Disclaimer

Demo mode

This environment is a demonstration. Balances, wallets, mandates, cards, bills and transactions are simulated with realistic Nigerian data. No real money moves, no real card is issued and no real mandate is created with a bank or provider.

Not financial advice

Allocation suggestions, safety floors, forecasts and assistant responses are informational tools. They are not financial, tax, investment or legal advice, and they do not account for your full circumstances.

Forecast limitations

• Forecasts are projections based on the data available and assumed recurring patterns.
• Unexpected income changes, provider outages or bank downtime can invalidate a projection.
• A green safety floor is not a guarantee that a future debit will succeed.

Third-party providers

Where the live service depends on banks, payment processors, mandate rails, card issuers or messaging networks, Pay4U is not liable for delays, downtime or decisions made by those providers, though we will always work to resolve them on your behalf.

Availability

We aim for continuous availability but do not warrant uninterrupted or error-free service. Planned maintenance is announced in advance where practical.