Last Updated: April 2026
1. Acceptance of Terms
By accessing or using Harida services, you agree to be bound by these Terms of Service.
2. Description of Service
Harida provides bill payment services through the Harida mobile application,
including electricity bill payments, airtime purchases, data bundle purchases,
cable TV subscriptions, wallet funding, and other supported digital payment
services. This website is provided for informational purposes only and does not
process purchases or user account transactions.
3. Account Purpose, Fund Usage, and User Obligations
3.1 Permitted Account Use. Creating an account on Harida is strictly for the purpose of purchasing the services we offer, including but not limited to electricity, airtime, data bundles, and cable TV subscriptions.
3.2 Nature of Deposits. Any funds deposited into a Harida account are solely for the immediate or future purchase of these listed services. Deposited funds are not savings, deposits, or any other form of financial asset held for the user.
3.3 No Withdrawal Service. Harida is not a bank, a savings institution, or a financial intermediary. Consequently, we do not offer withdrawal services. All funds in a user's account must be applied exclusively toward the purchase of services available on the Harida platform.
3.4 Banking Relationship Disclaimer. Users who require savings, deposit, or withdrawal services should utilize a licensed financial institution or their personal bank account. Harida accepts no liability for funds deposited under any other pretense.
3.5 Suspicious Activity Reporting. Harida is committed to preventing financial crime, fraud, and money laundering. We reserve the right to monitor all account activities and transactions. Any suspicious, fraudulent, or potentially illegal activity detected on your account may be reported to the appropriate authorities, including but not limited to the Economic and Financial Crimes Commission (EFCC), the Nigerian Financial Intelligence Unit (NFIU), and other relevant law enforcement or financial crime regulatory bodies as required by Nigerian law.
3.6 User Acknowledgment. By creating an account and depositing funds, you expressly acknowledge and agree to all terms in this Section 3. You further agree to cooperate fully with any investigation arising from suspicious activity related to your account.
4. Transactions
All transactions are final and non-refundable unless required by law or at our discretion.
We are not responsible for delays or failures caused by third-party service providers.
5. Prohibited Activities
You agree not to:
- Use the service for illegal purposes
- Attempt to gain unauthorized access to any part of the service
- Interfere with the proper working of the service
- Use automated systems to access the service
- Use Harida for money laundering, fraud, or any financial crime
6. Limitation of Liability
Harida shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service.
7. Modifications to Terms
We reserve the right to modify these terms at any time. Continued use after changes constitutes acceptance.
8. Termination
We may terminate or suspend your account immediately for violations of these terms, including suspected fraudulent or illegal activity.
9. Governing Law
These terms are governed by the laws of the Federal Republic of Nigeria.
For questions about these Terms, contact us at: hello@harida.ng
