Terms & Conditions

These Terms govern your access to and use of TopOneHub's website, mobile applications, and digital services. By creating an account or using any TopOneHub service, you agree to comply with these Terms.

1. Definitions

"Platform" refers to TopOneHub's website, applications, and all related services.

"User" refers to any individual, business, or organization using the Platform.

"Services" refers to all digital products and solutions offered by TopOneHub.

2. Eligibility

To use TopOneHub services, you must:

• Be at least 18 years of age.
• Provide accurate and complete registration information.
• Comply with all applicable laws and regulations.
• Use the Platform only for lawful purposes.

TopOneHub reserves the right to refuse service to any user at its sole discretion.

3. Account Registration and Security

Users are responsible for:

• Maintaining the confidentiality of account credentials.
• Ensuring the security of their accounts.
• All activities conducted through their accounts.
• Promptly notifying TopOneHub of any unauthorized access or security breach.

TopOneHub shall not be liable for losses resulting from unauthorized use of user accounts.

4. Services Provided

TopOneHub may offer the following services:

• Virtual Numbers
• SMS and OTP Services
• Social Media Boosting Services
• Data Purchase
• Airtime Recharge
• Cable TV Subscriptions
• Utility Bill Payments
• Digital Account Services
• Referral and Reward Programs
• Other Digital Products and Services

Service availability may change without prior notice.

5. Prohibited Activities

Users must not:

• Engage in illegal, fraudulent, or deceptive activities.
• Use virtual numbers for scams, identity fraud, or unlawful verification.
• Attempt unauthorized access to systems, accounts, or networks.
• Abuse referral programs or promotional offers.
• Resell services without written authorization.
• Use the Platform for spam, malware distribution, or malicious activities.
• Violate intellectual property rights.
• Circumvent security measures or platform restrictions.

6. Payments and Transactions

All payments made through TopOneHub are subject to verification.

Users acknowledge that:

• Prices may change without prior notice.
• Certain transactions may require additional verification.
• Service delays may occur due to third-party providers.
• Platform transaction records shall serve as proof of transactions.
• Users are responsible for verifying transaction details before payment.

TopOneHub shall not be liable for losses resulting from incorrect information supplied by users.

7. Refund Policy

Refund requests may be considered where:

• Payment was successful but service was not delivered.
• Duplicate transactions occurred.
• Technical issues prevented service fulfillment.

Refunds will not be granted for:

• User errors.
• Incorrect recipient information.
• Successfully delivered services.
• Violations of these Terms.
• Change of mind after service delivery.

Approved refunds may be returned to the user's TopOneHub wallet. Wallet credits are not redeemable for cash unless required by law.

All refund requests are reviewed on a case-by-case basis.

8. Service Availability

TopOneHub strives to provide uninterrupted access to services but does not guarantee continuous availability.

TopOneHub shall not be responsible for downtime resulting from:

• Third-party provider failures.
• Scheduled maintenance.
• Technical issues.
• Internet connectivity problems.
• Force majeure events beyond reasonable control.

9. Intellectual Property

All content, software, logos, trademarks, graphics, text, and materials on the Platform are the exclusive property of TopOneHub or its licensors.

Users may not copy, reproduce, distribute, modify, or exploit any Platform content without prior written consent.

10. Limitation of Liability

To the fullest extent permitted by law, TopOneHub shall not be liable for:

• Indirect or consequential damages.
• Loss of revenue, profits, or business opportunities.
• Service interruptions.
• Third-party provider failures.
• Unauthorized access resulting from user negligence.
• Misuse of services by users.

Users access and use the Platform at their own risk.

11. Indemnification

Users agree to indemnify and hold harmless TopOneHub, its directors, employees, affiliates, and partners from any claims, losses, liabilities, damages, and expenses arising from:

• Violation of these Terms.
• Misuse of the Platform.
• Illegal activities conducted through user accounts.
• Infringement of third-party rights.

12. Suspension and Termination

TopOneHub reserves the right to:

• Suspend or terminate user accounts.
• Restrict access to services.
• Cancel suspicious transactions.
• Refuse future service requests.

Such actions may occur without prior notice where security risks, fraud, or policy violations are identified.

13. Third-Party Providers

Certain services rely on third-party providers and partners.

TopOneHub is not responsible for service interruptions, delays, inaccuracies, or failures caused by third-party systems.

14. Modifications to Services and Terms

TopOneHub may modify:

• Platform features.
• Service offerings.
• Pricing structures.
• These Terms and Conditions.

Changes become effective immediately upon publication on the Platform.

15. Governing Law

These Terms shall be governed and interpreted in accordance with the applicable laws of the Federal Republic of Nigeria and any other jurisdiction where TopOneHub lawfully operates.

16. Contact Information

For support, complaints, or inquiries regarding these Terms, please contact:

TopOneHub
Website: https://novasolution.ng
Email: novasolutionng@gmail.com
Customer Support: Available through the Platform support channels.

17. Acceptance of Terms

By registering an account, accessing the Platform, or using any TopOneHub service, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.