Terms & Conditions

Last updated: 2026

Acceptance

By using Hand of Grace VTU, you agree to these terms and applicable Nigerian laws.

Accounts

You are responsible for keeping your login credentials secure and for activity carried out through your account.

Wallet and services

Wallet funding, airtime, data, cable TV, electricity and education services are subject to provider availability, validation and successful processing. Keep your transaction reference when contacting support.

Service issues

Where a transaction is delayed or unsuccessful, support may investigate using the relevant transaction reference and provider records.

Business

Hand of Grace VTU is operated by D Hand of Grace Tech at No. 19, ECWA Church Road, Sauka Kahuta, Minna, Niger State, Nigeria.

Governing law

These terms are governed by the laws applicable in Nigeria.