Welcome to Karla Digital Website hereinafter referred to as “Website” (which expression shall where the context so admits, include its successors–in-title and assigns).

By using this Website, You are acknowledging and agreeing to comply with and be bound by the following terms and conditions of use governing Karla Digital's relationship with You in relation to this Website. These Terms and Conditions are for an indefinite term and legally binding, so please read them through carefully before accessing this Website. The onus is on You to access these Terms and Conditions, as well as any amendments made thereto. If You are not agreeable to these Terms and Conditions, You may not access this Website.

These Terms and Conditions are specific and apply to Your use of this Website. Any changes to these Terms and Conditions will be updated on this Website and will be displayed when You access it.


Wherever the following words and phrases appear in these Terms and Conditions they will always have the following meanings:

  • Data Subject” means an identifiable person. One who can be identified directly or indirectly by reference to an identification number or to specific information provided by him or her in accordance with the provisions of these Terms and Conditions.
  • NIBSS” means Nigeria Inter Bank Settlement System Plc
  • NITDA Regulation” or “NDPR” means the Nigeria Data Protection Act 2023 issued by the Nigeria’s National Information and Technology Development Agency (NITDA) and any amendment thereto;
  • Personal Information” means the data relating to a Data Subject which is collected to enable You to use the Website, and includes Bank Verification Number (BVN) data collected for the purpose of effecting a transaction on the Website;
  •  “Website” means this electronic Portal:
  • Terms and Conditions” mean the terms and conditions contained within this electronic document You are reading now;
  • You” means the person using this Website in accordance with these Terms and Conditions and ‘your’ shall be construed accordingly.


To use this Website, You must:

  • Be 18 years of age or above. In the event that You are below 18 years of age, You are visiting the Website at your own risk and warrant that You have been advised accordingly and are acting with the direction of your parents or guardian;
  • Have a valid email address and contact telephone number;
  • Be a resident in a jurisdiction where this Website or any part therein is not restricted.
  • In the case of corporate entity, be a company registered under the laws of the jurisdiction where the website is being used.

You hereby confirm that in consideration of Karla Digital providing You access to the Website, You have read, understood and agreed to be bound by these Terms and Conditions each time You access this Website.

Registrations and Confirmation

By registering on this Website, You warrant to Karla Digital that all the information provided by You are true, complete and accurate in all respects. Karla Digital will take all information supplied via this Website at face value and shall not be responsible for any inaccurate, untrue or false information or any information supplied under false pretences.

Application for and Use of the Website

  • If your registration application is accepted, You agree to receive marketing and promotional materials via an email broadcast unless You have selected not to receive these materials; and consent that your registration details will be utilised by Karla Digital in relation to the activities enumerated in this Website.

  • Your consent to receive marketing and promotional materials electronically will remain in effect until You revoke such consent. To unsubscribe or revoke your consent to receive these Electronic notifications, You will need to apply the unsubscribe option made available within this Website. Please note that it may take some time for us to update our records to ensure your new choices are respected.

  • You must ensure that You update your details (including any change in your email address) on the Website immediately whenever any such change occurs.

Karla Digital’s Obligations.

Karla Digital keeps your Personal Information in line with set periods calculated using the following applicable criteria:
  • How long You have been using the Website, the types products or services offering we provide You, and when You will stop being our customer.
  • After You have stopped using the Website, for how long it is reasonable for us to retain your records to show we have met the obligations we have to You and by law.
  • Any time limits for making a claim
  • Any period for keeping your personal information which are set by law or recommended by the relevant regulators, professional bodies or associations or is in line with best practice.
  • The nature of any contract we have in place with You.
  • The terms of any consent given by You.
  • Any relevant proceedings that apply.
  • Our legitimate interests as a business.

Access to and Control over Information

In respect of your Personal Information with us, You can do at any time the following by contacting us:

  • If allowable, see what Personal Information we have about You, if any.
  • Change/correct any Personal Information we have about You after providing the required documentation and if it is within your purview to change/correct.
  • If allowable, and subject to points a – h above, have us delete any Personal Information we have about You.
  • Request for contact details of the data protection officer, where applicable.
  • If allowable, request for the purpose of the processing as well as the legal basis for processing.
  • If allowable, request for information about interests, if the processing is based on the legitimate interests of Karla Digital or a third party.

You are responsible for the following…

  • You confirm that You have read these Terms and Conditions and the Privacy Notice and agree to be bound by them every time You access this Website;
  • You shall not, and shall not attempt to decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete or in any way tamper with, or gain access to, any part of this Website or any services in relation thereto, or any software comprised in them.
  • You shall not, and shall not attempt to, copy, reproduce, republish, frame, upload to a third party, transmit or distribute the whole or any part of this Website.
  • You shall not send, submit, post or otherwise transmit, material or messages that contain software virus or any other files that are designed to interrupt, destroy, and negatively affect in any manner whatsoever, any electronic equipment in connection with the use of the Website or other User’s ability to use the Website.
  • You shall not conduct any systematic or automated data collection activities (including scraping, data mining, data extraction and data harvesting) on or in relation to the Website without Karla Digital’s express written consent;


  • Karla Digital shall not be liable to You for any loss or damage You may suffer or incur as a result of your use of the Website unless such a loss or damage results directly from the fraud or wilful default of Karla Digital.

  • In the event that You do not comply with any provision of these Terms and Conditions and such non-compliance results in any loss or damage to Karla Digital, You agree and undertake to compensate Karla Digital for such loss and/or damage.

  • Any limitation or exclusion of liability under these Terms and Conditions shall only be valid to the full extent permitted by law.

Security and Confidentiality

You understand and agree that you are responsible for maintaining the confidentiality of your User ID and password at all times.

Third Party Websites or Websites

  • You may not frame, link or deep-link this Website to any other Website or website without our prior written consent. Should You wish to frame or to set up a link / deep-link to this Website please contact us via

  • If the Website provides links to Websites or websites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Website, You agree that Karla Digital is not responsible for the availability of, and content provided on third party Websites, websites or content. You are required to peruse the policies posted by other websites regarding privacy and other topics before use.

  • By using any third-party content, You may leave the Website and be directed to an external Website or website, or to a Website or website maintained by an entity other than Karla Digital. If You decide to visit any such site, You do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or any other destructive elements.

  • You hereby expressly acknowledge and agree that the linked sites are not under the control of Karla Digital and Karla Digital is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites.

Changes and Operation of the Website

Karla Digital reserves the right to make changes to any part of the Website, suspend or terminate the operation of the Website at any time for the purposes of support and maintenance or to update the information contained on the Website and the Information or these Terms and Conditions in order to improve or streamline the services which it offers. Should these Terms and Conditions be amended, Karla Digital will publish details of the amendments on the Website.

By using this Website, You agree to be bound by and You agree to periodically visit the Website to determine the then current terms of use to which You are bound.


  • If one, or part of these Terms and Conditions proves to be legally unsound or unenforceable in any way, this will not affect the validity of the remaining terms in any way.

  • If we relax any of these Terms and Conditions once, this may be on a temporary basis or as a special case; it will not affect our right to enforce that term strictly again at any time.


You agree to indemnify and hold harmless Karla Digital and its officers, agents, and employees from and against any and all claims, demands, costs, damages and or penalties arising out of any failure by You or any agent acting on your behalf to fully observe these Terms and Conditions or by reason of any use by You or such agent of any information or images provided on this Website.

Intellectual Property Rights

  • The composition contained in this Website (“Karla Digital Content”), including but not limited to, text, data, audio, video, programming, functionality, software, source code, graphics, photographs, databases, illustrations, artwork, names, logos, designs, button icons, scripts, trademarks, trade dress, service marks, domain names, service names and the information contained in the Website regarding or connected to Karla Digital and in respect of the activities of Karla Digital, whether registered or unregistered, are either owned by and are the intellectual property of Karla Digital or licensed to Karla Digital, and are subject to copyright and other intellectual property rights under Nigerian Law and applicable international conventions.

  • Unauthorised use/exploitation of Karla Digital Content on the Website may violate copyright, trademark and other applicable intellectual property and proprietary laws in force in Nigeria and/or outside Nigeria and could result in criminal or civil penalties.
  • All trademarks, service marks, logos and any other marks whatsoever are used for the benefit of their respective owners and are not intended to infringe the trademark of any such person.
Third party advertising        

Karla Digital may allow third parties to place advertisements on the Website. Third party advertisements are clearly labelled as such and may be chargeable. Karla Digital does not endorse and is not responsible for the content of any third-party advertisement on this Website or otherwise.

Restrictions of Access to this Website


Automated Processing of Personal Data

Karla Digital may engage in activities which involve the automated processing and/or profiling of information You provide us and You hereby consent that in the circumstances not covered above Karla Digital can engage in activities which involve the automated processing and/or profiling of your information in respect of the services for which You provided the Personal Data.