Terms of use

These terms are an agreement between you and Lertha Technologies Limited (“Lertha”, “we”, “us”), a company incorporated in Nigeria. They apply to lertha.com, the Lertha waitlist, and, once launched, the Lertha app. By using any of them you agree to these terms. If you do not agree, please do not use the service.

Lertha helps you see and understand your money and nudges you toward habits you have chosen. Your Freedom Score, Money Blueprint and anything Wendy says are for information only. They are not financial, investment, tax or legal advice, and they are not a substitute for a licensed professional.

Lertha is not a bank. We do not hold your money, we do not lend, and we cannot move funds. Decisions about your money are yours.

You must be at least 18 and able to enter a binding agreement. You must give accurate information and keep your login details safe.

Joining the waitlist gives you a place in the early-access queue. It is free and does not guarantee access by a particular date. You can leave at any time using the unsubscribe link in any email.

Connecting an account is optional. Connections are read-only and made through a regulated open-banking partner under its own terms. You can disconnect an account at any time in the app. Lertha shows the data your bank provides and cannot guarantee it is complete or up to date.

Do not use Lertha to break the law, to access someone else's accounts without permission, to interfere with the service, or to copy or resell it.

Anything you type into Lertha stays yours. You give us permission to process it to provide the service, as described in our privacy policy.

Lertha is pre-launch. Features, availability and pricing may change. We may suspend or withdraw the service for maintenance, security or legal reasons. We will give reasonable notice where we can.

We provide Lertha with reasonable care and skill. To the extent the law allows, we are not liable for losses that arise from decisions you make based on the service, from bank data that is inaccurate or late, or from events outside our control. Nothing in these terms limits liability that cannot be limited by law.

You can stop using Lertha and delete your account at any time. We may end or suspend your access if you break these terms. Deletion follows the process in the privacy policy.

Lertha Technologies Limited is registered with the Nigeria Data Protection Commission as a data controller/processor of major importance under Section 44 of the Nigeria Data Protection Act 2023 (registration ID NDPC/DCP/14612). How we handle your personal data is set out in our privacy policy, which forms part of these terms.

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled by the courts of Lagos State, after a good-faith attempt to resolve them directly with us.

Questions about these terms: wendy@lertha.com. Lertha Technologies Limited, NDPC registration NDPC/DCP/14612. Our registered address will be published here before launch.