By registering for, accessing, or using Kudiwave, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

To use Kudiwave, you must create an account. You agree to provide accurate and complete information and to keep this information up to date. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

Kudiwave allows users to send and receive money, request money, and use Virtual Dollar Cards. All transactions are subject to our fees and limits, which are detailed in the app.

To access certain features, you must complete the Know Your Customer (KYC) process. This involves providing personal information and documentation to verify your identity.

You agree not to use Kudiwave for any unlawful activities, including money laundering, fraud, or any activities prohibited by Nigerian law.

We reserve the right to suspend or terminate your account if you violate these Terms or engage in any fraudulent or illegal activity.

Kudiwave is provided "as is" without any warranties. We are not liable for any direct, indirect, incidental, or consequential damages arising from your use of the service.

These Terms are governed by the laws of Nigeria. Any disputes arising from these Terms will be subject to the exclusive jurisdiction of the Nigerian courts.

We may update these Terms from time to time. We will notify you of any changes by posting the new Terms on our website or through the app.