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These Consumer Terms of Use govern your access to and use of Wahya's mobile applications, websites, support channels, and related services made available by Wahya Core Technologies Limited, together with any policies, notices, or product-specific terms incorporated by reference.
By creating an account, accessing the platform, or using any Wahya service, you agree to be bound by these Terms. If you do not agree, you should not use Wahya.
Wahya provides a technology platform that helps users access payment, transfer, installment-enabled purchase, group savings or ajo, merchant, and related financial coordination services. Some services available through Wahya may depend on licensed partners, payment processors, banks, or other regulated financial institutions. Wahya does not represent in these Terms that it independently performs every regulated financial function involved in a transaction flow.
You may use Wahya only if:
• you are at least 18 years old;
• you have legal capacity to enter into a binding agreement;
• you provide accurate, current, and complete information; and
• your use of Wahya is not prohibited by applicable law or by any restriction imposed by Wahya or its partners.
Wahya may refuse, suspend, or terminate access where eligibility cannot be verified or where continued access would create legal, fraud, compliance, or operational risk.
You are responsible for ensuring that all information you provide during registration, onboarding, verification, support interactions, and ongoing use of Wahya is accurate and up to date.
Wahya may request identity, contact, device, transaction, selfie, document, address, business, or other verification information where needed for onboarding, fraud prevention, compliance, support, or partner requirements. Failure to provide requested information may limit or prevent access to some services.
You are responsible for maintaining the confidentiality and security of your credentials, devices, one-time passcodes, and other access methods used with your Wahya account.
You must notify Wahya immediately if you suspect unauthorized access, credential compromise, device loss, impersonation, or suspicious activity. Wahya may treat activity performed through your account as authorized until you report a compromise and Wahya has had a reasonable opportunity to respond.
Wahya may make available one or more of the following categories of services:
• peer-to-peer transfers;
• wallet-like or balance-linked user experiences;
• installment-enabled purchase flows;
• group savings, ajo, or contribution coordination;
• merchant checkout or payment acceptance experiences;
• referral, rewards, or promotional programs; and
• support, notifications, and account-management tools.
Not all services are available to all users at all times. Availability may depend on your verification level, account history, partner support, geography, device, transaction type, risk profile, or operational conditions.
You authorize Wahya to process your instructions and related account actions in accordance with these Terms, applicable product flows, and any partner or processor requirements that apply to the relevant service.
Wahya may delay, reject, reverse, block, cancel, or place under review any transaction, instruction, payout, contribution, installment action, or account event where Wahya reasonably believes that:
• the instruction is incomplete, inaccurate, or unauthorized;
• fraud, impersonation, abuse, or suspicious activity may be involved;
• a legal, sanctions, AML, partner, or regulatory issue may arise;
• a technical or operational error has occurred;
• a dispute, chargeback, reversal, or complaint affects the transaction; or
• continued processing would expose Wahya, its users, merchants, or partners to risk.
Wahya is not liable for losses caused by delays or restrictions that are reasonably applied for fraud prevention, compliance, legal obligations, partner requirements, or operational integrity.
If you accept an installment-enabled purchase plan, repayment schedule, contribution commitment, or similar financial obligation through Wahya, you agree to honor that commitment according to the disclosed terms of the relevant product flow.
Missed, reversed, disputed, or failed payments may result in restrictions, reminders, collection-related follow-up, partner escalation, suspension of access to some services, or other lawful remedial action.
Wahya may provide tools that help users coordinate group savings, ajo participation, or shared financial activity. Wahya provides the platform experience for coordination and record visibility but does not guarantee the conduct, honesty, or performance of every participant.
You are responsible for reviewing group rules, contribution expectations, payout logic, and participant information before joining or continuing in a group-based activity. Wahya may intervene, restrict, or investigate where fraud, abuse, impersonation, or serious disputes are suspected.
Some Wahya services may involve fees, partner charges, processing costs, penalties, or other disclosed amounts. Wahya will seek to present applicable charges before or during the relevant flow where reasonably possible.
You acknowledge that some charges may depend on partner institutions, processors, banks, or transaction types and may change where required by law, partner rules, or product updates.
Wahya may offer referral, rewards, cashback, or promotional programs from time to time. These programs are subject to separate rules, eligibility conditions, anti-abuse controls, and change or withdrawal at Wahya's discretion.
You must not manipulate, game, duplicate, or abuse any referral or rewards program. Wahya may withhold, reverse, cancel, or forfeit benefits and may suspend or terminate accounts where it reasonably believes that fraud, collusion, multiple-account abuse, false activity, or other manipulation has occurred.
You must not use Wahya to:
• violate any law or regulation;
• impersonate another person or misrepresent your identity or authority;
• submit false, forged, misleading, or stolen information or documents;
• engage in fraud, money laundering, terrorist financing, sanctions evasion, or other unlawful activity;
• exploit bugs, security weaknesses, or platform controls;
• interfere with the service, other users, merchants, or partners;
• use Wahya for deceptive, abusive, harmful, or unauthorized commercial activity; or
• engage in any conduct that creates legal, reputational, technical, or operational risk for Wahya or its partners.
Wahya processes personal data in accordance with its Privacy Policy, which forms part of these Terms. By using Wahya, you acknowledge that Wahya may collect, use, store, disclose, and retain information for onboarding, service delivery, fraud prevention, support, analytics, legal compliance, and partner-related processing.
Where required for service delivery or compliance, Wahya may share information with licensed partners, processors, banks, infrastructure providers, identity-verification vendors, communications providers, analytics providers, professional advisers, or competent authorities.
If you have a complaint, you should first contact Wahya through the support channels made available in the app, website, or official communications. Wahya may request additional information, documents, screenshots, transaction details, or identity confirmation in order to investigate.
Wahya may route some complaints to merchants, processors, banks, or other partners where the issue depends on their role in the transaction or service flow. You agree to cooperate reasonably with any investigation.
Wahya is not required to resolve disputes in your favor where the available evidence does not support your claim, where a partner or regulated institution has final authority over a specific processing outcome, or where the dispute concerns conduct outside Wahya's reasonable control.
Wahya may suspend, restrict, freeze, review, or terminate your access to some or all services immediately where Wahya reasonably believes that:
• you have breached these Terms;
• your account presents fraud, AML, sanctions, legal, or security risk;
• your information cannot be verified;
• a partner, processor, bank, regulator, or competent authority requires action; or
• continued access would threaten users, merchants, Wahya, or the integrity of the platform.
Termination or suspension does not remove obligations that arose before the restriction, including repayment commitments, dispute cooperation, fraud investigations, or lawful record retention.
Wahya and its licensors retain all rights, title, and interest in the platform, software, branding, content, interfaces, and related intellectual property. You receive only a limited, revocable, non-exclusive, non-transferable right to use Wahya for its intended purposes in accordance with these Terms.
Wahya provides the platform on an "as available" and "as applicable" basis. To the maximum extent permitted by law, Wahya does not guarantee uninterrupted availability, error-free operation, guaranteed transaction completion, guaranteed merchant performance, guaranteed group-participant conduct, or guaranteed eligibility for any service.
Wahya does not provide investment, brokerage, or wealth-management services under these Terms, and nothing in these Terms should be interpreted as a promise of returns or financial appreciation.
To the maximum extent permitted by law, Wahya will not be liable for indirect, incidental, special, punitive, or consequential losses, including loss of profit, goodwill, opportunity, or data, arising from or related to your use of the platform.
Wahya's liability for a direct claim arising from a specific service event will be limited to the amount of fees actually paid by you to Wahya for the affected service event, except where a higher limit is required by applicable law.
Nothing in these Terms excludes liability that cannot lawfully be excluded.
You agree to indemnify and hold Wahya, its affiliates, officers, employees, contractors, and partners harmless from claims, losses, liabilities, costs, and expenses arising from your breach of these Terms, your misuse of the platform, your unlawful conduct, your fraud, or your violation of another person's rights.
Wahya may update these Terms, product rules, eligibility conditions, or service features from time to time to reflect legal, regulatory, operational, partner, or product changes. Updated Terms will become effective when published or otherwise communicated, unless a later date is stated.
Your continued use of Wahya after the effective date of an update constitutes acceptance of the revised Terms.
These Terms are governed by the laws of the Federal Republic of Nigeria, except where another mandatory law applies.
Before formal proceedings are started, the parties should first attempt good-faith resolution through Wahya's support and escalation process. Nothing in this section prevents Wahya from taking urgent action to protect the platform, preserve evidence, comply with law, or respond to fraud or security threats.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will continue in full force to the maximum extent permitted by law.
Any provisions that by their nature should survive termination or suspension, including those relating to liability limits, indemnity, investigations, record retention, and dispute handling, will survive.
Wahya Core Technologies Limited 15 Badagry Street Garki Email: support@wahya.com.ng
This draft assumes Wahya operates through licensed partners or processors for some regulated payment functions. Nigerian counsel should review the licensing-boundary language, liability structure, dispute wording, and any product-specific clauses before publication.
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