Terms of Service

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and TextPoint ("we," "our," or "us"), governing your access to and use of the TextPoint platform available at textpoint.ng and any associated mobile applications or services.

We reserve the right to update these Terms at any time. Continued use of the platform after changes are published constitutes your acceptance of the revised Terms.

TextPoint is a premium digital platform that provides users with instant access to virtual and foreign phone numbers for receiving SMS messages and One-Time Password (OTP) verification codes from apps and online services around the world.

Our services include but are not limited to:

• Provision of temporary and long-term virtual phone numbers across 100+ countries
• Forwarding of incoming SMS and OTP messages to your TextPoint account
• Wallet-based credit system for purchasing number access and SMS delivery
• A developer API for integrating TextPoint services into third-party applications

To use TextPoint, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Not be prohibited from using the service under the laws of Nigeria or your country of residence
• Provide accurate, current, and complete information during registration

By using TextPoint, you represent and warrant that you meet all of the above eligibility requirements. TextPoint reserves the right to refuse service to anyone who does not meet these requirements.

To access most features of TextPoint, you must register for an account. You agree to:

• Provide truthful, accurate, and up-to-date registration information
• Maintain the confidentiality of your password and account credentials
• Not share your account with any other person
• Notify us immediately at support@textpoint.ng if you suspect unauthorised access to your account
• Accept full responsibility for all activity conducted under your account

TextPoint is designed for legitimate personal and business use — including account verification, testing, privacy protection, and accessing geo-restricted services. You may use TextPoint only in ways that comply with these Terms and all applicable laws.

Permitted uses include:

• Verifying your own accounts on third-party apps and platforms
• Receiving OTP codes for services you are authorised to access
• Software development and testing via our developer API
• Protecting your personal phone number while using online services
• Accessing services that require a phone number from a specific country

TextPoint operates with a strict zero-tolerance policy toward fraud, abuse, and any activity that causes harm to individuals, businesses, or the integrity of digital services. The following activities are strictly prohibited and will result in immediate account suspension, permanent termination, and may be reported to relevant law enforcement authorities.

6.1 Fraud & Financial Crime

• Using virtual numbers to commit, facilitate, or assist any form of financial fraud
• Using the platform to bypass Know Your Customer (KYC) or Anti-Money Laundering (AML) checks on financial platforms
• Creating fake identities or personas to obtain financial services, credit, or loans under false pretences
• Using TextPoint as part of any advance-fee fraud ("419"), romance scam, investment fraud, or similar scheme
• Facilitating unauthorised access to another person's bank account, cryptocurrency wallet, or financial asset

6.2 Identity Theft & Impersonation

• Impersonating any person, organisation, or government agency
• Using virtual numbers to bypass two-factor authentication on an account you do not own or are not authorised to access
• Harvesting or misusing OTP codes belonging to or intended for another user
• Creating or using fake profiles on any platform to deceive others

6.3 Illegal & Harmful Activity

• Using TextPoint to facilitate any activity that violates Nigerian law or the laws of any applicable jurisdiction
• Sending, receiving, or enabling spam, phishing messages, or unsolicited bulk communications
• Using the platform to harass, threaten, stalk, or harm any individual
• Facilitating the distribution of malware, ransomware, or any malicious software
• Using virtual numbers in connection with illegal drug trade, human trafficking, or any other criminal enterprise

6.4 Platform Abuse

• Creating multiple accounts to exploit promotions, referral bonuses, or free credits
• Reselling, sublicensing, or commercially redistributing TextPoint services without prior written authorisation
• Attempting to reverse-engineer, hack, or disrupt the TextPoint platform or infrastructure
• Automating account creation or service usage in ways that violate these Terms or degrade platform performance
• Misrepresenting your identity or purpose to obtain access to the platform

TextPoint operates on a prepaid wallet system. You must fund your wallet before purchasing virtual numbers or SMS delivery credits.

• All wallet funding is processed in Nigerian Naira (NGN) via our supported payment partners
• Prices for virtual numbers and credits are displayed in your account dashboard and may change without prior notice
• Wallet credits are non-transferable between accounts
• TextPoint is not a financial institution and your wallet balance is not a deposit — it holds no interest and is not insured
• You are responsible for ensuring sufficient wallet balance before placing orders

TextPoint offers two distinct number products, each with its own refund terms. Please read carefully before purchasing.

8.1 Virtual Numbers (Temporary — 20 Minutes)

Virtual Numbers are temporary numbers valid for 20 minutes from activation. They are designed for receiving multiple OTP or SMS codes within that window from any supported service.

• SMS received: If at least one SMS or OTP is successfully delivered to your Virtual Number during the active window, the transaction is considered fulfilled and no refund will be issued.
• No SMS received: If no SMS or OTP is delivered to your Virtual Number before the 20-minute window expires, you are entitled to a full credit refund to your wallet. Refund requests must be submitted within 24 hours of the number's expiry.

8.2 Rent Number (Custom Duration)

Rent Number allows you to lease a dedicated virtual number for a custom duration of your choosing — from a few hours to several days. The number remains exclusively assigned to your account for the full rental period.

• SMS received: Once any SMS or OTP has been successfully delivered to your rented number, the rental is considered active and fulfilled. No refund will be issued for any portion of the remaining rental period.
• No SMS received: If no SMS is delivered at any point during your entire rental duration, you are entitled to a full credit refund to your wallet. Refund requests must be submitted within 48 hours of the rental period ending.
• Early cancellation: Rent Number orders cannot be cancelled mid-rental once activated. The number remains assigned for the full purchased duration.

8.3 General Refund Conditions

• Unused wallet credits: May be refunded upon written request, subject to a processing review and verification of identity.
• Fraudulent funding: Any wallet balance linked to fraudulent or disputed payment transactions will be frozen pending investigation and may be permanently forfeited.
• Refund method: All approved refunds are issued as wallet credits only — not back to the original payment method — unless otherwise required by law.

TextPoint strives to maintain high platform availability, but we do not guarantee uninterrupted access. Services may be temporarily unavailable due to:

• Scheduled or emergency maintenance
• Third-party provider disruptions (number aggregators, payment partners)
• Force majeure events, including but not limited to power outages, natural disasters, or government-mandated restrictions
• Network or infrastructure failures beyond our control

We will make reasonable efforts to notify users of planned downtime and restore services promptly. TextPoint shall not be liable for any loss arising from service interruptions.

All content, technology, design, trademarks, logos, and materials on the TextPoint platform are the exclusive intellectual property of TextPoint and are protected under Nigerian and international intellectual property law.

• You may not copy, reproduce, distribute, or create derivative works of any TextPoint content without express written permission
• The TextPoint name, logo, and brand assets may not be used in any commercial context without prior written authorisation
• Our developer API may be used only in accordance with our API documentation and these Terms

TextPoint is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that:

• The platform will be error-free, uninterrupted, or free of viruses or harmful components
• All virtual numbers will successfully receive OTPs from every third-party service
• The platform will meet your specific requirements or expectations
• Any errors or defects in the platform will be corrected in a timely manner

Your use of TextPoint is entirely at your own risk.

To the fullest extent permitted by applicable law, TextPoint and its directors, employees, partners, and agents shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities arising from your use of the platform
• Any damage resulting from unauthorised access to your account due to your failure to maintain credential security
• Any loss arising from your violation of these Terms or applicable law

Our total aggregate liability to you for any claim arising out of these Terms shall not exceed the amount you paid to TextPoint in the 30 days preceding the event giving rise to the claim.

TextPoint reserves the right to suspend or permanently terminate your account at any time, with or without notice, for any of the following reasons:

• Violation of any provision of these Terms
• Engagement in or suspicion of fraudulent, illegal, or abusive activity
• Failure to pay for services or disputed chargebacks
• Providing false registration information
• Any conduct that we reasonably believe poses a risk to TextPoint, other users, or the public

Upon termination, your access to the platform and any associated wallet balance may be immediately revoked. You may close your account at any time by contacting support@textpoint.ng.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising from or relating to these Terms or your use of TextPoint shall be subject to the exclusive jurisdiction of the courts of Nigeria.

Before initiating any legal proceedings, you agree to first contact us at legal@textpoint.ng to attempt resolution in good faith within 30 days.

For questions about these Terms, to report abuse, or to seek clarification on any provision, please contact us:

We aim to respond to all enquiries within 5 business days.