updated 15th January 2022

Terms of Services

Luca Inc (the “Company”) operates a web/mobile application, “Luca App” (the “App”) available on Google Play Store, iOS and other similar platforms and also operates a website https://luca.africa (the “Website”). The App and the Website shall be together referred to as the “Platform”. These terms and conditions (“Terms”) govern the use of or access to the Platform and the Services (as defined below).

These Terms constitute a binding and enforceable legal contract between the Company and a User (as defined below) or any end-user of the Services (collectively, “you”). You represent and warrant that you (a) have full legal capacity and authority to agree and bind yourself to these Terms, and (b) are 18 (eighteen) years of age or older. If you represent an entity, organization, or any other legal person, you confirm and represent that you have the necessary power and authority to bind such entity, organization, or legal person to these Terms.

These Terms also include our privacy policy, available at (“Privacy Policy”) and any internal guidelines, supplementary terms, policies, or disclaimers made available or issued by us from time to time. By continuing to access or use the Platform, or any Service on the Platform, you signify your acceptance of the Terms.

The Company reserves the right to make changes to these Terms by posting the new/updated version and your continued use and/or non-deletion of the Platform shall indicate your agreement to such changes. Accordingly, we encourage you to kindly continue to review the Terms whenever accessing or using the Platform so as to be abreast with the changes that we may be carrying out to these Terms.

By using the Services, you agree that you have read, understood, and are bound by these Terms, and that you comply with the requirements listed herein. If you do not agree to all of these Terms or comply with the requirements herein, please do not access the Platform or use the Services.


The Platform (i) provides a digital ledger book/record book wherein the users (“Users”), can record their ledger entries with their respective customers and (ii) also allows users to send SMS and WhatsApp reminders to their customers (collectively, “Services”). For the purposes of this clause, Services would include any other future services the Company provides/proposes to provide.

  1. To avail the Services, a User would be required to create a profile/sign-up on the Platform (“Profile”) using his/her phone number among other details. In addition to setting up a username and password to create the Profile, the User will be required to furnish certain details, including but not limited to phone numbers and details of its customers and businesses. The User warrants that all information furnished in connection with its Profile is and shall remain accurate and true in all respects. The User further agrees and undertakes to promptly update its details on the Platform in the event of any change or modification of such details.
  2. The User is solely responsible for maintaining the security and confidentiality of their username and password and agrees to immediately notify the Company in writing at support@luca.africa of any disclosure or unauthorized use of their Profile or any other breach of security with respect to their Profile.
  3. The User expressly agrees to be liable and accountable for all activities that take place through its Profile in furtherance of the use of Service or otherwise. The Company expressly excludes any liability for any unauthorized access to a User’s Profile.
  4. The User agrees to receive communications from the Company regarding: (i) information relating to transactions recorded on the Platform; (ii) requests for payment; (iii) information about the Company and the Services; (iv) promotional offers and services from the Company and its third-party partners, and (v) any other matter in relation to the Services.
  1. The Company may require Users to upload certain information and documents that may be necessary to ascertain their eligibility to use certain features of the Services including but not limited to their identification documents (“KYC Documents”).
  2. The User hereby authorizes the Company and any third-party service provider it may engage with or interact with in connection with using the Platform to process KYC Documents and ascertain the User’s eligibility. Any processing undertaken by the Company shall be in accordance with its Privacy Policy and these Terms. It is hereby clarified that as far as the permission of the KYC Documents by a third-party service provider is concerned, the same shall be governed by the privacy policy of such third-party service provider.
  3. The User agrees that it may be required to submit additional documents as and when required by the Company or any of its third-party service providers and if, in such an event, any additional information, data, or documentation is required (collectively, “Additional Documents”), the User hereby agrees to share such Additional Documents promptly upon request, and further, authorizes the Company to process such “Additional Documents.
  4. The User agrees and warrants to provide valid, true, complete, and up-to-date KYC Documents and Additional Documents. The User further acknowledges that any incorrect or misleading information provided shall constitute a material breach of these Terms, and the User’s access to certain features of the Services may be limited or denied in such event.
  5. The list of the KYC Documents and Additional Documents may be provided to the User at the time of creating the Profile/signing-up or at a later stage.
  1. The Users may upload information relating to transactions with their customers or relating to their businesses, including the sale of goods or services, costs, amounts paid and payable, and details of goods and services, on the Platform (such information is referred to as “Transaction Information”). Transaction Information may be exchanged between the Users and their customers through telephonic calls, text message, WhatsApp, email, or other electronic mediums that would depend on the contact details of Users and their customers provided on the Platform.
  2. At the time of creating or uploading the first Transaction Information with respect to their customers, the User shall inform such customers of its use of the Platform to record such Transaction Information and Transaction Information related to future transactions and seek such customer’s express consent in this regard and to:
    1. The creation of a profile of the customer on the Platform, which will require sharing such customer’s phone number and contact details with the Company;
    2. receive communications from the Company regarding: (i) information relating to their transactions recorded on the Platform; (ii) requests for payment; (iii) information about the Company and the Services; (iv) promotional offers and services from the Company and its third-party partners, and (v) any other matter in relation to the Services.
    3. If such customers fail to provide consent or withdraw consent, the User shall immediately cease to use the Services in relation to such customers.
    4. The User shall be solely responsible for obtaining such consent from its customers and the Company shall assume that such consent as required under clause 4(b) above is sought and received by the User if the User provides details of such Transaction Information relating to any of such customers at any time during the use of the Platform.
  1. The Services may include services, content, documents, and information owned by, licensed to, or otherwise made available by a third party (“Third Party Services”) or contain links to Third Party Services. Users understand that Third Party Services are the responsibility of the third party that created or provided them and acknowledges that use of such Third-Party Services is solely at their own risk.
  2. The Company makes no representations and hereby expressly excludes all warranties and liabilities arising out of or pertaining to such Third-Party Services, including their accuracy or completeness. Further, all intellectual property rights in and to Third-Party Services are the property of the respective third parties.
  3. The Company will in the future enable payments via payment service providers (“PSP”) partners and the User should take care not to share his personal UPI pin or OTP with any third party intentionally or unintentionally. The Company never solicits information such as UPI pin or OTP over a call or otherwise. The Company shall not be liable for any fraud due to the sharing of such details by the User. The providers providing Third Party Services / PSP partners shall not be liable for any fraud due to sharing of such details by the User. If any of such fraudulent transactions occur and where the User shares his debit/credit card or UPI information, the Company may share relevant information of such transaction if the victim approaches the Company via proper channels including customer support number and hello@luca.africa
  1. The User hereby represents and warrants that all information that is provided by the User through or in relation to the Services is valid, complete, true, and correct on the date of agreeing to these Terms and shall continue to be valid, complete, true, and correct throughout the duration of the User’s use of the Platform. The Company does not accept any responsibility or liability for any loss or damage the User may suffer or incur if any information, documentation, material, or data provided to avail the Services is incorrect, incomplete, inaccurate, or misleading, or if the User fails to disclose any material fact.
  2. The User shall be solely responsible for ensuring compliance with applicable laws and shall be solely liable for any liability that may arise due to a breach of its obligations in this regard.
  3. The User shall extend all cooperation to the Company in its defending of any proceedings that may be initiated against it due to a breach of the User’s obligations or covenants under these Terms.
  4. While the Company uses commercially reasonable efforts to provide Users with a daily backup of their Transaction Information, Users should regularly and independently save, backup, and archive such Transaction Information.
  5. The User shall not use the Services in any manner except as expressly permitted in these Terms. Without limiting the generality of the preceding sentence, the User may not:
    1. Infringe either directly or indirectly any third-party proprietary rights, including but not limited to copyrights, patents, trademarks, or trade secrets, of any party;
    2. except as may be provided hereunder, use in any manner including copying, displaying, distributing, modifying, publishing, reproducing, storing, transmitting, posting, translating, creating any derivative works from, or license the Services;
    3. use the Services to transmit any data or send or upload any material that contains viruses, trojan horses, or any other harmful programmes or similar computer code designed to adversely affect the operation of any computer software or hardware;
    4. use any robot, spider, other automated devices, or manual process to monitor or copy the Platform or Services or any portion thereof;
    5. use the Services in furtherance of / to engage in any activity which may be grossly harmful, harassing, blasphemous, defamatory, obscene, pornographic, pedophilic, libelous, invasive of another's privacy, hateful, or racially, ethnically objectionable, disparaging, relating, or encouraging money laundering or gambling, or otherwise unlawful in any manner whatever; or unlawfully threatening or unlawfully harassing;
    6. engage in the systematic retrieval of content from the Platform or Services to create or compile, directly or indirectly, a collection, compilation, database or directory; or
    7. violate applicable laws in any manner.

The following goods and services are prohibited and/or restricted for sale by the User on the Platform:

  1. All types of drugs and other substances whose circulation is prohibited or restricted based on applicable laws and regulations, including but not limited to the Narcotics Law, Psychotropic Law, and Health and Medical & Dental Laws in Nigeria. Included in this provision are strong drugs, drugs that require a doctor's prescription, anesthetics, and similar drugs, or drugs that do not or have not obtained a distribution permit from the National Agency for Food and Drug Administration (NAFDAC)
  2. Cosmetics and food and beverages that can endanger the health of consumers, or do not or have not obtained a distribution permit from the National Agency for Food and Drug Administration (NAFDAC)
  3. Materials classified as hazardous materials based on the applicable Regulation of the Minister of Trade and Investment of Nigeria.
  4. Other goods whose ownership and distribution violate the prevailing laws and regulations in Nigeria.
  5. Goods that violate copyright, including but not limited to any media in the form of books, CDs, DVDs, VCDs, electronic information and/or documents, and any other media that violates the Nigerian Copyright Law.
  6. Adult sexual aids, including but not limited to stimulant drugs, sexual aids containing pornographic content, and other similar drugs, either with or without marketing authorization from the National Agency for Food and Drug Administration (NAFDAC) and regardless of whether the distribution of drugs and the goods are prohibited by applicable laws and regulations.
  7. All types of posts that have a negative impact on the use of the Platform.
  8. Firearms, sharp weapons, air rifles, and other weapons of any kind.
  9. Government and travel documents
  10. Government uniform
  11. Human body parts/organs
  12. List of names and addresses (mailing list) and personal information.
  13. Goods and/or Services that harass certain party(s) or race(s) or can demean other people.
  14. Police attribute
  15. Items from theft
  16. Unlocker and all accessories supporting the act of robbery or theft.
  17. Explosive, flammable or combustible items.
  18. Printed or recorded goods whose contents can disturb security and order and national stability.
  19. Undertaking, facilitating, or supporting the criminal activity of any kind, including but not limited to money laundering, terrorist financing, illegal gambling operations, or malicious hacking
  20. Cash, including foreign currency, unless the User has and can include a license as a Non-Bank Foreign Exchange Business Operator based on Central Bank of Nigeria regulations related to foreign exchange.
  21. Stamp
  22. Paying in to or otherwise supporting pyramid schemes, Ponzi schemes, matric programmes, “get rich quick” schemes, multi-level marketing programmes, or high-yield investment programmes.
  23. Signal scrambler, signal remover, and/or other tools that can interfere with the signal or telecommunications network.
  24. Gambling equipment and equipment
  25. Amulets and other items that are claimed to have supernatural powers and provide supernatural knowledge.
  26. Official documents such as TOEFL certificates, diplomas, doctor's prescriptions, bills, and other similar documents.
  27. Any other Goods that violate the laws and regulations regarding the delivery of goods in force in Nigeria.
  28. Any other goods and/or services that violate the laws and regulations in force in Nigeria.
  29. All types of Goods and/or Services that contain gambling, lottery, and/or betting content.
  30. Transactions involving items that may help facilitate or enable illegal activity; promote or facilitate hate, violence, or racial intolerance; are considered obscene, or maybe stolen goods or the proceeds of crime.

In addition to the prohibited and/or restricted goods and services above, the User must always comply with the Google Play Store policies and restrictions and the App Store Review Guidelines (as applicable), and any applicable laws and regulations.

To the extent permitted under the Google Play Store Policies and/or App Store Review Guidelines (as applicable), the sale of tobacco products and/or e-cigarettes is only permitted to be sold in the following 6 (six) categories:

  1. Other Adult Product Categories;
  2. Category of electronic cigarettes (e-cigarettes);
  3. Liquid Vape Category;
  4. Vaporizer Package Category;
  5. MOD category; and/or
  6. Atomizer category
  1. All rights, title, and interest in and to the Platform and Services, including all intellectual property rights arising out of the Platform and Services, are owned by or otherwise lawfully licensed by the Company. Subject to compliance with these Terms, the Company grants the User a non-exclusive, non-transferable, non-sublicensable, royalty-free, revocable, and limited license to use the Platform and Services in accordance with these Terms and its written instructions issued from time to time.
  2. The Company may freely use, copy, disclose, publish, display, distribute without any payment of royalty, acknowledgment, prior consent, or any other form of restriction arising out of the User’s intellectual property rights.
  3. Except as stated in these Terms, nothing in these Terms should be construed as conferring any right in or license to the Company’s or any third party’s intellectual rights.
  4. The contents of this Platform, including but not limited to the text and images herein and their arrangements, unless otherwise noted, are copyright-protected in the whole and every part of this Platform and the same belongs to the Company and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without the prior written consent of the Company.
  1. These Terms shall remain in effect unless terminated in accordance with the terms hereunder.
  2. The Company may terminate a User’s access to or use of the Services, or any portion thereof, immediately and at any point, at its sole discretion, if the User violates or breaches any of its obligations, responsibilities, or covenants under these Terms.
  3. Upon termination these Terms shall terminate, except for those clauses that expressly or are intended to survive termination or expiry.
  4. Notwithstanding anything to the contrary contained in the Terms, upon termination of a User’s access to or use of the Services, all amounts or outstanding monies due by you in relation to your use of or access to the Services shall become immediately payable.
  1. The use of the Services is at your sole risk.
  2. To the extent permitted by applicable law, the Services are provided on an “as is” and “as available” basis. The Company does not warrant that operation of the Services will be uninterrupted or error-free or that the functions contained in the Services will meet your requirements.
  3. To the fullest extent permissible under applicable law, the Company expressly disclaims all warranties of any kind, express or implied, arising out of the Services, including warranties of merchantability, fitness for a particular purpose, satisfactory quality, accuracy, title and non-infringement, compatibility, applicability, usability, appropriateness, and any warranty that may arise out of course of performance, course of dealing, or usage of trade.
  4. You hereby accept full responsibility for any consequences that may arise from your use of the Services, and expressly agree and acknowledge that the Company shall have absolutely no liability with respect to the same.
  5. To the fullest extent permissible by law, the Company, its affiliates, and its related parties each disclaim all liability to you for any loss or damage arising out of or due to:
    1. your use of, inability to use, or availability or unavailability of the Services, including any Third-Party Services;
    2. the occurrence or existence of any defect, interruption, or delays in the operation or transmission of information to, from, or through the Services, communications failure, theft, destruction or unauthorized access to the Company’s records, programmes, services, server, or other infrastructure relating to the Services; or
    3. the failure of the Services to remain operational for any period of time.
  6. Notwithstanding anything to the contrary contained herein, neither the Company nor any of its affiliates or related parties shall have any liability to you or any third party for any indirect, incidental, special or consequential damages or any loss of revenue or profits arising under, directly or indirectly, or relating, in any manner whatsoever, to these Terms or the Services. To the maximum extent permitted by law, you agree to waive, release, discharge, and hold harmless the Company, its affiliated and subsidiary companies, its parent companies, and each of their directors, officers, employees, and agents, from any and all claims, losses, damages, liabilities, expenses, and causes of action arising out of the Services.
  7. Luca currently is not a payment aggregator or payment gateway. It is enabling payments for its users via third-party payments service providers. Any charges levied by Luca for usage are service charges. In case you need an invoice for the charges levied please email support@luca.africa

You shall indemnify, defend at the Company’s option, and hold the Company, its parent companies, subsidiaries, affiliates, and their officers, associates successors, assigns, licensors, employees, directors, agents, and representatives, harmless from and against any claim, demand, lawsuits, judicial proceeding, losses, liabilities, damages and costs (including, without limitation, from all damages, liabilities, settlements, costs and attorneys’ fees) due to or arising out of your access to the Services, use of the Services, violation of these Terms or any infringement by any third party who may use your account with the Company, of these Terms.

  1. You agree that the Company and any third-party service providers it engages, may, in accordance with its Privacy Policy, collect and use your information and technical data and related information.
  2. The Company may use information and data pertaining to your use of the Services for analytics, trends’ identification, and purposes of statistics to further enhance the effectiveness and efficiency of the Platform.
  3. Subject to applicable laws, the Company may be directed by law enforcement agencies or the government and related bodies to disclose data in relation to Users in connection with criminal proceedings. You understand and agree that in such instances, the Company shall have the right to share such data with relevant agencies or bodies.

You shall maintain the records of all payment transactions on the Platform independently of the Platform (by way physical copies et cetera) and the Company reserves the right to seek copies of such records for their own use including record keeping.


The Company reserves the right to charge a convenience fee for the Services and non-payment may result in denial of Services.


The Company reserves the right at any time to add, modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without cause. The Company shall not be liable for any such addition, modification, suspension or discontinuation of the Services.


These Terms shall be governed by and construed and enforced in accordance with the laws of the Federal Republic of Nigeria. Subject to other provisions in this Clause, courts in Lagos shall have exclusive jurisdiction over all issues arising out of these Terms or the use of the Services.

Any controversies, conflicts, disputes, or differences arising out of these Terms shall be resolved by arbitration in Lagos in accordance with Arbitration and Conciliation Act Cap 18 of the Laws of the Federation of Nigeria, 2004 as agreed to beincorporated by reference in this Clause. The arbitration proceedings shall be conducted in Lagos and in English Language, before a sole arbitrator appointed by the Company within three (3) business days of the notice of the dispute by the aggrieved party or failing such agreement, or by a person appointed by the Chairperson of the UK Chartered Institute of Arbitrators (Nigeria Branch) at the written request of theCompany.

The parties to the arbitration shall keep the arbitration confidential and not disclose to any person, other than on a need to basis or to legal advisors unless required to do so by law. The decision of the arbitrator shall be final and binding on all the Parties hereto.

Each party to the arbitration shall bear its own costs with respect to any dispute.

  1. Modification – The Company reserves the right at any time to modify these Terms and to add new or additional terms or conditions on use of the Services. Such modifications and additional terms and conditions will be communicated to you and, unless expressly rejected (in which these Terms shall terminate), will be effective immediately and will be incorporated into these Terms. In the event you refuse to accept such changes, these Terms will terminate.
  2. Severability – If any provision of these Terms is determined by any court or other competent authority to be unlawful or unenforceable, the other provisions of these Terms will continue in effect. If any unlawful or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect (unless that would contradict the clear intention of the clause, in which case the entirety of the relevant provision will be deemed to be deleted).
  3. Assignment – You shall not license, sell, transfer or assign your rights, obligations, or covenants under these Terms in any manner without the Company’s prior written consent. The Company may grant or withhold this consent in its sole discretion and subject to any conditions it deems appropriate. The Company may assign its rights to any of its affiliates, subsidiaries, or parent companies, or to any successor in interest of any business associated with the Services without any prior notice to you.
  4. Notices – All notices, requests, demands, and determinations for the Company under these Terms (other than routine operational communications) shall be sent to support@luca.africa
  5. Third-Party Rights – No third party shall have any rights to enforce any terms contained herein.
  6. Translations – The Company may provide you with translated versions of these Terms solely to assist you with understanding these Terms in greater detail. The English version of these Terms shall be controlling in all respects. In the event of any inconsistency between the English version of these Terms and any translated version, the terms of the English version shall prevail.