The ground rules.

Who we are

didii is a product of DIDII AI TECHNOLOGY LIMITED ("didii", "we", "us"), RC No. 9482812 — a company incorporated in Nigeria with its registered office in Abuja, Federal Capital Territory. didii provides a conversational money assistant that lets you send money, pay bills, and manage your finances through voice, text, and photo.

Your Didii wallet is operated through our banking partner, Anchor Technologies, which is licensed and regulated by the Central Bank of Nigeria (CBN). Funds held in your Didii wallet sit in a partner-bank account that is itself NDIC-insured up to the statutory maximum per depositor under the NDIC Act 2023. For the avoidance of doubt: NDIC cover here protects the underlying deposit on the partner-bank side — it doesn't insure didii's operational service.

Using Didii

By using the Didii website, joining the waitlist, or using the Didii app, you agree to these terms. If you disagree with any part, don't use the service — no hard feelings.

You must be at least 18 years old and a resident of Nigeria to open a Didii wallet.

Your account

When you create a Didii account:

• You'll verify your identity using your BVN as required by CBN regulations
• You're responsible for keeping your login credentials and transaction PIN secure
• You must not share your account with anyone else
• You agree to provide accurate information — we rely on it to serve you correctly

If you suspect unauthorized access to your account, contact us immediately at hi@didiiai.com.

Payments and wallets

Your Didii wallet is a CBN-regulated electronic wallet held with our banking partner. Here's how it works:

• Funding: You can fund your wallet via bank transfer or card
• Transactions: All transfers are processed through NIP (Nigeria Inter-Bank Settlement System) and are subject to standard processing times
• Limits: Transaction limits are set in accordance with CBN guidelines for your account tier
• Authorization: Your money never moves without your explicit confirmation — every transaction requires your PIN or biometric approval
• Fees: We'll always show you any applicable fees before you confirm a transaction. No hidden charges.

Anti-money laundering and counter-terrorism financing

Nigerian law requires us to know who you are and how you move money. We follow the Customer Due Diligence framework set by the CBN and operate within the obligations of the Money Laundering (Prevention and Prohibition) Act 2022.

In practice, this means we:

• Verify your identity using your BVN and other documents at sign-up, and may ask for additional verification as your activity grows or changes
• Apply CBN's three-tier KYC framework — your transaction and balance limits depend on the verification tier you've completed
• Monitor transactions for patterns we're required to flag (unusual velocity, structuring, sanctions exposure, mismatched counterparties)
• Report suspicious activity to the Nigerian Financial Intelligence Unit (NFIU) and other authorities as the law requires, without notice to you
• May hold, reverse, or freeze a transaction while we investigate, and may terminate accounts that we cannot satisfy due diligence on

These steps are not optional and we can't waive them for any individual customer. If we ever hold or reverse a transaction, we'll tell you as much as the law allows.

What you can't do

Keep it straightforward — don't use Didii for:

• Fraud, money laundering, or financing illegal activities
• Impersonating someone else
• Attempting to reverse-engineer, hack, or disrupt the service
• Violating any applicable Nigerian law or regulation
• Using automated systems (bots, scrapers) to access Didii without permission

We may suspend or close accounts that violate these rules, and we're required to report suspicious activity to the relevant authorities.

The AI assistant

Didii uses artificial intelligence to understand your requests and execute transactions. A few things to know:

• Didii will always ask you to confirm before moving money — it won't act on ambiguous instructions
• Didii is not a financial advisor. It processes your instructions; it doesn't make investment decisions for you
• AI isn't perfect. If Didii misunderstands a request, you can always correct it before confirming

What the AI sees and doesn't see. Sensitive identifiers — your BVN, PIN, full card numbers, full bank account numbers — are stripped from your messages before our AI processes them. The AI never sees these values in clear text. Your conversations are not used to train the AI model unless you give us specific consent. We may use anonymised, aggregated logs for product improvement, but these never include identifiers that can be tied back to you.

Automated decisions. Some of our safety systems (like fraud scoring on transactions) use automated processing. Under Section 38 of the Nigeria Data Protection Act 2023, where such a decision has a legal or similarly significant effect on you, you have the right to request human review, contest the decision, and receive a plain-language explanation. Email privacy@didiiai.com within 14 days of the decision.

Closing your account

You can close your Didii wallet at any time — either through the in-app close-out flow or by emailing us at hi@didiiai.com. We'll process the closure within 5 business days, sweep your remaining balance to a bank account you nominate, and confirm closure by email.

After closure, we may retain certain data — transaction records, KYC documents, AML-related logs — for the period required by CBN regulations and the Money Laundering (Prevention and Prohibition) Act 2022 (currently 6 years from your last transaction or account interaction).

Service availability

We aim for 99.9% uptime, but we can't guarantee it. Sometimes things break — server maintenance, network outages, third-party downtime. We'll do our best to minimise disruptions and communicate clearly when they happen.

Things outside our control (force majeure)

We're not responsible for delays or failures caused by events outside our reasonable control. These include:

• Outages or instructions from the CBN, NIBSS, or any other Nigerian regulator
• Partner-bank suspensions, restrictions, or operational failures
• Telecommunications outages, internet failures, or NEPA/grid failures
• Cyberattacks not caused by our negligence
• Strikes, riots, pandemics, natural disasters, or acts of God
• Court orders, government directives, or sanctions

Where an event of force majeure prevents us from performing, our obligations are suspended for the duration. We'll do what we reasonably can to minimise impact and resume service as soon as practicable.

Limitation of liability

Didii is provided "as is." To the maximum extent permitted by Nigerian law:

• We're not liable for indirect, incidental, or consequential damages
• Our total liability is limited to the amount in your Didii wallet at the time of the incident
• We're not responsible for losses caused by your failure to secure your credentials

This limitation does not apply to our gross negligence, willful misconduct, fraud, or any liability that cannot be limited under Nigerian law — including your statutory rights under the Federal Competition and Consumer Protection Act 2018 (FCCPA).

How we resolve disputes

If you have a problem with Didii, we want to fix it. Walk the ladder with us:

1. Reach us directly. Email hi@didiiai.com. We commit to acknowledging within 2 business days and responding substantively within 14 days, in line with CBN's Consumer Protection Framework 2016.
2. Escalate to the regulator. If you're not satisfied, you can take the matter to the CBN Consumer Protection Department for banking-related issues or to the Federal Competition and Consumer Protection Commission (FCCPC) for consumer-protection issues.
3. Court. If the regulator route doesn't resolve things, you can pursue the matter in court (see "Governing law" below).

You can also lodge data-protection complaints with the Nigeria Data Protection Commission (NDPC) at ndpc.gov.ng at any time — this right is separate from the ladder above.

Changes to these terms

We may update these terms from time to time. If we make significant changes, we'll notify you by email at least 14 days before they take effect. Continued use after that constitutes acceptance.

If you disagree with updated terms, you can close your account and withdraw your funds at any time.

Governing law

These terms are governed by the laws of the Federal Republic of Nigeria. Any disputes will be resolved in the competent courts of the Federal Capital Territory, Abuja, Nigeria.

The whole agreement

These terms and our Privacy Policy form the entire agreement between you and Didii about your use of the service. They replace any earlier agreements, promises, or representations on the same subject, except for written commitments we expressly include by reference. Marketing copy, blog posts, and chat messages from us are not contractual unless they're integrated here.

Severability

If a court holds any provision of these terms invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it valid, and the rest of the terms remain in full force.

Assignment

You may not assign or transfer your rights or obligations under these terms — your Didii account is personal to you. We may assign or transfer our rights and obligations to a successor, affiliate, or acquirer of our business, on notice to you. If the transfer materially changes your rights, you'll be able to close your account and withdraw funds without penalty.

Survival

Clauses that by their nature should survive termination — including the limitation of liability, intellectual property, data retention obligations, AML/CFT records, and dispute resolution — will continue after your account closes.

Electronic signatures and records

You agree that your acceptance of these terms (by ticking a box, clicking a button, or continuing to use the service) is an electronic signature with the same legal effect as a written signature under Section 84 of the Evidence Act 2011 and Section 17 of the Cybercrimes Act 2015. Our records of your acceptance and transactions are admissible evidence in any proceeding.

Notices

Formal legal notices to didii should be sent by email to legal@didiiai.com and copied to the registered office (DIDII AI TECHNOLOGY LIMITED, Abuja, Federal Capital Territory). We'll send notices to you at the email address linked to your account — keep it current.

Contact

Questions about these terms? We're here.

Email: hi@didiiai.com

Last updated: May 11, 2026