Terms

Last updated 11 October 2026

These are the rules for using MyPaddie, run by Spectroniq Limited in Nigeria. By creating an account you agree to them and to our privacy policy.

What MyPaddie is — and isn't

A coach for your days, habits and money. It is not financial, medical, legal or mental-health advice, and the AI apps you connect to it can be wrong. Decisions are yours. If you're in crisis or thinking of harming yourself, contact local emergency services or someone you trust — don't rely on an app.

Your account

• Keep your sign-in safe; you're responsible for what happens in your account.
• Only connect AI apps you trust. Anything you allow can read and change your MyPaddie data until you disconnect it.
• You can download your data or delete your account at any time in Settings.

Fair use

Don't use MyPaddie to break the law, harm others, or overload or attack the service. Requests are rate-limited. We may suspend accounts that abuse it.

Plans and prices

MyPaddie has Free, Plus and Pro plans. During early access nothing is charged. Before we start charging we'll tell you, and nothing paid starts without you choosing it. Prices may change with notice; a change never applies to a period you've already paid for.

The service

We work to keep MyPaddie running and your data safe, but it's provided as it is, without guarantees that it will always be available or error-free. To the extent the law allows, we aren't liable for indirect losses, and our total liability is limited to what you paid us in the last 12 months.

Ending

You can stop any time by deleting your account. We may close MyPaddie or your account with reasonable notice, and you'll be able to download your data first.

Law and contact

These terms are governed by the laws of Nigeria. Questions: privacy@spectroniqlimited.com.