Terms of Service

• You must provide accurate information and keep it up to date.
• You are responsible for keeping your login credentials and transaction PIN secure, and for activity carried out under your account.
• You must be at least 18 years old to use Residium.
• Tell us promptly if you suspect unauthorised access to your account.

Residium provides tools to run estates and personal finances — including resident and property records, fee management, compliance-linked access control, payments, wallets, and bill automation. We may add, change, or remove features over time.

Estate registrations are reviewed before approval. We may decline or revoke a registration where information cannot be verified or where use breaches these terms.

• Payments and wallets are processed by Nomba, a payment service provider licensed and regulated by the Central Bank of Nigeria (CBN).
• You authorise Residium to carry out the payments and automations you set up, using funds in your wallet or a payment method you provide.
• Residium may charge a fee on certain transactions. Applicable fees are shown before you confirm.
• You are responsible for funding your wallet. If a scheduled automation cannot be funded, it is paused and you are notified.
• Estate dues, levies, and shared-expense decisions are set by your estate's administrators — not by Residium.

You agree not to:

• Use Residium for any unlawful, fraudulent, or harmful purpose.
• Upload false, misleading, or infringing information.
• Attempt to disrupt, reverse-engineer, or gain unauthorised access to the platform.
• Use another person's account or misuse access granted to you.

Where you administer an estate, you are responsible for the accuracy of the estate's records and for the policies you configure (such as which fees are enforced at the gate). Residents are responsible for their own fee obligations and for the accuracy of their personal details.

We work to keep Residium available and reliable, but the service is provided on an “as is” and “as available” basis. We may occasionally suspend access for maintenance, updates, or reasons outside our control.

To the fullest extent permitted by Nigerian law, Residium is not liable for indirect or consequential losses, or for losses arising from your misuse of the platform, inaccurate information you provide, or the acts of third parties (including payment providers and your estate's administrators).

You may stop using Residium at any time. We may suspend or terminate access if you breach these terms, if required by law, or to protect the platform and its users. Certain records may be retained after termination as described in our Privacy Policy.

These terms are governed by the laws of the Federal Republic of Nigeria, and any dispute will be subject to the jurisdiction of the Nigerian courts.

We may update these terms from time to time. When we make material changes, we will update the date above and, where appropriate, notify you in the app or by email. Continuing to use Residium after changes take effect means you accept the updated terms.

Questions about these terms? Reach us at support@residium.io or through our contact page.