The following terms and conditions refer to the offer, acceptance and consideration necessary for the Customer to participate in the use of the MTN’s Xtratime service. By using this product, you are deemed to have read and agreed to the following Terms and Conditions.

The following terminology applies to these Terms and Conditions:

• “Customer“, “You” and “Your” refers to you, the person participating in this service and accepting MTN’s Terms and Conditions.
• “MTN“, “We” and “Us“, refers to MTN Nigeria Communications PLC.
• “MTN Xtratime” refers to this product, the subject matter of these Terms and Conditions, which allows eligible prepaid Customers access airtime on credit when their airtime balance is low.
• “Party” and “Parties” refers to either the Customer or MTN and both the Customer and MTN
• “Service” refers to the MTN Xtratime service being provided by MTN pursuant to these terms and conditions.
• “Xtratime Account” refers to the dedicated account which will be created when a Customer’s request for advance airtime credit is approved. It will be credited with 85% (eighty five percent) of the requested band of airtime. The remaining 15% (fifteen percent) will be withheld as a service charge.

Any use of the above terminology or other words in the singular, plural, capitalization is taken as interchangeable and therefore referring to same. And any reference to natural persons include legal persons and vice-versa and references to any gender includes reference to the other gender and vice-versa.

2.1. The Service will be available to eligible prepaid Customers only.

2.2. Eligibility criteria for the Service includes but is not limited to the following:

• SIM must be prepaid;
• SIM must be registered;
• Customer’s main account balance must be between N0 (Zero Naira) and N75 (Seventy-Five Naira) depending on the band of airtime being requested;
• MTN’s consideration of Customer’s average monthly spend of N200 (Two Hundred Naira) monthly for 3 (three) months;
• Customer must have paid up any previous Xtratime request and the charges associated thereto;
• The Service is open only to persons of 18 (eighteen) years and above. By clicking on Accept, you certify that you are above 18 (eighteen) years and acknowledge that you are fully bound by the legal and other consequences of the Service as contained in these Terms and Conditions.

3.1. The Service can be accessed via the following channels:

• USSD code by dialing *303#
• SMS by sending keywords to 303
• myMTN NG App
• MTN Zigi

4.1. Different credit bands are available to different customers, depending on the Customer’s profile (tenure on network, spend frequency, etc). Available credit bands include:

• N25 Xtratime
• N50 Xtratime
• N100 Xtratime
• N200 Xtratime
• N400 Xtratime
• N500 Xtratime
• N750 Xtratime
• N1,000 Xtratime
• N1,500 Xtratime
• N2,000 Xtratime
• N3,000 Xtratime
• N5,000 Xtratime

4.2. Other MTN Xtratime airtime denominations can be introduced and/or existing denomination withdrawn as the need arises without prior notice to Customers.

4.3. MTN Xtratime airtime will be loaded in a special Xtratime Account for successful requests.

5.1. A Service charge of 15% (fifteen percent) of the requested airtime is charged per successful request. The service charge is first deducted from the airtime, and the balance is then loaded into the Customer’s Xtratime Account.

5.2. Any airtime in a Customer’s main account prior to requesting for MTN Xtratime will be used to partly offset any approved MTN Xtratime airtime request immediately the Customer’s Xtratime Account is credited.

5.3. Subsequent chargeable services e.g. calls, SMS, Data and VAS used by a Customer will be charged from his/her Xtratime Account and not from the main account once the Xtratime Account has been credited.

6.1. MTN Xtratime airtime can be used for all chargeable activities on the MTN network including but not limited to the following:

• Voice calls
• SMS
• Prepaid Data Bundles
• Premium rated services
• Value Added Services

6.2. A Customer will NOT be able to transfer airtime from her/his Xtratime Account using MTN Share ‘n Sell.

6.3. A Customer must recharge her/his main account via any of the available physical, logical or virtual recharge channels to payback the MTN Xtratime airtime borrowed. The amount borrowed is first deducted from the recharge amount and the balance, if any, will then be loaded in the Customer’s main account.

6.4. In cases where the recharge amount is less than the outstanding MTN Xtratime amount, subsequent recharges will be used to recover whatever is outstanding until the loan is fully recovered.

6.5. Where a Customer with an open MTN Xtratime loan tries to purchase a data bundle, SMS bundle or voice minutes bundle, etc., via any of the digital channels, the bundle amount shall be converted to monetary value in the Customer’s account and shall be applied to offset the existing MTN Xtratime loan owed by the Customer.

6.6. Where a Customer with an unsettled MTN Xtratime charge tries to purchase a data bundle, SMS bundle or voice minutes bundle, etc., via any of the digital channels (including but not limited to myMTNApp, FaceBook, myMTNWeb, Google, Zigi, MoMo, etc.), the purchased bundle shall be converted to monetary value in the Customer’s account and shall be applied to offset the existing MTN Xtratime charge owed by the Customer.

6.7. A Customer will still be able to receive calls when his/her Xtratime airtime has been exhausted.

6.8. Whenever a Customer recharges using a different recharge code, e.g. “Awuf4U”, the Xtratime airtime borrowed will first be deducted from the amount recharged, the balance and its associated bonus will then be loaded into their respective dedicated accounts.

6.9. A Customer will be required to pay back the full amount of airtime borrowed even if the MTN Xtratime airtime has not been used at all.

6.10. In cases where a Customer has airtime in both her/his main account and Xtratime Account, any service will first be charged from the Xtratime Account before being charged from the main account.

6.11. There’s no limitation on the number of times a Customer can borrow MTN Xtratime airtime, as long as the Customer has no outstanding MTN Xtratime payment, meets all other eligibility criteria and is within his/her credit limit.

6.12. Where a Customer has failed to make repayment of the MTN Xtratime borrowed including the applicable 15% (fifteen percent) Service fee for use of the Service, within the repayment period of 180 (One Hundred and Eighty) days from the date of request of the MTN Xtratime, the Customer would no longer be granted access to the Service until the full value of the loan has been paid by the Customer. Thereafter the Customer will be permitted to access the Service, if eligible, after monthly profiling of the Customer in line with these Terms and Conditions.

6.13. In line with the above provision, and where the Customer’s phone number appears to be abandoned or no longer in use, MTN will exercise its right to submit the Customer’s default of payment to any Credit Reporting Agency and the Customer hereby absolves MTN of any liability in this regard.

The Customer’s attention is specifically drawn to the provisions of these conditions which limit the liability of MTN:

7.1. Except as expressly set out in these Terms and Conditions, all warranties, and representations, whether express or implied, and whether arising in contract or under common law or by statute are excluded to the fullest extent permissible by law.

7.2. In no event shall MTN or any officer, staff or employee of MTN be liable for any direct, indirect, special, exemplary, punitive, incidental or consequential damages of any kind, whether based in contract, tort or otherwise, which arise out of or are in any way connected with the Service or its terms.

7.3. MTN (and its third-party service providers, affiliates and contractors)is hereby authorized to collect, retain, process, transfer and use the Customer’s personal data for the purpose of providing the Service, improving the Customer’s experience, for marketing purposes, for determining the credit scoring and for submitting the Customer’s credit information to any Credit Reporting Agency as required by law. The Customer hereby absolves MTN of any liability in this regard. The Customer fully consents to the use of any such information obtained and recognizes that such use is not a breach of MTN’s (and its third-party service providers, affiliates and contractors) obligation to protect the Customer’s privacy in that regard.

7.4. It is acknowledged that all MTN services including MTN Xtratime are provided subject to the MTN Consumer Code of Practice.

8.1 You acknowledge and agree that MTN reserves the right to revise these terms and conditions at any time for any reason and reserves the right to make changes at any time, without notice of obligation, to any of the information and materials contained under these terms and conditions. You further acknowledge and agree that by use of this product, you will be bound by any such revisions to the Service, and that you shall periodically visit the MTN website (www.mtnonline.com) to review these terms and conditions.

8.2 MTN reserves the right to amend or cancel the terms of this Service or to withdraw the service entirely without notice.

This service shall be governed by and construed in accordance with Nigerian Law and the parties submit to the jurisdiction of the Courts of the Federal Republic of Nigeria.