Terms of use.

1. Who we are

WantMyTime (wantmytime.com) is operated by Kredit Technologies Limited (RC 9834452), a company registered in Nigeria, with its office at House No. 348, Jamaina Road, Pompomari Bypass, Maiduguri, Borno State. In these terms, “we” means Kredit Technologies Limited; a “seller” is someone who offers their time through a WantMyTime link; a “buyer” is someone who books, or pays for a question or video from, that seller.

2. What WantMyTime does

Sellers publish a personal page where buyers pay for a call or a timed chat, send a paid question, ask for a paid video answer, or make an offer. We are not a party to the conversation or the answer itself. The seller alone decides what they offer and is responsible for it, including any licence, qualification or professional rule that applies to their work. We don’t verify sellers’ expertise.

Questions and video answers. A buyer pays when they send a question or ask for a video. The seller answers by text, voice note or video, or declines. A seller can also block a buyer. If the seller declines, does not answer in time (48 hours for a text or voice answer, 5 days for a video), or the buyer withdraws before an answer, the buyer is refunded. After the seller has answered, the payment is not refunded unless a problem is reported and settled under section 7. Anyone who has the answer link can open the answer even when the question is hidden. The buyer controls whether the question appears and whether the seller may feature the answer on their public page.

3. Accounts

You sign in with a code sent to your email address, so whoever controls that inbox controls the account. Buyers can book without an account; the booking is tied to the email address they give. You must be at least 18, and the information you give must be true. One person, one seller link.

4. Prices, fees and currency

The seller sets the price (or agrees one through an offer). The price is in the currency of the country the seller is paid in, and buyers see it before they pay.
WantMyTime keeps the platform fee shown for each format under Your link. The fee can differ between calls/chats and questions/videos. Your setup shows the amount you receive for each price.
The buyer pays the payment provider’s charge for the way they choose to pay (bank transfer, pay with bank, mobile money), including the charge for sending the seller their payout, on top of the price. The total is shown before they pay.

Referral rewards. A host who joins through another host’s booking page or invite link (the first page they visited, within 30 days), or who creates their link from the receipt of a booking they paid for, is linked to the host who brought them in. When that new host’s first booking is completed, our platform fee on it is given to the host who brought them in as booking credit, provided both of them are paid in the same currency. The credit automatically offsets the cost of bookings you make on WantMyTime while logged in. The new host pays the normal fee on that booking. A booking counts as completed once its payout is released with nothing refunded. Unused booking credits expire 12 months after they are earned and cannot be redeemed for cash outside booking discounts. We may withhold rewards gained by fake accounts or self-dealing.

5. How payment works

Buyers pay WantMyTime through our licensed payment provider when they book. A booking is confirmed only when the provider confirms the payment. We hold the money until after the call, and until the buyer’s window to report a problem (two hours after the call ends) has passed, and then pay the seller their share, normally about three hours after the call. For a question or video, we hold the money until the seller has answered, and then for the same problem window, before paying the seller. A pay-with-bank or mobile money payment can take one more working day to reach us before it can be paid out. We do not take card payments. If a payment arrives after the time was taken, or a buyer pays twice, we return that payment in full.

6. Cancellations and refunds

Every call and chat booking uses the same cancellation rule: a buyer who cancels at least 24 hours before the start gets a full refund; after that, no refund. The rule is shown before payment.
A buyer who cancels gets back what that rule allows; the transaction charge is not returned.
If the seller cancels, or a report that the seller did not join stands, the buyer gets everything back, including the transaction charge, and the seller is not paid for that booking.
A buyer can ask the seller for a full refund outside this rule. The seller decides.
Refunds go back to the account the buyer paid from. Banks can take up to 10 working days to show them. Any part of the price that was paid with booking credit comes back as booking credit, not as money.

7. Problems and no-shows

Either person can report that the other didn’t join, from 10 minutes after the start until two hours after the end. The other person can dispute it within 24 hours; if they don’t, it stands. A buyer can report any other problem within two hours of the end. For a question or video, the buyer can report a problem with the answer within the problem window shown on the request, and the same steps apply. The seller then has 24 hours to refund all or part of the price, or to disagree; if the seller does not answer, the buyer is refunded the price in full. The seller’s payout for that booking waits until the report is settled. We decide only reports the other person disputes, on the evidence both people give us, and can refund part or all of a payment. Our decision on a report is final as far as WantMyTime is concerned, without affecting any rights you have in law.

8. Seller obligations

Keep your availability accurate and turn up to your bookings.
Provide a working meeting link (or let us create one), answer the questions and video requests you accept within the time allowed, and deliver what your page offers. Do not send a buyer anything unlawful, or anything you do not have the right to share.
Give us payout details for an account in your own name or your business’s name. For your protection, payouts to a changed account start 24 hours after the change.
If a refund is made after you have been paid, the refunded share of your earnings is recovered from your later payouts.
You are responsible for your own taxes on what you earn.

9. Acceptable use

You must follow our acceptable use policy. We can pause a link, hold payouts related to suspected fraud or abuse, or close an account that breaks these terms, and we will tell you why unless the law or an investigation prevents it.

10. Liability

We provide the booking and payment service with reasonable care and skill. We are not responsible for what is said or advised in a conversation, or for a seller’s or buyer’s conduct. To the extent the law allows, our total liability for any booking or request is limited to the amount paid for it. Nothing in these terms limits liability that cannot be limited by law.

11. Privacy

How we handle personal data is set out in our privacy notice.

12. Changes and law

We may update these terms; the version in force when a booking or request is made applies to it, and we will tell sellers by email about changes that affect them. These terms are governed by the laws of the Federal Republic of Nigeria. If you live elsewhere, you keep the protections of your own country’s consumer law.

13. Contact

Questions or complaints: [email protected].

Effective date: 1 October 2026.