Terms & Conditions

These terms govern your participation while playing PrimeLotto games across all supported channels: USSD (*20205#), SMS (20205), SAT Push, and the Web Platform. Please review them carefully.

1. Acceptance of Terms

By accessing or playing PrimeLotto through USSD (*20205#), SMS (20205), SAT Push, or the Web Platform, you agree to be bound by these Terms and Conditions.

If you do not agree with any part of these terms, you must immediately discontinue using the service. You may unsubscribe at any time by sending STOP {KEYWORD} to 20205 or by dialling *305#.

2. Eligibility, Registration and Account Access

2.1. Minimum Age

You must be at least 18 years old to participate in PrimeLotto games.

2.2. Account Identification and Responsibility

Your PrimeLotto account is linked to your registered mobile phone number, which serves as your primary account identifier. You are responsible for all activities carried out under that mobile number.

2.3. Registration Requirements

Web Platform

To register directly on the PrimeLotto website, you must provide:

A username.
A valid email address.
A phone number.
A password.
Confirmation of your password.

Telecom Platforms: USSD, SMS and SAT Push

When you first subscribe through a telecom channel, PrimeLotto automatically creates an account linked to the phone number used to access the service. You will then be prompted to provide a username to complete your profile.

2.4. Login Requirements

Web Platform

Returning users must log in using their registered phone number and password.

Telecom Platforms: USSD, SMS and SAT Push

Users accessing PrimeLotto through telecom channels are automatically authenticated through their registered mobile number when they dial the applicable shortcode or send the relevant keyword. No manual login is required.

2.5. Unified Cash Wallet

PrimeLotto operates a unified cash wallet system. Your cash-wallet balances and account progress are synchronised across the supported platforms.

2.6. Moving Between Platforms

From Telecom Platforms to the Web Platform

If you originally subscribed through USSD, SMS or SAT Push, you must complete a partial registration before accessing your account on the Web Platform. A secure URL will be provided beneath each SMS gaming prompt, directing you to the website to:

Provide an email address.
Create a password.

From the Web Platform to Telecom Platforms

If you originally registered on the Web Platform, you may access PrimeLotto through USSD, SMS or SAT Push without further registration or login, provided you use your registered phone number.

2.7. Session Expiry

USSD and SMS: Your gaming session expires after 10 minutes of inactivity. To continue playing, you must re-enter the applicable SMS keyword or USSD code.

Web Platform: Your login session expires after one hour of inactivity. You will be logged out automatically and must log in again to continue using your account.

3. Subscriptions, Billing and Payment Charges

3.1. Applicable Games

The subscription and billing arrangements in this section apply to the following PrimeLotto games:

Religious Read & Win.
Football Trivia Quiz.
Daily Lotto.
Wheel of Fortune.

3.2. Conventional Daily Subscriptions

The standard daily subscription costs ₦100 per day and is available in two options:

24-hour one-off subscription: Access for a single 24-hour period.
Daily auto-renewal subscription: Access that renews automatically each day.

These subscription packages ordinarily permit one play per day, subject to the resubscription and Accumulated Gameplay provisions in Section 4.

3.3. On-Demand Subscriptions

On-Demand gameplay costs ₦100 per session.

Users may play multiple sessions, including back-to-back sessions, within a 24-hour period. Each session is billed separately.

Fallback pricing does not apply to On-Demand subscriptions.

3.4. Dynamic Fallback Billing

For eligible daily subscriptions through USSD and SMS, if your airtime balance is insufficient for the standard ₦100 charge, PrimeLotto will automatically attempt fallback charges at the following amounts:

₦50
₦30
₦20
₦10

A successful charge at any of these fallback amounts counts as a Paid Play.

Fallback billing applies only to USSD and SMS daily subscriptions. It does not apply to the Web Platform or to On-Demand subscriptions.

3.5. Web Platform Billing

The Web Platform supports:

Daily Auto: A daily auto-renewal subscription.
On-Demand: Per-session billing through the cash wallet.

Users playing through On-Demand cash-wallet billing may play back-to-back as many times as they wish within a 24-hour period, with each session billed separately.

3.6. Deposit Service Charges

The following service charges apply to deposits initiated through the Web Platform:

Payment Provider	Payment Method	Service Charge
Paystack	Transfer	1.5% of the deposit amount
Paystack	Card payment	1.5% of the deposit amount, plus ₦100
OnionPay	Transfer	1.5% of the deposit amount, with the service charge capped at ₦3,050

OnionPay does not offer a card payment option.

3.7. MTN Subscriptions Through Marketer Links

MTN users who access the Web Platform through a marketer's M-filter link will be automatically charged ₦100 from their airtime balance and registered for a daily auto-renewal subscription.

3.8. Cancelling Your Subscription

You may cancel your daily subscription at any time by:

Sending STOP to 20205; or
Dialling *305#.

4. Gameplay and Winning Mechanics

4.1. The “Fastest Finger” Rule

Knowledge and speed-based games, including Football Trivia Quiz and Religious Read & Win, award prizes using a Fastest Finger system.

Providing the correct answers does not guarantee a payout if the prize pool allocated to that session has already been claimed by a user who submitted the correct answers faster.

4.2. Daily Draws and Winnings Processing

For the question-and-answer games—Religious Read & Win and Football Trivia Quiz—official daily draws and the processing of accumulated cash winnings take place at midnight, 00:00 West Africa Time (WAT).

Winners will be notified, and their winnings will appear in their cash wallets after this time.

4.3. Instant Prizes for Spin Games

Cash and airtime winnings from the following spin games are paid instantly:

Wheel of Fortune
Daily Lotto

Prize-claim options and cash-wallet rules are set out in Section 5.

4.4. Daily Play Limits and Resubscription

Conventional 24-hour subscription packages ordinarily permit one play per day.

If you unsubscribe and then resubscribe, you will be allowed to play beyond the standard single daily attempt within that 24-hour period. This applies to both:

Games involving midnight draws.
Games offering instant prize payments.

On-Demand subscriptions allow multiple entries or plays per day, with each session billed separately.

4.5. Accumulated Gameplay on the Web Platform

On the Web Platform, Accumulated Gameplay is linked to Daily Auto renewal obtained through manual subscription.

Each time you are successfully debited for this Daily Auto subscription, your Accumulated Gameplay balance increases by one play.

If you do not use these plays, your balance continues to increase for as long as you remain subscribed and daily subscription debits continue.

Your Accumulated Gameplay balance may also increase through Free Plays earned from the following promotional offers:

Five-day continuous play.
Five paid plays in a single day.
The Referral Loop.

The requirements for these offers are set out in Section 6.

4.6. Daily Gameplay on USSD and SMS

Accumulated Gameplay is not available on USSD or SMS.

Users accessing PrimeLotto through these channels must use their daily auto-renewal play entitlement on the day they are charged.

The subscription is time-bound and permits one play within a 24-hour period, unless the user unsubscribes and resubscribes as described in Section 4.4.

4.7. Debit Priority for Multiple Daily Auto Subscriptions

If you have both:

A Daily Auto subscription obtained through a marketer's web link; and
A manually activated Daily Auto subscription,

the Daily Auto account linked to the marketer's web link (VAS Gameplay) will be debited first.

The manual subscription account (Accumulated Gameplay) will be debited once the VAS Gameplay account has been depleted.

4.8. Customised Marketers' Links

Users who access the web platform via a marketer's link which advertises a particular game are not restricted to playing that game alone with their (singular) daily auto gameplay , rather they are free to play any game of their choosing.

5. Cash Wallet, Verification and Withdrawals

5.1. Cash-Wallet Balances

Cash winnings are credited to your cash wallet. The wallet distinguishes between winnings and funds deposited for gameplay as follows:

Balance Type	Funds Recorded	Withdrawal Status
Available Balance	Cash winnings	May be withdrawn at any time, subject to the applicable KYC requirements below
Locked Balance	Funds deposited to play games	Cannot be withdrawn

5.2. Prize-Claim Options

Airtime Prizes

If you win an airtime prize, you may choose on the winning screen to:

Claim the airtime immediately; or
Save the cash equivalent in your cash wallet for withdrawal at a time of your choosing.

Cash Prizes

If you win a cash prize, you may choose on the winning screen to:

Claim the cash immediately; or
Save it in your cash wallet for withdrawal at a time of your choosing.

5.3. Verification Before Your First Withdrawal

You must complete a Know Your Customer (KYC) verification process before your first monetary withdrawal can be processed on the Web Platform.

5.4. Required Verification Details

You must provide your true and accurate:

First name.
Last name.
Gender.
Date of birth.

Failure to provide accurate information may result in the forfeiture of winnings and suspension of your account.

6. Gamification: Streaks, Free Plays, Referrals and Status Tiers

6.1. Web-Only Promotional Offers

The following promotional offers can only be initiated and claimed on the Web Platform:

Five-day continuous play.
Five paid plays in a single day.
The Referral Loop.

6.2. Five-Day Continuous Play Reward

Users who maintain a five-day continuous play streak earn one Free Play.

For daily streak tracking, a calendar day runs from 00:00 to 23:59 WAT. Missing a calendar day resets the daily streak counter to zero.

6.3. Five Paid Plays in a Single Day

Users who complete five Paid Plays in a single day earn one Free Play.

6.4. Referral Loop

To earn one Free Play through the Referral Loop, you must successfully refer five users.

A referral is valid only when the invited user:

Registers with PrimeLotto; and
Completes at least one successfully billed play.

Invited users who do not subscribe will not count towards your referral reward or tier progression.

6.5. Crediting Promotional Free Plays

Free Plays earned through any of the three promotional offers are credited to your Accumulated Gameplay balance on the Web Platform and can be used to play games.

6.6. Status Tiers

Users are ranked according to lifetime points earned from Paid Plays and referrals.

The status tiers are:

Seniorman
Chairman
Odogwu
Jagaban

These tiers are symbolic. PrimeLotto may rebalance the associated points at its discretion.

7. Amendments to These Terms

PrimeLotto reserves the right to amend, update or expand these Terms and Conditions at any time.

Your continued use of the service constitutes acceptance of the updated Terms and Conditions.

8. Subscription and Billing - Summary

Our service operates on both an on-demand and a daily auto-renewing subscription model.

The standard on-demand charge is ₦100 per play (per session).

The standard daily auto subscription charge is ₦100 per day, qualifying the user for a single play in a 24-hour period.

If a subscribed daily auto user wishes to play again after utilizing their daily entitlement, they can either top-up their cash wallet, which will enable them to play as many times as they like, or they can unsubscribe and resubscribe to enable a singular play.

By subscribing, the user authorizes PrimeLotto to deduct these charges as prescribed, until such a time that they opt out.

9. Winnings, Payouts and Regulatory Oversight - Summary

Winnings will be credited to your Prime Lotto wallet. Withdrawals are subject to verification and regulatory compliance limits. The National Lottery Regulatory Commission oversees all major draw claims.

10. Cancellation - Summary

You may cancel your daily subscription at any time by sending "STOP" via SMS to the respective shortcode or managing your subscription settings in your account portal. Unused daily credits are non-refundable.

Have questions about our Terms and Conditions?

Reach our customer support team for assistance with subscriptions, billing, and withdrawals.

Contact Support