Terms of Service

These terms govern your use of the Tiki website, mobile application and services in Nigeria. Tiki Services here are provided by CapitalSage Finance Limited, licensed by the Central Bank of Nigeria.

You must be at least 18 years old to open a Tiki account or use these services.

By creating an account or sending a transfer you accept these terms and our Privacy Policy.

You must give accurate information when you register and keep it up to date. We are required to verify your identity before you can send money, and we may ask for further information at any time to meet our legal obligations.

Your account is personal to you. Keep your PIN and login details secure and tell us immediately if you believe someone else has gained access.

We may suspend or close an account where we are required to by law, where we suspect fraud or misuse, or where you breach these terms.

Before you confirm a transfer we show you the exchange rate, any fee, the amount we will convert and the amount your recipient will receive. That rate is locked when you confirm.

It is your responsibility to check the recipient's details before confirming. We cannot recover funds sent to details you entered incorrectly, though we will make reasonable efforts to help.

Transfer limits depend on your verification level and are shown in the app before you confirm.

You can cancel a transfer while it is still pending. Once funds have been paid out to your recipient a transfer cannot be reversed.

Failed transfers are refunded automatically to your Tiki balance. If you do not see a refund within 24 hours, contact us.

We provide the Tiki service with reasonable care and skill, but we are not liable for delays caused by third parties such as banks or mobile-money providers, or for losses that were not reasonably foreseeable.

Nothing in these terms limits our liability for fraud, or for anything that cannot lawfully be excluded.

We may update these terms. Where a change materially affects you we will tell you in advance through the app or by email.

Questions about these terms can be sent to support@tikibycapitalsage.com.