Terms and conditions


Please read these Terms and Conditions carefully before using the Card.Kcblaq Platform (“Platform”). Customers who are under 18 years of age should review these terms and conditions with a parent or guardian. Your access to and use of the Platform by way of any Device is conditioned on your acceptance of and compliance with the provisions of these Terms and Conditions. By accessing or using the Platform you agree to be bound by these Terms and Conditions as amended at any time and posted on the website www.card.kcblaq.com. If you disagree with any part hereof, do not access the Platform. In addition, your use of the Platform shall be subject to any applicable regulatory guidelines or rules. All such guidelines or rules are hereby incorporated by reference into the Terms and Conditions.



The Platform is an e-PIN purchase application that allows you purchase PIN for examinations like WASSCE, NECO, NABTEB and purchase JAMB forms via the web (www.card.kcblaq.com). All transactions performed are final and cannot be recalled except in the case of PIN error, which would be rectified after confirmation from the concerned examination body(ies). 


In the event of a failed transaction (i.e. user has been debited for transaction, but value was not received), please send the following details to info@kcblaq.com for resolution: user’s mobile number, transaction amount, transaction date, card type and any other detail we would request to enable us resolve your complaint. We shall use our best endeavors to liaise with the applicable examination body and/or merchant to resolve your transaction issue.



Your email address and phone number supplied at sign-up will be used as a means of communicating information, notices and documents to you. Any changes to such information should be notified to your email address.


You are responsible for all transactions conducted using your computer (personal or otherwise), mobile phone, tablet or other electronic device (“Device”), payment card or account. It is your responsibility to keep all of these secure

Your password must be kept secret. You are liable for all activities undertaken using your username, associated password or Device. You are responsible for maintaining the confidentiality of your Account information and keeping your Device from unauthorized use.

We accept no liability for any unauthorized use of your Device, payment card or account or any effects of same.

In the event your Device has been stolen or there is an unauthorized access to your Card.Kcblaq account, it is your responsibility to immediately notify us at info@kcblaq.com.


We hereby reserve the right to suspend, restrict, or terminate your access to the Platform (in whole or in part) without any notice or liability in the following circumstances:

  • Upon receipt of instructions from you to suspend or terminate your access to the Platform

  • Upon receipt of notification from you that your Device has been lost or stolen

  • If we suspect the Platform is being used for fraudulent or other illegal activities.

  • If we are of the opinion that you have breached a provision contained in this Terms and Conditions.

  • If we are of the opinion that continued access to the Platform will be detrimental to our business.

  • If you provide any information that is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to suspect that such information is untrue, inaccurate, not current, or incomplete.




You shall not and shall not permit any person using your Device or account to:


  • use this Platform in a way that causes or could cause damage or restrict the availability or accessibility of the Platform;

  • store, copy, transmit, publish or distribute any computer virus, spyware, Trojan horse, worm, keystroke logger or other malicious software via this Platform;

  • conduct any fraudulent or illegal activities via the Platform;

  • You hereby understand and agree that if a fraudulent activity is associated with the operation of your account, we have the right to apply restrictions to your account and report to the appropriate law enforcement agencies.


You agree to indemnify KcBlaq.com, and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses due to or arising out of any transaction you process through the Platform.

You agree to indemnify KcBlaq.com and its subsidiaries, affiliates, officers, agents and employees for any loss, damages, liabilities, sanction, claims, suits, fines, charges, expenses arising from your violation of this Terms and Conditions.


In no event shall we be liable for:

  • unavailability of the Platform at any time or your inability to use the Platform.

  • any form of delivery or failure thereof by an examination body or  merchant listed on the Card.Kcblaq Platform.

  • erroneous input of transaction details.

  • any loss arising from any failure or delay in any mobile phone networks or internet service provider or defective Device.

  • any special, indirect, incidental, punitive, or consequential damages, including loss of profits, however caused.


We reserve the right to terminate, change, suspend or discontinue any aspect of the Platform at any time and without notice.

We reserve the right to amend these Terms and Conditions at any time and at our sole discretion. We shall give you notice of such amendment by publication of the amended version via the Platform. Your continued access to and use of the Service is your acceptance of and compliance with the updated Terms and Conditions. If you disagree with any part of hereof, do not access the Platform.

You are responsible for your connection to the mobile phone networks, the Internet and all costs associated with these connections.

All copyright, trademarks and other intellectual property rights used as part of our services or contained on the Platform belong to us or its licensors. Nothing set forth in this Terms and Conditions shall constitute a transfer, license or assignment by us to you of any Intellectual Property Rights owned by us or displayed on the Platform

If any provision of this Terms and Conditions is declared unlawful and/or unenforceable by operation of law, any court or authority, such provision be severed from this Terms and Conditions and rendered ineffective so far as is possible without modifying the remaining provisions of this Agreement.

You agree that regardless of any provision of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Platform or the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred and extinguished.

You acknowledge and agree that this Terms and Conditions be interpreted and enforced in accordance with the laws of the Federal Republic of Nigeria.

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