poriume's total liability to any user for any claim arising under these Terms shall not exceed the total amount credited to that user's wallet in the 30 days immediately preceding the claim.
Section 14
Suspension & Termination
Poriume reserves the right to suspend or permanently terminate your account, with or without prior notice, if:
You violate any provision of these Terms.
We have reason to believe your account is being used for fraudulent, illegal, or abusive activities.
Your account poses a risk to the security of the platform or other users.
Required to do so by Nigerian law or regulatory authority.
In the event of termination for cause, your wallet balance may be frozen pending investigation. You may also choose to voluntarily close your account — please refer to our Account Deletion Policy for details.
Section 15
Governing Law & Disputes
These Terms and Conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, including but not limited to:
The Nigeria Data Protection Regulation (NDPR) 2019
The Federal Competition and Consumer Protection Act (FCCPA) 2019
The Cybercrime (Prohibition, Prevention, etc.) Act 2015
Central Bank of Nigeria (CBN) regulations
Any dispute, claim, or controversy arising out of or in connection with these Terms shall first be resolved through good-faith negotiation between the parties. If unresolved within 30 days, disputes shall be referred to arbitration or the courts of competent jurisdiction in Nigeria.
Section 16
Changes to These Terms
Poriume reserves the right to modify these Terms at any time. When material changes are made, we will:
Update the "Last Updated" date at the top of this page.
Notify users via in-app notification and/or email.
Your continued use of Poriume after the effective date of any changes constitutes your acceptance of the revised Terms. If you disagree with any changes, please discontinue use and contact support to close your account.
Section 17
Contact Us
For any questions, concerns, or legal enquiries regarding these Terms and Conditions:
