1. Introduction

Onebuddy Nigeria Limited ("Cashbuddy," "we," "our," or "us") is a financial technology company that offers financial services and products. These Terms of Use govern your access and use of our services and website ("Platform"). By accessing or using the Cashbuddy Platform, you agree to be bound by these Terms of Use. Please read these Terms of Use carefully before using the Platform. You must not access or use the Platform if you do not agree to these Terms of Use.

1. About Us

Onebuddy Nigeria Limited is a financial technology company that offers payments and rewards solutions for businesses and consumers. We provide online payment gateway solutions that enable users to make payments for goods and services and business reward customers through physical and virtual cards thereby facilitating seamless payment and reward experiences for Africans.

2. Acceptance of Terms

These Terms of Use constitute an agreement between you and Cashbuddy. They detail our obligations to you and govern your use of the Platform and the services available on the Platform. You must consider the risks associated with using our services as outlined in these Terms of Use. By using this website, mobile applications, or any of our services, you are bound by the provisions of these Terms of Use.

3. Definition of Terms

• "Clients" refer to the users or customers of Cashbuddy's services.

• "Non-Registered Users" are individuals who can browse the content of the Platform from the landing page without registering.

• "Registered Professionals & Businesses" are corporations that have registered and use the platform to offer their services to potential consumers.

• "Service Page" is the section of the Platform where users or customers can access the various services provided by Cashbuddy.

• "Service(s)" refers to the services offered on Cashbuddy's Platform.

• "User" refers to the various stakeholders involved in using Cashbuddy's Professional Platform.

4. Registration

To access certain features on the Platform, you may need to provide personal and/or demographic information during the registration process. You agree to provide accurate, current, and complete information about yourself and to keep this information up-to-date. Safeguarding the confidentiality of your account password is your responsibility, and we are not liable for any loss or damage arising from your failure to protect your password or account information. You authorize us, directly or through third parties, to conduct any necessary inquiries to validate your identity. This may include requesting further information, requiring a biometric verification number (BVN), confirming ownership of your email address or financial instruments, ordering a credit report, or verifying your information against third-party databases or other sources.

5 User Representation

By using the Platform, you represent, warrant, and agree that no materials submitted through your account or posted/shared by you on the Platform will violate or infringe upon the rights of any third party. You further agree not to collect users' email addresses or other contact information from the Platform for unsolicited communications. You will not use automated scripts to collect information from the Platform or use it unlawfully or in a way that could damage, disable, overburden, or impair the Platform.

6. Age Restriction

To register for our services on the Platform, you must be at least 18 years of age and legally able to enter into a binding contract in your jurisdiction. If you accept these Terms and use the services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so.

7. Intellectual Property

Cashbuddy and/or its licensors own the intellectual property rights and materials on the Platform, including text, graphics, animations, music, videos, articles, logos, and other information. You are granted a non-assignable, non-exclusive, and revocable license to use the software provided as part of our services in accordance with these Terms. You may not copy, reverse engineer, modify, or distribute the Platform's materials without explicit authorization. Any unauthorized use may infringe upon our intellectual property rights.

8. Information Security and Warranty Disclaimer

Cashbuddy strives to ensure the availability and bug-free operation of the Platform. However, your use of the Platform is at your own risk. We provide all materials "as is" without any warranty, express or implied. We do not warrant the accuracy, completeness, availability, security, or non-infringement of intellectual property rights of the Platform and its services. You are responsible for configuring your information technology, computer programs, and platform to access our services and protect against viruses or bugs. We do not guarantee uninterrupted or error-free access to the Platform. You are responsible for configuring your information technology, computer programmes, and platform in order to access our Services. Please ensure you use your virus protection software or application as we cannot guarantee that our Services will be free from viruses or bugs. You must not attempt to gain unauthorized access to our Services, computers, or databases. You must not misuse our Services by introducing trojans, viruses, or other malicious or technologically harmful materials.

9. Limitation of Liability

Your use of the Cashbuddy Platform and services is at your own risk. To the maximum extent permitted by applicable law, Cashbuddy will not be liable for any direct, indirect, incidental, punitive, consequential, special, or exemplary damages, including damages resulting from revenue loss, profit loss, use, data, goodwill, or business interruption. This limitation of liability applies whether the damages are based on warranty, tort, contract, statute, or any other legal theory. Some jurisdictions do not allow the exclusion of certain warranties or limitations on the scope and duration of such warranties, so the above disclaimers may not apply to you in their entirety but will apply to the maximum extent permitted by applicable law.

10. Indemnification

You agree to indemnify and hold Cashbuddy, its staff, and affiliates harmless from any losses, damages, costs, liabilities, and expenses arising from your breach of these Terms or any claim that you have breached these Terms. You will indemnify and hold Cashbuddy harmless from any claim, suit, or proceedings brought against Cashbuddy arising from or in connection with violations of intellectual property or other rights of third parties related to your use of the Platform.

11. Breach of Terms

If you breach these Terms, Cashbuddy may take appropriate action, including but not limited to suspending your access to the Platform, prohibiting your access, blocking your IP address, or bringing legal proceedings against you. We have the right to deny your access to the Platform and suspend or terminate your access to the Platform for any reason, including any violation by you of these Terms of Use or any suspicion or proven case of fraud or attempted fraud or use of our platform for any prescribed illegal purposes.

12. Cookies and Data Protection

Cashbuddy uses cookies to identify you as a user and customize and improve our services. By using our services, you consent to the use of cookies. Cashbuddy recognizes the importance of protecting users’ privacy and complies with applicable data protection regulations. Please refer to our Privacy Policy for more information on how we collect, store, and use personal information. Cashbuddy recognizes the importance of protecting the privacy of those who visit and choose to use Cashbuddy Services. Cashbuddy remains compliant with the Payment Card Industry Data Security Standard (PCI/DSS) requirement to the extent applicable. Please note that such requirements may be amended from time to time. With respect to all the Personal Information belonging to, and/or processed in connection with Cashbuddy or this website, such Personal Information at all times are in compliance with all Data Protections Laws in the territory, in all respect and in particular the Nigeria Data Protection Regulation 2019 and all applicable data protection regulation in force.

13. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising out of these Terms shall be submitted to the non-exclusive jurisdiction of the courts located in Nigeria.

14. Changes to This Terms of Service

Cashbuddy reserves the right to change, revise, or modify these Terms. The most current version of the Terms will always be available on the Platform and govern our relationship with you. We will try to notify you of any material changes via email or service notifications. By continuing to use our services after the changes become effective, you agree to be bound by the revised Terms.

15. How to Contact Us

If you have any questions or suggestions about this Terms of Service, do not hesitate to contact us at support@cashbuddy.ng