Terms & Conditions

Last updated: February 20, 2026

1. Introduction

Welcome to Kayi App. These Terms and Conditions govern your use of our services, including money transfer and bill payments. By accessing or using our services, you agree to be bound by these terms.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By registering, you represent and warrant that you meet these requirements.

3. Account Registration

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use of your account.

4. Services Provided

Kayi App provides the following services:

  • Money transfer.
  • Bill payments.

5. Financial Risks

Investment in stocks, cryptocurrencies, and other financial instruments carries risk. Past performance does not guarantee future results. You acknowledge that you may lose some or all of your invested capital.

6. Fees and Charges

We reserve the right to charge fees for our services. All applicable fees will be clearly disclosed before you complete any transaction. Fees are subject to change with prior notice.

7. Prohibited Activities

You agree not to misuse our services.

  • Use our services for illegal activities.
  • Attempt to gain unauthorized access to our systems.
  • Engage in fraudulent transactions.
  • Violate any applicable laws or regulations.

8. Limitation of Liability

Kayi App shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability shall not exceed the amount of fees paid by you in the 12 months preceding the claim.

9. Termination

We reserve the right to suspend or terminate your account at any time for violation of these terms or for any other reason we deem necessary to protect our services and other users.

10. Changes to Terms

We may update these Terms and Conditions from time to time. We will notify you of any material changes by posting the updated terms on our website. Your continued use of our services constitutes acceptance of the updated terms.

11. Contact Information

For questions about these Terms and Conditions, please contact us.

Email: help@kayi.africa | Phone: 0800-000-KAYI (0800-000-5294) | Address: 61, Maganda Road, Kano, Nigeria