HelpMe AI: Privacy Policy & Terms of Service

Effective Date: February 23, 2026

1. Overview

HelpMe AI is a multi-service AI platform offering digital wallet services, logistics (dispatch), and food procurement. By using the app, you agree to how we collect and use your information as described in this policy.

2. Digital Wallet & Financial Services

• Wallet Creation: When you register, we assign you a secure digital wallet for all transactions within the ecosystem—food orders, dispatch services, and peer-to-peer transfers.
• KYC & Tiered Verification: To ensure security and prevent fraud, we use a 3-tier verification system:
  • Tier 1 & 2: Basic registration for minor transactions.
  • Tier 3: Requires your BVN (Bank Verification Number). We use your BVN only to verify your identity against the national database. We cannot access your external bank accounts.
• Transaction Security: All transfers require a unique Transaction PIN. Never share this PIN with anyone.

3. AI & Language Processing

• Linguistic Capabilities: HelpMe AI understands and processes commands in English, Yoruba, Igbo, and Hausa.
• Voice Data: If you use the "Ask Me Anything" voice feature, we process your audio to execute your command. We do not store your private conversations.

4. Dispatch & Food Delivery (Logistics)

• Service Mediation: HelpMe AI connects you with third-party dispatch riders and food vendors.
• Liability: HelpMe AI handles the AI-facilitated ordering process. Food quality and the physical handling of goods during dispatch are the responsibility of the vendors and riders.
• Location Data: We collect real-time GPS data to enable accurate food delivery and dispatch tracking.

5. User Responsibilities

• Confirmation: Review the "Transaction Preview" (account name, amount, food order details) before entering your PIN. Once you authorize a transaction with your PIN, it is final.
• Security: You are responsible for keeping your mobile device and HelpMe AI credentials secure.