Terms of Use

1. What This Agreement Covers

These Terms govern your use of NINBVNPORTAL — a platform for verifying National Identification Numbers (NIN) and Bank Verification Numbers (BVN) in Nigeria. By using this website or its API, you're agreeing to be bound by these Terms and our Privacy Notice.

Don't agree with something below? Please stop using the platform.

This service exists for legitimate identity verification only — never for fraud, impersonation, or unauthorised access. Misusing it is a criminal matter under Nigerian law, not just a violation of these Terms.

2. The Legal Backbone: NIMC Act 2026

NINBVNPORTAL operates under the National Identity Management Commission (NIMC) Act 2026, which replaced the older 2007 Act. Under this law, nobody may access, verify, or process someone else's NIN or BVN without that person's clear consent.

By using this platform, you:

• Accept that the NIMC Act 2026 and Nigeria's broader data protection framework govern how identity checks may be carried out.
• Commit to always obtaining clear, verifiable consent from the record owner before requesting a check.
• Take on full responsibility for any check made without that consent.
• Understand that NINBVNPORTAL is not liable for misuse of results or violations committed by users of the platform.

The 2026 Act raises the stakes considerably compared to the old law — custodial sentences and higher corporate fines now apply to fraudulent registration and unauthorised access. Breaching the consent rule above is an offence under this Act and related data-protection law, and may carry these tougher penalties.

3. Who Can Use This Platform

• You must be 18 or older, or acting with proper authority on behalf of an organisation.
• Information you give us at signup must be accurate.
• You will not use the platform to impersonate anyone, access someone's data without their consent, commit fraud or money laundering, or spread false verification results.

Any illegal use may lead to suspension, a report to law enforcement, and civil or criminal action under Nigerian law.

4. Your Consent Duty Before Every Check

4.1 Getting Consent

Before submitting a NIN or BVN for verification, you must:

• Have the record owner's explicit consent — written, digital, or otherwise recorded.
• Confirm this at the point of submission, where the platform will prompt you.
• Be able to produce evidence of that consent if ever asked.

4.2 Where the Responsibility Sits

You are personally responsible for every action taken through your account or API key. NINBVNPORTAL is not liable for damages arising from checks run without lawful consent.

Breaching this clause exposes you to civil and criminal liability — including action by NIMC, the Nigeria Data Protection Commission (NDPC), or other authorities, up to the stronger penalties introduced under the 2026 Act.

5. Acceptable Use

The platform is meant for legitimate identity verification, KYC compliance, onboarding checks, and personal data validation carried out with consent. You must not attempt to bypass security controls, resell or redistribute data from the API, harvest data at scale, or otherwise infringe on anyone's privacy.

6. How We Handle Your Data

We operate under the Nigeria Data Protection Act (NDPA) 2023. Data moves through the platform encrypted and authenticated by token, and requests are only processed where both a lawful purpose and the data subject's consent exist.

We don't hold on to, share, or sell personal data beyond what's needed to deliver the service and meet our legal obligations. Full detail — including retention periods and your rights under the NDPA — is in our Privacy Notice.

7. Uptime & Availability

We work to keep the platform available around the clock but can't promise uninterrupted access — maintenance and external factors can cause downtime. We aren't liable for losses tied to service interruptions.

8. Charges & Refunds

Fees are shown clearly before you pay. Once a verification has been completed successfully, it isn't refundable. Fraudulent payment attempts are reported and may lead to immediate suspension.

9. Where Our Responsibility Ends

NINBVNPORTAL is an independent verification intermediary — not NIMC, and not a government body. We don't create, own, or alter official identity records; we simply provide a secure channel to confirm data that already exists.

As a result, we:

• Can't guarantee every result is free of errors originating in external databases.
• Aren't liable for misuse, misreading, or unlawful use of verification results.
• Take no responsibility for checks run without proper consent.

10. You Agree to Cover Us

You agree to indemnify NINBVNPORTAL, its team, and partners against any loss, claim, fine, or legal cost arising from your failure to obtain consent, your breach of the NIMC Act 2026, the NDPA, or other applicable law, or misuse of the API or platform. Liability from unlawful use rests with you.

11. Zero Tolerance for Fraud

Fraudulent verification, impersonation, or any criminal use of the platform is strictly forbidden. Violations result in permanent suspension, blacklisting of the associated credentials/IPs, and referral to NIMC, the NDPC, and the EFCC where appropriate.

12. Suspending or Closing Accounts

We may suspend or close any account that runs unauthorised checks, breaches these Terms, or submits fraudulent requests — without notice, where we believe there's legal or reputational risk.

13. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes fall under the jurisdiction of the appropriate High Court.

14. Changes to These Terms

We may update these Terms as laws or our services change. Material updates will be posted here, and where needed, we'll ask you to re-confirm acceptance before continuing to use the platform. Continued use after a change counts as acceptance.

15. Get in Touch

• 📧 info@ninbvnportal.com.ng
• 🌐 ninbvnportal.com.ng
• 📞 +234 800 0088888

16. One Last Thing

By using this platform, you confirm:

1. You understand your obligations under the NIMC Act 2026 and the NDPA.
2. You'll use the service only for lawful, ethical purposes.
3. You take full responsibility for verification activity on your account.
4. You understand NINBVNPORTAL isn't liable for unauthorised or unlawful use of its services.