Terms of Service

These Terms of Service (“Terms”) govern access to and use of LumiID, an identity verification and fraud intelligence platform operated by OmniNile Systems Limited (“LumiID,” “OmniNile,” “we,” “our,” or “us”). By creating an account, integrating our API, or otherwise using our website lumiid.com or our services (together, the “Services”), you (“Customer,” “you,” or “your”) agree to be bound by these Terms.

1. Acceptance of Terms and Conditions

By accessing and/or using this Service, you accept and agree to be bound by the terms and provision of this agreement. You also expressly consent to LumiID's collection, storage, use and disclosure of your personal information as described in our Privacy Policy. It is important that you read these Terms carefully. If you do not agree to these Terms, you must not access or use the Service.

These Terms apply to your use of the Service, whether you are a visitor to the Site or are providing or consuming the Services. Further, for example, you may be asked to agree to additional terms when you acquire our Services for use, if needed. Such other terms will govern in the event of a conflict.

1.1 Eligibility

You must be at least 18 years of age, or the age of legal majority in your jurisdiction (if different than 18), to access and use this Site or the Services. For businesses, you must be duly authorized to act on behalf of the legal entity you represent. By accessing and using the Service, you represent and warrant that you have the right, authority, and capacity to enter into these Terms and to abide by all of the terms and conditions set forth herein. The Service is not available to any users previously removed from the Service by LumiID.

1.3 Access, Security and Restrictions of Use of the Site and Services

License to Use the Service

Subject to the terms and conditions of this Agreement, OmniNile Systems Limited (“OmniNile”), the provider of LumiID (“LumiID”, “we”, “us”, or “our”), grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the LumiID platform, APIs, software, documentation, and related services (collectively, the “Service”) solely for your authorized business purposes. You agree to access and use the Service only for lawful purposes and in compliance with this Agreement and all applicable laws, regulations, and industry requirements.

Prohibited Uses

You must not use the Service:

• In any manner that violates any applicable local, national, or international law, regulation, or regulatory requirement.
• To exploit, harm, or attempt to harm minors, including by exposing them to inappropriate or harmful content.
• To transmit, distribute, or procure the sending of unsolicited advertising, promotional materials, spam, chain letters, or similar communications through the Service.
• To impersonate or attempt to impersonate LumiID, OmniNile, any LumiID employee or representative, another user, or any other person or entity.

You also agree not to:

• To engage in fraudulent, deceptive, unlawful, threatening, abusive, or harmful activities.
• To infringe, misappropriate, or otherwise violate the intellectual property, privacy, security, or other rights of LumiID, OmniNile, our users, or any third party.
• To use the Service for any purpose that could reasonably expose LumiID, OmniNile, our partners, customers, or users to legal, regulatory, financial, or reputational liability.
• To interfere with, restrict, or inhibit another person's ability to access or use the Service.

Prohibited Technical Activities

You also agree not to:

• To use the Service in a manner that could disable, overburden, disrupt, damage, or impair the Service or interfere with its availability, performance, or security.
• To attempt to gain unauthorized access to the Service, its underlying systems, infrastructure, networks, accounts, or data.
• To use robots, spiders, crawlers, scraping tools, automated scripts, or other automated means to access or collect information from the Service, except where expressly permitted by LumiID's documentation or written authorization.
• To use manual or automated methods to monitor, copy, reproduce, extract, or distribute content, data, documentation, or other materials from the Service for unauthorized purposes.
• To introduce or transmit viruses, malware, ransomware, trojan horses, worms, logic bombs, or any other malicious or technologically harmful code or material.

You also agree not to:

• To attempt to bypass, disable, circumvent, or interfere with any security, authentication, rate-limiting, access-control, or other protective measures implemented by LumiID.
• To reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, algorithms, or underlying technology of the Service, except to the extent expressly permitted by applicable law.

2. Definitions

• •"API" means LumiID's application programming interfaces, SDKs, developer console, and related documentation made available to Customer.
• •"Data Subject" means the individual or business whose identity, document, or biometric information is submitted for verification.
• •"Verification Result" means the output returned by the Services in response to a query, including match status, risk scores, and fraud signals.
• •"Third-Party Data Source" means a government registry, credit bureau, telecommunications provider, or other external source LumiID queries to produce a Verification Result.
• •"Customer Data" means data Customer or its end users submit to the Services, excluding Verification Results generated by LumiID.

3. Services Overview

4. Accounts & API Access

• Account holders and authorized signatories must be 18 years or older and, where acting for a business, duly authorized to bind that business.
• You are responsible for the confidentiality of your account credentials, API keys, and secrets, and for all activity conducted under them.
• You must provide accurate, complete registration and KYB information, and notify us promptly of any suspected unauthorized use of your credentials.
• We grant you a limited, non-exclusive, non-transferable right to access and use the API solely to integrate verification and fraud-intelligence functionality into your own applications during your subscription term.

5. Acceptable Use

You strictly agree not to:

6. Data Sources & Accuracy

Verification Results are produced using Third-Party Data Sources, statistical models, and fraud-signal analysis. While LumiID takes commercially reasonable steps to maintain data quality, we do not guarantee the completeness, accuracy, or availability of any Third-Party Data Source, and outages or inaccuracies originating from those sources are outside our control. Verification Results and fraud/risk scores are decision-support tools, not a substitute for your own compliance judgment, and final onboarding, lending, or transaction decisions remain your responsibility.

7. Customer Obligations

• •You are responsible for obtaining valid, informed consent from each Data Subject before submitting their information for verification, in accordance with the NDPA/NDPR and any other applicable law.
• •You must provide Data Subjects with any notices required by law regarding how their information will be processed by LumiID on your behalf.
• •You remain solely responsible for your own compliance with KYC, AML/CFT, and sector-specific regulatory obligations; LumiID's Services support, but do not replace, that compliance program.

8. Ownership and Reservation of Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of LumiID and its licensors. The Service is protected by copyright, trademark, and other applicable laws in Nigeria and other jurisdictions.

Unless otherwise indicated, the Site, Services, and all related content and materials—including the LumiID logo, designs, text, graphics, images, information, data, software, and other files, as well as their selection and arrangement (collectively, “LumiID Materials”)—are the proprietary property of LumiID, its licensors, or users and are protected by applicable intellectual property laws.

LumiID’s trademarks, logos, and trade dress may not be used in connection with any product or service without the prior written consent of LumiID.

9. Payments & Fees

Some parts of the Service are billed on a subscription or pay-per-use basis ("Subscription(s)").
You will be billed in advance on a recurring and periodic basis ("Billing Cycle"). Billing cycles are set either on a monthly or annual basis, depending on the type of subscription plan you select when purchasing a Subscription.
At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or LumiID cancels it.
You may cancel your Subscription renewal either through your online account management page or by contacting LumiID customer support team.
A valid payment method, including credit card or other payment methods accepted by LumiID, is required to process the payment for your Subscription. You shall provide LumiID with accurate and complete billing information including full name, address, state, zip code, telephone number, and valid payment method information.

10. Confidentiality

Each party agrees to protect the other's non-public business, technical, and platform information with the same degree of care it uses for its own confidential information, and not to disclose it except to personnel, advisors, or subcontractors who need it to perform under these Terms. Confidentiality obligations survive termination of these Terms.

11. Data Protection

LumiID processes personal data in accordance with our Privacy Policy and applicable data protection law, including the NDPA/NDPR. Where LumiID processes Data Subject information on Customer's behalf, LumiID acts as a data processor and Customer as data controller, and each party will cooperate in good faith to satisfy applicable data-processing requirements, including entering into a data processing agreement where required.

12. Service Availability

We aim to keep the Services available on a continuous basis but do not guarantee uninterrupted or error-free operation. Scheduled maintenance, upstream provider outages, or events outside our reasonable control may temporarily affect availability. Any specific uptime or support commitments apply only where set out in a separate written service-level agreement with Customer.

13. Warranties & Disclaimers

Except as expressly stated in these Terms, the Services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that Verification Results will be error-free or that they will detect or prevent every instance of fraud.

14. Indemnification

You agree to indemnify and hold LumiID and OmniNile Systems Limited harmless from any claims, damages, or expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your failure to obtain required Data Subject consents.

16. Term & Termination

These Terms remain in effect while you use the Services. You may close your account at any time. We may suspend or terminate access, with or without notice, if you materially breach these Terms, misuse the Services, fail to pay outstanding fees, or where required to comply with applicable law or a regulator's directive. Upon termination, outstanding fees remain due and Sections 8, 10, 14, 15, and 19 survive.

17. Compliance with Laws

You agree to use the Services in compliance with all applicable laws, including anti-money laundering, counter-terrorism financing, sanctions, and data protection regulations in the jurisdictions in which you operate.

18. Force Majeure

Neither party is liable for delay or failure to perform obligations under these Terms resulting from causes beyond its reasonable control, including natural disasters, internet or power outages, government action, or failures of Third-Party Data Sources.

19. Governing Law & Disputes

These Terms are governed by the laws of the Federal Republic of Nigeria. The parties will first attempt to resolve any dispute through good-faith negotiation; unresolved disputes are subject to the exclusive jurisdiction of the courts of Nigeria.

20. Changes to These Terms

We may update these Terms from time to time. Material changes will be notified by email or in-product notice at least fourteen (14) days before taking effect. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.