1. Using Manbills
These terms govern your use of Manbills. By creating an account or using the service, you agree to these terms. If you do not agree, do not use the service. Questions can be sent to usemanbills@gmail.com.
Manbills provides tools for organising personal and business spending, budgets, expenses and workspaces. Features depend on availability, your eligibility and the service environment. Marketing descriptions do not guarantee that a particular financial feature is currently available.
2. Eligibility and account information
You must be at least 18 years old and able to enter a binding agreement. Provide accurate information, keep it up to date, and use only identities and accounts that you are authorised to use. If you act for a business, you confirm that you have authority to do so.
Access to some features may require identity verification, additional information or separate provider terms. We may refuse or restrict access where verification cannot be completed or where required by law.
3. Protecting your account
Keep your device and sign-in information secure. Do not share your PIN, password or one-time codes. Tell us promptly if you suspect unauthorised access. You are responsible for actions you authorise and for managing business team access; applicable law determines responsibility for unauthorised activity.
4. Financial features and testing
A sandbox or demonstration balance is simulated, has no monetary value and cannot be withdrawn. Do not treat a test transfer, identity result or wallet as a live financial service.
Where live financial services become available, the relevant provider, applicable fees, limits and additional terms must be disclosed in that service flow. These terms do not represent that Manbills is a licensed bank or that a balance is deposit-insured.
For an enabled live transaction, review the amount, recipient and charges before authorising it. Processing depends on the relevant service provider and may be delayed or fail. An authorised, completed transaction may not be reversible. Budget information and spending insights are tools for your own decisions and are not financial, investment, tax or legal advice.
5. Acceptable use
Do not use Manbills for unlawful activity, fraud, impersonation, money laundering, harassment or infringement of another person’s rights. Do not attempt to bypass security, access another user’s data, manipulate verification or disrupt the service. Only upload or share information you are entitled to use.
6. Fees and third-party services
Any applicable charge must be disclosed before you commit to a chargeable service. Your network provider may charge for data. Third-party services have their own terms and availability; we will identify additional terms relevant to an enabled service.
7. Privacy and intellectual property
Our privacy policy explains how we process personal information. It also describes your privacy choices and how to contact us.
Manbills branding, software and site content belong to their respective owners. We grant you permission to use the service for its intended purpose, subject to these terms. You retain rights in content you provide and permit us to process it as needed to operate the service.
8. Availability, restrictions and closure
We may maintain, update or change the service and cannot promise uninterrupted availability. We may restrict or suspend an account to address a security issue, suspected misuse or a legal requirement. Where appropriate and legally permitted, we will explain the restriction and the available support process.
You can request account closure and deletion through our account deletion page. If an enabled live account has a balance, pending transaction or dispute, we will help you resolve it and explain any records that must remain. Requesting deletion does not cancel an existing payment obligation or reverse a completed transaction.
9. Responsibility and your legal rights
We are responsible for providing the service with reasonable care. To the extent permitted by law, we are not responsible for losses caused by circumstances outside our reasonable control or for indirect losses that were not reasonably foreseeable. Nothing in these terms excludes liability or consumer rights that cannot lawfully be excluded, including liability for fraud.
10. Changes, disputes and contact
We may revise these terms and will update the effective date. Material changes will receive notice where required. If you disagree with revised terms, you may stop using the service and request account closure.
These terms are governed by the laws of Nigeria, subject to any mandatory rights that apply where you live. Contact usemanbills@gmail.com first so we can try to resolve a concern. This does not prevent you from using a regulator, court or other remedy available under applicable law.