Official Policy Document

Dispute Resolution & Customer Complaints Policy

Version 1.0 — Effective 2026-11-02

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1. Purpose and commitment

UNCLETIM DIGITAL SOLUTIONS LTD ("UNCLETIM", "the Company") is committed to treating customers fairly, resolving complaints promptly, and using complaint feedback to improve its services, including wallet and payment services provided in partnership with 9 Payment Service Bank (9PSB).

2. How to complain

3. Handling timelines

4. Escalation

If a customer is dissatisfied with the outcome, the complaint is escalated to the Director for review. If it remains unresolved, the customer may escalate to 9 Payment Service Bank (9PSB) and thereafter to the Central Bank of Nigeria (CBN), whose contact details will be provided on request.

5. Records and review

All complaints are logged (date, customer, nature, actions taken, outcome) and retained in line with regulatory requirements. Complaint trends are reviewed monthly by the Director, and recurring causes are addressed through corrective action. This policy is reviewed annually.

Approved and signed:
Name: Olamide Timilehin Adedayo
Title: Director, Uncletim Digital Solutions LTD
Date: Date: 2 November 2026