These terms explain the responsibilities attached to your account, payments, group activity, and continued use of Wahya services.
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By accessing or using the Wahya app and related services, you agree to these Terms of Service and any policies or notices that are incorporated by reference into them.
You must be at least 18 years old and capable of entering a binding arrangement. You are responsible for ensuring that the information you provide is accurate, current, and complete throughout your use of Wahya services.
You are responsible for maintaining the confidentiality of your credentials, devices, and access methods used to reach Wahya accounts and services.
Activity performed through your account may be treated as authorized unless and until you notify Wahya of suspected compromise, unauthorized use, or other account-security issues requiring investigation.
When you accept a payment plan, installment schedule, contribution commitment, or other financial obligation available through Wahya, you are expected to honor that commitment in accordance with the disclosed terms of the transaction or product flow.
Transactions may depend on sufficient funds, merchant or partner participation, disclosed fees, verification checks, or operational controls. Wahya may delay, reverse, block, or investigate transactions where misuse, fraud, error, or legal risk is suspected.
You may not use Wahya in a way that violates law, infringes rights, misrepresents identity, disrupts platform integrity, interferes with other users, or attempts to bypass security, eligibility, or transaction safeguards.
Wahya may investigate or restrict behavior that appears deceptive, abusive, fraudulent, technically harmful, or otherwise inconsistent with the safe and reliable operation of the service.
Wahya may update, suspend, or change features, services, or eligibility rules over time. While we work to keep the platform available and reliable, uninterrupted access cannot be guaranteed in all circumstances.
To the extent permitted by law, Wahya limits liability for indirect or consequential loss and may require disputes to move through support review, informal resolution, mediation, or another dispute process. These terms are governed by applicable Nigerian law unless another rule is required by law.
Wahya may suspend, restrict, or terminate access where we reasonably believe there has been a breach of these terms, fraud risk, illegal activity, misuse of the platform, or another material operational or regulatory concern.
If any provision of these terms is held to be invalid or unenforceable, the remaining provisions will continue in force to the fullest extent permitted by law.
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