Terms of Service

Last updated: 5 October 2026

These terms apply when you use Ọjà AI, including our WhatsApp, voice, SMS and USSD services, our dashboards and this website. By using Ọjà AI, you agree to these terms. If you are using Ọjà AI for a business, you confirm that you are authorised to accept these terms on its behalf.

1. Who we are

2. What Ọjà AI does

Ọjà AI captures retail orders sent through channels such as WhatsApp, phone calls, SMS and USSD, turns them into structured data, and provides demand insights and stockout predictions to retailers, distributors and brand owners.

Ọjà AI is not a distributor or seller of goods. We do not hold inventory, deliver products or take payment for products on behalf of distributors. Any purchase of goods is a contract between the retailer and their distributor or supplier. Price, delivery, quality, returns and payment for those goods are their responsibility, not ours.

3. Who can use Ọjà AI

• You must be at least 18 years old and use Ọjà AI for business purposes.
• You must give us accurate information and keep it up to date.
• You are responsible for anything done through your account or phone number, so keep your login details and devices secure, and tell us promptly if you think someone else is using them.

4. Plans, prices and payment

• Retailers: the core Ọjà AI service is free for retailers. Standard WhatsApp, call, SMS or data charges from your network may still apply.
• Distributors, wholesalers, manufacturers and importers: paid subscriptions. The plan, price and billing period are shown when you subscribe or set out in a quote or order form we agree with you.
• Prices are in Nigerian Naira (₦) and include or add VAT as stated on your invoice.
• Card and bank payments are processed securely by our payment provider, Paystack. We do not see or store your full card details.
• Subscriptions renew automatically at the end of each billing period unless you cancel before the renewal date. You can cancel at any time by emailing [email protected] or messaging us on WhatsApp.
• We will give you at least 30 days’ notice before changing the price of your subscription.
• Refunds are covered by our Refund Policy.

5. Pilot programmes

Some features may be offered as part of a pilot, such as our pharmaceutical retail pilot in Ifo, Ogun State. Pilot features may be free, may change and may be withdrawn at the end of the pilot. We will tell participants before any pilot feature becomes paid.

6. Using Ọjà AI responsibly

You agree not to:

• use Ọjà AI for anything unlawful, including the sale of counterfeit, unregistered or prohibited products;
• send messages that are fraudulent, abusive or misleading, or spam other users;
• try to access other users’ data, interfere with our systems, or copy, resell or reverse-engineer the service; or
• submit personal data about other people unless you have the right to share it.

If you sell regulated products such as medicines, you remain responsible for holding the licences and following the rules that apply to you, including those of NAFDAC and the Pharmacy Council of Nigeria.

7. Your data

• You keep ownership of the order and business data you send us. You give us permission to use it to provide and improve Ọjà AI.
• We may combine data from many users into aggregated, de-identified insights, for example demand trends by product or area, and share those insights with distributors and brand owners. These insights do not identify you or include your private conversations.
• We will only share your order history with a lender if you clearly choose to. Ọjà AI does not lend money, and any finance is provided by the partner under its own terms.
• How we handle personal data is explained in our Privacy Policy.

8. Predictions and insights

Stockout predictions, forecasts and other insights are estimates based on the data available. They can be wrong and are not guarantees. You remain responsible for your own buying, stocking and business decisions. Ọjà AI does not give medical, pharmaceutical, legal or financial advice.

9. Third-party services

Ọjà AI relies on services run by others, such as WhatsApp (Meta), mobile networks, cloud hosting and Paystack. Their own terms apply to your use of them, and we are not responsible for outages or changes on their side.

10. Availability and changes

We work to keep Ọjà AI available and accurate, but we cannot promise it will always be uninterrupted or error-free. We may improve, change or stop features. If we make a change that significantly reduces a paid service, we will tell you in advance, and you may cancel and receive a pro-rata refund for the unused period.

11. Intellectual property

Ọjà AI, its software, models, brand and logo belong to Lyfbuilder Smartpreneur Connect Ltd. These terms give you the right to use the service. They do not transfer any ownership to you.

12. Suspension and ending these terms

• You can stop using Ọjà AI at any time.
• We may suspend or close your access if you seriously or repeatedly break these terms, fail to pay, or if the law requires it. Where reasonable, we will warn you first and give you a chance to fix the problem.
• When access ends, you can ask for a copy of your data, as described in our Privacy Policy.

13. Liability

Nothing in these terms limits liability that cannot be limited under Nigerian law, including for fraud. Otherwise:

• we are not liable for indirect or consequential losses, such as lost profits or lost sales, including losses from relying on a prediction; and
• our total liability to you in any 12-month period is limited to the amount you paid us for Ọjà AI in that period, or ₦50,000 if you use a free plan.

14. Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. If a dispute arises, please contact us first at [email protected] and we will try to resolve it within 30 days. If we cannot, the dispute may be referred to mediation in Lagos and, failing that, to the courts of Lagos State.

15. Changes to these terms

We may update these terms from time to time. We will post the new version on this page and change the “Last updated” date. For significant changes affecting paid subscribers, we will give at least 30 days’ notice by email or WhatsApp.

16. Contact

Questions about these terms? Email [email protected], call or WhatsApp +234 707 862 6432.