Terms of Service

Aurra is a WhatsApp-based payment app that enables users to send money to Nigerian bank accounts, purchase airtime, buy mobile data, and pay bills, all through guided screens (WhatsApp Flows) on WhatsApp.

Aurra is not a bank or licensed deposit-taking entity. Payments are processed through CBN-licensed partners. We do not hold your money.

To use Aurra, you must:

• Be at least 18 years of age
• Be a resident of Nigeria or hold a valid Nigerian bank account
• Own or have authorisation to use the WhatsApp number you register with
• Provide a valid National Identification Number (NIN) for identity verification as required by CBN KYC regulations
• Provide accurate, truthful registration information

Creating an account: You must provide your real name, a valid Nigerian WhatsApp number, a valid National Identification Number (NIN), and create a 6-digit PIN. Your NIN is shared with our payment processor for identity verification and virtual account provisioning.

Virtual account: Upon successful registration, you are issued a personal virtual bank account number provided by our payment processor. This account receives bank transfers that fund your Aurra wallet.

Identity verification: After signup we verify your NIN with our payment processor. Once verified, you receive a personal virtual bank account for funding your wallet.

Your PIN is your responsibility: Your PIN authorises every transaction. Do not share it with anyone, including Aurra support staff. We will never ask for your PIN via any channel.

Account security: You are responsible for all activity on your account. If you believe your account has been compromised, contact us immediately at admin@aurra.online.

Lockout policy: Five consecutive incorrect PIN entries will lock your account for 24 hours. This is a security feature we cannot override on demand.

One account per person: You may only hold one Aurra account. Creating multiple accounts is grounds for immediate termination.

Via virtual account (free): You can fund your Aurra wallet by transferring money from any Nigerian bank to your personal virtual account number provided by our payment processor. Transfers are processed within minutes and credited to your wallet automatically.

Deposit fee: Deposits are FREE. We do not charge any fee to fund your wallet via your virtual account.

Wallet balance: Transactions are executed from your Aurra wallet balance. You fund your wallet via your virtual account (bank transfer).

Authorisation: Every transaction requires your 6-digit PIN. By entering your PIN, you irrevocably authorise the transaction.

Double confirmation: Before asking for your PIN, Aurra will always show you the full transaction details (recipient, amount, fee, total). You must reply YES before being asked for your PIN.

Transaction limits: ₦500,000 daily limit for all verified users. We reserve the right to adjust limits for security reasons.

Fees:

• Deposits via virtual account: FREE. No fee, no minimum.
• Wallet transfers up to ₦5,000: ₦50 flat fee
• Wallet transfers of ₦5,001 to ₦9,999: ₦70 flat fee
• Wallet transfers of ₦10,000 and above: ₦115 Aurra fee + ₦50 stamp duty (EMTL)
• Daily free transfer: your first transfer of up to ₦5,000 each day is free (one free transfer per day). Additional transfers, and transfers above ₦5,000, use the standard fees above.
• Savings Box early break: 1% (1 free break per box)
• Airtime and data purchases: no separate fee. Airtime is at face value; data plan prices include a small built-in markup and are shown before you confirm.
• Aurra-to-Aurra transfers: Free (₦0)
• Cable TV bill payments (DStv, GOtv, StarTimes): ₦100 per transaction
• Electricity bill payments: ₦50 per transaction
• Account maintenance fee: ₦200 per month, charged on your signup anniversary in any month where you completed more than 5 transactions, and only when your wallet balance is at least ₦500. If your balance is lower, it is charged automatically the first time it reaches ₦500. This fee covers the WhatsApp (Meta) messaging costs that keep your Aurra account running.

Finality:Completed bank transfers cannot be reversed once the recipient's bank confirms receipt. Always double-check recipient details before confirming.

Failed transactions: If your card is charged or your wallet debited but the transaction fails (for example a rejected bank transfer), you will receive an automatic refund within 15 minutes. Refunds for airtime/data failures are processed within 24 hours.

Session timeout: Transaction sessions expire after 10 minutes of inactivity. You will need to start a new request if your session expires.

You must not use Aurra to:

• Send money to or receive money from illegal activities
• Engage in money laundering, fraud, or financing of terrorism
• Circumvent Nigerian financial regulations or CBN directives
• Use another person's card or account without their consent
• Attempt to manipulate, hack, or reverse-engineer the Aurra system
• Conduct transactions on behalf of third parties as a business without prior written approval

Violation of any of the above may result in immediate account suspension, reporting to relevant authorities, and legal action.

We are not liable for:

• Transactions you authorised with your PIN, even if made in error
• Losses arising from your failure to keep your PIN confidential
• Delays or failures caused by recipient banks or our payment processor
• Service interruptions caused by WhatsApp, Meta, or telecommunications networks
• Losses arising from events outside our reasonable control (force majeure)

Our maximum liability for any claim arising from your use of Aurra is limited to the total fees you paid to Aurra in the 30 days preceding the claim.

We may suspend or terminate your account immediately if:

• We detect suspicious, fraudulent, or illegal activity
• You violate any of these terms
• We are required to do so by law or regulatory directive

You may close your account at any time by contacting admin@aurra.online. Pending transactions will be completed or refunded before closure.

If you have a dispute about a transaction:

• Contact us first at admin@aurra.online with your transaction reference
• We will investigate and respond within 5 business days
• If unresolved, disputes are subject to Nigerian law and the jurisdiction of Nigerian courts

We may update these Terms from time to time. Material changes will be communicated via WhatsApp with at least 7 days' notice. Continued use of Aurra after the effective date constitutes acceptance of the new terms.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the competent courts of Nigeria.

• General: contact@aurra.online
• Disputes and security: admin@aurra.online