Terms and Conditions of Use

1. Introduction

Welcome to CheckMyNINBVN, 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 and our Privacy Policy.

If you do not agree, you must discontinue use immediately.

CheckMyNINBVN 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.

2. Legal Foundation – NIMC Act 2026

CheckMyNINBVN operates in accordance with the National Identity Management Commission (NIMC) Act 2026, signed into law on June 26, 2026, which repeals and replaces the NIMC Act 2007. Under Nigerian law, it is a legal requirement that no person shall access, verify, retrieve, or use another individual's NIN or BVN information without that individual's explicit consent.

By using CheckMyNINBVN, you:

• Acknowledge the binding force of the NIMC Act 2026 and related Nigerian data protection law.
• Agree to always obtain clear, informed, and verifiable consent from the data subject before initiating any verification request.
• Accept full legal responsibility for any verification or data access carried out without such consent.
• Acknowledge that CheckMyNINBVN is not liable for any misuse of data or violation of applicable laws by users.

The NIMC Act 2026 significantly increases penalties for identity-related offences compared to the 2007 Act, including custodial sentences for fraudulent registration or unauthorized access, and higher minimum fines for corporate entities. Violation of the consent requirement described above constitutes an offense punishable under the NIMC Act 2026 and related Nigerian data protection and cybersecurity laws, and may attract these enhanced penalties.

3. Eligibility and User Obligations

To use CheckMyNINBVN:

• 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.

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.

4. Consent and User Responsibility

4.1 Obtaining Consent

Before submitting any verification request (NIN or BVN), the user must:

• Obtain the data subject's explicit consent, either written, digital, or recorded.
• Confirm this consent at the point of submission, where our system prompts you to do so.
• Maintain evidence of that consent in case of investigation or dispute.

4.2 User Liability

The user bears full responsibility for any action taken using their account or API key.

CheckMyNINBVN shall not be held responsible for any direct, indirect, or consequential damages resulting from actions taken without lawful consent.

If a user violates this clause, they shall bear all civil and criminal liabilities, including fines, penalties, or prosecution by the National Identity Management Commission (NIMC), the Nigeria Data Protection Commission (NDPC), or any other authority, up to and including the enhanced penalties introduced under the NIMC Act 2026.

5. Authorized Use of the Service

Our services are designed for:

• Legitimate identity verification;
• KYC (Know Your Customer) compliance;
• Institutional onboarding verification; and
• Personal data validation with user consent.

You must not:

• Attempt to bypass system security or exploit vulnerabilities;
• Resell or redistribute data obtained through the API;
• Use CheckMyNINBVN to mine data or harvest personal information;
• Engage in activities that violate the privacy rights of others.

6. Data Privacy and Protection

CheckMyNINBVN operates under the Nigeria Data Protection Act (NDPA) 2023 and ensures data is transmitted securely using encryption and token-based authentication.

We process verification requests based on:

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

We do not store, share, or sell any personal data accessed through verification requests beyond what is necessary to provide the service and meet our legal obligations. See our Privacy Policy for full details, including data retention and your rights under the NDPA.

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 system maintenance or external factors.

CheckMyNINBVN shall not be liable for losses arising from service interruptions.

8. Fees, Refunds, and Transactions

All service fees are displayed clearly on the platform.

Once a verification request has been successfully processed, no refunds will be made.

Fraudulent payment activities will be reported to authorities and may result in immediate account suspension.

9. Disclaimer of Liability

CheckMyNINBVN acts solely as a verification intermediary. We are an independent platform and are not NIMC and not an agency of the Federal Government of Nigeria.

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.

10. User-Indemnity Clause

You agree to indemnify and hold harmless CheckMyNINBVN, 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 2026, the NDPA, or other Nigerian laws;
• Your misuse or abuse of our API or platform.

All liabilities from illegal use rest solely with you.

11. Prohibition of Criminal and Fraudulent Use

CheckMyNINBVN maintains a zero-tolerance policy for illegal activities.

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; and
• Reporting to law enforcement, including NIMC, the NDPC, and the EFCC (Economic and Financial Crimes Commission).

12. Termination of Account

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

• Engages in unauthorized verification;
• Fails to comply with these Terms;
• Submits fraudulent or illegal requests.

Termination may occur without notice if we believe the user poses legal or reputational risk.

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 shall be resolved under the jurisdiction of the High Court of the Federal Capital Territory or appropriate State High Court.

14. Amendments

We may modify or update these Terms periodically to reflect changes in laws (including future NIMC or NDPC regulations) or our services. Updates will be posted on this page, and where a change is material, we will ask you to re-confirm your acceptance before you can continue using the platform. Continued use after changes implies acceptance.

15. Contact Information

For inquiries or complaints, please contact:

• 📧 Email: info@checkmyninbvn.com.ng
• 🌐 Website: https://checkmyninbvn.com.ng

16. Final Disclaimer

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

1. You understand your legal obligations under Nigerian law, including the NIMC Act 2026 and the NDPA.
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 CheckMyNINBVN is not liable for any illegal or unauthorized use of its services.