Terms & Conditions & Privacy Policy

Welcome to TubaliDigital, a digital financial platform owned and operated by Tubali Technologies Limited ("Tubali", "we", "our", or "us").

These Terms and Conditions govern your access to and use of the TubaliDigital platform, including our website, mobile application, APIs, and all related products and services.

By creating an account, accessing, or using any Tubali service, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional product-specific terms that may apply.

If you do not agree with these Terms, you should not use the Tubali platform.

Tubali Technologies Limited is a Nigerian financial technology company committed to building ethical, inclusive, and technology-driven financial solutions for individuals, businesses, and communities.

Tubali develops digital platforms that enable users to access financial services through partnerships with licensed financial institutions and regulated service providers.

Unless expressly stated otherwise, Tubali does not operate as a bank, does not independently accept customer deposits, and does not provide regulated banking services except through duly authorized partners.

To use Tubali, you must:

• Be at least eighteen (18) years of age or meet the legal age requirement applicable to the service being used.
• Provide complete, accurate, and up-to-date information during registration.
• Successfully complete identity verification (KYC) where required.
• Have the legal capacity to enter into binding agreements.
• Comply with all applicable laws and regulations.

Tubali reserves the right to refuse, suspend, or terminate access where eligibility requirements are not met.

When opening a Tubali account, you agree to:

• Provide truthful and accurate information.
• Maintain the confidentiality of your login credentials.
• Use only one account unless expressly authorized.
• Notify Tubali immediately of any unauthorized access or suspected security breach.
• Keep your personal information updated at all times.

You are responsible for all activities carried out through your account.

To comply with regulatory obligations and protect users against fraud, Tubali or its licensed partners may request:

• National Identification Number (NIN)
• Bank Verification Number (BVN)
• Government-issued identification
• Selfie or biometric verification
• Proof of address
• Additional documentation where required

Failure to complete verification may result in restricted or unavailable services.

Subject to eligibility, availability, and regulatory requirements, Tubali may provide access to services including but not limited to:

• Digital Wallets
• Virtual Accounts
• Money Transfers
• Savings Solutions
• Merchant Services
• Airtime and Data Purchases
• Bill Payments
• Payment Collection Services
• Financial Education
• Ethical Financial Products
• Other digital financial solutions introduced from time to time

Certain services are provided through licensed financial institutions or authorized third-party service providers.

As a Tubali user, you agree to:

• Use the platform only for lawful purposes.
• Protect your account credentials.
• Keep your personal information current.
• Comply with all applicable laws.
• Report suspicious or unauthorized activities promptly.
• Cooperate with identity verification and compliance requests where necessary.

Tubali is committed to transparent pricing.

Applicable fees, service charges, or third-party processing fees will be disclosed before a transaction is completed.

By confirming a transaction, you agree to the applicable charges.

Protecting your information is one of our highest priorities.

Tubali employs industry-standard technical, administrative, and organizational security measures to safeguard user information and transactions.

Users are responsible for protecting their passwords, PINs, devices, and authentication credentials.

Tubali processes personal information in accordance with applicable Nigerian data protection laws and our Privacy Policy.

Your information may be shared only where necessary with:

• Licensed financial institution partners
• Regulatory authorities
• Payment processors
• Identity verification providers
• Service providers assisting in delivering our services

Such disclosures will only occur where legally permitted or required.

The Tubali name, trademarks, logos, software, content, graphics, and technology are the exclusive property of Tubali Technologies Limited unless otherwise stated.

No part of the platform may be copied, reproduced, modified, distributed, or used without prior written permission.

Users must not:

• Engage in fraud or financial crime.
• Use the platform for money laundering or terrorist financing.
• Attempt unauthorized access to the platform.
• Upload malicious software.
• Impersonate another individual or organization.
• Abuse or harass other users.
• Use Tubali for unlawful or prohibited activities.

Tubali reserves the right to investigate suspected violations and suspend or terminate affected accounts.

Tubali may suspend, restrict, or terminate access where:

• These Terms are violated.
• Fraud or suspicious activity is detected.
• Regulatory obligations require such action.
• False information is provided.
• Continued use presents a security or compliance risk.

Where permitted by law, Tubali may notify affected users before taking action.

To the fullest extent permitted by law, Tubali shall not be liable for losses arising from:

• User negligence or misuse of the platform.
• Incorrect information supplied by users.
• Internet or telecommunications failures.
• Third-party service interruptions.
• Regulatory actions.
• Events beyond Tubali's reasonable control (force majeure).

Nothing in these Terms excludes liability that cannot legally be excluded.

Tubali may update these Terms periodically to reflect changes in our services, legal requirements, or business operations.

Updated Terms will be published on our website or mobile application.

Continued use of Tubali after such updates constitutes acceptance of the revised Terms.

These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.

Where disputes arise, both parties agree to first seek an amicable resolution through good-faith negotiations.

If unresolved, disputes may be referred to mediation or resolved by a court of competent jurisdiction in Nigeria.