EFFECTIVE AT COMMERCIAL LAUNCH · DRAFT 30 AUGUST 2026

Clear rules for conversations with value.

This consolidated draft is written for CudiChat Version 1 and must receive Nigerian legal and data-protection review before accepting real users or money.

TERMS

Terms of Service

1. Agreement

These Terms govern your access to CudiChat, a private paid-response communication service operated by Amanovations International. By creating an account or using CudiChat, you confirm that you understand and accept these Terms, the Privacy Notice, Community Standards and Payment Terms.

2. Eligibility and accounts

You must be at least 18 years old and legally capable of entering a contract. Register with accurate information, keep your credentials and authentication factors secure, and use only one personal account unless CudiChat gives written permission. You are responsible for activity performed through your account until you report unauthorized access.

3. Connections and communication

CudiChat does not provide a public phone-number directory. Users connect through Cudi Codes and approved requests. You may not scrape contacts, send unsolicited bulk requests, impersonate another person, harass users or evade a block, restriction or ban.

4. Paid responses

A sender authorizes the displayed response price when submitting a paid request. Text responses qualify only when they contain at least 150 words and stay within the universal 350-word limit. Audio responses qualify only when at least 2 minutes long and no longer than 5 minutes. Artificial padding, copied material, silence, loops or irrelevant content do not qualify. A qualifying responder receives 70% and CudiChat retains 30%.

5. Status and advertising

Status videos may be up to 5 minutes, expire from view after 12 hours and are scheduled for server deletion within 7 days, subject to legal preservation or active safety investigation. Private statuses are limited to accepted contacts; Public statuses may be discovered by every CudiChat user through interest channels. Viewing is not anonymous: the author can see the viewer's display identity and viewing time. Ads must be clearly labelled, lawful and accurate.

6. Enforcement

We may warn, restrict features, freeze withdrawals, suspend or permanently ban an account to protect users, comply with law, investigate fraud or enforce these Terms. Material decisions will include a reason where legally permitted and may be appealed through Support. We do not need to decrypt private messages to act on account metadata or material deliberately submitted in a report.

7. Service and liability

CudiChat is provided on an as-available basis. We do not guarantee uninterrupted delivery, income, response quality or that every paid request will receive a reply. To the maximum extent permitted by law, indirect or consequential losses are excluded. Nothing in these Terms removes rights that cannot legally be excluded.

8. Changes and governing law

Material changes will be announced before taking effect where required. Continued use after the effective date means acceptance. These Terms are governed by the laws of the Federal Republic of Nigeria, without preventing users from relying on mandatory consumer rights in their location.

PRIVACY

Privacy Notice

What we collect

Account details such as name, phone number, email, age confirmation, user ID and profile information; verification submissions; payment, balance and transaction records; device identifiers, operating system, browser, app version, IP history and approximate location; login, linked-device, security and support events; contacts you approve inside CudiChat; status audience, interest channel, viewing, interaction and advertising records. Your device address book is not uploaded unless a future feature clearly asks for separate permission.

Status visibility and insights

When you view a Private or Public status, the author can see your display name, profile photo, verification state, contact/public relationship and viewing time. A status view is not anonymous. Authors may also receive aggregated age-band, audience, country, Nigerian state or region, completion and views-over-time analytics. We do not expose a viewer's phone number, exact birth date, IP address or precise location through status insights.

Camera-protected chats

Private chat requires express camera permission under the current Camera Protection Policy. The policy is accepted once per device and requested again only when permission is reset, the device changes or the policy materially changes. While chat is open, the operating system shows its camera indicator. The live feed remains on the device and is not recorded, uploaded, shared with the other participant or used for advertising. Leaving chat stops camera access.

Encrypted communications

Private chat messages and voice notes are designed to be end-to-end encrypted. CudiChat administrators must not possess the keys needed to decrypt them. We may receive unencrypted content only when a participant deliberately reports and submits that specific content, or where limited technical metadata is necessary to operate the service.

Why we process data

To create and secure accounts; deliver private statuses to accepted contacts and public statuses to all CudiChat users; provide messaging, connections, advertising and payment functions; verify identity; process account funding, paid responses and withdrawals; detect account takeover, fraud and abuse; provide support; comply with financial, tax, legal and regulatory duties; improve reliability; and send service or security notices. Where required, processing relies on contract, legal obligation, legitimate interests or consent.

Sharing

We may share only necessary information with hosting, identity, communications, security, analytics and payment providers acting under contract; payment counterparties; professional advisers; regulators, courts or law enforcement where legally required; and a successor in a lawful business transaction. We do not sell private chat content or phone numbers.

Retention

Account, payment, verification, security and audit records are kept only as long as required for the service, disputes, fraud prevention and applicable law. Status content expires after 12 hours and is scheduled for deletion within 7 days. Deleted accounts are erased or anonymized, except records that must be retained for legal, payment, security or dispute purposes. Retention periods will be finalized with compliance counsel before commercial launch.

Your choices and rights

Subject to applicable law, you may request access, correction, deletion, restriction, objection, portability or withdrawal of consent. You may remove linked devices, manage notification choices, block connections and request account deletion in the app or through the public deletion page. You may complain to the Nigeria Data Protection Commission or another competent regulator.

International transfers and security

Service providers may process data outside Nigeria. We will use appropriate contractual and technical safeguards. Security measures include encryption, least-privilege administration, MFA, device linking, risk monitoring, session revocation and audit trails. No system is perfectly secure; confirmed breaches will be handled and notified as required by law.

Children and contact

CudiChat is not intended for anyone under 18. Privacy questions, rights requests and complaints may be submitted through CudiChat Support. A dedicated privacy and data-protection contact address must be published before accepting real users.

COMMUNITY

Community & Safety Standards

Respect and consent

Do not threaten, harass, shame, stalk, sexually exploit, discriminate against or repeatedly contact a person who has declined, blocked or removed you. Never publish another person’s phone number, identity documents, private images or location without permission.

Prohibited activity

No child sexual exploitation, non-consensual intimate content, trafficking, credible threats, terrorism support, fraud, phishing, malware, illegal goods, money laundering, impersonation, extortion, spam, coordinated manipulation or attempts to bypass platform safeguards.

Authentic paid responses

Do not use copied text, meaningless padding, silent recordings, loops or automated spam to trigger payment. AI assistance must not misrepresent professional qualifications or deceive the sender about the origin or quality of a response.

Reporting and review

Users can report an account, connection request, status, ad, payment or specific message they choose to submit. Reports should include a category and context. Safety reviewers see only the submitted evidence and relevant metadata, not unrelated encrypted conversations. Malicious or knowingly false reports may be sanctioned.

PAYMENTS

Payments, Earnings & Withdrawals

Funding and authorization

Account funding is processed through approved payment providers. By confirming a paid request or image upload, you authorize the displayed amount and applicable fees. Every uploaded photo or image is charged at the recipient’s displayed Image Value. CudiChat-provided emojis and expression files are free to send. CudiChat is not a bank, and an available balance is not a bank deposit or savings product.

Revenue share and fees

For each qualifying paid response, the responder receives 70% and CudiChat receives 30%. A 7% withdrawal charge applies to the requested withdrawal amount and covers payment-processing and operational costs. All charges must be displayed before confirmation.

Withdrawal security

Every withdrawal requires both a valid Google Authenticator code and a fresh email verification code. Neither factor can replace the other. New or newly linked devices are subject to a minimum 24-hour withdrawal lock. We may delay a withdrawal for verification, chargeback, fraud, sanctions or legal review.

Disputes and reversals

Users must report payment problems promptly through Support. Fraudulent funding, chargebacks, duplicate settlement, manipulated qualifying content or provider reversals may cause a balance adjustment, temporary hold or account restriction. Records and appeal reasons will be preserved in the audit trail.

Taxes and store billing

Users are responsible for taxes applicable to their earnings. Mobile-store billing treatment must be confirmed before launch because Apple and Google may impose platform-specific rules on digital services, creator payments and external payment methods.

SUPPORT

Reports, Tickets & Appeals

Ticket process

Support tickets receive a unique ID, category, priority, status, assigned reviewer and immutable activity history. We may request additional information but will never ask for your password, full authenticator secret or one-time verification code.

Safety priority

Immediate danger, child safety, credible threats, account takeover and unauthorized withdrawals receive priority handling. CudiChat is not an emergency service; contact local emergency services where immediate assistance is required.

Appeals

Users may appeal restrictions or bans through Support. An appeal should be reviewed by someone other than the original decision-maker where practicable. Repeated appeals without new information may be closed.