Terms of use

Last updated 10 October 2026

Inside Life is an online life-simulation game set in Lagos, operated from Nigeria by iLaw Legaltech Solutions (“we”, “us”). By creating an account you agree to these terms. If you don’t agree, please don’t use the game.

Who can play

• You must be at least 13. If you’re under 18, a parent or guardian must agree to these terms and approve any purchase.
• One account per person. Don’t share, sell, rent or trade accounts. You’re responsible for everything done on yours.

Game naira and in-game items

• The naira in the game (“game naira”) is not money. It isn’t legal tender, isn’t issued or backed by the Central Bank of Nigeria, has no cash value, and can’t be withdrawn, redeemed or exchanged for real money or anything outside the game. The same goes for houses, cars, items, clout and everything else you earn or buy in the game.
• You get a licence to use them while you play; they belong to the game. Gifts, transfers and “spraying” between players move game naira only.
• We may rebalance the economy (prices, wages, rewards) and correct or remove game naira or items that came from bugs, exploits, fraud or reversed payments.

Buying things with real money

• You can buy game naira (top-ups), ad space and club song plays. Payments are processed by Flutterwave; we never see your card details.
• Prices are in naira. Where we offer it, you can pay in US dollars instead (card, Apple Pay or Google Pay): the dollar price is the naira price at our exchange rate shown at checkout, rounded up to the cent, and the game itself always stays in naira. Your bank may add its own fees for paying in another currency.
• The price and what you get are shown before you pay. Purchases are final once delivered. Refunds go back in the currency you paid in.
• If a payment goes through but you don’t receive what you paid for, or you’re charged twice, email [email protected] with your payment reference.

Ads and songs

• Every ad and song is reviewed before it runs. We can reject anything that breaks these terms or the law; rejected orders are refunded.
• Once an ad or song has started running, it can’t be cancelled or refunded.
• You must own or have permission to use everything you upload (images, logos, music). Songs can be at most 3 minutes long. You’re responsible for your ad’s claims and for the business behind it.

Betting

• Odogwu Odds, the in-game betting app, is a virtual football league played with game naira only. Stakes and winnings have no cash value and can never be withdrawn, sold or paid out in real money.
• You must be 18 or older (by your real date of birth, not your character’s age) to bet. We may ask you to confirm your date of birth first.
• You always bet against the game, never against other players, and no money moves between players through it. Odds include a house margin of about 7%, so over time the house wins.
• Results are drawn by the server from a secret seed before kickoff and can’t be influenced by anyone. No bets are accepted at or after kickoff. Settled bets are final, except where we correct a bug or an exploit.
• You can set a daily loss limit, get reality-check reminders and take a break of 1, 7 or 30 days. A break can’t be ended early. If betting with real money is a problem for you, please get support.

Playing fair and being decent

• No cheating, bots, exploiting bugs, multiple accounts to farm rewards, or tampering with the game or other players’ accounts.
• No harassment, hate, threats, scams, sexual content involving minors, or sharing other people’s private information.
• Chat, voice notes and photos must follow these rules. Photos are checked automatically before they’re sent.
• No buying or selling game naira, items or accounts for real money outside the game.

We can remove content, mute, suspend or close accounts that break these rules, and reverse what was gained by breaking them. Serious cases may be reported to the authorities. You can block and report players in the game.

Your content

You keep ownership of what you write, record or upload. You give us a worldwide, non-exclusive licence to store it, show it to the people it’s meant for, and moderate it while it’s in the game.

Deleting your account

You can delete your account in the game (Me → Settings). It stops working straight away and disappears from other players. We keep the records we need for payments, fraud prevention and the law (see the privacy policy). Changed your mind? Email us within 30 days and we can restore it.

The service

We work hard to keep the game running, but it’s provided as it is. It may be down for maintenance, change, or occasionally lose recent progress. The game is fiction (see the disclaimer). To the extent the law allows, we’re not liable for indirect losses, and our total liability to you is limited to what you paid us in the 12 months before the claim. Nothing here limits your rights under Nigerian consumer protection law.

Changes, disputes and contact

We’ll post changes to these terms here and tell you in the game when they matter. If something goes wrong, contact us first and we’ll try to sort it out. These terms are governed by the laws of the Federal Republic of Nigeria. Questions: [email protected].