Terms of Use

These terms are an agreement between you and Hulani Studio Limited (RC 9953693), a company registered in Nigeria, which runs Cadis ("we", "us"). By creating an account or using the app or website, you accept them. Please also read our Privacy Policy, which explains how we handle your data.

• You must be 18 or older and able to enter a contract.
• You must give true, current details and keep them up to date.
• A business account may only be opened by a person authorised to act for a business registered in Nigeria, which must pass our business verification.
• You may hold one personal account. We may limit how many businesses one person can own on Cadis.

• Keep your password, transaction PIN and the codes we send you private. We will never call, message or email you to ask for them.
• Your account works on one trusted phone at a time. Signing in on a new phone needs a code sent to your number and signs the old phone out.
• Tell us straight away if you think someone else has accessed your account. You can also lock your account in the app in one tap.
• You are responsible for activity done with your password, PIN or trusted phone, unless it happened after you told us of a problem or because of our failure.

Cadis helps you organise money for the places you look after into Spaces and set up automations: payments made for you on a schedule, such as electricity tokens, airtime, data, TV subscriptions, rent, levies and salaries.

Cadis is not a bank. Accounts, account numbers and money transfers are provided by licensed Nigerian payment partners. Money you hold through Cadis is held by those partners in line with Central Bank of Nigeria rules, not by Cadis.

• You add money by bank transfer to the account number issued to you (and, for businesses, to a branch Space’s own account number).
• Payments you make by hand need your transaction PIN or your phone’s biometrics. A confirmed payment instruction usually cannot be reversed.
• Check recipient details before you confirm. If you pay the wrong person, we will help you request the money back, but we cannot guarantee it is returned.
• Your payment partner’s limits and our tier limits apply (see section 9).

When you turn an automation on, you authorise us to make that payment from the chosen Space or wallet on the schedule and conditions you set, until you change or turn it off.

• Make sure the details are right (meter number, smartcard number, phone number, bank account) and that there is enough money. If there is not enough money, the payment does not go out and we tell you.
• Payments to billers depend on them. If a biller’s system is down or delayed, we retry, and if a payment fails we return the money to your wallet. Electricity tokens are kept in the app so you can load them later.
• Large or unusual payments may need extra confirmation. In a business, payments above the limits set by the owner wait for an approver.
• You can pause, edit or turn off any automation in the app. Changes apply to payments not yet started.

• Some features are free; others need a paid plan or paid extras (an extra Space, automation or teammate). Current prices are shown in the app before you pay.
• Value Added Tax (7.5%) is added to fees and shown before you confirm.
• Plans renew automatically from your wallet at the end of each period unless you turn auto-renew off. We remind you before each renewal.
• If a renewal cannot be paid, your plan keeps working for 7 days while we try again. If it then ends, nothing is deleted; features beyond the free plan pause until you renew.
• Fees already paid for a period are not refunded if you cancel mid-period, unless the law requires it or we made an error.
• If a price changes, the new price applies from your next renewal, not to a period you have already paid for. We remind you before every renewal with the amount, and you can turn off auto-renew at any time before it.

• The business owner is responsible for who is invited, the role each person has (Owner, Admin or Operations, Space by Space), and the approval limits set.
• Actions taken by team members within their role count as actions of the business.
• The owner must remove access promptly when someone leaves.
• The read-only dashboard opened on a computer from the app shows business data; only open it on devices you trust.

We must verify who you are (and, for businesses, the business and its owners). How much you can hold and send depends on your verification tier. We may ask for more information at any time, and we may refuse, delay or limit a transaction where the law requires it or we suspect fraud or money laundering.

• Use Cadis for anything illegal, including fraud, money laundering, terrorism financing or evading sanctions.
• Use someone else’s identity, account or payment details without their permission.
• Try to get into accounts or systems you are not allowed into, copy the app, or interfere with how it works.
• Use automated tools to sign up, scrape or overload the service.
• Mislead us or our partners, including by giving false business documents.

You can close your account at any time once your balance is zero; you have 30 days to change your mind. We may suspend or close an account, or block a payment, if the law or a regulator requires it, if we reasonably suspect fraud or misuse, or if you seriously or repeatedly break these terms. Unless the law prevents it, we will tell you why and how to send us your side. Money that is yours is returned to you, minus anything owed, once any legal hold ends.

We provide Cadis with reasonable care and skill. We are not responsible for losses caused by:

• wrong details you entered, or not enough money for a scheduled payment;
• delays or failures of billers, banks, networks or other services outside our control (we will retry and return failed payments);
• someone using your password, PIN or phone because you did not keep them safe;
• events beyond reasonable control, such as power or network outages, strikes or government action.

Where we are responsible, our total liability for any claim is limited to the fees you paid us in the 12 months before it, plus any money of yours we failed to pay out or return. Nothing in these terms limits liability that cannot be limited under Nigerian law, including for fraud or for your rights under the Federal Competition and Consumer Protection Act 2018.

The Cadis app, website, name and logo belong to us or our licensors. You may use them only to use the service, and not copy, change or resell them.

We improve Cadis over time and may change or stop features. We will tell you at least 30 days before a change to these terms that affects you badly. If you do not agree, you can close your account before the change takes effect without any charge.

If something has gone wrong, tell us: email support@usecadis.com or call +234 902 560 9513. Include your phone number on Cadis and, for a payment, its date and amount.

• We acknowledge every complaint within 2 working days and give it a reference.
• We aim to resolve it within 14 working days and will update you if it takes longer.
• For payment disputes, we raise the matter with our payment partner, who also handles it under Central Bank of Nigeria consumer-protection rules.
• Data protection complaints can also go to our Data Protection Officer at dpo@usecadis.com.

If you are not satisfied with our final answer, you can contact the Federal Competition and Consumer Protection Commission, the Central Bank of Nigeria’s consumer protection department through our payment partner, or, for data matters, the Nigeria Data Protection Commission.

These terms are governed by the laws of the Federal Republic of Nigeria. We will first try to settle any dispute with you through our complaints process. If that does not work, either of us may refer it to mediation at the Lagos Multi-Door Courthouse, or to the courts of Lagos State.

support@usecadis.com · +234 902 560 9513 · Maryland, Lagos, Nigeria.