Viapa

+1 720 645 6094
Logo
icon

Terms of Use – Viapa AI Effective Date: September 15th, 2025 By using Viapa AI, you agree to these Terms of Use. 1. Acceptance of These Terms By…

Title: Terms of Use
Date: November 5, 2024

Terms of Use – Viapa AI

Effective Date: September 15th, 2025

By using Viapa AI, you agree to these Terms of Use.

1. Acceptance of These Terms

By downloading, accessing, or using the Viapa mobile application (the “App”) or any related services (together, the “Services”), you agree to these Terms of Use (“Terms”).

If you do not agree, please do not install or use the App.

These Terms apply to users on iOS (Apple App Store) and Android (Google Play Store).

2. App Store & Google Play Disclaimer 

This agreement is between you and Viapa, not Apple Inc. or Google LLC.

  • Apple and Google are not responsible for the App or its content

  • Apple and Google have no obligation to provide support for the App

  • Any claims relating to the App must be directed to Viapa, not Apple or Google

Apple and Google are third-party beneficiaries of these Terms and may enforce them where applicable.

3. About Viapa and the App

Viapa is a technology and AI-powered orchestration platform designed to assist users with digital interactions, workflows, and payment initiation through integrations with third-party providers.

Important Non-Custodial Notice

  • Viapa does not hold customer funds

  • Viapa does not store payment card details

  • Financial transactions are handled by regulated third-party providers

4. Eligibility & User Responsibilities

You confirm that:

  • You meet the minimum legal age required in your country

  • You have the legal capacity to accept these Terms

  • You will use the App only for lawful purposes

You are responsible for:

  • Maintaining the confidentiality of your account

  • All activity that occurs under your account

5. AI Features Disclosure 

Viapa includes AI-powered features intended to assist users.

You acknowledge that:

  • AI responses are automated and informational

  • AI outputs may be inaccurate or incomplete

  • AI does not provide professional, legal, financial, or medical advice

  • You remain responsible for decisions made based on AI output

Viapa uses human oversight and does not allow AI to make irreversible decisions without review.

6. Acceptable Use

You agree not to:

  • Use the App for illegal, harmful, or fraudulent activities

  • Attempt to bypass security or access unauthorized data

  • Upload malicious code or harmful content

  • Use AI features to impersonate others or generate deceptive content

We may suspend or terminate access if these rules are violated.

7. Payments & In-App Purchases

  • Payments, subscriptions, or in-app purchases (if applicable) are processed through third-party payment providers

  • Viapa does not control app-store billing processes

8. Intellectual Property

All content and software within the App belong to Viapa or its licensors.

You may not:

  • Copy, modify, reverse-engineer, or redistribute the App

  • Use Viapa branding without permission

9. User Content

If you submit content through the App:

  • You retain ownership

  • You grant Viapa a limited license to use it to operate and improve the Services

You are responsible for ensuring your content complies with the law.

10. Privacy & Data Use

Your use of the App is governed by our:

  • Privacy Policy

  • Cookie Policy

  • Data Processing Addendum (where applicable)

These documents explain how we collect, use, and protect your data.

11. App Availability & Updates

Viapa may:

  • Update the App automatically or manually

  • Add, remove, or change features

  • Temporarily suspend access for maintenance

We do not guarantee uninterrupted availability.

12. Termination

You may stop using the App at any time.

Viapa may suspend or terminate access if:

  • You violate these Terms

  • Required by law or regulation

  • Necessary to protect users or the platform

13. Disclaimers

The App is provided “as is” and “as available.”

To the extent permitted by law, Viapa disclaims all warranties, including implied warranties of merchantability and fitness for a particular purpose.

14. Limitation of Liability 

To the extent permitted by law, Viapa is not liable for:

  • Indirect or consequential damages

  • Loss of data or profits

  • Errors from third-party services or AI output

Total liability will not exceed the amount you paid (if any) for the App in the last 12 months.

15. Indemnification

You agree to indemnify Viapa from claims arising from:

  • Your misuse of the App

  • Your violation of these Terms

  • Your violation of laws or third-party rights

16. Governing Law

These Terms are governed by applicable local law, without regard to conflict-of-law principles.

17. Changes to These Terms

We may update these Terms from time to time.

Continued use of the App after updates means you accept the revised Terms.

18. Contact Information (App Store Requirement)

Viapa – Legal & Compliance Team

📧 Email: privacy@viapaai.com

🌐 Website: https://www.viapaai.com

Austine Itebalumeh – Social Media Specialist

Profile Summary

Austine Itebalumeh is the Social Media Specialist at Viapa AI, shaping the brand’s voice and engagement strategy across global platforms. He develops campaigns that communicate Viapa’s mission and foster authentic user connections.

Core Competencies

– Strategic content development and campaign management
– Community engagement and user feedback
– Analytics and performance optimization
– Cross-team collaboration with design and product units

Professional Philosophy

Austine believes social media is about building conversations, not just broadcasting. His focus is on creating authentic, value-driven content that aligns with Viapa’s vision of human-centered AI.

Williams Omoruyi – Product Designer

Profile Summary

William Omoruyi is a Product Designer at Viapa AI, where he translates advanced AI technologies into intuitive, human-centered designs. He specializes in crafting seamless user experiences across mobile and web platforms.

Core Competencies

– User-centered design, prototyping, and usability testing
– Visual and brand-consistent design across interfaces
– Interaction and motion design to humanize AI
– Scalable design systems for efficient collaboration

Design Philosophy

William believes design should empower users by making AI understandable and inclusive. He ensures every interface builds trust and enhances user experience.

Tofunmi Stephen Adeagbo – Software Engineer

Profile Summary

Tofunmi Adeagbo is a Software Engineer at Viapa AI, responsible for backend logic, APIs, and integrations powering the Viapa Wallet and Espees currency. He ensures platform scalability, reliability, and security.

Core Competencies

– Backend development & secure API design
– Database optimization and management
– Cross-platform engineering (web & mobile)
– Agile development methodologies

Professional Philosophy

Tofunmi believes in writing clean, efficient code that solves real-world problems and improves lives. His goal is to contribute to technology that empowers communities.

Jeffrey Osahon Idehen, M.Sc, MBA

– Cloud Architect

Profile Summary

With over 12 years of IT leadership experience and 10+ global industry certifications, I specialize in architecting scalable fintech, cloud, and AI-driven solutions that deliver measurable impact. My work has generated $10M+ in revenue growth and enhanced financial accessibility for millions worldwide through digital transformation and technical innovation.

As Co-Founder and Chief Cloud Architect, I bring deep expertise in business development, business analysis, and project management, managing multi-million-dollar portfolios and guiding cross-functional teams to deliver solutions that align with business strategy and client needs.

Key Accomplishments:

Fintech Innovation & Scale: Contributed to the Ericsson Wallet Platform, powering 400M+ mobile wallets, processing $40B+ monthly transactions, and enabling digital wallet expansion across 24 countries.

Strategic Technology Leadership: Designed fintech, cloud, and AI solutions that boosted market penetration, optimized operations, and drove revenue growth.

Cloud & AI Integration: Implemented AI-powered strategies and cloud-native solutions that improved automation, efficiency, and customer experience.

Career Trajectory: Advanced from intern to Fintech SME in just 5 years, leading engineering operations, systems integration, and regulatory compliance.

Certifications:
Fintech (HarvardX) • Project Management (MITx) • AI: Business Strategies & Applications (UC Berkeley) • Digital Transformation (UC Berkeley) • Executive Leadership (Oxford Saïd) • CXO Strategies (Cambridge Judge) • Certified Digital Financial Practitioner (Tufts) • PMP (PMI) • CSM (Scrum Institute)

Marian Tolofari – Chief Security Officer (CSO)

Profile Summary

Marian Tolofari leads cybersecurity and compliance at Viapa AI. She brings more than six years of specialized expertise in incident response, threat intelligence, and forensics, with past roles at TCS USA, Comcast, Morgan Stanley, and Xcel Energy.

Key Achievements

– Developed enterprise-grade security frameworks at Fortune 500 companies.
– Led multiple incident response and forensics investigations.
– CEO of Kemafy LLC, delivering IT security consulting and digital transformation services.

Professional Philosophy

Marian is committed to ensuring Viapa’s growth is matched with uncompromising standards of trust, resilience, and compliance. She believes security must be proactive, adaptive, and transparent.

 

I. Kennedy Yinusa – Chief Technology Officer (CTO)

Profile Summary

Kennedy Yinusa is an award-winning AI/ML specialist and technology leader who defines Viapa’s engineering vision. He has over a decade of experience across EdTech, FinTech, InsurTech, and non-profit sectors in the UK, US, Canada, and Africa. Kennedy has delivered multi-agent systems, Retrieval-Augmented Generation pipelines, and multilingual AI solutions adopted at scale.

Recognitions

– Thinkers360 Top 50 in EdTech (2023, 2025)
– Dexie Global Hackathon (3rd place, CoTaskAI)
– Rasa AI Building Challenge (Best New Feature Idea, MailoBot)
– Google Maps Platform award nominee

Professional Philosophy

Kennedy’s mandate at Viapa is to make advanced AI feel natural, private, and dependable, through rigorous architecture, DevOps discipline, and measurable user outcomes.

 

Kenneth James – Chief Executive Officer (CEO)

Profile Summary

Kenneth James is the visionary Founder & CEO of Viapa Ltd, where he leads the mission to build a connected AI-powered ecosystem that unites payments, e-commerce, delivery, transport, and community services through one secure platform. He combines years of experience in cybersecurity, IT consulting, and real estate investment with a passion for solving complex problems through innovative, scalable solutions.

Key Achievements

– Founded Viapa Ltd, launching the first Parallex Bank-backed AI wallet system with Espees digital currency.
– Created Church Connect ERP, a comprehensive global church management system.
– Successfully delivered IT consulting, brand development, and security projects through Kemafy LLC.
– Spearheaded real estate developments, including multifamily residential projects in Colorado.

Leadership Philosophy

Kenneth believes that technology should empower communities, not just enterprises. He is dedicated to building platforms that merge financial inclusion, AI innovation, and human connection.