Give yourself a chance! PayDay Lotteries – Nigeria’s number 1 lottery service

Terms & Conditions

IMPORTANT NOTICE: PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING OR USING THE PAYDAY LOTTERIES LIMITED LOTTERY SERVICE.

© PayDay Lotteries Limited 2014. All rights reserved.

1. Acceptance of Terms

These terms and conditions ("Terms") are a legal agreement between you and PayDay Lotteries Limited ("Company", "we" or "us") for using the lottery service ("Service") promoted at www.paydaylotteries.com.ng ("Site"). They cover your participation in the lottery, Raffle and fixed odds numbers games made available by the Company on the Site ("Game" or "Games"). By accessing any part of the Site or by using the Service you agree to be bound by the Terms in full. If you do not wish to accept any of the Terms you should not continue to use the Site and you must not continue to use the Service.

These Terms do not affect your statutory rights.

2. Variation of Terms

The Company may update the Terms from time to time. You should periodically review the Terms for changes; although where changes are made we will notify you by putting a notice on the Site. If you continue to use the Service after the date on which any changes come into effect, your use of the Service indicates your agreement to be bound by the new Terms. If you do not wish to accept the new Terms you should discontinue your use of the Service.

3. Company

The Company is registered as a limited company in the Federal Republic of Nigeria under registration number RC 989908. The Company's registered office and its address for service is at No. 15, Abdul Diouf Street, Asokoro, Abuja.

The Company was granted a Category A Licence to operate a national lottery business on the 20th June 2012 by the National Lottery Regulatory Commission subject to the provisions of the National Lottery Act, 2005 and the Regulations made thereunder.

To use the Service and play the Games you must be eighteen years of age or over.

Employees, Directors and officers of the Company and their families, agents and affiliate companies are not eligible to claim any prizes from playing the Games. The Service is only available to you if you are resident in a state or country where entering such Games is allowed by the laws of that state and/or country. The Company does not intend for anyone to play a Game where it is illegal. Your participation in any Game is void wherever prohibited by any applicable law. You accept sole responsibility for determining whether your participation in a Game is legal in the state and/or country where you live.

The Company may, at any time, limit your entries or bar you from entering any Game, without giving reasons. You do not have a right to purchase entry to any Game.

4. Prize Disputes

In the event of a dispute over payment of any prizes the Company shall assume that the person who is the registered owner of the mobile number (MSISDN) from which a valid entry is received is the person entitled to receive any prizes, winnings or other benefits. The record received and maintained by the Company of the chosen numbers comprising your entry will be determinative. The Company is not obliged to enter into any correspondence in the event of a dispute and its decision about the winning numbers and identity of a winner shall be final. If the Company pays a prize to a person who was not eligible to play a Game, such prize shall be repayable by that person to the Company on demand.

5. Void or Incomplete Entries and Incomplete Text Messaging

Your entry may be voided (as well as winnings forfeited) by us if we have a justifiable concern that you have participated fraudulently in the Games, have attempted to tamper with any of the Games or have breached any of these Terms. Prizes will also be forfeited if you are unwilling or unable to provide us with adequate identification when requested. Entries will be voided in all cases where for technical or other reasons the Payment or entry is not received or fully received by us. You will be notified as soon as possible that your entry has been voided. The Company reserves the right to void all entries due to system errors or failures or in errors generating random numbers. Should there be such an error or failure, the Company shall return all stakes made by you in relation to such voided entries. When there are System, Network, Payment or SMS Gateway delays we will queue your entry for entry in the next available game. After receiving your entry, if we are unable to verify for any reason that you have sufficient Gaming Credits to pay the entry charge your entry will be cancelled and void.

6. Service Description

Games may be entered via the internet or via SMS.

Naija Star:

Is a single entry, double draw Game where the first game is a fixed odds Pick 5 instant game with a draw every 30 seconds and the second draw is the annual Naija Mega Millions. You acknowledge that the chance of winning any prize in a fixed odds Game are exactly the same for each entry and the odds are not affected by previous entries or the number of prizes previously won in that Game.

The method of entry is described in The Games section of the Site. The cost of entering the Naija Star Game is ₦100 but this does not include your standard text message charge when you enter by SMS which will be billed by your mobile or network operator. When we have received your entry we will check that you have an account and that you have sufficient Gaming Credits to cover the entry charge. If you do not have sufficient Gaming Credits in your Gaming Credit Account (SA1) your entry will be cancelled and void. We will send you a text message notifying you that your entry has been cancelled due to insufficient Gaming Credits.

The ₦100 entry cost is broken down and used as follows:

  • ₦20 National Lottery Trust Fund
  • ₦50 Prize allocation
  • ₦30 The Company

The returns (i.e. the prizes) will be as posted on the Site from time to time. Please refer to the Site if you want to be reminded of the prizes before making your entry. The cost of your entry will be charged to your SA1 Account.

Naija Millions:

Is a single entry, double draw Game where the first game is a fixed odds Pick 6 daily game drawn at 8pm each day and the second draw is the annual Naija Mega Millions. You acknowledge that the chance of winning any prize in a fixed odds Game are exactly the same for each entry and the odds are not affected by previous entries or the number of prizes previously won in that Game.

The method of entry is described in The Games section of the Site. The cost of entering the Naija Millions Game is ₦200 but this does not include your standard text message charge which will be billed by your mobile or network operator. When we have received your entry we will check that you have an account and that you have sufficient Gaming Credits to cover the entry charge. If you do, you will be entered into the next available game and a confirmation SMS will be sent to you. If you do not have sufficient Gaming Credits in your Gaming Credit Account (SA1) your entry will be cancelled and void. We will send you a text message notifying you that your entry has been cancelled due to insufficient Gaming Credits.

The ₦200 entry cost is broken down and used as follows:

  • ₦40 National Lottery Trust Fund
  • ₦100 Prize allocation
  • ₦60 The Company

The returns (i.e. the prizes) will be as posted on the Site from time to time. Please refer to the Site if you want to be reminded of the prizes before making your entry. The cost of your entry will be charged to your SA1 Account.

Naija Super Millions:

Is a single entry, double draw Game where the first game is a Pari Mutual Pick 7 weekly game drawn at 8pm each Saturday and the second draw is the annual Naija Mega Millions. You acknowledge that the chance of winning any prize are exactly the same for each entry and the odds are not affected by previous entries or the number of prizes previously won in that Game but the exact value of prizes depends on how many tickets are sold and how many entries match the same quantity of numbers as you. For example, if two or more entries match seven numbers then the jackpot is split between them. This is the same for all prize levels.

The method of entry is described in The Games section of the Site. The cost of entering the Naija Super Millions Game is ₦500 but this does not include your standard text message charge which will be billed by your mobile or network operator. When we have received your entry we will check that you have an account and that you have sufficient Gaming Credits to cover the entry charge. If you do, you will be entered into the next available game and a confirmation SMS will be sent to you. If you do not have sufficient Gaming Credits in your Gaming Credit Account (SA1) your entry will be cancelled and void. We will send you a text message notifying you that your entry has been cancelled due to insufficient Gaming Credits.

The ₦500 entry cost is broken down and used as follows:

  • ₦100 National Lottery Trust Fund
  • ₦250 Prize allocation
  • ₦150 The Company

The Prize Money allocated to each Prize Pool from the allocated entry proceeds are as follows:

  • Match 7 Prize Pool 40.00%
  • Match 6 Prize Pool 10.00%
  • Match 5 Prize Pool 5.00%
  • Match 4 Prize Pool 5.00%
  • Match 3 Prize Pool 10.00%
  • Match 2 Prize Pool 30.00%
  • Match 1 Prize Pool 0.00%
  • Match 0 Prize Pool 0.00%

The returns (i.e. the prizes) will be as posted on the Site from time to time. Please refer to the Site if you want to be reminded of the prizes before making your entry. The cost of your entry will be charged to your SA1 Account.

Naija Mega Millions:

Is a Raffle style game that is drawn on the 1st of January every year. Each time you enter a Naija Star, Naija Millions or Naija Super Millions game the Game Code for that entry is entered into the Naija Mega Millions draw. These Game Codes are drawn randomly to determine the winners. Prizes are allocated as follows; at the time of the draw the accumulated Prize Pool will be divided by 2 with half the money paid to one winner as the Jackpot. The balance of the Prize Pool will be divided by 1,000,000 and the subsequent number will determine how many ₦1,000,000 prizes will be paid to other randomly picked winners. Any Prize Pool money unallocated will be rolled over to the next years draw.

By playing any Games you acknowledge that its outcome is not pre-determined and does not involve the exercise of any skill or judgment.

It is your responsibility to ensure the details of your entries are correct. Once you have made an entry you cannot withdraw, alter or vary that entry. You will be notified by SMS text message direct to you mobile handset if you have won or lost. The winning numbers of the Games will also be posted on the Site.

7. Game Restrictions

We will accept a limited number of entries on any one number in each of the following Games.

This rule is defined as follows:

Naija Star Pick 5 Fixed Odds Game: Three same number entries per 100,000 entries. Example, if there are 100,001 entries 6 same number entries are allowed.

Naija Millions Pick 6 Fixed Odds Game: Three same number entries per 1,000,000 entries. Example, if there are 999,999 entries only 3 same number entries are allowed.

8. Responsible Gaming

In order to promote responsible gaming you are limited to a maximum of 35 entries to our games in aggregate in a calendar week. You should not play lotteries any more than you can comfortably afford to spend. If you consider that you may have a gaming problem review the Responsible Gaming page on our Site.

You can choose to block your phone at anytime by following the instructions on the Site, which you acknowledge will prevent any Game entries being placed from the relevant mobile number for a minimum period of 26 weeks or a greater period of time chosen by you, up to 999 weeks.

9. Payment of Prizes and Money on SA2 Account

We shall pay or enable the payment of your prizes no later than 7 working days after a valid win. For security, any payment request will require your 4 digit pin.

All prize money will first be credited to your Prize Account (SA2) and will NOT be available to enter Games. The balance of your SA2 Account can be claimed by SMS command or on the website or can be transferred to a friend or one of our Agents, see SMS Commands on the Site.

We reserve the right to request specific forms of identification from you prior to any payment. No prizes will be due on voided entries and our determination of the winning entries will be final. Claims must be made within 180 days of being notified that you have won a Game. After this time, no prize will be paid. When you receive a prize, it is your responsibility to ensure that you have received the full amount due. If, in the reasonable belief of the Company the person claiming the prize is not the authorised account holder or the information required to claim a prize is incomplete, the Company shall not be obliged to pay the prize.

You agree that the Company has the right to deduct the cost of making any payment from your SA2 Account from the amount being paid. If there is insufficient credit to cover such a charge, no payment will be made.

You agree that you are responsible to keep all prize payment information issued by us or one of our payment partners safe and secure and you indemnify us against the loss of any such information.

You agree that it is your sole responsibility to claim any prize money.

You agree that if the Company is required by any applicable law or regulatory body to provide your personal details or details of any prize you have won or claimed, the Company shall be entitled to do so.

10. Suspension or Termination

The Company may suspend or terminate your account immediately at our reasonable discretion or if you breach any of your obligations under these Terms.

Paragraphs 13, 14 and 15 of these Terms shall survive cancellation.

11. Intellectual Property

The content of the Site, including the Games and the Service is protected by copyright, trade marks, database and other intellectual property rights. You may retrieve and display the content of the Site on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Site or in the Games without written permission from the Company. No intellectual property rights relating to the Site shall be acquired by any player of any Game.

12. Your use of the Site

You agree that you will not use the Site for any of the following purposes:

  • transmitting material that would cause or be likely to cause any harm to the Company's computer system, Site, Service, Games or any other computer system;
  • transmitting any unlawful, harassing, libellous, abusive, threatening, harmful or otherwise objectionable material;
  • transmitting material containing any form of junk mail, chain letter, game or "spam";
  • interfering with any other person's use of the Site; or
  • gaining unauthorised access to other computer systems.

13. Exclusion of Liability

Although the Company will use reasonable skill and care in providing the Service and the Games, it gives no other warranties or guarantees in relation to the Service or the Games. You must bear the risks associated with use of the Internet.

In particular, we disclaim all liabilities in connection with the following:

  • • Any late or undelivered entries, registrations or communications due to, without limitation, your mobile phone device being out of reception or off or your message mailbox being full or your internet connection failing or the mobile network being unavailable;
  • Any delays, errors or omissions in the payment of prizes due to a banking system, postal service or other delivery service;
  • Any form of technical failure, error or malfunction in the Site and/or our systems;
  • incompatibility of the Site with any of your equipment, software or telecommunications links; or
  • Any other event beyond its reasonable control that may cause the operation of a Game and/or the Service to be disrupted, unavailable or incorrect.
  • The Company reserves the right to withdraw the Service or any part of the Service at any time and will not be liable to you as a result of such action.
  • You agree that we will not be liable to you for any losses related to any business interests that you have, such as lost data, lost profits or business interruption.

Nothing in these Terms shall exclude the Company's liability for personal injury or death caused by its negligence.

14. Personal Information

Any personal information you supply will be used in accordance with our Privacy Policy. However, by using the Service you are deemed to consent to the use of your name for publicity and commercial purposes without further compensation or permission. You must ensure that the details provided by you at any time are correct and complete. You may access certain details regarding your transaction history by going to the Site and following the instructions. The Company will make available the last six months details relating to your transaction history. If you want more information please write to the Company.

15. Contact

Your feedback is important. In the unlikely event of you being dissatisfied with the Service, please contact us via our contact form on the Site or by telephone as advised on the Site. The Company will endeavour to respond to you within one working day.

16. General

You may not assign, sub-license or otherwise transfer any of your rights under these Terms.

A person who is not party to these Terms shall have no right under these Terms. These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria and shall be subject to the exclusive jurisdiction of the Courts of Abuja.

If any provision of these Terms is found to be invalid by any court having competent jurisdiction the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

If you breach these Terms and the Company ignores this, the Company will still be entitled to use its rights and remedies at a later date or in any other situation where you breach these Terms.

You agree that you are responsible to keep all prize payment information issued by us or one of our payment partners safe and secure and you indemnify us against the loss of any such information.

You agree that it is your sole responsibility to claim any prize money

November 2014

Responsible Play

Payday Lotteries has developed policies and practices that address problem gambling.

Find out more about responsible play

SMS Commands

  • Help

    When you text “help” you will receive a message explaining that you can text certain key words to get further information

  • Balance

    When you text “balance” you will receive a message giving you your Gaming Credit Account (SA1) and your Prize Money Account (SA2) balance.

  • Register

    When you text “register” you will receive a message explain how to register by SMS.

  • Ban

    When you text “ban” your phone will be stopped from playing any games for 26 weeks or a longer period defined by you.

See full list of commands here