Terms of Service

These Terms of Service ("Terms") govern your access to and use of our identity (digital credentials) verification service (the "Service"). These terms form a binding agreement between you and Tulu Identity with respect to your use of our website, application and services related to the use of our platform.

Tulu Identity provides digital identity verification services designed to verify your identity (digital credentials) by collecting and processing personal data including government-issued IDs, and other relevant data to enable secure authentication and reduce fraud and forgery without compromising the fundamental values and respect for data privacy.

By registering an account, providing your personal data and information, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not accept these Terms, you must not use the Tulu Identity platform or its services.

2.1 Individuals

Individuals are allowed to register on the platform in their own personal capacity. By registering to the use of our Services, you represent and warrant that you are at least 18 years of age and above, and possess the legal capacity to enter into this agreement, and are not prohibited from supplying your personal data on our platform under any applicable law.

Also, that you agree to provide accurate, current, and complete information when requested by Tulu Identity. You authorize Tulu Identity to collect, process, and verify your identity in accordance with our Privacy Policy. You are therefore not obliged to misuse or attempt to misuse the Service, including unauthorized access or interference with the Service operation.

2.1.1 KYC and Identity Verification for Individuals

To comply with the Know Your Customer (KYC) policy in Nigeria, all individual Users must complete a verification process before accessing full platform functionality. You agree to provide and supply accurate, current, and complete information during the registration process, including but not limited to:

• Full legal name
• Date of birth
• Valid government-issued ID (e.g. National ID, Driver's License, International Passport).

We reserve the right to decline, suspend, or terminate your account if we are unable to verify your identity or if your KYC information is found to be false, incomplete, or misleading.

2.2 Institutions

Institutions are allowed to register on the platform in their corporate capacity. By registering to the use of our Services, such corporate entity represents and warrant that it is duly incorporated and recognized by the respective laws of the country of its incorporation, possess the legal capacity to enter into this agreement, and is not prohibited from supplying on our platform under any applicable law. Also, the corporate institution agrees to verify and issue digital certificate when requested via our platform to our end users i.e. individual, developers and validators. By so doing, the corporate entity authorize Tulu Identity to collect, process, and verify its information in accordance with our Privacy Policy. It is therefore obligated not to misuse or attempt to misuse the Service, including unauthorized access or interference with the Service operation.

2.3. Developers and Validators

Developers can be eligible for registration on our platform if they demonstrate technical expertise and experience relevant to the Tulu Identity platform, with supporting credentials (such as certificates, portfolios or references).

Validators such as identity verification and management institutions, other known recognized local and international validators need to have a strong background in verification, compliance, or a related field, and must be recognized by their professional body or institutions overseeing Tulu Identity.

Upon successful KYC verification and account creation, you will be provided with a digital Tulu Identity Credential such as:

• Unique Tulu Identity Number or Pin for authentication and access to the platform;
• Wallet, Public Key and Private Key
• Decentralized Identifier and lastly
• QR code/scannable link for instant verification in accordance with these Terms.

You are solely responsible for:

• Maintaining the confidentiality of your login credentials (email, password, PIN)
• Restricting access to your devices
• Immediately notifying Tulu Identity of any unauthorized use or breach of your account security.

3.1 Acceptable Use

All Users agree not to:

• Violate applicable international, regional or national laws or infringe on intellectual property rights.
• Spread hate speech, misinformation, or harmful content.
• Exploit the Service for fraud or impersonation.
• Reverse-engineer or disrupt the platform's functionality.

3.2 Fees and Charges

Tulu Identity may apply fees in connection with the use of its Platform. By using the platform, you agree to a standard fee framework, which may be amended from time to time with reasonable notice.

All fees will be debited or deducted in real time or at settlement. An up-to-date fee schedule is available within the Tulu Identity app or on our website. The continued usage of the Service constitutes your acceptance of any updated fee terms.

4.1 Account Security and Access Controls

By creating a Tulu Identity account, you agree to maintain full responsibility for securing your login details, PIN, digital identity information, and device access. You must take all necessary precautions to protect your account from unauthorized use, including:

• Creating a strong, unique password;
• Keeping your PIN and digital information confidential;
• Immediately updating credentials if you suspect they have been compromised;
• Logging out of the application on shared or public devices.

Tulu Identity is not responsible for any unauthorized access made using your login credentials, unless such activity results from a proven breach of our systems. If you suspect any account compromise, you must notify us immediately via our official support channels.

4.2 Prohibited Uses

You agree that you will not use the Tulu Identity platform for any unlawful or restricted activity.

Specifically, you shall not:

Violation of this section may result in immediate termination of your account and referral to law enforcement or regulatory bodies.

5.1 Right to Suspend or Freeze Accounts

Tulu Identity reserves the right to suspend, limit, or freeze access to your account without prior notice if:

• we detect suspicious, high-risk, or unusual activity;
• your KYC and data information is found to be false, expired, or unverifiable;
• we are directed to do so by a regulatory authority, law enforcement, or a court of competent jurisdiction;
• there are concerns over platform misuse, regulatory compliance, or risk exposure.

During a suspension period, you may be temporarily unable to access certain parts of the platform until the issue is resolved.

5.2 Termination by User (Individual, Institutions, Developers, Validators)

You may choose to deactivate your Tulu Identity account at any time by submitting a request through our in-app support or via email. However, you remain responsible for any legal or compliance investigations related to your prior activity.

5.3 Termination by Tulu Identity

We may permanently terminate your account under the following conditions:

• Severe or repeated violation of these Terms;
• Use of the Services for fraud, regulatory breaches;
• Illegal or harmful activities and prolong in activities
• Being blacklisted by a scheme; and
• Non-cooperation with risk assessments or investigations.

6.1 No Guarantee of Availability

Tulu Identity provides access to its platform on an "as-is" and "as-available" basis. While we strive to maintain a high standard of uptime and service availability, we do not guarantee that:

• The Platform will be uninterrupted, secure, or error-free;
• System performance will be unaffected by third-party disruptions e.g., cloud services.

6.2 Limited Liability

To the fullest extent permitted by applicable law, Tulu Identity shall not be liable for:

• Any indirect, incidental, special, or consequential damages, including loss of data;
• Any unauthorized access resulting from your failure to secure your digital credentials or device;
• Regulatory actions, freezes, or account limitations required by law.

Tulu Identity is committed to protecting the personal data of its users in compliance with international best practices and regulations; including other relevant data protection laws, where applicable.

By using our platform, you acknowledge and agree that we may collect, process, and store certain personal and transactional information necessary for the provision of services. This includes but not limited to:

• Personal identity information provided during KYC (e.g., name, date of birth, ID details);
• Device information and IP addresses used for login access;
• Usage analytics and behavioral insights for platform security and optimization.

We store this data securely using encryption at rest and in transit, access controls, and privacy-by-design infrastructure hosted on compliant cloud platforms (e.g. AWS). We do not sell personal information. We may share data with regulatory authorities or third-party service providers only as necessary to fulfil lawful obligations, resolve disputes, process transactions, or support our operational functions.

For more details on how we handle your personal data, your rights under global regulations, and how to request access or deletion, please refer to our full Privacy Policy or contact our Data Protection Officer (DPO) at (privacy@tulupay.com)

These Terms shall be governed by and construed in accordance with international best practices and global regulations. Any dispute, controversy relating to your use of the Tulu identity platform shall be resolved as follows:

8.1 Internal Resolution First

Users agree to first contact Tulu identity via the official support email or in-app dispute resolution channel to resolve any complaints. We commit to responding to all legitimate concerns within five (5) business working days.

8.2 Legal Escalation

If a dispute cannot be resolved informally within fifteen days (15) business working days, it shall be referred to Arbitration, which shall be conducted in the manner agreed to by the parties.

The decision of the Arbitrator shall be final and binding. Either party may seek interim injunctive relief in a court of competent jurisdiction where necessary.

Tulu Identity reserves the right to modify, revise, or update these Terms at any time. Users will be notified of significant changes via:

• In-app notifications;
• Email (to the registered address);
• Or through a notice on the official website.

Unless otherwise stated, revised Terms become effective seven (7) days after notice is issued. The continued usage of the platform after the effective date constitutes your acceptance of the updated Terms.

We encourage users to periodically review these Terms to stay informed of their rights and responsibilities.

For questions, concerns, or to report unauthorized use, fraud, or errors on your account, you may contact us via: