Terms & Conditions
Last updated:
These Terms & Conditions ("Terms") govern your use of the Kadick Moni platform, website, and related services (together, the "Services") provided by Kadick Integrated Limited ("Kadick", "we", "our"). By using the Services you agree to be bound by these Terms.
Eligibility
To use the Services as an agent, you must:
- Be at least 18 years old.
- Provide accurate, current, and complete information during registration, and keep that information up to date.
- Have the legal capacity to enter into a binding contract.
- Not be barred from providing financial services under any applicable law or regulatory directive.
Your obligations as an agent
As a Kadick Moni agent you agree to:
- Carry out transactions only for yourself and for customers who are physically present.
- Never perform a transaction for a customer without their explicit consent.
- Maintain accurate records of every transaction you perform.
- Follow all KYC, AML, and consumer-protection requirements applicable to your business.
- Not use the Services for any illegal or unauthorised purpose.
- Not reverse-engineer, copy, or resell the Services.
- Report any suspicious activity to Kadick immediately.
Fees and commissions
Commissions on each transaction type are set out in your agent dashboard and may be updated from time to time. Kadick may also charge service fees as described in the dashboard. Where fees change, we will give reasonable notice.
Wallet and funding
Your Kadick Moni wallet is funded through your dedicated virtual account. Wallet balances do not earn interest. You are responsible for safeguarding your login credentials, transaction PIN, and device. Report any unauthorised access to Kadick immediately.
Prohibited activities
You may not use the Services to:
- Facilitate money laundering, terrorist financing, or any other financial crime.
- Perform transactions on behalf of anyone other than the customer in front of you.
- Impersonate another person or misrepresent your identity.
- Interfere with the operation of the Services or attempt to gain unauthorised access.
- Use the Services in any manner that violates applicable law or third-party rights.
Suspension and termination
Kadick may suspend or terminate your access to the Services if we reasonably believe you have breached these Terms, engaged in fraudulent activity, or failed to meet regulatory requirements. We will notify you of any suspension unless prohibited by law.
Limitation of liability
To the maximum extent permitted by law, Kadick is not liable for any indirect, incidental, special, or consequential damages arising from your use of the Services, including but not limited to loss of profit, loss of data, or business interruption. Our total liability for any claim arising under these Terms is limited to the fees you paid Kadick in the three months preceding the claim.
Intellectual property
The Kadick Moni name, logo, software, and all related content are the property of Kadick Integrated Limited or its licensors. Nothing in these Terms grants you any right to use our trademarks, logos, or branding without prior written consent.
Governing law and disputes
These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms will be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.
Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the "last updated" date at the top of this page. Material changes will be communicated to you by email or through the agent dashboard before they take effect.
Contact us
Questions about these Terms? Reach us at:
- Email: info@kadickintegrated.com
- Phone: +234 800 0523 425