Terms of Service.

These Terms of Service (the “Terms”) govern your access to and use of the Ridim platform at www.useridim.app, its subdomains, its short links (/e/, /a/, /r/) and any related applications or APIs (together, the “Services”).

The Services are operated by Ridim Solution Networks Ltd. (RC 9482453), a company registered in Nigeria (“Ridim”, “we”, “us”). By creating an account, funding a wallet, claiming a reward, buying a ticket, joining a game or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Services.

If you are agreeing on behalf of a company, you confirm you are authorised to bind that company, and “you” means that company.

Different people use Ridim for very different reasons, and the Terms treat them differently:

• Campaign Manager — anyone who creates and funds a reward campaign, live game, raffle or loyalty programme.
• Organiser — anyone who publishes an event and sells or issues tickets through Ridim.
• Business Account — a KYB-verified company using payroll, gift vouchers or bulk transfers.
• Recipient — anyone who claims a reward, wins a game, holds a ticket, or redeems a voucher. Recipients generally need no Ridim account.
• Promoter / Ambassador / Referrer — anyone earning commission or credit for driving sales or signups.

Where a section applies only to one of these, it says so.

You must be at least 18 years old and legally capable of entering a contract to hold a Ridim account, fund a wallet, or receive a cash payout. Events may set their own higher age limits, and an Organiser may refuse admission on that basis.

You must not use the Services if you are the subject of sanctions administered by Nigeria, the United Nations, the United States, the United Kingdom or the European Union, or if applicable law otherwise prohibits you from doing so.

The Services are built for Nigeria. Payouts are made to Nigerian bank accounts and Nigerian mobile numbers, and we make no representation that the Services are appropriate or available elsewhere.

You are responsible for the accuracy of the information on your account, for keeping your password and devices secure, and for everything done through your account. Tell us immediately at hello@ridim.com.ng if you believe it has been compromised.

One person or business, one account. Creating additional accounts to evade limits, fees, verification, bans, or referral and contest rules is a breach of these Terms.

Some features require identity verification (KYC) or business verification (KYB). We may ask for documents, and we may limit, suspend or refuse a payout while verification is outstanding or if the information provided cannot be confirmed.

Ridim is a technology platform. We connect Campaign Managers, Organisers, Business Accounts and Recipients to licensed payment processors, mobile network operators and other providers so that money and value can move between them.

Ridim is not a bank, a deposit-taking institution, an insurer, or a licensed financial adviser. We do not lend, we do not take deposits, and we do not pay interest. Payment processing is performed by licensed third parties, and airtime and data are delivered by the relevant network operators through their gateways.

Ridim is not the promoter of your campaign, the host of your event, or the employer of your staff. Where the Services are used to run a campaign, an event, a promotion or a payroll, you are the principal and you are responsible for it — including any licence, permit, tax or regulatory approval it requires.

Your Ridim wallet holds a balance that you have funded, or that has been paid into it by the Services (for example, ticket revenue or an unclaimed campaign budget returning to you).

• A wallet balance is not a bank deposit. It earns no interest and is not insured as a deposit.
• Funding is by bank transfer. The payment processor's fee is shown to you in naira before you confirm, and you choose whether it is deducted from the credit or added on top.
• Withdrawals go to a bank account in your own name, or in the name of your verified business. Withdrawal fees are shown before you confirm.
• Funds committed to a live campaign, an issued voucher or a pending payout are reserved and cannot be withdrawn until they are released.
• We may hold, delay or reverse a transaction where we reasonably suspect fraud, error, chargeback, sanctions exposure or a breach of these Terms, or where a partner or regulator requires it.

If your account is dormant and we cannot reach you, we will follow applicable Nigerian law on unclaimed balances.

If you run campaigns

You decide the reward, the amount, the eligibility rules and who claims. You are responsible for the lawfulness of your campaign, for the accuracy of what you promise, and for honouring it. Campaigns must not be structured as a lottery, betting or other licensable gaming activity unless you hold the licence to do so.

A campaign budget is reserved from your wallet when you launch. What is claimed is paid out; what is not claimed by the time the campaign closes returns to your wallet.

If you claim a reward

Rewards are provided by the Campaign Manager, not by Ridim. We deliver them and we verify the claim, but we do not guarantee any campaign will be available, funded, or still open when you arrive. Each code claims once.

You are responsible for the phone number and bank details you supply. A reward delivered to details you entered incorrectly cannot always be recovered — check them before you confirm.

Live games

Games are skill-based. Scoring may factor in speed and streaks, and the host controls the pace. Network conditions affect gameplay; we make no guarantee of latency or of any particular result. Disrupting a game — automated play, multiple entries, exploiting a defect — voids any prize.

For every event on Ridim, the Organiser is the seller and Ridim is the ticketing platform acting on the Organiser's behalf. Your contract for attending an event is with the Organiser.

If you organise events

• You are responsible for the event itself: venue, permits, safety, age limits, accessibility, and everything you advertise on the page.
• You set your ticket prices, tiers, sales windows and refund policy, and you must honour the policy you publish. Where you cancel or materially change an event, you are responsible for refunding affected ticket holders.
• Ticket revenue is credited to your wallet as sales complete. Where a refund, chargeback or promoter commission applies, it is settled against your balance.
• Attendee data you receive through Ridim — names, emails, answers to your checkout questions — is provided for running your event. Using it for unrelated marketing, or selling it on, breaches these Terms and may breach data protection law.

If you buy a ticket

• Your ticket is personal and its QR code admits once per showtime. Screenshots circulate — if you share your code and someone else uses it first, the ticket is spent.
• Refunds follow the Organiser's published policy. Ridim does not override that policy, but we will help you reach the Organiser.
• Fees shown at checkout may include a service fee. Whether the fee is absorbed by the Organiser or added to your total is shown before you pay.

Promoters, vendors and add-ons

Promoters earn commission only on fully-paid orders attributed to their link, and commission is netted off the Organiser's revenue. Vendor slots and ticket add-ons are sold on the same basis as tickets: the Organiser is the seller and sets the terms. Add-ons do not admit anyone to anything on their own.

Payroll, gift vouchers and bulk transfers are available to KYB-verified Business Accounts.

• Payroll. You are the employer. You are responsible for the accuracy of salaries, bank details and deductions, and for all tax, pension and statutory obligations. Ridim moves the money, produces payslips, and may provide computed PAYE guidance from your payroll data; that guidance is not tax advice, and remitting the correct taxes remains your responsibility. Ridim does not remit taxes on your behalf.
• Gift vouchers. Vouchers are closed-loop: they are redeemable only at approved stores, are not legal tender, are not redeemable for cash, and are funded from an escrowed budget. Each redemption is approved with a one-time code sent to the holder. Unspent balances return to the issuing business.
• Bulk transfers. You are responsible for every recipient on a list you upload and for having a lawful basis to hold their details. Payouts are checked for duplicates; a payout sent to details you supplied incorrectly may not be recoverable.

Where we run a referral programme, a promoter scheme, an ambassador programme or a contest, additional published rules apply alongside these Terms. In every case:

• Attribution is determined by our records. Self-referrals, fake accounts, incentivised signups that never use the product, and any other gaming of the mechanics forfeit the reward.
• Earnings accrue only on qualifying activity as described in the programme rules, and may be held pending verification.
• We may change, pause or end a programme prospectively. Earnings already validly accrued are not removed by such a change.

Fees are shown to you in the product before you commit — funding a wallet, launching a campaign, buying a ticket, or withdrawing. By confirming, you accept the fee shown on that screen.

Third parties may charge their own fees: your bank, the payment processor, and mobile network operators. Where a fee is deducted by a third party, that fee is theirs, not ours.

We may change our fees. Changes are published in the product and take effect for transactions made after the change; they do not apply retrospectively to a campaign or event already funded.

You are responsible for your own taxes. Where the law requires us to withhold or report, we will.

You must not use the Services to:

• break the law, launder money, finance terrorism, evade sanctions, or move the proceeds of crime;
• run unlicensed lotteries, betting, gambling or pyramid/Ponzi schemes, or anything presented as an investment return;
• deceive people about who you are, what a campaign pays, or what an event is — including impersonating Ridim or any brand;
• collect PINs, passwords, OTPs, card details or bank credentials from anyone, for any reason;
• distribute adult content, hate speech, harassment, or content that exploits or endangers minors;
• infringe anyone's intellectual property, or upload logos and artwork you do not have the right to use;
• spam, scrape, reverse-engineer, probe, overload or bypass the rate limits, access controls or fraud checks of the Services;
• automate gameplay, create fake claimants, or otherwise manufacture activity you would be paid for.

We may remove content, cancel a campaign or event, freeze a balance or close an account that breaches this section, and we may report it where the law requires.

You keep ownership of what you upload — event banners, campaign artwork, logos, questions, descriptions. You grant Ridim a worldwide, non-exclusive, royalty-free licence to host, reproduce, resize and display that content for the purpose of operating and promoting the Services, including in link previews, listings and discovery surfaces.

Ridim owns the Services, the software, and the Ridim name, logo and brand. Nothing here grants you a licence to use our marks except to describe your use of the Services accurately.

Where we create a branded activation with you, the brand assets remain yours and the underlying platform remains ours.

If you believe content on Ridim infringes your rights, email hello@ridim.com.ng with the details and we will act on it.

The Services depend on providers we do not control — payment processors, mobile network operators and their airtime/data gateways, email and SMS providers, cloud hosting, and messaging platforms used for support.

We choose them carefully and we retry what fails, but an outage, delay, rejection or price change at a provider is not something we can guarantee against. Where a delivery fails, the reserved amount is returned to the funding wallet rather than lost. Our status page shows what we can see.

You may stop using the Services at any time and ask us to close your account by emailing hello@ridim.com.ng from the address on the account.

We may suspend or terminate access — immediately where necessary — if you breach these Terms, if we are required to by law or a partner, if we reasonably suspect fraud or risk to other users, or if you use the Services in a way that threatens their integrity.

On closure, we will pay out any balance you are entitled to, less amounts reserved for pending obligations, refunds, chargebacks or investigations. Records we are legally required to keep are retained as described in the Privacy Policy.

The Services are provided “as is”. To the fullest extent permitted by Nigerian law, we exclude all implied warranties, including fitness for a particular purpose and uninterrupted or error-free operation.

We are not liable for: the conduct of a Campaign Manager, Organiser, Business Account, Promoter or Recipient; the quality, safety, legality or occurrence of any event or campaign; losses caused by details you entered incorrectly; or failures of third-party networks, gateways or banks.

Where we are liable, our total aggregate liability to you for all claims arising in any twelve-month period is limited to the greater of the fees you paid to Ridim in that period and ₦50,000. We are not liable for indirect or consequential loss, loss of profit, loss of goodwill, or loss of data.

Nothing in these Terms excludes liability that cannot lawfully be excluded — including for fraud or for death or personal injury caused by negligence.

You will indemnify Ridim, its directors, employees and partners against any claim, loss, liability or cost (including reasonable legal fees) arising from your use of the Services, your campaign or event, your content, your breach of these Terms, or your breach of any law or third-party right.

Talk to us first. Most disputes are a mis-set expectation or a typo in a bank account, and both are fixable in a chat. Raise it via the chat widget, WhatsApp, or hello@ridim.com.ng, and give us the transaction reference.

We aim to acknowledge complaints promptly and to resolve them within a reasonable period. If a complaint concerns a payment processed by a third party, we will escalate it to that provider on your behalf.

Disputes we cannot resolve between us are subject to the exclusive jurisdiction of the courts of the Federal Republic of Nigeria. Nothing stops either of us from seeking urgent injunctive relief.

These Terms are governed by the laws of the Federal Republic of Nigeria.

• If any provision is held unenforceable, the rest stays in force.
• Our failure to enforce a provision is not a waiver of it.
• You may not assign these Terms without our consent; we may assign them as part of a reorganisation or sale of the business.
• These Terms, together with the Privacy Policy and any programme rules we publish, are the entire agreement between us.

We may update these Terms as the product and the law change. The effective date at the top always reflects the current version.

Where a change materially affects your rights, we will give notice in the product or by email before it takes effect. Continuing to use the Services after that date means you accept the updated Terms; if you do not, stop using the Services and withdraw your balance.

Ridim Solution Networks Ltd. (RC 9482453), registered in Nigeria.

Registered office: 292 Dakata Kawaji, Nasarawa LGA, Kano State, Nigeria

Email hello@ridim.com.ng, or use any of the channels on the contact page. For anything formal, say so in the subject line.