Amanda is a strict savings AI agent built by Amanda Technologies for Nigeria. It lives in a mobile app chat: it helps you understand spending, hard-locks outbound transfers when you are most likely to overspend, and keeps you accountable to savings goals.

How does the 7PM lock work?

Amanda's hard lock blocks outbound transfers from 7PM until morning. You can still check balances and chat with Amanda during that window. The goal is to stop late-night impulse transfers, food runs, and "just this once" spending when willpower is weakest.

Do I need to download another app?

Yes. Amanda is its own app — a chat-first savings agent, not another cluttered banking dashboard. Open Amanda, talk to it like a partner, and the hard lock and spend clarity live there.

Is my money safe with Amanda?

Yes. Customer funds are held with Rubies Microfinance Bank. Amanda is the discipline and accountability layer on top of that banking relationship, not a place where money disappears into a black box. Amanda uses device locks, PINs, and NDPC-aligned data protection practices.

Amanda is for people in Nigeria who know they should save but keep negotiating with themselves: ADHD spenders, emotional spenders, salary burners, and anyone tired of budgeting apps they forget to open. If chat is already how you get things done, Amanda meets you there.

What if I lose my phone?

You can freeze your Amanda account instantly from the Block Account page on this site, then message support to unblock when you are ready. Amanda pauses payment activity and guides you through recovery.

How do I join Amanda?

Tap Join Amanda on this site to get started, complete a short setup, set a savings goal, and move money in. After that, Amanda handles the hard lock and accountability so you do not have to rely on willpower alone.

Is Amanda an app or a bank?

Amanda is a mobile savings app and AI chat. Banking services and fund holding are provided through Rubies Microfinance Bank, while Amanda Technologies builds the product experience.

So, how do we handle your data?

Clear roles, clear bases for processing, and rights you can exercise anytime.

Contact support

Last updated: August 11, 2026

Registration

NDPC/DCP/11710

Amanda Global Limited is a registered data controller/processor of major importance with the Nigeria Data Protection Commission.

Entity

Amanda Global Limited

Product

Amanda · Amanda Technologies

Channel

WhatsApp + useamanda.com

Who this covers.

Merchants of one: anyone using Amanda on WhatsApp, on the site, or on our waitlist.

This policy applies to people who use Amanda through WhatsApp, visit www.useamanda.com, join our waitlist or newsletter, use account block/unblock flows, or otherwise interact with Amanda websites, applications, and connected channels (including WhatsApp where integrated).

Amanda Global Limited ("Amanda", "we", "us", or "our") operates Amanda as an Amanda Technologies product. By using our services, you acknowledge the practices described herein.

Roles & partners.

We are the controller for Amanda account data. Rubies holds customer funds. Meta powers WhatsApp delivery.

As a data controller: Amanda is the controller for personal data we collect to operate the product: WhatsApp identifiers, preferences you share, waitlist emails, support messages, and website analytics.

Bank: Customer funds related to Amanda savings are held with Rubies Microfinance Bank. Rubies remains responsible for banking, settlement, and regulated financial records. We exchange information with Rubies only as needed to deliver the service and meet legal obligations.

As a data processor: In limited cases where we process personal data solely on another organisation's documented instructions under a DPA, we act as a processor for that activity.

What we collect.

Only what we need to run strict savings on WhatsApp: identity, messages, and technical signals.

3.1 Data you provide

Identity data: full name and, where required for KYC or account recovery, government-issued ID details.

Contact data: email address, WhatsApp-linked phone numbers, and other contact details you share.

Savings preferences: goals, lock windows (for example the 7PM transfer lock), and instructions you send on WhatsApp.

Financial data: where needed to open or operate a savings relationship, identifiers such as BVN/NIN and settlement or wallet account details may be processed with our banking partner.

3.2 Meta / WhatsApp

Message metadata: timestamps, delivery/read status, and sender/receiver identifiers.

Conversation content: temporary processing of text so Amanda can understand intent, answer spending questions, and apply discipline features such as transfer locks.

3.3 Technical data

Essential cookies for sessions; analytics (Google Analytics / Vercel Analytics where enabled); IP addresses, browser types, and OS versions for security and reliability.

Why we process it.

Contract, law, legitimate interests, and consent. Never more than the basis allows.

Contractual necessity: to provide Amanda savings and WhatsApp agent services.
Legal obligation: AML/CFT, NDPA, and obligations tied to regulated banking partners.
Legitimate interests: fraud detection, platform security, and privacy-preserving product improvement.
Consent: where required (for example certain marketing). You may withdraw anytime.

AI, carefully.

Models help with chat and discipline. We don’t sell your messages to AI labs.

Amanda uses proprietary and third-party AI models to power WhatsApp conversations, spending insights, and savings discipline features.

No data sale: we do not sell personal data or message content to third-party AI labs.
Privacy-first AI: systems are configured to identify and redact sensitive financial information (such as full card numbers) before processing where possible.

Your rights.

Access, fix, delete, export, subject to Nigerian retention rules.

Access : request a copy of your personal data.
Rectification : correct inaccurate data.
Erasure : request deletion, subject to regulatory retention.
Portability : export in a structured, machine-readable format.

Talk to our DPO.

Questions, complaints, or rights requests. We respond. You can also escalate to the NDPC.

Data protection officer

Ndubueze Ikechukwu Samuel

25, Herbert Macaulay Way, Yaba, Lagos State, Nigeria.

safayasamuelsikechukwu@gmail.com +234 707 706 9738

If you are unsatisfied with our response, you may lodge a complaint with the Nigeria Data Protection Commission (NDPC).