Terms & Conditions

Casha Technologies Limited

Customer Agreement & Terms

1. Our Agreement With You

These Terms & Conditions ("Terms") form a legally binding agreement between you ("Customer") and Casha Technologies Limited ("Casha Tech", "Casha", "we", "our" or "us") governing your use of the Casha website, mobile application and digital platform.

Casha Tech is a company duly registered in Nigeria and provides the technology, customer interface and distribution platform through which customers may access financial and other digital services.

Some financial and regulated services available through Casha may be provided by duly licensed and regulated third-party Service Partners. Additional terms may apply to those services.

By accessing, registering for or using Casha, or by selecting "Accept", "Create Account" or "Continue", you agree to these Terms and enter into this Agreement with Casha Tech.

2. Using Casha

You must generally be at least 18 years old, provide accurate information and complete applicable onboarding and KYC requirements.

Your journey is: Register → Accept Terms → Complete KYC → Account/Wallet Creation → Access Available Services.

3. Our Services

Depending on your eligibility, location and product availability, Casha may provide access to a range of digital financial products and services, including account and wallet services, payments, transfers, cards, cross-border payments, investments, insurance and other embedded financial services. Casha may introduce additional products and services from time to time. Specific products and services may be subject to separate terms, fees, limits, eligibility requirements and regulatory conditions.

4. Service Partners

Where a service requires regulatory authorizations, it may be provided by an appropriately licensed Service Partner.

The relevant Service Partner may be responsible for the underlying regulated service, including account or wallet management, transaction processing, card issuance, KYC and transaction monitoring.

5. Your Responsibilities

You agree to provide accurate information, protect your account credentials, review transactions before confirming them and use Casha only for lawful purposes.

Never share your PIN, password or OTP with anyone.

6. KYC and Security

We and our Service Partners may conduct KYC, identity verification, sanctions screening, fraud checks and transaction monitoring.

Transactions or accounts may be restricted, delayed, declined or suspended where required for security, fraud prevention, regulatory compliance or by law.

7. Prohibited Activities

You must not use Casha or any of our services for illegal activities, money laundering, fraud, terrorism financing, sanctions evasion or any purpose that violates applicable laws or these Terms.

We may restrict, suspend or terminate accounts or transactions where we identify suspected prohibited or unlawful activity and may report suspicious activity to relevant authorities where required or permitted by law.

8. Fees

Applicable fees, limits and exchange rates will be displayed on the Casha platform or in relevant product terms.

9. Personal Data

We collect and process your personal, financial, device and transaction information to provide our services, conduct KYC and identity verification, prevent fraud, improve our platform and comply with applicable legal and regulatory requirements.

We process your personal data in accordance with the Nigeria Data Protection Act 2023 (NDPA) and other applicable data-protection laws, regulations and guidelines.

Your information may be shared with Service Partners, payment processors, identity verification providers, technology providers, regulators and other third parties where lawful and necessary to provide our services, protect our customers, prevent fraud or comply with legal and regulatory obligations.

Our Privacy Notice explains how we collect, use, store, share and protect your personal data and forms part of this Agreement.

10. Suspension and Termination

We may restrict or terminate access where these Terms are breached or where necessary for legal, regulatory, security or risk-management reasons.

11. Changes

We may update these Terms from time to time. Where appropriate, material changes will be communicated through the Casha platform, website, email or other appropriate channels.

12. Complaints

For support or complaints, please contact us through the channels provided on the Casha platform or website.

13. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Customer Agreement

By using Casha or selecting "Accept", "Create Account" or "Continue", you confirm that you have read, understood and agree to these Terms, our Privacy Notice and any applicable product-specific terms.

Contact

Casha Technologies Limited

○ Email: hello@joincasha.com

○ Telephone: 02012299755