These terms are the agreement between you and Digitizers Ltd (“Digitizer”, “we”, “us”) for using the Digitizer app and website. By creating an account you agree to them and to our Privacy Policy. If you do not agree, do not use Digitizer.
1. What Digitizer is
Digitizer is a social app with money built in. You can post and message, follow people, send and receive money, pay bills, save towards goals and run giveaways.
Digitizer is not a bank. Your account and the money in it are held by our banking partner, Wema Bank Plc, under Wema Bank’s own terms, which you also accept when your account is opened. We provide the app you use to access that account.
2. Who can use Digitizer
You must:
- be at least 18 years old;
- be able to enter a binding contract under Nigerian law;
- give us true, current information about yourself, including your real name;
- not have been banned from Digitizer before.
You may only have one Digitizer account, and it is for your own personal use.
3. Your account and its security
- You are responsible for everything done with your account. Keep your password, your transaction PIN and your phone safe, and never share your PIN or the codes we email you, even with someone who says they work for Digitizer.
- Tell us straight away at contact@digitizersltd.com if you think someone else has used your account.
- Several wrong PINs lock PIN entry for a while. If you reset a forgotten PIN, outgoing money is paused for 24 hours to protect you.
- Once your bank account is open, your legal name is the one verified by Wema Bank and cannot be changed in the app.
4. Verification and limits
To hold and move money you must complete identity verification (KYC), starting with your Bank Verification Number. How much you can hold and send each day depends on your verification tier. The limits that apply to you are shown in the app. We or Wema Bank may ask for more information at any time, and may refuse, limit or close an account if verification fails or the law requires it.
5. Moving money
- Check before you send. The app shows the name on the recipient’s bank account before you confirm. Transfers are instant and usually cannot be reversed once completed, so make sure you are sending to the right person.
- Fees are shown before you confirm. If there is no fee shown, there is none.
- Unclear results. Occasionally the bank or a provider does not confirm a payment straight away. The app will say so. Check your History before trying again; we will tell you as soon as we know the outcome, and money for a payment that fails is returned to your wallet.
- Bills (airtime, data, cable TV, electricity) are supplied by third-party providers. We pass your payment to them. If a provider fails to deliver, we refund you. We are not responsible for the provider’s service itself, such as a network outage.
- Savings goals are a way of setting money aside inside your account. Goal money stays yours and in your Wema Bank account. Goals do not earn interest. Money in a shared goal is never pooled: each member can only withdraw what they put in.
- We may delay, refuse or reverse a payment if we reasonably suspect fraud, an error or a breach of these terms, or if the law or Wema Bank requires it.
6. Giveaways
- A host funds a giveaway from their own wallet before it goes live. Winners are picked at random from eligible replies to the host’s post on X.
- The host is responsible for the giveaway’s description and for following X’s rules and any law that applies to their promotion.
- A winner who does not complete the steps to receive their prize within 7 days forfeits it, and the money goes back to the host.
- We may cancel a giveaway that breaks these terms. Any undistributed money is returned to the host.
7. Your content
- You own what you post. You give us a worldwide, non-exclusive, royalty-free licence to host, store, display and share it within Digitizer so the service works. This ends when you delete it, except for copies others have already shared or that we must keep by law.
- You must have the right to post what you post.
8. What you must not do
Do not use Digitizer to:
- break the law, launder money, finance terrorism or commit fraud;
- impersonate anyone or create accounts for someone else;
- harass, threaten or bully anyone, or post hate speech;
- post sexual content involving minors (we report it to the authorities), sexually explicit content, graphic violence or gore;
- spam, scam or run pyramid schemes;
- interfere with, reverse-engineer or overload the service, or access it other than through our app and website;
- get around a ban, a limit or a lockout.
You can report users and content in the app. We review reports and may remove content, restrict features, or suspend or ban accounts that break these terms.
9. Closing your account
You can close your account from the app or by emailing us. Before closing you must withdraw your money and have no payment still in progress. Your account is hidden straight away, and you can restore it by signing in within 30 days. After that, it is closed for good, as described in our Privacy Policy.
We may suspend or close your account if you break these terms, if the law or Wema Bank requires it, or if we stop offering Digitizer. Unless the law prevents it, we will tell you and let you withdraw your money.
10. Our responsibility to you
- We work to keep Digitizer available and accurate, but it is provided “as is”. We do not promise it will always be available or error-free.
- We are not responsible for losses caused by things outside our reasonable control, such as bank or network outages, by you sharing your password, PIN or codes, or by payments you send to the wrong person.
- To the extent the law allows, our total liability to you for any claim is limited to the fees you paid us in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer.
11. Changes
We may change these terms as Digitizer changes. If a change is significant, we will tell you in the app before it takes effect. If you keep using Digitizer after that, you accept the new terms. If you do not, you can close your account.
12. Law and disputes
These terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, contact us first and we will try to resolve it. Any dispute we cannot resolve together will be decided by the courts of Nigeria.
13. Contact
Digitizers Ltd
Email: contact@digitizersltd.com