Consumer Code Of Practice


Cloud Interactive Associates is a Value-Added Services (VAS) provider licensed by the Nigerian Communications Commission (NCC) to offer value added services to the telecommunications industry.

We enable our subscribers (through the mobile operators) to access a wide range of additional services such as SMS Infotainment and Entertainment Content.

1.1 Purpose of the Code:

1.1.1 Nigerian Communications Commission (NCC) has advised all licensed telecommunications - service providers in Nigeria to provide a Consumer Code of Practice. This Code of Practice:

(a) Describes the main services we provide to our customers

(b) Explains how to contact us about these services and how you can subscribe to our services.

(c) Explains the customer’s rights and obligations

(d) Describes what to do if you have a complaint, how we will resolve it, and what you can do if you are not satisfied with our response.

1.2 Application of the Code:
This Code applies to the provision of Value Added Services to the telecommunications industry based on VAS license obtained by CLOUD INTERACTIVE ASSOCIATES LIMITED from the NCC.

It has been developed by CLOUD INTERACTIVE ASSOCIATES LIMITED in line with the established and published NCC’s General Code of Practice.

1.3 Code Administration: The Code will be administered by CLOUD INTERACTIVE ASSOCIATES LIMITED in line with guidelines from NCC as well as reviews that are to be agreed and communicated by the Commission based on feedbacks at Consumer Forums that may be set-up by NCC from time to time.

1.4 Code Amendment:
CLOUD INTERACTIVE ASSOCIATES LIMITED may amend this Consumer Code from time to time to conform to set guidelines that may be required by Law or by the NCC.


2.1 General:

Separate minimum periods will apply to the service we supply to you and to other users depending on the pricing option and service you choose. The minimum service duration or period of service for some of our services is a daily request while the maximum period of service for our services is 30 days (renewable on expiry). For our SMS services, the service will begin on the day you purchase the service via SMS as activation is done almost immediately. Please note that CLOUD’s INTERACTIVE ASSOCIATES LIMITED services are available in all parts of Nigeria. However, our services are network dependent and certain services may not be available on all networks.

2.2 Service Contracts & Duration:

Prior to requesting the service, every subscriber will be expected to read our terms and conditions which details full terms under which we provide products and services to our customers. It governs the contractual relationship between us and if any discrepancy exists between the Service Contract and Consumer Code of Practice, the Service Contract shall take precedence.

2.3 General Description of Services:

We have a lot of services ranging from SMS Infotainment Content such as News, Sports, Islamic services, callshine and a host of other services as our service catalogue expands almost Monthly. 2.4 Contract Terms & Information:

A sample of our contract terms and related information can be made available upon request.


3.1 Advertising Practitioners Council of Nigeria (APCON): All marketing materials shall be prepared in line with the standard adverting codes from APCON as well as the Consumer Affairs departments of NCC.

(a) Specification of the marketing messages/posters The marketing messages/posters must contain the following:

1. Service name

2. Service cost

3. Opt-out information (b) DND/DNC and blacklist list:
DND: Do Not Disturb- it means NEVER send bulk/ marketing messages to these customers.
If they are however on any of your service, you can leave them there, but do not send bulk messages to them even about the service.
Once they opt out, they are not to be sent any form of marketing or re-subscription reminders.
DNC: Do Not Charge- it means MSISDNS in this list must never be charged (as they are mostly POS, data only SIMS etc.) If however, they subscribe and you start charging them, and the operator or NCC finds out due to escalations or routine audit checks, you must be able to provide clear evidence that the number sent you a subscription request.

Blacklist: don't bulk, don't charge, and don’t subscribe MSISDNS in this category ever! They should be blocked from being able to subscribe to any of your services.


All services are paid for via credit available on the subscribers phone. Once service is requested for, the money is deducted from the balance of the customer’s account. Unless otherwise promoted or advertised, we will normally bill you upfront (in advance) for any charges for the duration of the service.


5.1 Acceptance of License Terms:
Consumers shall be bound by CLOUD’s INTERACTIVE ASSOCIATES LIMITED terms of service once service is requested for. By activating the service on commencement date, you are deemed to have accepted our service terms.

5.2 Misuse of Service:
Consumers shall not misuse our services, including but not limited to: dishonestly obtaining services; or using services to send messages that are obscene, threatening or otherwise contrary to applicable laws or regulation.


We know that privacy is very important to our customers and we want you to feel confident about the privacy and security of your personal information. We take reasonable care to prevent any unauthorized access to your personal information. CLOUD INTERACTIVE ASSOCIATES LIMITED recognizes the importance of your privacy. We use personal information that we collect from customers in accordance with strict procedures and laws of the Federal Republic of Nigeria. We have set out below some important information about the personal information we may hold aboutyou, and how we use it. Full details of our Privacy Policy can be made available by writing to us at: CLOUD INTERACTIVE ASSOCIATES LIMITED, 39 CHIEF COLLINS STREET, OFF FOLA OSIBO, LEKKI PHASE 1, LAGOS.

6.1 General Principles

When ordering for certain services, we may ask you for information such as name, address, contact phone numbers and email address. We may also ask you other relevant information about the service you are using or ordering.

6.2 How we Use your Personal Information:

We use information about you in the following way:

1. Process of orders you place with us.

2. Charge for services we provide

3. Publish your details in our highly secure directory, provide directory enquiry service or information to the regulator, NCC and other authorized government agencies.

4. Communicate with you about how to use the service and let you know about any changes to the service.

5. Market our own products and services. We need your permission to use your information for this purpose. We will assume we have your permission unless you tell us otherwise by writing to us at: CLOUD INTERACTIVE ASSOCIATES LIMITED, 39 CHIEF COLLINS STREET, OFF FOLA OSIBO, LEKKI PHASE 1, LAGOS.

6. Carry our market research and analysis on our current products and services and future developments. We will make sure that you cannot be identified. We may give information in this form to certain other people or organizations.

7. Prevent and detect criminal activity, fraud, misuse of or damage to our network and prosecute and sue those responsible.

We may provide information (in response to requests from authorized law enforcement agencies) to prevent and detect crime and prosecute offenders. We may also provide information to protect national security. In all cases, we will do so in line with the laws of Federal Republic of Nigeria.

6.3 How long we keep personal information:
How long we keep personal information depends on how we use that information. In some cases, by law we must keep information for a minimum period. Unless specific legal requirements say otherwise, we will keep information no longer than is necessary for the purpose we collected or processed the information.

6.4 Changes to our Privacy Policy:
We may make changes to our Privacy Policy from time to time. Your continuing use of any of our services indicates your agreement to the use of your personal information as set out in this Privacy Policy.

6.5 Maintaining Data Quality:
We take due care in ensuring that personal information provided by you are retained and processed in a manner that ensures that this information is accurate, relevant and current for the purpose for which it is to be used for.


7.1 Information to Consumers:
If you are unhappy with our service please contact us and let us know. It is through your feedback that we are able to review and improve the overall service we provide. f you have a complaint our formal internal complaints procedure is outlined below.
We are fully committed to addressing all complaints, fully and fairly, and in a reasonable time frame. We do try and resolve complaints by telephone, however, should you wish to receive a response in writing then please let us know and we will duly send you a written resolution to your complaint.

7.2 Fault Process:

CLOUD INTERACTIVE ASSOCIATES LIMITED operates a customer service desk which is reachable anytime via e-mail. All CLOUD INTERACTIVE ASSCOCIATES LIMITED subscribers can contact the help desk via email: When you contact our support desk please make sure that you provide the service you are subscribed to, your mobile number, your username (if any) and summary of the complaint. This will enable us process and resolve your complaints quickly.
7.3 Resolution Time:

We aim to deal with problems as quickly as possible and so our help desk assistance will try to resolve the problem as soon as possible. If this is not possible, they will inform you of a cause of action.
7.4 Escalation:

If you need to escalate a complaint about the way we have handled any aspect of your account or the way you have been treated when contacting the technical support or Customer Service desks you may escalate by writing detailing the nature of the complaint to:Business Development – Client Relations: : CLOUD INTERACTIVE ASSOCIATES LIMITED, 39 CHIEF COLLINS STREET, OFF FOLA OSIBO, LEKKI PHASE 1, LAGOS

7.5 Contacting You:
When we need to contact you, we will use your e-mail address, mobile or fixed phone number. We will contact you to advice on the outcome of an investigation to any complaint which our help desk agents were unable to resolve during the initial telephone call.

7.6. Charges:
Complaint handling processes shall be provided free of charge. We always keep a 1 year and more backed up Logs for all transactions made to or from any customer.

7.7 Action on disputed charges:
When there is an unresolved complaint or billing dispute, the consumer shall be obliged to make payment of any outstanding amounts other than the amount that is specifically in dispute. We shall not impose any additional charges in form of credit management or interest while the dispute is being resolved.
Changes to complain Handling Process We shall from time to time and as may be required by NCC review our complaint handling process. Revised and updated information will be posted to our website:


8.1 Licenses (CLOUD INTERACTIVE ASSOCIATES) Responsibility:
CLOUD INTERACTIVE ASSOCIATES LIMITED takes its responsibility to the code compliance very seriously and recognizes the importance of developing and maintaining a good Code that is approved by the commission. The company is committed to an ongoing process of improvement in its operational performance, seeking not only to comply with legal or mandatory but also proactively educate her employees regarding the code compliance and providing the required information to the Commission as at when needed.

8.2 Compliance Monitoring and Reporting by the Commission:
CLOUD INTERACTIVE ASSOCIATES is in full support and agrees to work with the Commission as well as customers to ensure that the service it delivers in terms of quality and customer support continues to meet and even exceed developed standards and codes of conduct.

8.3 Consumer Complaints:
All complaints by consumers will first be lodged and dealt with by CLOUD INTERACTIVE ASSOCIATES LIMITED in accordance with Clause 7 of this Code. Where a Consumer lodges a complaint with the Commission and does not initially contact us, the Commission will forward the complaint to CLOUD INTERACTIVE ASSOCIATES LIMITED for resolution in accordance with our complaint handling process detailed in this Code.

8.4 Industry Complaints:
Industry complaints are those made by one License against another for an alleged breach of a consumer code. Industry complaints will also include complaints by a group representing consumer interests against a License.
All Industry complaints will be lodged directly with the Commission.
Where an Industry complaint is lodged with a License, without evidence that the complaint has been lodged with the Commission as well, the Licensee shall forward a copy of the complaint to the Commission without delay, and will notify the complainant duly.

8.5 Commission Investigation:
The Nigerian Communications Commission (NCC) is empowered by law and is fully responsible for ensuring compliance as well as investigation into complaints or breach of code by either CLOUD INTERACTIVE ASSOCIATES, her customers or between CLOUD INTERACTIVE ASSOCIATES and other providers.

8.6 Appeals Process:
Where there is a dispute between us that cannot be resolved within 60 days from the first date of lodging the complaint with us, you have the right to refer the matter to the Head, Consumer Affairs department of the Nigerian Communications Commission.

8.7 Confidentiality
We will treat any information concerning any complaint or compliance in confidence and will not disclose it to anyone except or in accordance with any instructions you have given us. However, there are circumstances in which we may be required by law to disclose information. Such requests normally come from Statutory Authorities, for example, Police Forces, EFCC and Excise etc. Any such disclosure will be strictly controlled and will be made fully in accordance with the laws of the Federal Republic of Nigeria.