Terms and Conditions
Last updated: September 2026. This is a general template and should be reviewed by a qualified lawyer before being relied on as your official Terms of Service.
1. Who we are
XandaApp ("XandaApp", "we", "us", "our") is a digital wallet and payments platform operated in Nigeria. These Terms and Conditions ("Terms") govern your access to and use of the XandaApp website, mobile application, and related services (together, the "Service"). By creating an account or using the Service, you agree to be bound by these Terms.
2. Eligibility and your account
You must be at least 18 years old and able to form a legally binding contract to use XandaApp. You agree to provide accurate, current information when you register, and to keep it up to date. You're responsible for keeping your password, PIN, and any two-factor authentication method confidential -- notify us immediately if you believe your account has been accessed without your permission.
3. Identity verification
Nigerian financial regulations require us to verify your identity before certain features (such as crypto trading or higher transaction limits) become available. We may ask you to provide your BVN, NIN, passport, or other documents, and we may share this information with licensed verification partners and regulators as required by law.
4. Wallet, funding, and spending
Your XandaApp wallet holds a naira balance you can fund via card, bank transfer, or supported cryptocurrency deposit, and spend on bills, gift cards, tuition payments, travel bookings, crypto trades, transfers to other users, and withdrawals to your bank account. We reserve the right to set and change minimum transaction amounts, daily/monthly limits, and a minimum balance that must remain in your wallet at all times, as described in the app.
5. Refer & Earn
From time to time we may offer a referral program where you and the person you refer each receive a bonus credited to your wallet once they sign up with your referral link or code. Bonus amounts, unlock conditions, and eligibility rules are set by us, shown in the app, and may change or be withdrawn at any time. We may suspend or reclaim bonuses obtained through fraud, fake accounts, or abuse of the program, at our sole discretion.
6. Fees
We charge fees on certain transactions (for example, gift card marketplace sales, tuition payments, and crypto trades), shown to you before you confirm. Fees may change from time to time; the fee shown at the time of your transaction is the one that applies.
7. Prohibited use
You agree not to use XandaApp for money laundering, fraud, terrorism financing, or any other unlawful purpose; to create multiple accounts to abuse promotions or referral bonuses; to attempt to circumvent our security measures; or to use the Service in any way that could harm XandaApp, other users, or third parties. We may suspend or close accounts that violate these Terms.
8. Account closure
You may request to close your account at any time from Settings. Closure requests go through a cooling-off period during which you can change your mind. You must withdraw any remaining wallet balance before your account can be permanently closed.
9. Limitation of liability
XandaApp provides the Service "as is". To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from your use of the Service, including losses from third-party payment gateways, airlines, hotels, or other service providers we integrate with.
10. Changes to these Terms
We may update these Terms from time to time. We'll let you know of material changes through the app or by email. Continuing to use XandaApp after changes take effect means you accept the updated Terms.
11. Contact us
If you have questions about these Terms, reach us through the Feedback and Suggestions option in Settings, or at the support email listed on our website.