Terms and Conditions
Prim Points: Terms and Conditions
Effective date: October 2026
Operated by: Euphr Technologies Limited, RC 7830048, 1 Dan Suleiman Street, Utako, Abuja (“Prim Points”, “we”, “us”)
These terms are for customers. Participating shops (“Merchants”) sign a separate agreement with us. Please read these terms together with our Privacy Notice.
1. What Prim Points is
Prim Points is a rewards programme. You earn points when you shop at participating Merchants, and you can use those points to pay part of a bill at any participating Merchant. By joining, or by asking a Merchant to record a purchase against your phone number, you agree to these terms.
Prim Points is a closed-loop programme. Points are not money, not a bank account, not a wallet, and not a deposit with us.
2. Joining
You must be 18 or older and have a Nigerian mobile number.
One person, one account, one phone number. We may merge or close duplicate accounts.
You can join through the Prim Points app or website, at a Merchant’s till, or by a link we send you. We will check your phone number with a one-time code. You must give true information and keep your phone number up to date.
You choose separately whether to receive (a) messages about your points and (b) offers and news. Declining offers does not affect your membership.
3. Earning points
You earn 1% of the cash you pay on a qualifying purchase at a participating Merchant. Example: pay ₦10,000 in cash and earn 100 points.
Points are rounded down to the nearest whole point.
You do not earn points on the part of a bill you pay with points, on taxes, [service charges, tips,] or delivery fees, on gift cards, or on purchases that are reversed or refunded.
Your points are added once the Merchant records the sale. You will see them in the app, and we will also send you a message if you chose to receive messages. Please check it.
If a Merchant fails to record a sale, tell us within 60 days and keep your receipt. We may ask a Merchant to show proof of a sale, and we may reverse points on a sale that cannot be confirmed.
4. What a point is worth
1 point = ₦1. We will not reduce the value of points you have already earned.
Points have no cash value. They cannot be exchanged for cash, paid out, bought, sold, or transferred to another person, and they earn no interest.
Merchants cannot give you cash or change in place of unused points.
5. Using points
You can use points at any participating Merchant. Participating Merchants may change, and we do not promise that a particular Merchant will always take points.
Points can pay for up to 20% of the bill at one time, so at least 80% is paid in cash or your usual payment method.
The minimum you can use at one time is [₦100]. You cannot use more points than you have.
To use points, show the cashier the short-lived QR code or one-time code in your Prim Points app, and confirm the amount in the app. Points cannot be used without your confirmation. You can see your balance in the app, or by messaging BALANCE to our Whatsapp 09061131423.
Points are used oldest first. A used point cannot be returned except to correct a mistake.
6. Expiry
Points expire 90 days after the day you earn them.
If you agreed to messages, we will try to remind you at least 14 days before points expire. This is a courtesy: points still expire if you do not receive the message.
Points that expire are kept by Prim Points. This is part of how the programme is funded, and we are telling you so there is no surprise.
7. How points are backed
Merchants prefund the points they issue. We do not issue points unless the Merchant’s payment has been received.
Those funds are held in a settlement reserve with our bankers, under an arrangement intended to keep them separate from our operating money.
Your points give you the right to pay part of a bill at participating Merchants. They are not a deposit, and you do not have a claim on the reserve in your own name.
8. Your balance and mistakes
We keep a record of every earn, use and correction. That record is the official record of your balance.
If something looks wrong, message us on Whatsapp +2349061131423 within 60 days. We will check and reply within 2 business days.
If we or a Merchant make a mistake, we will correct it by adding a new entry and tell you. Records are never deleted.
9. Fair use
We may refuse, cancel, or reverse points and suspend or close an account if we reasonably believe there is fraud, abuse or a mistake. Examples: fake purchases, using another person’s phone number, splitting a purchase to get around limits, or working with a Merchant to create points. We will tell you why and give you a chance to respond, unless the law stops us.
10. Merchants
Merchants are independent businesses. They are responsible for their goods, prices, receipts and service. We are not a party to your purchase.
A Merchant may leave the programme. We will tell you where we can, and points earned at that Merchant stay usable at the other participating Merchants.
Merchants only see your activity with them. They may not sell your information or use it for unrelated marketing.
11. Closing your account
You can ask us to close your account at any time by messaging us on WhatsApp +2349061131423. Unused points at closure are forfeited, and we will tell you your balance before closing.
12. Changes and ending the programme
We may change these terms, the earning rate, the list of Merchants, or the redemption rules. For changes that affect points you have already earned, we will give at least 30 days’ notice. We will not reduce the value of points you have already earned.
If we end the programme, we will give at least 30 days’ notice, during which you can still use your points.
13. Your information
We use your information as set out in our Privacy Notice. You can withdraw your choice to receive messages at any time by replying STOP, and you can ask to see, correct or delete your information.
14. Responsibility
We do our best to keep the programme running, but we are not responsible for losses caused by things we cannot reasonably control, such as network or power failure. Nothing in these terms limits your rights under Nigerian consumer protection law.
15. Complaints
Message or call Prim Points support on 09061131423, 9:00am-6:00pm, or email support@primpoints.com. If you are not satisfied, you may contact the Federal Competition and Consumer Protection Commission (FCCPC).
16. Governing law
These terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled by the courts in Abuja.
A rewards network for Nigerian businesses and their customers. Pilot in Abuja.
Euphr Technologies Limited, RC 7830048
Partner businesses only. Points have no cash value. Terms apply.
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