Terms matched to the product that exists today.

Vyloca is developed and operated by Aurum Digital Consulting Limited, RC 9671246, Lagos, Nigeria. By using the website or submitting information, you agree to these terms and the privacy notice. If you do not agree, do not use the service.

Vyloca is currently a product sandbox and Nigeria-wide demand study. It is not a live payment service. Amounts, account names, exchange rates, provider actions, transfer states and receipts displayed in the sandbox are simulations and must not be relied on as evidence of a real transaction.

Vyloca is not a bank, foreign-exchange dealer, card processor, remittance provider or licensed payment institution. Vyloca does not hold customer funds, accept raw card credentials, independently conduct foreign exchange or settle transfers.

Any future live payment capability will depend on appropriately licensed partners and their eligibility, verification, risk, limit, pricing, availability and compliance decisions. A sandbox result does not guarantee that a partner will approve a user or transaction.

You may use the public experience to understand the proposed product, provide genuine demand information and evaluate potential partnership fit. You must provide information you are authorised to provide and must not impersonate another person or organisation.

You must not submit sensitive payment or identity information, probe or disrupt the service, evade security controls, automate abusive traffic, misrepresent sandbox output as a real payment, or use the service unlawfully.

Vyloca, its interface, text, graphics, software, trademarks and documentation are owned by or licensed to Aurum Digital Consulting Limited. These terms grant only a limited, revocable right to use the public service for its intended purpose. They do not transfer intellectual-property rights.

We may change, suspend or withdraw any sandbox feature without notice. Links and references to third-party services are provided for context and do not imply endorsement, partnership or guaranteed availability unless expressly stated in writing.

Website content is general product information, not financial, legal, tax or investment advice. Do not make a payment, travel or commercial decision based solely on sandbox output.

We use reasonable care to operate the public experience, but provide the sandbox on an “as available” basis. To the extent permitted by law, Aurum Digital Consulting Limited is not liable for decisions based on simulated data, interruptions, third-party services or indirect losses. Nothing in these terms excludes liability that cannot lawfully be excluded.

These terms are governed by the laws of the Federal Republic of Nigeria. Before commencing a formal claim, please contact hello@aurumdigitalconsulting.com so the matter can be reviewed promptly.