Terms of Service.

Last Updated: February 2026

Welcome to ConverseIQ Finance Limited. By using our WhatsApp banking services, you agree to these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using ConverseIQ's services, you agree to be bound by these terms. These terms govern your use of our platform, including any AI-driven financial advice or transaction processing performed via WhatsApp. If you do not agree, please do not use our services.

2. Eligibility & Registration

To use ConverseIQ, you must:

  • • Be at least 18 years of age.
  • • Possess a valid Nigerian phone number registered with WhatsApp.
  • • Provide accurate and verifiable identification (BVN/NIN).

3. Use of Service & Restrictions

You agree to use our services in compliance with all applicable laws and regulations. You are prohibited from:

  • Using the platform for any fraudulent or illegal activity.
  • Attempting to bypass security protocols or reverse-engineer our AI models.
  • Providing false or misleading information during the onboarding process.
  • Sharing your account verification details with third parties.

4. Liability & Disclaimers

While our AI provides financial insights, it is not a substitute for professional financial advice. ConverseIQ Finance Limited is not liable for any losses incurred due to user error or unauthorized access to your WhatsApp account.

ConverseIQ Finance Limited. Providing intelligent financial connectivity for the modern era.