Terms and Conditions
By using Cardlino, you authorize the collection and recording of specific data necessary for platform security and transaction fulfillment. This includes personal identifiers and transaction logs as detailed in our terms and conditions.
1. Nature of Service
Cardlino is a digital technology platform. We provide an interface for users to access third-party utility services, including but not limited to airtime, data, and electricity bill payments. Cardlino is not a bank, a mortgage institution, or a licensed financial deposit-taker.
2. Third-Party Partners
All virtual card services and payment processing are facilitated through licensed third-party financial institutions and payment gateways. By using Cardlino, you acknowledge that we act as a technical service provider between you and these licensed entities.
3. Identity Verification (KYC)
To prevent fraud and comply with digital safety standards, Cardlino may require users to provide government-issued identification. This data is handled according to our Privacy Policy and is used solely for secure account access.
4. Limitation of Liability
Cardlino provides the technical “bridge” for your transactions. We are not responsible for delays or failures caused by third-party service providers, internet connectivity, or incorrect information provided by the user (e.g., wrong meter number or phone number).
5. Account Security & Unauthorized Access
User Responsibility: You are responsible for maintaining the confidentiality of your Cardlino login credentials. Any transaction performed using your account is deemed to be authorized by you.
6. Transaction Policy (Virtual Cards & Utilities)
Finality of Sales: Due to the nature of digital products (Airtime, Data, Electricity tokens), all successful transactions are final and non-refundable once the token or value has been delivered to the provided destination. Failed Transactions: If a transaction fails but your wallet is debited, Cardlino will initiate a reversal within 24–48 hours after verification with our payment partners.
7. Prohibited Activities
Users agree not to use Cardlino for:
i. Money laundering or any illegal financial activities.
ii. Automated “bot” transactions or scraping of the platform.
iii. Providing false information during the Identity Verification (KYC) process.
iv. Attempting to bypass security protocols or reverse-engineer the app.
8. Termination of Service
Cardlino reserves the right to suspend or terminate your account without prior notice if we detect a breach of these Terms, suspicious activity, or if required by law enforcement or our financial partners.
9. Service & Transaction Limits
Cardlino reserves the right to impose daily or monthly transaction limits on any account. We may also restrict access to specific services (such as Virtual Cards or Utility payments) at our discretion to prevent fraudulent activity or to comply with security protocols.
Account Security & Breach Reporting
You are responsible for all activity on your account. If you suspect your account has been compromised, you must notify Support@cardlino.com.ng immediately. Cardlino is not liable for any financial losses incurred before a formal report is received and confirmed by our team.
Last Updated: March 22, 2026