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## Terms of Service

Please read these terms carefully before using ABH Data.

### 1. Acceptance

By accessing or using ABH Data, you agree to be bound by these Terms of Service.

### 2. Services

ABH Data provides virtual top-up (VTU) services for airtime, data, cable TV subscriptions, and bill payments. Service availability may vary by network and region.

### 3. Account Responsibility

You are responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account.

### 4. Payments

Payments are processed through secure third-party gateways. ABH Data is not responsible for issues arising from payment providers, but we will assist in resolving disputes where possible.

### 5. Refunds

Refunds are provided at our discretion. If you do not receive a service after payment, contact support within 24 hours and we will investigate promptly.

### 6. Changes

We may update these terms at any time. Continued use of the service after changes indicates acceptance.

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