Last updated: June 12, 2025
By accessing and using StelloWave's bill payment platform, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this platform. These terms constitute a legally binding agreement between you and StelloWave.
StelloWave is a comprehensive bill payment platform that allows users to pay various bills including but not limited to:
We act as an intermediary between you and service providers to facilitate secure and convenient bill payments.
To use our services, you must create an account by providing accurate, current, and complete information. You must be at least 18 years old to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We recommend enabling two-factor authentication for enhanced account security. StelloWave will not be liable for any loss or damage arising from your failure to comply with security requirements.
All payments are processed in Nigerian Naira (NGN). Transaction processing times may vary depending on the service provider but typically complete within 1-24 hours. Some transactions may require additional verification and could take up to 72 hours to complete.
StelloWave charges convenience fees for bill payment services. These fees are clearly displayed before you complete any transaction. All fees are non-refundable except in cases of system errors or failed transactions that result in payment without service delivery.
In the event of a failed transaction, we will attempt to reverse the payment within 5-7 business days. If you experience any transaction issues, contact our customer support team immediately with your transaction reference number.
StelloWave provides digital wallet services for your convenience:
You may only use StelloWave for legitimate bill payment purposes. You must provide accurate information for all transactions and ensure you have authorization to pay bills for the accounts you specify.
You agree not to:
Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Nigerian data protection laws including the Nigeria Data Protection Regulation (NDPR). By using our services, you consent to the collection and use of your information as described in our Privacy Policy.
StelloWave provides bill payment services on an "as is" basis. While we strive for 100% uptime and accuracy, we cannot guarantee uninterrupted service. Our liability is limited as follows:
For transaction disputes or issues, contact our customer support team within 30 days of the transaction date. We will investigate and respond within 7 business days. Most disputes can be resolved through our customer support channels.
If a dispute cannot be resolved through customer support, it may be escalated to mediation. Any legal disputes will be governed by Nigerian law and handled in Nigerian courts with jurisdiction in Lagos State.
StelloWave operates in compliance with all applicable Nigerian financial regulations including Central Bank of Nigeria (CBN) guidelines for payment service providers. We maintain appropriate licenses and registrations required for our operations. Users must comply with all applicable laws when using our services.
We strive to maintain 24/7 service availability but may perform scheduled maintenance that could temporarily interrupt service. We will provide advance notice of planned maintenance when possible. Emergency maintenance may occur without notice to protect system security and integrity.
You may close your account at any time by contacting customer support. Upon account closure, any remaining wallet balance will be refunded to your registered bank account within 7 business days.
We reserve the right to suspend or terminate accounts that violate these terms, engage in fraudulent activities, or pose security risks. In such cases, we will provide notice and refund any legitimate wallet balance after deducting applicable fees and investigating any suspicious transactions.
All content, trademarks, service marks, logos, and intellectual property on the StelloWave platform are owned by StelloWave or its licensors. Users are granted a limited, non-exclusive license to use the platform for bill payment purposes only. Reproduction or distribution of platform content without written permission is prohibited.
We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting on our platform. We will notify users of material changes via email or platform notifications. Continued use of our services after changes constitutes acceptance of the modified terms.
For questions about these Terms of Service or our platform, contact us:
Email: support@stellowave.com
Address: 123 Victoria Island, Lagos, Nigeria
Customer Support Hours: Monday - Friday, 8:00 AM - 8:00 PM WAT
We will respond to inquiries within 24 hours during business days.
If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining terms remain in full force and effect.
By using StelloWave's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.