Payments, Refunds & Disputes

This Policy explains how payments work on I Sabi Millions, what our refund position is, and how to raise and resolve disputes. It forms part of our Terms of Use and should be read alongside our Privacy Policy. By topping up your wallet or participating in a paid Game Session, you agree to this Policy.

1. How Payments Work

1.1 The In-App Wallet

I Sabi Millions operates an in-app wallet system ("Wallet"). All paid participation in Game Sessions is funded from your Wallet balance. Your Wallet balance is held by BMO Projects Ltd and is not a bank account; it does not accrue interest and is not covered by the Nigeria Deposit Insurance Corporation (NDIC). Player wallet funds are held in a designated ring-fenced account, separate from the Company's own operating and trading funds, so that your balance is not available to the Company's creditors. Wallet balances are reconciled against account records on a regular basis and are subject to audit by the LSLGA or any competent authority on request.

1.2 Topping Up Your Wallet

Wallet top-ups are made exclusively through the I Sabi Millions website (https://www.isabimillions.com/wallet) — not within the App itself. To top up:

1. Log in to your account on isabimillions.com;
2. Navigate to My Wallet → Top Up;
3. Enter the amount you wish to add and select a payment method;
4. Complete the payment through Paystack, our authorised payment processor; and
5. Your updated Wallet balance will reflect in the App in real time.

All payment transactions are processed by Paystack Payments Africa Ltd and are subject to Paystack's terms and privacy policy (https://paystack.com). BMO Projects Ltd does not store your card details. Paystack is licensed and regulated by the Central Bank of Nigeria (CBN).

1.3 Minimum and Maximum Top-Up Amounts

Note on prizes and the wallet balance limit: The ₦200,000 balance limit applies to credits you load via the website. Prize winnings are not subject to this limit. Cash prizes of any amount are held as a prize credit in your account pending cash-out. Where a prize exceeds ₦200,000 and you elect to cash out, the full amount is disbursed directly to your registered Nigerian bank account via Paystack and does not pass through the Wallet top-up system.

1.4 Game Session Entry Fees

Entry fees for paid Game Sessions are deducted from your Wallet at the point of joining a Game Session. The applicable entry fee is displayed clearly in the App before you confirm your entry. By confirming your entry, you authorise the deduction of that amount from your Wallet.

Entry fees are non-refundable once a Game Session has commenced, except where a Game Session is cancelled by the Company before commencement (see Section 3.2).

1.5 In-App Item Purchases

Purchases of in-app items (Extra Life and Comot) are debited from your Wallet at the point of purchase. In-app item purchases are final and non-refundable once the item has been used in a Game Session. Unused items may be eligible for a refund in limited circumstances (see Section 3).

1.6 Subscription Plans

Where the Company offers subscription plans, the following applies:

• Subscription fees are debited from your Wallet or charged directly via Paystack on the agreed billing cycle;
• Subscriptions renew automatically unless cancelled at least 24 hours before the next renewal date;
• You may cancel your subscription at any time through Account Settings → Subscription; and
• Cancellation takes effect at the end of the current billing period — you retain access until then.

2. Prize Cash-Outs

2.1 Cashing Out

Prize winnings are credited to your Wallet balance and may be cashed out at any time through the App via Account Settings → My Wallet → Cash Out. Cash-outs are processed through Paystack to your registered Nigerian bank account or mobile money account.

2.2 Minimum Cash-Out

2.3 Identity Verification for Large Prizes

For prize cash-outs exceeding ₦200,000, we are required to carry out identity verification in accordance with our KYC (Know Your Customer) obligations under the Money Laundering (Prevention and Prohibition) Act 2022 and CBN guidelines. You may be asked to provide:

• Government-issued photo identification (National ID, driver's licence, or international passport);
• Bank Verification Number (BVN); and/or
• Proof of address.

Failure to provide required verification documents within 10 business days of request may result in the prize cash-out being withheld until verification is completed.

2.4 Tax on Prize Winnings

Prize winnings may be subject to Personal Income Tax assessable by the Nigeria Revenue Service (NRS) (formerly the Federal Inland Revenue Service, renamed by the Nigeria Revenue Service Act 2025) or applicable state tax authority. The Company reserves the right to withhold applicable taxes from prize cash-outs and remit them to the relevant authority. Winners are solely responsible for declaring all winnings in their annual tax returns. We do not provide tax advice.

2.5 30-Day Cash-Out Window

In accordance with our Official Contest Rules, prize winnings must be cashed out within 30 days of prize notification. Prizes not cashed out within this period will be forfeited in accordance with the Official Contest Rules. The Company may, at its sole discretion, choose not to award a forfeited prize.

2.6 Gift Box Prize Delivery

The Gift Box (described in the Official Contest Rules §6.3) may award cash prizes or non-cash prizes such as Extra Lives or telecommunications airtime, as announced per draw.

• Cash prizes: Credited to your account prize balance immediately after the draw and may be cashed out in the same way as Game Session winnings, subject to the same KYC and cash-out procedures set out in Sections 2.2 and 2.3 above. The 30-day cash-out window applies.
• Extra Lives: Credited to your in-app wallet immediately after the draw and are available for use in the next Game Session you enter. Extra Lives awarded via Gift Box do not expire within 12 months of the draw date.
• Telecommunications airtime: Delivered to your registered phone number within 48 hours of the draw. If delivery fails (for example, because the phone number is inactive or the network is temporarily unavailable), we will attempt re-delivery once within a further 24 hours. If re-delivery fails, we will contact you via your registered email address to arrange an alternative delivery method or substitute prize of equivalent value. Airtime prizes that cannot be delivered after two attempts and reasonable contact efforts will be forfeited after 14 days from the draw date.
• Other prize types: Where a Gift Box prize is a physical item or a third-party voucher, delivery terms and timelines will be announced at the time of the draw. The 30-day forfeiture window applies to unclaimed vouchers or prizes where delivery has been refused or failed through no fault of the Company.

2.7 Unclaimed Wallet Balances

If your account is inactive (no log-in, game participation, or wallet activity) for a continuous period of 12 months, we will notify you via your registered phone number and email. If the account remains inactive for a further 6 months following notification, we reserve the right to close the account and treat any remaining Wallet balance as forfeited, subject to any overriding requirements under Nigerian law.

3. Refunds

3.1 General Position

All wallet top-ups, game entry fees, and in-app item purchases are final and non-refundable, except in the specific circumstances set out in this Section 3. This does not affect any statutory rights you may have under the Federal Competition and Consumer Protection Act (FCCPA) 2018 or other applicable law.

3.2 Refund-Eligible Circumstances

3.3 Refund Processing

Approved refunds are credited to your Wallet balance by default, or to your original Paystack payment method where the Wallet refund is not feasible. Refunds to bank accounts are processed through Paystack and may take 3–7 business days to appear, depending on your bank.

3.4 Chargebacks

If you initiate a chargeback with your bank or card issuer without first contacting us to resolve the matter, we reserve the right to:

• Suspend your account pending investigation;
• Withhold any pending prize cash-outs until the chargeback is resolved; and
• Permanently close your account if the chargeback is found to be fraudulent or made in bad faith.

We encourage you to contact us at support@isabimillions.com before initiating any chargeback. Most payment disputes can be resolved quickly and directly.

4. Disputes — How to Raise and Resolve

4.1 How to Raise a Dispute

If you believe you have been incorrectly charged, that a refund is owed to you, or that there is an error in your Wallet balance or prize record, please raise a dispute by:

1. Emailing support@isabimillions.com with the subject line "Payment Dispute";
2. Including your registered phone number, a description of the issue, and any supporting information (e.g., transaction reference from Paystack, screenshots); and
3. Raising the dispute within 30 days of the relevant transaction or event.

Disputes raised more than 30 days after the relevant transaction or event may not be investigated, except where the delay was caused by circumstances beyond your reasonable control.

4.2 Dispute Resolution Timeline

4.3 Escalation

If you are not satisfied with the outcome of our dispute process, you may:

• Request escalation to a senior member of our team by emailing legal@isabimillions.com; or
• Refer the matter to the Lagos State Lotteries and Gaming Authority (LSLGA) — the primary regulator for licensed gaming disputes (lslga.lagosstate.gov.ng); or
• Refer the matter to the Federal Competition and Consumer Protection Commission (FCCPC) for general consumer rights matters (fccpc.gov.ng); or
• Initiate arbitration in accordance with Section 13 of our Terms of Use.

5. Security and Fraud

We take the security of your Wallet seriously. To protect yourself:

• Never share your account password, OTP codes, or wallet PIN with anyone, including persons claiming to be I Sabi Millions staff — we will never ask for these;
• Enable two-factor authentication (2FA) where available in Account Settings;
• Report any suspicious activity on your account to support@isabimillions.com immediately; and
• Do not click on links in unsolicited messages claiming to be from I Sabi Millions.

In the event of suspected fraud or account compromise, we may temporarily suspend your account to protect your funds. We will notify you as soon as practicable and work to restore access promptly.

6. Regulatory Compliance

Our payment operations comply with:

• Central Bank of Nigeria (CBN) guidelines on electronic payments and e-money;
• Money Laundering (Prevention and Prohibition) Act 2022 — KYC and transaction monitoring requirements;
• Federal Competition and Consumer Protection Act (FCCPA) 2018 — consumer rights in financial transactions; and
• Paystack's Acceptable Use Policy and applicable card scheme rules.

7. Changes to This Policy

We may update this Policy from time to time. We will notify you of material changes through the App or your registered contact details. Your continued use of the Services after notification constitutes acceptance of the revised Policy.

8. Contact

This Policy is published in compliance with the Federal Competition and Consumer Protection Act (FCCPA) 2018 and applicable CBN guidelines on electronic payments.