NUBIBOOKS TERMS AND CONDITIONS

Effective Date: 23 September 2026
Last Updated: 23 September 2026

These Terms and Conditions govern your access to and use of NubiBooks.

Please read them carefully before creating an account or using the Service.

By creating a NubiBooks account, accepting these Terms electronically, accessing NubiBooks or continuing to use any part of the Service, you agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree with these Terms, you should not use NubiBooks.

1. ABOUT NUBIBOOKS

NubiBooks is a business management, bookkeeping, invoicing, payments and related technology platform owned and operated by Nubisoft Limited, a company incorporated under the laws of the Federal Republic of Nigeria with registration number RC 9588280.

NubiBooks provides tools that may enable businesses to manage invoices, receipts, sales, expenses, customers, suppliers, products, stock, branches, staff, payments, payouts, business records and other related activities.

NubiBooks may also provide artificial intelligence, voice-assisted functionality, identity and business verification, payment collection, virtual account functionality and other services made available from time to time.

For the purposes of these Terms, references to "Nubisoft", "NubiBooks", "we", "us" or "our" refer to Nubisoft Limited, as applicable.

References to "you", "your", "Merchant" or "User" refer to the person or business accessing or using NubiBooks.

Our principal contact location is Magodo Phase 2, Lagos, Nigeria.

2. ACCEPTANCE OF THESE TERMS

By registering for or using NubiBooks, you confirm that you have read and understood these Terms and agree to be bound by them.

Where you create or operate an account on behalf of a company, partnership, registered business name or other organisation, you represent that you have authority to accept these Terms on behalf of that organisation.

In that situation, references to "you" include both you and the organisation you represent where appropriate.

You must not create an account or use NubiBooks on behalf of another person or organisation without appropriate authority.

Where NubiBooks introduces a new version of these Terms that requires re-acceptance, you may be required to accept the current version before continuing to use the Service.

3. ELIGIBILITY

NubiBooks is intended for business and commercial use.

You must be at least 18 years old and have the legal capacity to enter into a binding agreement under applicable law.

You must provide accurate information when registering and must not impersonate another person, create an account using false information or misrepresent your relationship with a business.

We may require additional information or verification before allowing you to use particular features.

4. ACCOUNT REGISTRATION

You may be required to provide information including your name, telephone number, email address, business name and other information necessary to establish your account.

Certain features may require additional information concerning your business, identity, bank account, company registration, directors, beneficial owners or other relevant matters.

You agree that information supplied to NubiBooks must be accurate, current and complete.

You must update information where it changes and where the accuracy of that information is relevant to your continued use of the Service.

Nubisoft may refuse, restrict or suspend registration where information cannot reasonably be verified, appears fraudulent or misleading, or where we are required to do so for legal, regulatory, security or risk-management reasons.

5. ACCOUNT SECURITY

You are responsible for maintaining the security of your NubiBooks account.

You must keep your password, authentication information, OTPs and other security credentials confidential.

You must not knowingly permit an unauthorised person to access your account.

You must notify Nubisoft promptly if you reasonably believe your account has been compromised or accessed without your authority.

Nubisoft may take reasonable steps to protect an account where suspicious or unauthorised activity is detected. This may include requesting additional verification, restricting particular transactions or temporarily restricting access while the matter is investigated.

You are responsible for activity carried out through your account by persons whom you have authorised to use it, subject to applicable law.

6. BUSINESS ACCOUNTS

A NubiBooks account may be associated with a business and, where available, one or more branches.

The person designated as the owner or principal controller of a business account is responsible for the administration of that business account.

You must not claim ownership or control of a business that you are not legally authorised to represent.

Nubisoft may request evidence of ownership, directorship, authority or other business information where necessary.

Where ownership or authority over an account is disputed, Nubisoft may temporarily restrict certain actions while reasonable verification is conducted.

7. STAFF USERS AND ACCESS

A business owner or other authorised administrator may be able to invite staff members or other users to access parts of the business account.

Different users may be assigned different roles and permissions.

The business owner is responsible for deciding who should have access to the business account and what level of access should be given to each person.

You must promptly remove or restrict the access of a staff member who is no longer authorised to use the account.

Information entered or actions taken by an authorised staff member may be treated as actions of the business for which that person was authorised to act.

8. BOOKKEEPING AND BUSINESS MANAGEMENT TOOLS

NubiBooks provides technology to assist you in managing business records.

These tools may include invoicing, receipts, sales, expenses, stock, products, customers, suppliers, branches, payments, reports and other business-management functions.

You remain responsible for the accuracy and completeness of the business information you enter into NubiBooks.

Nubisoft does not become your accountant, auditor, tax adviser or financial adviser merely because you use NubiBooks.

Reports, calculations, summaries, dashboards and other information produced by NubiBooks are based on information available to the system and should be reviewed by you before being relied upon for important business, accounting, tax or legal decisions.

Where professional advice is required, you should obtain advice from an appropriately qualified professional.

9. INVOICES

NubiBooks may allow you to prepare, issue, send, manage and record payment against invoices.

You are responsible for ensuring that an invoice you issue is genuine and accurately describes the relevant transaction.

You are also responsible for confirming prices, quantities, customer information, tax treatment, payment terms and other information before issuing an invoice.

The availability of a NubiBooks invoice does not mean that Nubisoft guarantees the underlying goods or services.

Nubisoft is not a party to the commercial transaction between a Merchant and the Merchant's customer merely because an invoice is created or paid using NubiBooks.

A dispute concerning the quality, quantity, delivery, return or suitability of goods or services sold by a Merchant remains primarily a matter between the Merchant and its customer.

10. RECEIPTS AND SALES RECORDS

NubiBooks may allow Merchants to create receipts and sales records.

You must not knowingly create false, misleading, duplicate or fraudulent receipts.

A receipt generated through NubiBooks reflects information supplied to or recorded by the Merchant and the payment information available to NubiBooks.

Where a receipt or sales record contains an error, the Merchant is responsible for making an appropriate correction using available functionality.

11. PRODUCTS, STOCK AND INVENTORY

NubiBooks may provide tools for recording products, stock quantities, stock movement, cost prices, selling prices and allocations between business locations or branches.

These tools are intended to assist with business management.

You remain responsible for physically verifying your inventory where necessary.

Nubisoft does not guarantee that a quantity shown in NubiBooks will always correspond with the physical quantity held by the business where transactions have not been recorded correctly or where other circumstances have affected stock.

12. CUSTOMER AND SUPPLIER INFORMATION

NubiBooks may allow you to maintain information concerning your customers and suppliers.

You are responsible for ensuring that you are legally permitted to collect, use and enter that information into NubiBooks.

You must not use NubiBooks to unlawfully collect, obtain or process personal information.

Our handling of personal information is further described in the NubiBooks Privacy Policy.

13. PAYMENTS

NubiBooks may provide payment functionality through arrangements with banks, payment service providers and other financial institutions.

The availability of a payment method may depend on your account status, verification status, location, banking partner, transaction type and other applicable requirements.

A payment may be subject to processing, verification, reconciliation, settlement or other checks before it is treated as finally completed.

The fact that a customer has initiated a payment does not necessarily mean that funds have been finally received or settled.

Where a payment is reversed, recalled, rejected, disputed or otherwise not successfully completed, NubiBooks may update the corresponding transaction record accordingly.

14. VIRTUAL ACCOUNTS

NubiBooks may provide virtual account numbers through arrangements with banking partners.

A virtual account may be used to identify and reconcile payments made for or to a Merchant.

The virtual account number does not necessarily constitute a separate deposit account owned directly by the Merchant.

Funds received through payment infrastructure may be processed through accounts operated under arrangements between Nubisoft and its banking partners and represented within NubiBooks according to the applicable transaction and settlement structure.

A virtual account must not be sold, transferred, rented or knowingly used for unlawful activity.

Nubisoft may restrict, replace, deactivate or otherwise manage virtual account functionality where reasonably required for security, compliance, banking-partner requirements, fraud prevention or operation of the Service.

15. WALLET AND BALANCE INFORMATION

NubiBooks may display balances associated with transactions, settlements or other payment activity.

A balance displayed within NubiBooks is an electronic record maintained by the Service for the relevant purpose. The precise legal and banking treatment of underlying funds may depend on the payment or banking arrangement through which those funds were received.

You must not treat a displayed balance as proof that a particular external bank transfer has finally settled where settlement remains pending.

Where a transaction is reversed, duplicated, incorrectly credited or otherwise adjusted, Nubisoft may make corresponding corrections to the relevant balance or transaction record.

Nubisoft may also temporarily restrict withdrawal of an amount that is reasonably subject to investigation, reconciliation, reversal, legal restriction or a dispute.

16. PAYOUTS AND WITHDRAWALS

Where available, an eligible Merchant may request that available funds be paid to an approved bank account.

Payouts may be subject to verification, banking-partner processing, transaction limits, applicable fees, compliance checks and technical availability.

A payout instruction cannot always be cancelled after it has been submitted for processing.

Processing times may be affected by banks, payment networks, public holidays, system downtime, reconciliation requirements or circumstances outside Nubisoft's reasonable control.

Where the Service indicates that a payout has been initiated or submitted, this does not necessarily mean that the receiving bank has finally credited the beneficiary.

Nubisoft may use banking records and other reconciliation information to determine the status of a payout.

17. BANK AND TRANSACTION CHARGES

Certain payment, verification, transfer, settlement or other financial-service transactions may attract fees.

Where practicable, applicable charges will be displayed or otherwise communicated before or in connection with the relevant transaction.

Some charges may be imposed by banks, payment processors, verification providers or other third parties rather than by Nubisoft.

Fees already incurred in processing a completed external transaction may not be refundable merely because the User subsequently changes their mind.

Nothing in these Terms permits Nubisoft to impose a charge contrary to applicable law.

18. SUBSCRIPTIONS

NubiBooks may provide free, paid or differently priced plans.

The features, usage allowances, transaction limits or other benefits attached to a plan may differ.

The current price and features of a plan will be communicated through the Service or another official NubiBooks channel.

Where a subscription is recurring, you are responsible for maintaining a valid method of payment where required.

Nubisoft may change subscription prices or plan features from time to time.

Where a change materially affects an existing paid subscription, we will provide reasonable notice where required by applicable law or the applicable subscription arrangement.

19. USAGE ALLOWANCES AND CREDITS

Certain NubiBooks features may operate using monthly allowances, credits or usage units.

A free monthly allowance may reset at the beginning of a new usage period.

Paid credits or purchased usage units may be governed by the terms shown at the time of purchase.

The purchase of a credit or usage unit gives you the right to consume the applicable NubiBooks feature according to the applicable rules. It does not create a bank deposit or savings account.

Nubisoft may maintain separate allowances for different services, and a credit intended for one feature may not necessarily be transferable to another feature.

We will not intentionally charge a User more than once for the same chargeable action where the Service recognises that the action is a retry or duplicate.

Where a technical error causes an incorrect debit, the matter may be investigated and corrected.

20. VERIFICATION SERVICES

NubiBooks may provide identity, business registration, directorship and bank account verification functionality.

Verification services may involve third-party providers and may incur charges.

A verification result is based on information supplied by the User and information returned by the relevant provider.

Nubisoft does not control the underlying government, banking or third-party records against which a verification may be performed.

A successful verification does not constitute a guarantee by Nubisoft concerning the honesty, creditworthiness or future conduct of any person or business.

A failed or mismatched verification does not necessarily mean that the person has acted fraudulently. It may mean that the information supplied does not sufficiently correspond with the information returned by the relevant provider.

Where appropriate, Nubisoft may provide a support process for genuine verification problems.

21. THIRD-PARTY SERVICES

Some NubiBooks functionality depends upon services supplied by other organisations.

These may include banks, payment processors, identity verification providers, communication providers, cloud infrastructure providers, artificial intelligence providers, speech-processing providers, mapping services, tax infrastructure and other technical service providers.

Nubisoft does not control every aspect of those services.

A third-party outage, rejection, delay or regulatory restriction may temporarily affect NubiBooks functionality.

Where a User enters into a separate agreement directly with a third-party provider, that provider's terms may also apply.

22. ARTIFICIAL INTELLIGENCE FEATURES

NubiBooks may provide artificial intelligence functionality that assists Users with tasks such as preparing business records or interpreting instructions.

AI functionality is provided as an assistance tool.

You remain responsible for reviewing the information generated or prepared through an AI feature before relying upon it.

Artificial intelligence systems can misunderstand instructions, omit information or produce inaccurate results.

You must therefore review amounts, names, quantities, dates, products, customers, tax information and other material information before confirming an important business transaction.

Nubisoft does not guarantee that every AI-generated response will be accurate.

23. VOICE FEATURES

NubiBooks may provide voice-assisted functionality on supported devices.

Where you choose to use a voice feature, your speech may be processed to convert it into text or interpret the instruction you have given.

You are responsible for reviewing the resulting information before relying upon it.

Voice functionality may depend on your device, operating system, microphone permissions, network connection and availability of relevant speech-processing services.

A voice feature may therefore not be available on every device or at all times.

24. AI CREDITS

Use of AI or voice features may consume AI credits or usage units.

The number of units consumed may depend on the particular feature or processing required.

Where your available AI balance is insufficient for a requested action, NubiBooks may require you to obtain additional units before the action can be completed.

Purchased AI units and free monthly AI allowances may be accounted for separately.

The applicable price and usage rules will be displayed or communicated through NubiBooks.

25. TAXES

NubiBooks may provide functionality intended to assist businesses in calculating, recording or reporting taxes.

Tax calculations depend upon information available to NubiBooks, including the information supplied by the Merchant.

The Merchant remains responsible for its tax affairs and for determining whether it is required to register, charge, collect, report or remit any tax.

NubiBooks is not a substitute for professional tax advice.

Where NubiBooks integrates with a government tax or electronic invoicing system, availability of that integration may depend on the relevant government system and applicable regulatory requirements.

26. COMMUNICATIONS WITH YOUR CUSTOMERS

Where enabled, NubiBooks may send or facilitate transactional communications to your customers.

These may include invoices, receipts, payment confirmations, overdue payment reminders and other transaction-related messages.

By using such functionality, you confirm that you are authorised to provide the customer's contact details and to initiate the relevant communication.

You must not use NubiBooks customer communication functionality to send unlawful spam, fraudulent messages, harassment or unrelated unsolicited communications.

27. ELECTRONIC COMMUNICATIONS

You agree that Nubisoft may communicate with you electronically in connection with your account and use of the Service.

This may include OTPs, verification messages, security alerts, payment information, invoices, receipts, payout notifications, service notices, support responses and other operational communications.

Where permitted, communications may be sent by email, SMS, WhatsApp, push notification, in-app notification or another supported channel.

You are responsible for keeping your contact information current.

28. LOANS AND CREDIT SERVICES

NubiBooks may display information concerning loan or credit-related functionality, including functionality identified as unavailable or coming soon.

The presence of information about a possible loan product does not by itself constitute an offer of credit, approval of a loan or promise that financing will be available.

Where a loan or credit-related service is introduced, additional eligibility requirements, disclosures and terms may apply.

Where a bank, financial institution or other authorised third party is the lender, the lending decision, loan agreement, interest, repayment obligations and other credit terms may be governed by the lender's separate documentation.

Unless expressly stated in the applicable loan documentation, use of NubiBooks does not guarantee eligibility for credit.

Any future credit-related service will be subject to applicable regulatory requirements and approvals.

29. NO GUARANTEE OF FINANCING

Your use of NubiBooks, transaction volume, sales history, invoices, receipts, payment activity or other business information does not guarantee that you will qualify for a loan, overdraft or other financing.

Where financing becomes available, eligibility will be determined according to the applicable programme and lender requirements.

Nubisoft will not be liable merely because an application for financing is declined or because a lender offers an amount or terms different from those requested.

30. PROHIBITED USE

You must not use NubiBooks to commit or facilitate fraud, money laundering, terrorism financing, identity theft, unauthorised financial activity or any other unlawful act.

You must not use NubiBooks to create false invoices or receipts, disguise the source of funds, impersonate another person or business, knowingly submit false verification information, process transactions without lawful commercial purpose, gain unauthorised access to another User's information, interfere with NubiBooks systems, introduce malicious software, bypass security controls, abuse payment infrastructure or use the Service in a manner prohibited by applicable law.

You must not use another person's BVN, NIN, bank account or company information without lawful authority.

You must not use NubiBooks in a manner that could reasonably expose Nubisoft, its Users, banking partners or service providers to fraud, regulatory sanctions or material security risk.

31. RESTRICTED OR HIGH-RISK ACTIVITY

Nubisoft may refuse or restrict use of the Service for an activity that is prohibited by law, prohibited by an applicable banking or payment partner, or reasonably considered to create unacceptable fraud, security or regulatory risk.

Where appropriate, we may request additional information concerning a transaction or business activity.

Nothing in these Terms requires Nubisoft to process a transaction that Nubisoft or an applicable financial institution is legally prohibited from processing.

32. SUSPENSION AND RESTRICTION

Nubisoft may temporarily suspend or restrict an account or particular feature where reasonably necessary to protect the Service, investigate suspected fraud or unauthorised activity, comply with law, comply with a lawful regulatory or court instruction, comply with applicable banking or payment requirements, investigate a security incident, address material breach of these Terms or prevent material harm to Nubisoft, another User or a third party.

Where appropriate and legally permitted, we will communicate the reason for a material restriction and provide information about available next steps.

A restriction does not automatically mean that Nubisoft has concluded that the User committed wrongdoing.

33. TERMINATION BY THE USER

You may stop using NubiBooks at any time.

Where account deletion functionality is available, you may request deletion through the Service or contact Nubisoft.

Outstanding balances, transactions, disputes, payouts, regulatory requirements or other unresolved matters may need to be dealt with before an account can be fully closed.

Account closure does not cancel obligations or liabilities that arose before closure.

34. EFFECT OF ACCOUNT DELETION

Deleting an account does not necessarily erase every record immediately.

Certain financial, transaction, tax, accounting, compliance, security, audit and dispute records may need to be retained after account closure.

Information may also remain for an appropriate period in backups, technical records or systems operated by third-party providers, subject to applicable law and retention requirements.

Our Privacy Policy explains how personal data is handled when an account is deleted.

35. SERVICE AVAILABILITY

We aim to make NubiBooks reasonably available and reliable.

However, we do not guarantee uninterrupted or error-free availability.

The Service may occasionally be unavailable because of maintenance, upgrades, internet failure, hosting problems, banking-system downtime, payment-network disruption, third-party service failure, telecommunications problems, security incidents or circumstances beyond our reasonable control.

We may change, improve, replace or discontinue a feature where reasonably necessary.

Where a material paid feature is permanently discontinued, we will deal with any applicable prepaid entitlement in accordance with the circumstances, applicable law and any specific terms governing that entitlement.

36. ERRORS AND CORRECTIONS

Technology can fail.

A displayed balance, transaction status, invoice status, payout status, verification status or other system record may occasionally require correction where an error, duplicate transaction, delayed callback, reversal, reconciliation difference or other technical issue occurs.

Nubisoft may correct an erroneous record where there is reasonable evidence supporting the correction.

Where the correction materially affects money attributed to your account, we may investigate the underlying banking or transaction records before completing the adjustment.

37. REVERSALS, DUPLICATE PAYMENTS AND RECONCILIATION

A payment may occasionally be duplicated, reversed, overpaid, underpaid or incorrectly associated with a transaction.

Where this occurs, Nubisoft may place the affected amount into reconciliation, correct the corresponding record or take other reasonable steps to identify the proper treatment of the payment.

You must not knowingly withdraw or use money that you know was credited to your account in error.

If money is incorrectly credited and subsequently withdrawn, you remain responsible for returning an amount to which you were not entitled, subject to applicable law.

38. REFUNDS

Refunds relating to goods or services sold by a Merchant are primarily the responsibility of that Merchant.

A NubiBooks customer should contact the Merchant concerning the underlying purchase unless the issue relates specifically to payment processing by NubiBooks.

Fees charged for an external verification or financial transaction that has already been performed may not be refundable merely because the result was unsuccessful, provided the relevant service was actually performed.

Where Nubisoft incorrectly charges a User because of a technical error, duplicate processing or another error attributable to NubiBooks, we may correct or reverse the charge after appropriate verification.

39. MERCHANT RESPONSIBILITY FOR CUSTOMERS

A Merchant is responsible for the goods and services it sells.

Nubisoft does not manufacture, inspect, guarantee or endorse a Merchant's goods merely because the Merchant uses NubiBooks.

The Merchant is responsible for pricing, quality, delivery, warranties, returns, refunds, customer service and compliance with consumer-protection requirements applicable to its business.

Nubisoft may cooperate with a legitimate investigation or dispute where required by law or reasonably necessary to protect the integrity of the Service.

40. INTELLECTUAL PROPERTY

NubiBooks, including its software, design, branding, logos, documentation, interfaces and other proprietary materials, is owned by Nubisoft Limited or used by Nubisoft under appropriate rights.

These Terms do not transfer ownership of NubiBooks intellectual property to you.

Subject to these Terms, Nubisoft grants you a limited, non-exclusive, non-transferable and revocable right to access and use NubiBooks for legitimate business purposes.

You must not copy, reverse engineer, reproduce, sell, sublicense or commercially exploit NubiBooks except where expressly permitted by Nubisoft or applicable law.

41. YOUR CONTENT

You retain ownership of business information and content that belongs to you and that you enter into NubiBooks.

You grant Nubisoft the rights reasonably necessary to host, process, reproduce, transmit and otherwise use that content for the purpose of providing, securing and operating NubiBooks.

You are responsible for ensuring that you have the legal right to upload or use content that you provide to the Service.

You must not upload material that unlawfully infringes another person's intellectual property, privacy or other rights.

42. PRIVACY AND DATA PROTECTION

Our collection and processing of personal data is governed by the NubiBooks Privacy Policy.

By using NubiBooks, you acknowledge that personal data will be processed as described in that Policy and as permitted by applicable law.

Where you process the personal information of customers, employees, suppliers or other persons through NubiBooks, you remain responsible for your own obligations as a business handling that information.

43. CONFIDENTIALITY

Nubisoft will take reasonable steps to protect confidential business information entrusted to us in connection with the Service.

Users must likewise not attempt to access confidential information belonging to another NubiBooks User without authority.

Nothing in this clause prevents disclosure required by law, regulation, court order or a lawful request from a competent authority.

44. THIRD-PARTY LINKS

NubiBooks may contain links to websites or services operated by third parties.

Nubisoft does not control those external services merely because a link appears within NubiBooks.

Your use of a third-party service may be governed by that provider's terms and privacy policy.

45. DISCLAIMER

NubiBooks is provided as a technology platform for business management and related services.

To the extent permitted by law, we do not warrant that the Service will always be uninterrupted, completely error-free or suitable for every particular business purpose.

Nothing in these Terms excludes a warranty, duty or liability that cannot lawfully be excluded under Nigerian law.

46. LIMITATION OF LIABILITY

Nothing in these Terms is intended to exclude or limit liability where such exclusion or limitation is prohibited by applicable law.

Subject to that principle, Nubisoft will not be responsible for losses caused solely by information incorrectly supplied by the User, unauthorised activity resulting from the User knowingly sharing account credentials, failure of an independent third-party service outside Nubisoft's reasonable control, or a Merchant's underlying goods or services.

Nubisoft will not be responsible for indirect or consequential business losses to the extent that such liability may lawfully be limited.

Any limitation in these Terms will be interpreted in accordance with applicable Nigerian consumer protection and other mandatory laws.

47. INDEMNITY

To the extent permitted by law, you agree to be responsible for losses, claims, liabilities or reasonable costs arising from your unlawful use of NubiBooks, fraud committed through your account, deliberate violation of another person's rights, unlawful content supplied by you or material breach of these Terms.

This provision does not require you to indemnify Nubisoft for losses caused by Nubisoft's own fraud, wilful misconduct or liability that cannot lawfully be excluded.

48. FRAUD AND INVESTIGATIONS

Nubisoft may investigate activity reasonably suspected to involve fraud, unauthorised access, misuse or unlawful conduct.

We may preserve relevant records and cooperate with banks, payment providers, regulators, law enforcement authorities or other competent authorities where permitted or required by law.

We may temporarily restrict affected transactions while an investigation or reconciliation is reasonably necessary.

49. COMPLIANCE WITH LAW

You must use NubiBooks in accordance with applicable law.

Nubisoft may take steps reasonably required to comply with obligations imposed by regulators, courts, law enforcement agencies, banks, payment networks and other competent authorities.

Nothing in these Terms requires either party to perform an act prohibited by law.

50. CHANGES TO NUBIBOOKS

NubiBooks is an evolving product.

We may add, modify, improve, replace or discontinue features.

Not every feature advertised, tested or described as upcoming is necessarily available to every User.

Availability may depend on account type, subscription plan, device, regulatory status, banking arrangements or other relevant factors.

51. CHANGES TO THESE TERMS

We may update these Terms where reasonably necessary because of changes to NubiBooks, applicable law, regulatory requirements, banking arrangements, security requirements or our commercial operations.

Where a change is material, we may provide notice through the application, website, email or another appropriate channel.

The effective date shown at the beginning of these Terms indicates the current version.

Where a new version requires acceptance, NubiBooks may require existing and new Users to accept the current Terms before continuing to use the Service.

Where applicable law requires specific consent to a particular change, we will obtain that consent.

52. NOTICES

Nubisoft may provide notices electronically through NubiBooks, email, SMS or another appropriate communication channel.

You are responsible for maintaining accurate contact details.

A notice sent to the email address or telephone number associated with your account may be treated as properly directed to you, subject to applicable law.

53. COMPLAINTS AND CUSTOMER SUPPORT

If you experience a problem with NubiBooks, you should contact our support team at hello@nubisoft.ng.

We may request information reasonably necessary to identify your account, investigate the issue and protect your information.

Do not send your password, bank PIN, card PIN or one-time banking password to NubiBooks support.

Where a complaint concerns a service provided by an independent bank, payment provider or another regulated third party, we may refer or escalate the matter to the relevant provider where appropriate.

54. DISPUTE RESOLUTION

If a dispute arises concerning these Terms or the use of NubiBooks, the parties should first attempt to resolve the matter in good faith through the NubiBooks support and complaint process.

Nothing in these Terms prevents either party from exercising a right to approach a regulator, court or other competent authority where that right cannot lawfully be restricted.

The parties may agree to use mediation or another appropriate dispute-resolution process before commencing litigation where appropriate.

55. GOVERNING LAW

These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria.

Subject to any mandatory consumer right or statutory dispute mechanism that applies, disputes concerning these Terms will be determined in accordance with Nigerian law by a court or other competent dispute-resolution body having jurisdiction.

56. SEVERABILITY

If any provision of these Terms is held to be invalid, unlawful or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

The invalid provision will be interpreted or modified only to the extent necessary to make it lawful and enforceable where legally permissible.

57. NO WAIVER

If Nubisoft does not immediately enforce a provision of these Terms, that does not mean that Nubisoft has permanently waived the provision or the right to enforce it later.

Any waiver must be considered in light of the particular circumstances in which it was given.

58. ASSIGNMENT

You may not transfer your NubiBooks account or your rights under these Terms to another person without Nubisoft's consent where such consent is reasonably required.

Nubisoft may transfer its rights or obligations as part of a lawful corporate restructuring, merger, acquisition or transfer of the NubiBooks business, subject to applicable law and appropriate protection of Users' rights.

59. ENTIRE AGREEMENT

These Terms, together with the NubiBooks Privacy Policy and any additional terms expressly applicable to a particular service, constitute the agreement governing your use of NubiBooks.

Where a particular service, including a future lending or regulated financial service, has separate terms, those specific terms may apply in addition to these Terms.

If there is a conflict, the specific terms will apply to the particular service to the extent of the conflict.

60. CONTACT INFORMATION

Questions, complaints or notices relating to these Terms may be sent to:

Nubisoft Limited
NubiBooks
RC 9588280
Magodo Phase 2, Lagos, Nigeria
Email: hello@nubisoft.ng

Please provide sufficient information for us to understand and investigate your request.

Nubisoft Limited
RC 9588280
Magodo Phase 2, Lagos, Nigeria

Effective Date: 23 September 2026