Terms & Conditions

01Agreement to terms

These Terms & Conditions ("Terms") are a binding agreement between you or the entity you represent ("you", "Merchant", "Customer") and [Legal Entity Name] ("Veem", "we", "us", or "our"), the operator of the Veem identity verification platform available at useveem.com and app.useveem.com (the "Service").

By accessing or using the Service, creating an account, or clicking to accept these Terms, you agree to be bound by them. If you do not agree, you may not use the Service. If you are entering into these Terms on behalf of an organisation, you represent that you have authority to bind that organisation.

These Terms incorporate our Privacy Policy and any Data Processing Agreement (DPA), Master Services Agreement (MSA), or order form executed between you and Veem. Where a signed agreement conflicts with these Terms, the signed agreement prevails.

02Definitions

• "Verification" — a request submitted to the Service to check identity or business information (e.g. NIN, BVN, liveness, face match, screening, or CAC lookup).
• "Scope" — an individual check that can be included in a Verification call.
• "Data Subject" — the individual whose personal data is processed through a Verification.
• "End User" — a customer or user of the Merchant whose identity is being verified.
• "Wallet" — the prepaid balance you top up and from which verification fees are deducted.

03Eligibility & accounts

The Service is intended for registered businesses, not individual consumers. To use it, you must complete merchant onboarding and be approved by Veem. Approval may require documentation such as business registration, applicable regulatory licences, tax identification, and data-protection registration, depending on your sector.

You are responsible for the accuracy of the information you provide, for maintaining the confidentiality of your account credentials and API keys, and for all activity that occurs under your account. Notify us immediately at support@useveem.com if you suspect any unauthorised use.

04The service

Veem provides an application programming interface (API), SDKs, and a dashboard that let approved Merchants verify identity and business information against authoritative sources and biometric checks. The specific Scopes available to you depend on your sector, use case, and the approvals granted during onboarding.

We may improve, modify, or discontinue features of the Service over time. We will use reasonable efforts to give notice of material changes that adversely affect your use.

05Merchant obligations & acceptable use

You must use the Service lawfully and only for legitimate verification purposes for which you have a valid legal basis. You agree that you will:

• Obtain all necessary consents and provide all required notices to Data Subjects before submitting a Verification;
• Only verify individuals and businesses where you have a lawful purpose to do so;
• Comply with all applicable laws, including the Nigeria Data Protection Act 2023, the NDPR, and any CBN, NAICOM, or sector-specific requirements;
• Not use the Service to harass, discriminate against, profile unlawfully, or otherwise harm any person;
• Not attempt to reverse-engineer, resell, or provide access to the Service to third parties except as expressly permitted;
• Keep your integration secure and not exceed agreed rate limits or circumvent usage controls.

You are solely responsible for the decisions you make based on verification results. Veem provides data and signals; it does not make lending, hiring, insurance, or other decisions on your behalf.

06Fees, wallet & payment

The Service is billed on a usage basis. Each Verification is charged the sum of the Scopes it includes, at the rates on your rate card. Fees are deducted from your prepaid Wallet balance at the time a call is made.

• You must maintain a sufficient Wallet balance; Verifications may fail or be blocked if your balance is insufficient.
• Wallet top-ups are subject to a minimum amount communicated during onboarding.
• Rates are indicative until confirmed on your rate card and may be updated on reasonable notice. Volume discounts may apply.
• Except where required by law, fees and Wallet balances are non-refundable.
• You are responsible for any applicable taxes, levies, or bank charges.

07Data protection roles

In respect of the personal data of your End Users processed through the Service, you generally act as the data controller and Veem acts as a data processor acting on your documented instructions, as set out in our Data Processing Agreement.

For certain limited processing — such as fraud prevention, service security, and meeting our own legal obligations — Veem may act as an independent controller. Each party will comply with its obligations under applicable data-protection law. Our handling of personal data is described in our Privacy Policy.

08Third-party data sources

The Service relies on third-party and governmental data sources (for example NIMC, NIBSS, and the CAC) accessed through licensed channels. We do not control and cannot guarantee the accuracy, completeness, or availability of data held by those sources. A verification result reflects the information returned by the relevant source at the time of the check.

09Intellectual property

Veem and its licensors own all rights, title, and interest in the Service, including the API, SDKs, dashboard, documentation, and all related intellectual property. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your internal business purposes.

You retain ownership of the data you submit. You grant Veem the rights necessary to process that data to provide, secure, and improve the Service, consistent with the Privacy Policy and DPA.

10Confidentiality

Each party may receive confidential information of the other. The receiving party will protect it with reasonable care, use it only to perform under these Terms, and not disclose it except to personnel and advisers who need it and are bound by confidentiality obligations. This does not apply to information that is public, independently developed, or lawfully obtained without restriction.

11Service availability & support

We aim to keep the Service available and reliable but do not guarantee uninterrupted or error-free operation unless a specific service-level agreement is in place. We may perform maintenance and will use reasonable efforts to minimise disruption. Support is provided at the level applicable to your plan.

12Warranties & disclaimers

The Service is provided “as is” and “as available”. To the fullest extent permitted by law, Veem disclaims all warranties, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that verification results will be accurate, complete, or fit for any particular decision you make.

13Limitation of liability

To the fullest extent permitted by law, neither party will be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of or relating to these Terms or the Service.

Except for liability that cannot be excluded by law, each party's total aggregate liability arising out of or relating to these Terms will not exceed the total fees you paid to Veem for the Service in the three (3) months immediately preceding the event giving rise to the claim.

14Indemnification

You agree to indemnify and hold harmless Veem and its officers, employees, and agents from any claims, damages, liabilities, and expenses arising from your use of the Service, your violation of these Terms, or your breach of applicable law — including any failure to obtain required consents from Data Subjects.

15Suspension & termination

We may suspend or terminate your access to the Service if you breach these Terms, if required by law or a data source, or to protect the security and integrity of the Service. You may stop using the Service at any time. On termination, your right to use the Service ends and outstanding fees become due. Provisions that by their nature should survive termination will do so.

16Changes to the service or terms

We may update these Terms from time to time. If we make material changes, we will provide reasonable notice, for example by posting the updated Terms with a new effective date or by notifying you directly. Your continued use of the Service after changes take effect constitutes acceptance.

17Governing law & disputes

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles. The parties will first seek to resolve any dispute amicably. Any dispute that cannot be resolved will be subject to the exclusive jurisdiction of the courts of [State], Nigeria, or resolved by arbitration if the parties so agree.

18General

These Terms, together with any documents they incorporate, are the entire agreement between the parties regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or successor.

19Contact us

Questions about these Terms can be sent to hi@useveem.com, or by writing to us at 1 Odobo Street, Ogba Lagos, Nigeria.