Privacy Policy & Terms

Introduction

These Terms & Conditions and Privacy Policy ("Agreement") govern your access to and use of all services offered by I-sabi, a digital financial technology and entertainment platform developed and operated by Ayaweisoft Company Limited ("we", "us", "our"). I-sabi's services include, but are not limited to:

• Quiz Trivia & live competitive games
• E-Voting for events and organisations
• E-Ticketing for events
• Event creation and management
• Digital wallet, balance top-up and transfers
• Utility bill payments (airtime, data, electricity, TV subscriptions, exam pins)

By downloading, installing or using any I-sabi platform (mobile app, web app, desktop app or website), you confirm that you have read, understood and agree to be bound by this Agreement in full. If you do not agree, you must discontinue use immediately.

Definitions

General Terms & Conditions

By accessing I-sabi services you confirm that:

• You are at least 18 years of age, or have the consent of a parent or guardian where applicable under Nigerian law.
• The information you provide during registration and at all times is accurate, current and complete.
• You are solely responsible for maintaining the confidentiality of your account credentials. Any activity under your account is your responsibility.
• Accounts are strictly personal and non-transferable. Account sharing is prohibited.
• I-sabi reserves the right to suspend or permanently terminate any account found to be involved in fraudulent, abusive, or prohibited activity without prior notice.
• I-sabi shall not be liable for losses arising from user error, incorrect account details, misuse of services, or events beyond our reasonable control including but not limited to network failures, force majeure, or third-party service outages.
• I-sabi reserves the irrevocable right to amend these terms at any time. Continued use of the platform after amendments constitutes acceptance of the revised terms.

I-sabi Trivia Terms

Live Game

• The I-sabi Saturday Live Trivia shall hold on Saturdays between 6:00 AM and 6:00 PM (WAT) unless otherwise announced.
• Participation requires a sufficient wallet balance or bonus units as specified per game session.
• Each game session costs a fixed amount deducted per play attempt. Multiple attempts are permitted subject to available balance.
• Only a user's best time for a completed correct run shall count toward the leaderboard.
• The top ten (10) users on the leaderboard at the close of a valid Trivia session who have answered all questions correctly within the allotted time shall be declared winners, subject to upward review by I-sabi.
• The first-place winner shall receive ₦10,000; positions 2–10 shall receive ₦5,000 each, subject to review.
• Prizes are disbursed to the bank account registered to the winner's profile. I-sabi shall not be responsible for failed disbursements arising from incorrect bank details supplied by the user.
• I-sabi shall not be liable for network-related disruptions, latency, or disconnections during gameplay.
• I-sabi reserves the right to disqualify any user found to be using bots, scripts, exploits or any form of cheating tool.
• Winners may be contacted for testimonial purposes at I-sabi's discretion.

Demo Mode

• Demo mode is available to all registered users for practice and does not award monetary prizes.
• Demo play may be funded from wallet balance or bonus units as configured per session.

Questions & Content

• I-sabi reserves the right to source, set, randomise and retire questions from any field of knowledge.
• I-sabi retains full intellectual property rights over all quiz content.
• Users may report suspected erroneous questions via the in-app report feature. I-sabi shall investigate and may void affected rounds at its sole discretion.

Events, E-Ticketing & E-Voting

Event Creation & Management

• Clients wishing to onboard an event must provide accurate event details, valid contact information and a functioning bank account for settlement.
• I-sabi reserves the right to approve or reject any event submission at its sole discretion without being required to give reasons.
• All revenue generated from ticket sales or vote purchases, after deduction of I-sabi's platform commission, shall be settled to the event owner's designated account per the agreed schedule.
• I-sabi's platform commission and revenue sharing ratio shall be agreed upon at the time of event onboarding and may vary per event type.
• Event owners are solely responsible for the delivery, quality and legality of their events. I-sabi is a technology facilitator only and bears no liability for event cancellations, postponements or disputes between event owners and attendees.

E-Ticketing

• Ticket purchases are processed in real time. Users will receive a confirmation and unique ticket ID upon successful payment.
• Tickets are non-refundable unless an event is cancelled by the event owner and I-sabi is formally notified to process refunds.
• Ticket sharing is permitted through the platform's share feature. Shared tickets are governed by the same terms.
• I-sabi's QR-based ticket validation system is the authoritative check-in mechanism. I-sabi shall not be responsible for counterfeit tickets created outside its platform.

E-Voting

• Votes are purchased at a rate set by the event owner at the time of event creation.
• All votes are final upon purchase and non-refundable.
• I-sabi does not endorse, influence or guarantee the outcome of any voting event. Results are determined solely by votes cast through the platform.
• Any attempt to manipulate votes through automated means, bulk purchasing or collusion is prohibited and may result in account suspension and event disqualification.

Deposits, Wallet & Financial Services

Deposits & Top-Up

• Deposits must be made exclusively through payment channels authorised and published by I-sabi. I-sabi shall not be liable for funds sent to unofficial channels.
• Wallet balances are credited only upon confirmed receipt of funds by I-sabi's payment processors.
• The minimum deposit amount is ₦500.
• I-sabi uses third-party payment processors. Transaction fees imposed by these processors may be passed on to the user and will be clearly disclosed at the point of payment.

Withdrawals & Transfers

• Users may withdraw available wallet balance to their registered bank account, subject to identity verification requirements.
• Withdrawal processing times vary between 24–72 hours on business days.
• Applicable withdrawal fees shall be borne by the user and disclosed before confirmation.
• Bonus units, promotional credits and trivia demo tokens are non-withdrawable and have no cash equivalent.
• Failed withdrawals caused by incorrect bank details supplied by the user shall be at the user's risk. I-sabi will attempt to reverse failed withdrawals caused by system errors within 5 business days.

Utility Services

• I-sabi facilitates airtime, data, electricity token, TV subscription and exam PIN purchases through licensed third-party aggregators.
• Transactions are generally instant but may experience delays due to third-party processing. I-sabi shall not be liable for delays or failures caused by the utility provider or aggregator.
• All successful utility transactions are final and non-refundable unless otherwise stated by the utility provider.
• Any failed transaction that results in a deduction without delivery will be investigated and resolved within 48–72 business hours.

Refunds

• User balances are generally non-refundable except in cases of verified duplicate charges, system errors or failed utility transactions as described above.
• Clients may request a refund of unused event proceeds no later than three (3) weeks before the event execution date. Refunds after this period are at I-sabi's sole discretion.
• All refund requests must be submitted in writing to I-sabi's official support channel.

Data Collection & Privacy

What We Collect

• Personal data: Full name, email address, phone number, profile photo, date of birth.
• Financial data: Bank account details (for withdrawals and settlements), transaction history.
• Device & usage data: IP address, device type, operating system, app usage patterns, in-app behaviour.
• Location data: General location inferred from your IP address, and, only if you allow it on your phone, your device's approximate or precise location: to set the state you are in now (for Trending and campus content) and to check delivery areas in the Shop. You can turn this off at any time in your phone's settings.
• Content you share: Moments (photos, videos, text, captions, stickers, places), comments and reactions, chat messages, voice notes, files, and your profile and education details. Voice and video calls are relayed live and are not recorded or stored.
• Camera and microphone: used only when you take a photo or video, record a voice note, scan a ticket or join a call.
• Contacts: only if you allow it, and only when you tap Find padi or Invite: phone numbers are checked against i-SABI accounts so you can find friends. We do not use your contacts for any other purpose.
• Notifications: a device push token, so we can send you notifications you have turned on.

How We Use Your Data

• To create and manage your account and provide all requested services.
• To process transactions, verify identity and prevent fraud.
• To communicate service updates, promotional offers and important notices.
• To improve platform performance, features and user experience.
• To comply with applicable Nigerian laws and regulatory requirements, including financial regulations.

Data Sharing

• I-sabi does not sell your personal data to third parties.
• We share data only with authorised payment processors, utility aggregators and regulatory authorities as required by law.
• Event owners receive only the data necessary to manage their events (e.g. ticket holder names, contact details for check-in). Event owners are bound by confidentiality obligations.
• Service providers that process data for us, under contract: Cloudinary (storing photos and videos), LiveKit (relaying calls), Google Firebase Cloud Messaging (notifications), and our licensed payment, bank-transfer and bill-payment partners (processing your payments). Over-the-air app updates (Capgo) receive no personal data.

Data Security

• We employ industry-standard encryption (TLS/SSL) for data in transit and encryption at rest for sensitive financial data.
• Access to personal data is restricted to authorised personnel on a need-to-know basis.
• Despite these measures, no system is 100% secure. You accept this inherent risk by using the platform.

Data Retention

• Account data is retained for the duration of your account and for a minimum of 5 years after account closure, as required by Nigerian financial regulations.
• Transaction records are retained for a minimum of 7 years.

Your Rights

• Under the Nigeria Data Protection Act 2023 you may request access to, correction of, or deletion of your personal data by contacting our support team.
• Deletion requests are subject to regulatory retention obligations and may not apply to transaction records.
• You may opt out of marketing communications at any time via the in-app settings or by contacting support.

Deleting Your Account

• In the app: go to Me → Security → Delete account, confirm with your password, and tell us why if you like.
• Without the app: request deletion at i-sabi.com.ng/delete-account or email support@i-sabi.com.ng from the email address on your account.
• Please withdraw any wallet or savings balance first. If you can't, we will contact you to pay it to your bank account before the account is closed.
• We complete deletion within 30 days. We erase your profile and personal details, photo, moments and highlights, comments, messages you sent, your public profile, push tokens and devices, and close your store if you have one. You can no longer sign in.
• We keep what the law requires: transaction and payment records, and the identity details tied to them, for the retention periods above. They are kept securely and are not used for anything else.

Children

• i-SABI is not directed at children under 13, and we do not knowingly collect data from them. Users under 18 need the consent of a parent or guardian for paid features. If you believe a child under 13 has an account, contact us and we will delete it.

Acceptable Use & Prohibited Conduct

You agree not to use I-sabi's platform to:

• Engage in money laundering, terrorism financing, fraud or any other illegal financial activity.
• Upload, share or distribute unlawful, defamatory, obscene or harmful content.
• Impersonate another user, person or entity.
• Attempt to reverse-engineer, decompile, hack or disrupt any part of the platform.
• Use automated scripts, bots or crawlers to interact with the platform.
• Conduct multiple simultaneous accounts or account sharing.
• Manipulate trivia scores, votes or any game mechanic through any unauthorised means.
• Publish or transmit content that infringes any third party's intellectual property rights.

Violation of these provisions may result in immediate account suspension, forfeiture of balances, and referral to relevant law enforcement authorities.

Platform Updates & Availability

• I-sabi may release updates, patches or new features at any time. Continued use of the platform constitutes acceptance of such updates.
• I-sabi reserves the right to modify, suspend or permanently discontinue any feature or service without liability.
• Scheduled maintenance windows will be communicated in advance where reasonably practicable. I-sabi shall not be liable for service interruptions caused by maintenance.
• I-sabi does not guarantee uninterrupted or error-free operation of the platform.

Intellectual Property

• All platform content — including but not limited to design, code, graphics, quiz questions, brand assets, copy and functionality — is the exclusive intellectual property of Ayaweisoft Company Limited, protected under Nigerian and applicable international copyright, trademark and intellectual property law.
• You are granted a limited, non-exclusive, non-transferable, revocable licence to use the platform solely for its intended personal or business purpose.
• You may not copy, reproduce, modify, distribute, publicly display or create derivative works from any platform content without express prior written permission from I-sabi.
• I-sabi may not be represented by any third party without a duly signed and stamped authorisation document.

Copyright Infringement Notices

If you believe any material on our platform infringes your copyright, please submit a notice to our support team containing:

• Physical or electronic signature of the copyright owner or authorised representative.
• Identification of the allegedly infringing material and its location on the platform.
• Your contact information (name, address, phone number, email).
• A statement of good faith belief that the use is not authorised by the copyright owner.
• A statement, under penalty of perjury, that the information provided is accurate and that you are authorised to act on behalf of the copyright owner.

Limitation of Liability

• To the maximum extent permitted by applicable law, I-sabi and Ayaweisoft Company Limited shall not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data or goodwill, arising from your use of or inability to use the platform.
• I-sabi's total aggregate liability to any user or client for any claim shall not exceed the total amount paid by that user or client to I-sabi in the three (3) months preceding the claim.
• I-sabi shall not be held liable for the actions, omissions or content of event owners, third-party payment processors or utility service providers.

Dispute Resolution

• In the event of a dispute, you agree to first contact I-sabi's support team and allow up to 14 business days for resolution before pursuing any formal legal action.
• All disputes shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
• Any unresolved disputes shall be subject to the exclusive jurisdiction of the courts of Nigeria.
• All complaints must be directed to I-sabi directly. Public complaints directed to third parties without I-sabi's consent may be considered defamatory and subject to legal action.

Confidentiality

• All agreements between I-sabi and its clients are entered into with an implied obligation of non-disclosure.
• Clients shall not disclose proprietary pricing, technical integrations or contractual terms to any third party without I-sabi's prior written consent.
• I-sabi reserves the right to serve multiple clients with similar services and cannot face litigation on that basis alone.

Contact Us

For all queries, complaints, support requests, data-protection requests or legal notices, email us. More on our contact page.

These Terms & Conditions and Privacy Policy are effective as of October 2026 and supersede all previous versions. Ayaweisoft Company Limited · Nigeria · All rights reserved.