Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and the Petroleum Products Retail Outlets Owners Association of Nigeria ("PETROAN", "we", "us", or "our") governing your access to and use of the PETROAN mobile application, website, and all related services (collectively, the "App" or "Services").

By tapping "I Agree", registering an account, or otherwise accessing the App, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy, which is incorporated herein by reference.

These Terms may be updated from time to time. Continued use of the App after updates are published constitutes your acceptance of the revised Terms.

2. Eligibility

You may use the PETROAN App only if:

• You are at least 18 years of age.
• You are a registered PETROAN member, an authorised representative of a member organisation, or a registered worker under a member's group policy.
• You have the legal capacity to enter into binding contracts under Nigerian law.
• You are not prohibited from receiving the Services under any applicable law or regulation.

Use of the App by persons who do not meet these criteria is strictly prohibited. PETROAN reserves the right to verify your membership status at any time.

3. Your Account

3.1 Registration

To access the full features of the App, you must register an account using your PETROAN membership credentials. You agree to provide accurate, current, and complete information during registration and to keep it updated.

3.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You must:

• Choose a strong, unique password and not share it with anyone.
• Log out from shared or public devices after each session.
• Notify PETROAN immediately at support@petroan.ng if you suspect unauthorised access to your account.

PETROAN will not be liable for any loss resulting from unauthorised use of your account where the compromise is due to your failure to keep credentials secure.

3.3 One Account Per Member

Each PETROAN member may maintain only one active account. Creating multiple accounts constitutes a breach of these Terms.

4. Services Provided

The PETROAN App provides the following services to eligible members:

• Insurance policy management (viewing, renewing, and managing group life, motor, and property policies).
• Insurance claims submission and status tracking.
• Premium payment processing via the integrated wallet powered by ALATPay.
• Worker enrollment and beneficiary management under group schemes.
• Emergency incident reporting and coordination.
• Station location services.
• Member notifications and communications from PETROAN.

PETROAN reserves the right to modify, suspend, or discontinue any feature or service at any time with or without notice, though we will endeavour to provide reasonable advance notice for material changes.

5. Insurance Services

5.1 Underwriter

All insurance products offered through the PETROAN App are underwritten by NICON Insurance Ltd, a licensed insurer regulated by the National Insurance Commission (NAICOM). PETROAN acts solely as an administrator and distribution channel. The actual insurance contract is between you and NICON Insurance Ltd.

5.2 Policy Terms

Your rights and obligations under any insurance policy are governed by the specific policy schedule and certificate issued to you by NICON Insurance Ltd. These Terms do not alter, replace, or supplement any provision of your individual insurance contract. In the event of conflict, the terms of the policy certificate shall prevail with respect to insurance coverage.

5.3 Claims

PETROAN provides tools to facilitate insurance claim submission. However, all claim decisions — including approvals, rejections, and settlement amounts — are made exclusively by NICON Insurance Ltd in accordance with your policy terms. PETROAN does not guarantee any particular claim outcome.

You must provide accurate and complete information when submitting a claim. Submission of false, fraudulent, or exaggerated claims is a criminal offence under Nigerian law and will result in immediate account suspension and referral to law-enforcement authorities.

5.4 Renewals

Renewals facilitated through the App are subject to the insurer's acceptance and any updated terms at the time of renewal. Premium amounts may vary. You are responsible for ensuring adequate coverage remains in force.

6. Payments & Wallet

6.1 Payment Processing

Premium payments and wallet transactions are processed by ALATPay (a service of Access Bank Plc). By using the payment features, you also agree to ALATPay's terms and conditions. PETROAN does not store full card numbers, PINs, or sensitive payment credentials.

6.2 Wallet

The PETROAN in-app wallet is a stored-value facility for paying insurance premiums and receiving claim settlements. Your wallet balance is held by ALATPay on your behalf. PETROAN is not a financial institution and does not provide deposit-taking services.

6.3 Refunds

Refund eligibility for insurance premiums is governed by the policy terms of NICON Insurance Ltd. Wallet funding topped up in error may be reversed upon request within 24 hours of the transaction, subject to ALATPay's policies. Transaction charges are generally non-refundable.

6.4 Failed Transactions

In the event of a failed or duplicate transaction, contact our support team at support@petroan.ng. We will investigate and, where applicable, coordinate a reversal with ALATPay within 5–10 business days.

7. Acceptable Use

You agree to use the App only for lawful purposes and in accordance with these Terms. You are responsible for ensuring that your use of the App complies with all applicable Nigerian laws and regulations, including the Insurance Act, NDPA 2023, and the CBN Payments Framework.

8. Prohibited Conduct

You must not:

• Submit false, fraudulent, or misleading information in any form — including during registration, policy enrollment, or claim filing.
• Attempt to access another member's account without authorisation.
• Reverse-engineer, decompile, or disassemble any part of the App.
• Introduce malware, viruses, or any code designed to disrupt, damage, or gain unauthorised access to our systems.
• Use the App to transmit spam, unsolicited communications, or advertising.
• Use automated tools, bots, or scrapers to access or extract data from the App.
• Impersonate PETROAN, NICON, ALATPay, or any other person or organisation.
• Use the App in any way that could damage PETROAN's reputation or interfere with other users' enjoyment of the App.
• Facilitate or assist any third party in violating these Terms.

Violation of these prohibitions may result in immediate account suspension, civil liability, and/or criminal prosecution under applicable Nigerian law.

9. Intellectual Property

All content in the App — including text, graphics, logos, icons, images, software, and data — is the property of PETROAN or its licensors and is protected by applicable Nigerian and international intellectual property laws.

PETROAN grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the App solely for personal, non-commercial purposes in connection with your PETROAN membership. This licence does not include the right to:

• Copy, reproduce, or distribute any App content without prior written permission.
• Create derivative works based on the App.
• Use PETROAN's trademarks, logos, or branding without authorisation.

10. Disclaimers

The App is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, PETROAN disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Guarantees of uninterrupted, error-free, or secure operation of the App.
• Accuracy or completeness of information displayed in the App, including policy data sourced from third-party systems.

PETROAN does not warrant that the App will be free from defects, viruses, or harmful components.

11. Limitation of Liability

To the maximum extent permitted by applicable law, PETROAN, its officers, employees, agents, and partners shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use—or inability to use—the App, including but not limited to:

• Loss of data, revenue, profits, or goodwill.
• Service interruptions or system failures.
• Decisions made by NICON Insurance Ltd regarding claims or policy terms.
• Third-party actions, including those of ALATPay or other service providers.

Where liability cannot be excluded by law, PETROAN's total aggregate liability to you for all claims arising out of or relating to these Terms shall not exceed the total premiums paid by you through the App in the three (3) months preceding the event giving rise to the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless PETROAN and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of:

• Your violation of these Terms.
• Your use of the App in an unlawful manner.
• Your infringement of any third-party rights, including intellectual property or privacy rights.
• Any false, incomplete, or misleading information provided to PETROAN, NICON, or ALATPay.

13. Termination

PETROAN may suspend or terminate your access to the App at any time, with or without notice, if:

• You violate these Terms or any applicable law.
• Your PETROAN membership lapses or is revoked.
• Your account shows signs of fraudulent activity.
• We are required to do so by law or regulatory authority.

You may terminate your account at any time by following the process described in our Account Deletion Policy. Upon termination, your licence to use the App ceases immediately.

Sections 9 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 14 (Governing Law) survive termination of these Terms.

14. Governing Law & Dispute Resolution

These Terms and any dispute arising from your use of the App are governed by the laws of the Federal Republic of Nigeria, without regard to its conflict-of-law principles.

In the event of a dispute, you agree to first contact PETROAN in writing to seek an amicable resolution. If the dispute is not resolved within 30 days, it shall be referred to arbitration in Abuja, Nigeria, under the Arbitration and Conciliation Act, with proceedings conducted in the English language. The arbitral decision shall be final and binding on both parties.

Nothing in this clause prevents either party from seeking urgent injunctive relief from a competent court.

15. Changes to Terms

We may revise these Terms at any time. When we make material changes, we will notify you via an in-app banner or push notification at least 14 days before the changes take effect. The "Last updated" date at the top of this page will always reflect the most recent version.

If you do not agree to the revised Terms, you must stop using the App before the effective date of the changes. Continued use of the App after that date constitutes acceptance of the revised Terms.

16. Contact Us