Terms of Service

Last updated: January 28, 2026

1. Acceptance of Terms

By accessing and using mySIKA, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by these terms, please do not use this service.

2. Description of Service

mySIKA is a personal finance management platform designed to help users track income, manage expenses, set savings goals, and monitor debts. The service is specifically tailored for African users with support for local currencies including GHS, NGN, KES, and ZAR.

3. User Accounts

You are responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account. You must immediately notify mySIKA of any unauthorized use of your account.

4. Subscription Plans

mySIKA offers both free and paid subscription plans. The free plan includes basic features, while the Pro plan offers advanced features such as unlimited transactions, advanced analytics, and priority support. Subscription fees are billed through Paystack.

5. Data Privacy

We are committed to protecting your financial data. All personal and financial information is encrypted and stored securely. We do not sell or share your data with third parties except as required to provide our services.

6. Limitation of Liability

mySIKA provides financial tracking tools for informational purposes only. We are not financial advisors and do not provide financial advice. Users are responsible for their own financial decisions. mySIKA shall not be liable for any direct, indirect, incidental, or consequential damages.

7. Modifications to Service

mySIKA reserves the right to modify or discontinue, temporarily or permanently, the service with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the service.

8. Contact Information

If you have any questions about these Terms of Service, please contact us at support@cediwise.com.