Last updated: November 2026
The service
AFBiz is a WhatsApp-first AI business-finance assistant for Nigerian merchants, provided by LETI Ltd (the company behind AFCloud AI). You chat with the assistant on WhatsApp; it drafts records (sales, expenses, credit sales, invoices, products, reminders) and applies them to your business account only after you confirm them.
These terms describe the website and the assistant. WhatsApp's own terms apply to the messaging itself (WhatsApp is operated by Meta), and payments run through Paystack under Paystack's terms.
Accounts and plans
One AFBiz account covers one business. Plans are priced in Nigerian naira, monthly, per business account: Free (₦0), Personal (₦1,500), Business (₦5,000) and Pro (₦10,000). Checkout and billing happen in the app, and whatever the in-app checkout states is the authoritative price; the figures on this website are informative and reviewed against unit economics.
Fair use and quotas
Each plan enforces quotas per window:
- Assistant messages per month, with a weekly cap inside the month.
- Exports (CSV, PDF, XLSX) per month.
- Proactive WhatsApp notifications (alerts, reminders, briefs) per month.
- When you approach a limit, the assistant warns you; when a limit is exhausted, the related features pause until the window resets. Quota counters are enforced truthfully: the assistant does not quietly drop your records.
Your records
Every confirmed record carries an audit history, and confirmed mutations are applied exactly once: replayed or duplicate events do not double-post. You may request your records as CSV, PDF or XLSX exports at any time; the assistant delivers export files as WhatsApp documents.
Payments and invoices
Invoices you generate carry payment links processed by Paystack. An invoice is marked paid only when Paystack confirms the payment; AFBiz does not mark payments as received on its own assumption, and it will tell you so when a payment cannot be verified.
Messaging consent
Payment reminders to your customers are sent only where an active prior-contact identity exists for their WhatsApp number, and customers who ask to stop being reminded are honored: further reminder attempts are refused. You remain responsible for messaging your customers lawfully.
Cancelling
You can cancel your subscription in the app. Cancelling stops future billing; export your records before you go. The exports and the audit history are yours to keep.
Availability and liability
The assistant is provided as is; quotas, template approvals (Meta), and third-party services (WhatsApp/Meta, Paystack) all affect what can be delivered at a given moment, and the assistant reports refusals and failures honestly rather than claiming delivery it cannot attest. To the maximum extent permitted by Nigerian law, LETI Ltd is not liable for indirect or consequential losses arising from use of the service.
Contact
Questions about these terms: support@afcloudai.com.