Terms and Conditions

“Account” means an approved account used to access the Platform. “Agent” means a person or entity authorised to facilitate Services. “API Client” means a customer approved to integrate Identro APIs or SDKs. “Business Customer” includes a Merchant, Integration Partner, Service Partner, bank, fintech, lender or other organisation using the Services.

“Customer Data” means information submitted by or for a customer, including Personal Data. “Digital Services” includes airtime, data, electricity, cable television, examination products and other third-party value-added services. “Identro”, “we”, “us” or “our” means Syrol Technologies Limited trading through the Identro product.

“Merchant-Funded Model” means the operating model under which a Service Partner maintains an Operational Wallet from which Identro charges are paid, while customer collections may settle to the Merchant through an approved payment-provider arrangement. “User-Funded Model” means the operating model under which an end user funds an eligible User Wallet and applicable charges and commissions are settled from the transaction.

“Valid Verification Outcome” means a response produced after a request has been processed by Identro or an underlying provider, including a verified, matched, not-found, no-match, unverifiable, duplicate, conflict or other business-level outcome. It excludes a request that fails before a valid outcome is produced solely because of an internal technical failure, subject to the applicable service rules.

“Wallet” means a ledger maintained on the Platform for permitted service payments, commissions, customer ledger entries or settlement reconciliation. It is not a bank account, deposit account, investment, savings product or interest-bearing instrument.

Users must be at least 18 years old and legally capable of entering a binding contract. A person using the Platform for an organisation represents that they are authorised to bind that organisation. Identro may reject, condition or defer onboarding where verification, risk, documentation or regulatory requirements are not satisfied.

These Terms incorporate the Privacy Policy, Data Protection Policy, applicable Data Processing Addendum, pricing schedule, service-level terms, API documentation, acceptable-use requirements and service-specific notices. Where a signed enterprise agreement conflicts with these Terms, the signed agreement prevails for that customer to the extent of the conflict.

Customers shall provide accurate, complete and current information and shall promptly update material changes. Identro may conduct KYC, KYB, sanctions, anti-money-laundering, fraud, credit-risk, beneficial-ownership, identity, business and other lawful checks.

Identro may request additional documents, re-verify information, review account activity, apply limits, or suspend features to manage legal, operational, security, credit, settlement or reputational risk.

• Customers must not impersonate another person or organisation.
• Customers are responsible for users, staff, agents and integrations operating under their Account.
• Approval of an Account does not guarantee approval for every Service or production API access.

Identro may provide Integration Partner, Service Partner, Agent, administrative or other Account types. Features are determined by role, scope, approval status and configuration.

Integration Partners principally use APIs, SDKs and related enterprise functions. Service Partners may sell or facilitate eligible Services through the dashboard, APIs, agents or other approved channels. Service Partners may be configured under the Merchant-Funded Model or User-Funded Model.

An operating model becomes effective only after approval and technical activation by Identro. A requested change may be delayed until outstanding transactions, wallet reservations, commissions, settlements, reversals and reconciliations are completed. Identro may restrict or suspend an operating model where required to protect users, merchants, providers or the Platform.

Customers are responsible for passwords, transaction PINs, OTPs, API keys, webhook secrets, access tokens, IP allowlists and connected systems. Credentials must not be placed in public client-side code unless Identro expressly approves the integration method.

Activity performed using valid credentials may be treated as authorised until Identro receives notice of compromise and has had a reasonable opportunity to act. Identro may rotate, revoke, restrict or disable credentials and sessions where it reasonably identifies risk.

Before submitting Personal Data, the customer shall have a documented lawful basis and shall provide all required privacy notices. Where consent is required, the customer must obtain and retain demonstrable consent before submission and provide evidence on request.

Customers remain responsible for the legality, fairness, accuracy and purpose of submitted data; their own customer communications; regulatory permissions; final decisions; and compliance with applicable consumer, privacy, financial-crime, credit, employment and sector-specific laws.

• No identity theft, impersonation, unlawful surveillance or discriminatory profiling.
• No credential sharing, scraping, reverse engineering, malicious code, denial-of-service activity or bypass of access, billing or rate controls.
• No submission of stolen, fabricated, misleading or unlawfully obtained information.
• No use of verification results as the sole basis for an unlawful or unfair adverse decision.

Identro may provide identity, BVN, NIN, driver’s licence, voter-card, address, business, CAC, TIN, biometric, face-match, liveness, AML, sanctions, watchlist, fraud, risk-scoring, credit and loan decision-support Services. Results reflect data and provider availability at the time of processing.

Identro does not create or control records maintained by government agencies, banks, bureaux, registries or other providers. Results are indicators and workflow outputs, not legal, financial, tax, credit or regulatory advice. Unless expressly agreed in writing, the requesting customer remains the final decision-maker and must apply appropriate human review, fairness, explainability and appeal processes where required by law.

Identro may decline, delay, queue, reprocess, manually review or require further information for a request. A successful technical response does not guarantee that the subject is eligible for the customer’s product or that the underlying record is free from error.

Unless a pricing schedule states otherwise, each Valid Verification Outcome is billable when produced. A request may therefore be charged even where the result is not found, no match, unverifiable, duplicate, conflict, declined or otherwise different from the customer’s expected outcome.

No charge ordinarily applies where Identro determines that a request failed solely because of an internal technical failure before a Valid Verification Outcome was produced. Provider timeouts, delayed responses and uncertain outcomes may remain pending until reconciliation. Identro’s ledger and provider records will be used to determine the final billing status, subject to a good-faith dispute supported by relevant evidence.

Customers shall use idempotency controls where supported. Repeated requests, changed request data or use of a new idempotency key may be treated as separate billable requests.

Wallets are restricted Platform ledgers and do not constitute deposit-taking by Identro. Funds may be received and processed through licensed banks, payment-service providers or other approved partners. Identro does not guarantee that every funding method will always be available.

Operational Wallet funds are designated to pay Identro charges and related permitted fees. Commission Wallets record approved commissions or earnings. User Wallets record eligible user funds under the applicable operating model. Settlement Clearing entries are reconciliation records and are not withdrawable customer balances.

Identro may prescribe minimum funding amounts, low-balance thresholds and restriction thresholds in the dashboard or pricing schedule. When the Operational Wallet reaches a restriction threshold, new paid transactions may be blocked while login, funding, reporting and other non-paid functions remain available.

Successful external wallet funding may attract a channel-based funding charge disclosed before payment. The charge is deducted from the amount received and the remaining amount is credited to the Wallet. Successful withdrawals may attract a disclosed withdrawal charge that is added to the Wallet debit. Failed payments, failed withdrawals, reversals, refunds, internal Wallet movements, commission credits and administrative corrections are not charged as external funding or withdrawal transactions.

Balances do not earn interest. Identro may correct manifest ledger errors, reverse duplicate credits, place temporary holds, set off undisputed amounts due, and recover negative balances from later funding, commissions or settlements to the extent permitted by law and contract.

Under the Merchant-Funded Model, the Merchant maintains sufficient Operational Wallet balance to pay Identro charges. The Merchant may set a customer-facing selling price subject to applicable law and Platform controls, and may retain the difference between the selling price and Identro’s charge where configured.

Customer collections may be routed through a payment-provider subaccount or other approved arrangement to the Merchant’s nominated settlement account. Such collections do not automatically credit the Merchant’s Operational Wallet. The Merchant is responsible for its relationship with end users, safeguarding and use of customer funds, customer refunds, disclosures, pricing, regulatory permissions and reconciliation of its settlement account.

Identro may provide settlement and reconciliation records but does not guarantee the timing of provider payouts. Provider fees, chargebacks, reversals, bank failures, incorrect account details or regulatory holds may reduce, delay or reverse settlement.

Under the User-Funded Model, eligible users fund a User Wallet or approved payment channel. On a successful transaction, the applicable service price is settled from the user transaction, Identro’s charge is recognised, and any configured Merchant commission may be credited to a Commission Wallet.

Commission availability may depend on provider confirmation, settlement, fraud review and reversal periods. Identro may reverse or withhold a commission where the underlying transaction is reversed, duplicated, charged back, fraudulent, cancelled or otherwise invalid.

Funding and settlement are subject to provider rules, banking hours, compliance checks, transaction limits, fees and availability. The customer is responsible for accurate funding references, settlement-account details and beneficiary information.

Refunds and reversals are not automatic. Identro will process them where required by law, confirmed by the relevant provider, or approved under the applicable service rules. A pending transaction is not a failed transaction. Identro may wait for provider reconciliation before crediting or reversing value.

Chargebacks, disputed payments, duplicate credits, erroneous payments, provider adjustments and fraudulent funding may be debited from the relevant Wallet, commission or settlement amount. The customer shall promptly provide evidence reasonably required to investigate a dispute.

Digital Services are supplied through third-party providers. The customer must verify telephone numbers, meter numbers, smart-card details, examination details and other recipient information before confirmation. Successfully delivered airtime, data, electricity tokens, cable value, pins, vouchers or similar digital value may be non-refundable.

Provider delay or a pending status does not by itself establish failure. A reversal will be made only after Identro or the provider confirms that value was not delivered or where otherwise required by law. Product-specific terms displayed before purchase also apply.

Identro grants approved customers a limited, revocable, non-exclusive, non-transferable licence to use authorised APIs and SDKs for approved internal or customer-facing integrations. Customers shall comply with documentation, rate limits, IP controls, authentication requirements and security instructions.

Identro may version, modify, deprecate or discontinue APIs or SDKs. Where reasonably practicable, material breaking changes to supported production interfaces will be notified in advance. Identro may immediately restrict abusive, insecure or non-compliant traffic.

The Platform, software, APIs, SDKs, documentation, interfaces, designs, trademarks, workflows and associated intellectual property are owned by or licensed to Syrol Technologies Limited. No ownership transfers to the customer.

Customer Data remains the customer’s or relevant data subject’s data. Identro receives only the rights necessary to process it under the agreement and applicable law. Feedback may be used without restriction or compensation, provided Identro does not disclose the customer’s Confidential Information.

Each party shall comply with applicable data-protection law. Where Identro processes Personal Data on behalf of a Business Customer, the Data Processing Addendum applies. Identro may separately act as an independent controller for account administration, security, fraud prevention, billing, audit, legal compliance, service integrity and dispute management.

Each party shall protect Confidential Information using reasonable care and disclose it only to persons with a need to know and appropriate obligations, or where legally required. Confidentiality obligations survive for five years after termination, while trade secrets and Personal Data remain protected for as long as required by law or their nature.

Services depend on registries, banks, payment processors, telecommunications, cloud providers, verification partners and other systems outside Identro’s control. Identro will use commercially reasonable efforts but does not guarantee uninterrupted availability, error-free operation or continuous accuracy of third-party data.

Identro may perform maintenance, deploy security changes, limit traffic, suspend a provider or use an alternative provider. Service-level commitments apply only where expressly stated in a signed agreement.

Identro may suspend, restrict or terminate an Account, Service, Wallet capability, settlement, API key or transaction where reasonably necessary because of breach, non-payment, insufficient balance, fraud, security risk, regulatory direction, illegal activity, provider action, sanctions exposure, misrepresentation or material operational risk.

Where lawful and practicable, Identro will explain the reason and provide an opportunity to remedy. Immediate action may be taken where delay could increase harm. Termination does not affect accrued fees, chargebacks, indemnities, confidentiality, data retention or other surviving obligations.

Complaints should first be submitted to support@identro.ng or info@identro.ng with relevant references and evidence. Identro will acknowledge and investigate complaints within a reasonable period and in accordance with applicable law and provider dependencies.

Nothing in these Terms removes a consumer’s right to approach a competent regulator or court. Business Customers remain responsible for handling complaints arising from their own products, pricing, customer relationship, final decisions and settlement obligations.

To the extent permitted by law, the Platform is provided “as is” and “as available”. Identro does not warrant that results are complete, current or suitable for every purpose; that third-party systems will remain available; or that reasonable security controls will prevent every incident.

Identro does not provide legal, financial, investment, tax or regulatory advice and does not guarantee approval, creditworthiness, identity ownership or absence of fraud merely because a check returns a positive result.

To the fullest extent permitted by applicable law, Identro’s aggregate liability arising from a particular event or related series of events shall not exceed the fees paid to Identro for the affected Services during the three months preceding the event, or the higher amount expressly stated in a signed enterprise agreement.

Identro shall not be liable for indirect, consequential, exemplary or special loss; loss of profit, revenue, opportunity, goodwill or anticipated savings; customer decisions; incorrect data supplied by the customer or third parties; provider outages; or credential compromise caused by the customer.

Nothing excludes liability that cannot lawfully be excluded, including liability for fraud or fraudulent misrepresentation. This clause is subject to mandatory consumer rights under the Federal Competition and Consumer Protection Act and other applicable law.

The customer shall indemnify Syrol Technologies Limited, its officers, staff and contractors against third-party claims, regulatory penalties, losses and reasonable legal costs arising from the customer’s unlawful use, lack of consent or lawful basis, false submissions, breach of these Terms, infringement, regulatory non-compliance, customer pricing or settlement obligations, or acts of its personnel and agents, except to the extent caused by Identro’s proven breach, fraud or wilful misconduct.

Identro may update these Terms for legal, security, provider, product or operational reasons. Material changes will be notified through the Platform, email or another reasonable channel before they take effect where practicable.

The customer may not assign the agreement without prior written consent. Identro may assign or novate it as part of a restructuring, financing, sale or transfer of the Identro business, provided mandatory customer rights are not materially reduced.

Neither party is liable for delay caused by events beyond reasonable control, including government action, registry outage, widespread network failure, cyberattack, disaster, conflict, epidemic, labour disruption or payment-system failure, provided reasonable mitigation is undertaken.

These Terms are governed by the laws of the Federal Republic of Nigeria. The parties shall first attempt good-faith resolution. If unresolved within 30 days after written notice, either party may commence proceedings before a court of competent jurisdiction in Nigeria. Either party may seek urgent interim relief at any time.

If a provision is invalid, it shall be modified or severed to the minimum extent necessary. Failure to enforce a right is not a waiver. Electronic notices and records satisfy writing requirements where permitted by law. These Terms and incorporated documents form the entire agreement for the relevant Services unless replaced by a signed agreement.

Legal and support enquiries: info@identro.ng. Security incidents: security@identro.ng. Website: www.identro.ng. Registered operator: Syrol Technologies Limited, Ihesiaba Court, Ishaya Shekari Crescent, Gwarinpa, Abuja, FCT, Nigeria.