By initializing a session on the Call on Demand.com platform ("the Platform"), you agree to be bound by these Terms and Conditions. These terms constitute a legally binding agreement between you and COD Unified Life Ltd, compliant with the laws of the Federal Republic of Nigeria.

Call on Demand.com operates its financial gateway in strict accordance with the Central Bank of Nigeria (CBN) guidelines for digital payment services.

In compliance with the Nigeria Data Protection Regulation (NDPR), your privacy is our operational priority.

• Processing Consent: You consent to the processing of your location, contact, and bank data for service fulfillment and payout settlement.

• Security Layer: All production data is hardened using AES-256 encryption. We never store raw Transaction PINs on our servers.

Call on Demand.com coordinates physical fulfillment via a fleet of verified Unit Operators.

Financial liquidity on the platform is powered by the COD Unified Wallet.

• Funding: Wallet funding via Monnify is instant. Charges applied by the gateway are non-refundable once the handshake is complete.
• 2FA Security: You are responsible for the confidentiality of your 6-digit Security PIN. Any action performed with your PIN is legally considered authorized by you.
• Withdrawals: Payouts are only permitted to bank accounts matching your verified platform name.

Users designated as Agents or Operators are subject to additional performance and security audits. Attempting to bypass professional role restrictions or escalating privileges via unauthorized methods will result in immediate permanent suspension.