Terms and Conditions of Use

Effective Date: 04-March-2025
Website: https://www.nin.healer.name.ng
Organization: NIN/BVN ("we," "our," or "us")

1. Introduction

Welcome to NIN/BVN, a secure platform designed to help individuals, businesses, and developers verify National Identification Numbers (NIN) and Bank Verification Numbers (BVN) in compliance with Nigerian law.

By accessing or using this Website or any of its API services, you acknowledge that you have read, understood, and agreed to be legally bound by these Terms and Conditions.

MANDATORY ACCEPTANCE

If you do not agree with these terms, you must discontinue use immediately. Continued use of our services constitutes acceptance of all terms outlined herein.

NIN/BVN is committed to ensuring that its platform is used strictly for lawful purposes — never for fraud, impersonation, identity theft, or unauthorized access. Misuse of this website or its API is a criminal offense under Nigerian law.

PURPOSE OF OUR SERVICE

Our platform is designed EXCLUSIVELY for identity verification owners to securely access and print their own NIN or BVN documents in professional PDF format. This service enables users to:

  • Generate official verification documents for banks, institutions, and government agencies
  • Create A4 paper-ready PDF formats for physical printing
  • Access their own identity verification documents securely online
  • Utilize API services for legitimate business purposes with proper consent mechanisms

3. Eligibility and User Obligations

To use NIN/BVN:

  • You must be at least 18 years old or duly authorized by an organization.
  • You must provide accurate, lawful information when creating an account.
  • You agree not to use the platform for:
    • Fraudulent activities or impersonation
    • Accessing another person's information without consent
    • Forgery, money laundering, or criminal purposes
    • Spreading false or misleading data
    • Any activity that violates Nigerian or international law

You agree that any illegal use of this platform may lead to account suspension, reporting to law enforcement authorities, and civil or criminal prosecution under applicable Nigerian laws.

5. Authorized Use of the Service

Our services are designed for:

  • Legitimate identity verification for personal use
  • KYC (Know Your Customer) compliance for businesses
  • Institutional onboarding verification with proper authorization
  • Personal data validation with explicit user consent
  • Legal document generation for official purposes

STRICTLY PROHIBITED ACTIVITIES

You must NEVER:

  • Attempt to bypass system security or exploit vulnerabilities
  • Resell or redistribute data obtained through the API
  • Use our platform to mine data or harvest personal information
  • Engage in activities that violate the privacy rights of others
  • Access identity information without proper consent
  • Use our services for fraudulent, criminal, or unethical purposes

6. Data Privacy and Protection

NIN/BVN operates under the Nigeria Data Protection Regulation (NDPR) 2019 and ensures data is transmitted securely using military-grade encryption and token-based authentication.

DATA SECURITY COMMITMENT

WE NEVER HAVE ACCESS TO OR STORE VERIFICATION DATA:

  • All data is encrypted and only accessible by the requesting user
  • We are NOT the provider of identity data - we are a secure intermediary
  • Every verification is sent directly to the authorized data providers
  • We never store, share, or use any verification information
  • All transactions are logged with advanced security measures

We process verification requests based on:

  1. User's lawful purpose, and
  2. Data subject's explicit consent

6.1 Advanced Security Measures

To protect against system misuse, we have integrated advanced security systems:

  • IP Address Tracking: We capture real IP addresses that bypass VPNs for enhanced security monitoring
  • Automatic Monitoring: Suspicious activities trigger immediate investigation and alerts
  • Account Restrictions: System misuse results in immediate account suspension and investigation
  • Legal Reporting: Fraudulent activities are reported to law enforcement agencies

7. Service Access and Availability

We strive to ensure continuous service uptime, but we make no guarantees of uninterrupted access. Downtime may occur due to:

  • Scheduled system maintenance
  • Security updates and improvements
  • External factors beyond our control
  • Government regulations or directives

NIN/BVN shall not be liable for losses arising from service interruptions, but we will make reasonable efforts to minimize downtime and provide advance notice when possible.

8. Fees, Refunds, and Transactions

  • All service fees are displayed clearly on the platform before transaction completion.
  • No refunds will be made once a verification request has been successfully processed.
  • Fraudulent payment activities will be reported to authorities and may result in immediate account suspension.
  • We reserve the right to adjust pricing with reasonable notice to users.
  • Wallet balances are non-transferable and non-refundable except as required by law.

9. Disclaimer of Liability

NIN/BVN acts solely as a verification intermediary.

SERVICE LIMITATIONS

We do not generate, own, or alter any official identity records. We provide a secure channel to confirm data validity as permitted by law.

Therefore, we:

  • Do not guarantee that all verification results are free from external database errors.
  • Shall not be liable for any misuse, misinterpretation, or unlawful application of results obtained through our services.
  • Disclaim all responsibility for unauthorized verifications conducted by users without consent.
  • Are not responsible for decisions made by third parties based on verification results.

10. User-Indemnity Clause

You agree to indemnify and hold harmless NIN/BVN, its officers, developers, partners, and affiliates from any loss, damage, claim, fine, or legal cost arising from:

  • Your failure to obtain consent before verification
  • Your violation of the NIMC Act, NDPR, or other Nigerian laws
  • Your misuse or abuse of our API or platform
  • Any false or misleading information you provide
  • Third-party claims resulting from your use of our services

FULL USER RESPONSIBILITY

All liabilities from illegal use rest SOLELY with you. We will cooperate fully with law enforcement and legal proceedings.

11. Prohibition of Criminal and Fraudulent Use

NIN/BVN maintains a ZERO-TOLERANCE policy for illegal activities.

ZERO TOLERANCE POLICY

Using this website or API for fraudulent verification, impersonation, or criminal schemes is STRICTLY FORBIDDEN.

Violators will face:

  • Permanent suspension of access
  • Blacklisting of IPs and credentials
  • Reporting to law enforcement, including NIMC, NDPC, and EFCC (Economic and Financial Crimes Commission)
  • Legal prosecution to the full extent of the law
  • Asset freezing where applicable

11.1 API Users - Special Requirements

API COMPLIANCE MANDATORY

ALL API USERS MUST ENSURE:

  • Users explicitly state they are the owner of the NIN/BVN being verified
  • OR they have documented consent and permission from the owner
  • Implementation of proper consent verification mechanisms
  • Compliance with all applicable data protection laws

Misuse will result in: Verification failures, account suspension, and potential legal action.

Note: We regularly investigate API calls for compliance and maintain detailed audit logs.

12. Termination of Account

We reserve the right to suspend or terminate any account that:

  • Engages in unauthorized verification activities
  • Fails to comply with these Terms and Conditions
  • Submits fraudulent or illegal requests
  • Attempts to circumvent security measures
  • Provides false or misleading information

Termination may occur without notice if we believe the user poses legal, security, or reputational risk to our platform or other users.

Upon termination, all access rights are immediately revoked, and any remaining wallet balance may be forfeited depending on the reason for termination.

13. Governing Law and Jurisdiction

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria.

Any dispute arising from or relating to these terms shall be resolved under the jurisdiction of the High Court of the Federal Capital Territory or appropriate State High Court.

You consent to the exclusive jurisdiction of Nigerian courts for all legal proceedings related to your use of our services.

14. Amendments

We may modify or update these Terms periodically to reflect:

  • Changes in applicable laws or regulations
  • Updates to our services or features
  • Enhanced security or privacy measures
  • Industry best practices and standards

Updates will be posted on this page with a new effective date. Continued use after changes constitutes acceptance of the modified terms.

For significant changes, we will provide additional notice through email or platform notifications.

15. Contact Information

For inquiries, complaints, or legal matters, please contact us:

Contact Details

16. Final Disclaimer

FINAL LEGAL NOTICE

This is a legally compliant service designed to protect Nigerian citizens' identity information. Any attempt to circumvent these protections or misuse our platform will be met with the full force of the law.

We maintain comprehensive logs and will provide evidence to authorities upon request.

By using this website or its API, you agree that:

  1. You understand your legal obligations under Nigerian law
  2. You will use the service only for authorized and ethical purposes
  3. You assume full responsibility for all verification activities initiated from your account
  4. You understand that NIN/BVN is not liable for any illegal or unauthorized use of its services
  5. You will cooperate fully with any investigations or legal proceedings

COMMITMENT TO ETHICAL USE

By proceeding to use our services, you make a binding commitment to:

  • Respect the privacy and rights of all individuals
  • Use our platform only for legitimate, legal purposes
  • Obtain proper consent before accessing any identity information
  • Report any suspicious or illegal activities you become aware of
  • Maintain the highest standards of integrity and compliance

These Terms and Conditions constitute a legally binding agreement. Please read them carefully and ensure full compliance.