Terms and Conditions of Use

To use the Platform, you must create an account by providing all information requested during registration.

This information may include:

1. Full name;
2. Mobile telephone number;
3. Email address;
4. Date of birth;
5. Residential address;
6. National Identification Number (NIN);
7. Bank Verification Number (BVN);
8. Government-issued identification;
9. Selfie or biometric verification;
10. Any additional information required by applicable law.

Registration does not automatically guarantee account activation.

Your account will only become fully operational after completion of all applicable verification requirements.

Each individual is permitted to maintain only one primary account unless otherwise approved by Trybesave.

Multiple accounts established to circumvent transaction limits, promotional campaigns, security controls or regulatory requirements may be suspended or permanently closed.

You are responsible for ensuring that all information supplied remains accurate and current.

You agree to promptly notify us of any change to your identity, address, telephone number, email address or other registration information.

Trybesave shall not be responsible for losses arising from inaccurate or outdated information supplied by you.

You are responsible for maintaining the confidentiality of your login credentials, security PIN, passwords, biometric authentication and one-time passwords (OTPs).

Any instruction authenticated using your approved security credentials shall be deemed to have been authorized by you unless proven otherwise.

We may decline, suspend, restrict or terminate any account where:

1. required verification cannot be completed;
2. fraudulent information has been supplied;
3. suspicious activity is detected;
4. regulatory instructions require such action;
5. continued operation may expose the Platform or its Licensed Financial Partners to unacceptable risk.

ChequeIn provides digital savings solutions designed to help users achieve their financial goals through disciplined saving and money management. Savings products may include personal savings, target savings, group savings, automated savings, recurring savings, challenge savings, emergency savings, and any other savings products introduced from time to time.

Savings services are made available through the Platform in collaboration with licensed financial institutions and are subject to applicable regulatory requirements.

You authorize Trybesave to process your savings instructions, including recurring transfers, scheduled contributions, automatic deductions and withdrawals, in accordance with your selected preferences.

You are solely responsible for ensuring that sufficient funds are available to execute your savings instructions.

The Platform allows you to create one or more savings goals with specified target amounts and target dates.

The progress displayed for any savings goal is informational only and does not constitute a guarantee that the target amount will be achieved.

Certain savings products may restrict withdrawals until the maturity date selected by you.

Where you elect to lock your savings, withdrawals before maturity may:

1. be prohibited;
2. attract an early withdrawal charge;
3. result in the forfeiture of accrued interest or rewards; or
4. be subject to additional terms applicable to the specific savings product.

The applicable terms shall be disclosed before you activate the relevant savings plan.

The transaction history and savings balances displayed within the Platform shall constitute prima facie evidence of your savings activity unless proven otherwise.

Trybesave reserves the right to correct any computational, technical or clerical error affecting your savings records.

Where applicable, eligible savings products may earn interest.

Interest shall only accrue where expressly stated for the applicable savings product.

Interest rates are determined by the licensed financial institution providing the savings product and may vary based on:

1. prevailing market conditions;
2. regulatory directives;
3. product type;
4. tenure;
5. promotional campaigns;
6. applicable monetary policy; or
7. other lawful considerations.

Trybesave does not guarantee any minimum or fixed rate of return unless expressly stated.

Interest may accrue daily, monthly or at such intervals specified for the applicable product.

The applicable calculation methodology shall be determined by the relevant licensed financial institution and disclosed through the Platform or the relevant product terms.

Interest payments may be subject to withholding tax or any other statutory deduction required under Nigerian law.

Any applicable taxes shall be deducted before interest is credited to your account.

Interest rates may be revised from time to time in accordance with applicable law and regulatory requirements.

Where required, users shall receive reasonable notice of material changes through the Platform or other approved communication channels.

Subject to successful verification and applicable transaction limits, the Platform enables users to:

1. transfer funds;
2. receive payments;
3. pay merchants;
4. purchase airtime and data;
5. pay utility and subscription bills;
6. make QR code payments where available;
7. perform account-to-account transfers;
8. access additional payment services introduced from time to time.

Every payment instruction authenticated using your registered credentials, security PIN, biometric authentication or one-time password shall be deemed authorized by you.

Trybesave may rely on such authentication when processing transactions.

Payment limits may vary depending on:

1. your KYC verification level;
2. applicable CBN regulations;
3. fraud prevention requirements;
4. internal risk assessments;
5. product-specific limitations.

Transaction limits may be revised without prior notice where required by law or for security reasons.

Although most payments are processed in real time, processing may be delayed due to:

1. network interruptions;
2. scheduled maintenance;
3. regulatory reviews;
4. security checks;
5. third-party system failures;
6. force majeure events.

Trybesave shall not be liable for delays beyond its reasonable control.

Where a transaction fails after your account has been debited, reversal shall be processed in accordance with applicable regulations and operational procedures.

Resolution timelines may vary depending on the nature of the transaction and the systems involved.

You are solely responsible for confirming that all payment details supplied by you are accurate before authorizing a transaction.

Trybesave shall not be liable for losses arising from payments made to incorrect beneficiaries based on information provided by you.

The Platform may provide access to credit products, overdrafts, salary advances, Buy Now Pay Later (BNPL) services and other lending solutions offered by licensed financial institutions.

Availability of lending products shall be subject to regulatory approval and eligibility.

Applications for credit may be assessed using:

1. credit bureau information;
2. transaction history;
3. repayment history;
4. income patterns;
5. savings behaviour;
6. AI-powered risk models;
7. Wellness Score;
8. fraud detection systems;
9. other lawful credit assessment criteria.

Submission of an application does not guarantee approval.

By applying for or accepting any lending product, you authorize Trybesave and its licensed financial partners to obtain, verify and share your credit information with licensed credit bureaus and other authorized institutions in accordance with applicable law.

Loan repayments shall become due in accordance with the applicable loan agreement.

Where authorized by you or permitted by law, repayments may be deducted automatically from your Wallet or other linked accounts.

Failure to repay any credit facility may result in:

1. additional interest;
2. default charges;
3. suspension of lending services;
4. reporting to licensed credit bureaus;
5. debt recovery measures;
6. legal proceedings where necessary;
7. any other lawful enforcement action.

ChequeIn uses artificial intelligence, machine learning and data analytics to improve your financial management experience.

AI-powered features may include:

1. automatic expense categorization;
2. budgeting assistance;
3. spending pattern analysis;
4. cash flow forecasting;
5. bill reminders;
6. savings recommendations;
7. fraud detection;
8. personalized financial insights;
9. credit risk analysis;
10. Wellness Score generation;
11. personalized product recommendations;
12. other intelligent features introduced from time to time.

Certain decisions on the Platform may be generated or assisted by automated systems.

These decisions may include transaction monitoring, fraud prevention, eligibility assessments, financial recommendations and preliminary credit evaluations.

Where required by applicable law or internal policy, significant financial decisions shall be subject to additional review by authorized personnel or our licensed financial partners.

By using the Platform, you consent to the use of artificial intelligence technologies to analyse your financial data for the purposes described in these Terms and our Privacy Policy.

You acknowledge that AI-generated insights are intended to assist your financial decision-making and should not be regarded as financial, investment, legal or tax advice.

Where a material automated decision significantly affects your access to certain financial services, you may request a manual review by contacting our Customer Support team.

Trybesave reserves the right to determine whether a manual review is appropriate, having regard to applicable laws, regulatory obligations and the nature of the decision.

To improve the quality, security and accuracy of our AI systems, anonymized and aggregated data may be used for system training, testing, quality assurance and product enhancement in accordance with applicable data protection laws.

The Wellness Score is ChequeIn's proprietary financial wellness indicator designed to provide users with a comprehensive assessment of their overall financial health.

The score is intended to encourage positive financial habits and improve long-term financial wellbeing.

Your Wellness Score may be generated using one or more of the following factors:

1. savings consistency;
2. spending behaviour;
3. budgeting performance;
4. income stability;
5. debt management;
6. repayment history;
7. financial discipline;
8. transaction frequency;
9. account activity;
10. goal completion;
11. AI-generated behavioural indicators;
12. other lawful financial metrics.

The methodology used to generate the Wellness Score may be modified periodically to improve accuracy and reliability.

Subject to applicable law and your consent where required, your Wellness Score may be used to:

1. provide personalized financial recommendations;
2. recommend suitable savings products;
3. determine eligibility for rewards;
4. improve budgeting assistance;
5. assess preliminary eligibility for credit products;
6. deliver customized financial education;
7. enhance your overall experience on the Platform.

The Wellness Score is an informational tool only.

It does not constitute a credit rating, guarantee loan approval, determine your legal rights, or replace any assessment conducted by a licensed financial institution.

You may access your Wellness Score through the Platform and may contact Customer Support where you believe the information used in generating the score is inaccurate or incomplete.

Trybesave reserves the right to verify such requests before making any adjustments.

Certain services available through the Platform may attract fees, charges, commissions, statutory levies or taxes.

Applicable charges may include, without limitation:

1. Transfer fees;
2. Bill payment service charges;
3. Airtime and data purchase charges;
4. Merchant payment charges;
5. Savings-related charges where applicable;
6. Loan processing or default charges applicable to credit products;
7. SMS notification charges where applicable;
8. Card-related charges where available;
9. Third-party service fees;
10. Government taxes and statutory levies.

A current schedule of applicable fees shall be made available within the Platform or through other approved communication channels.

Before completing a chargeable transaction, the Platform will display the applicable fees, where technically feasible.

By authorizing the transaction, you agree to the applicable charges.

Certain transactions may be subject to statutory deductions or government-imposed levies, including but not limited to the Electronic Money Transfer Levy (EMTL), withholding tax and any other charges prescribed by applicable law.

Such deductions shall be applied in accordance with prevailing laws and regulations.

Trybesave is not responsible for charges imposed by:

1. Mobile network operators;
2. Internet service providers;
3. Other financial institutions;
4. Payment schemes;
5. Third-party merchants;
6. Utility providers.

Fees may be revised from time to time to reflect changes in operational costs, regulatory requirements or the pricing of third-party service providers.

Where required by law or regulation, reasonable notice of material fee changes will be provided before they take effect.

To provide enhanced money management services, the Platform may allow you to connect eligible financial accounts maintained with participating financial institutions.

Such connections are intended to enable a consolidated view of your finances and improve the quality of the services available through the Platform.

By linking an external financial account, you expressly authorize Trybesave to access, retrieve and process the financial information necessary to provide the requested service.

Your consent applies only to the categories of data reasonably required for the selected feature and remains subject to applicable law.

Depending on the service requested, information accessed may include:

1. Account identification details;
2. Account balances;
3. Transaction history;
4. Income records;
5. Merchant information;
6. Standing orders;
7. Direct debit mandates;
8. Recurring payments;
9. Spending categories;
10. Other financial information relevant to the requested service.

Financial data accessed through connected accounts may be used to:

1. Generate financial insights;
2. Prepare spending reports;
3. Improve budgeting recommendations;
4. Calculate your Wellness Score;
5. Assess eligibility for financial products;
6. Detect fraud and unusual activity;
7. Improve AI-powered recommendations;
8. Comply with regulatory obligations.

You may disconnect linked financial accounts or withdraw your consent at any time through the Platform, subject to applicable legal and regulatory obligations.

Withdrawal of consent may affect the availability or functionality of certain services.

All Open Banking and financial data access services shall be conducted in accordance with applicable Nigerian laws, regulatory guidelines and industry standards as amended from time to time.

Trybesave respects your privacy and is committed to protecting your personal information.

Personal data is processed in accordance with the Nigeria Data Protection Act (NDPA), applicable CBN regulations and other relevant laws.

Our Privacy Policy forms an integral part of these Terms.

We may collect and process:

1. Identity information;
2. Contact details;
3. Biometric verification information;
4. Device information;
5. Location information where permitted;
6. Financial information;
7. Transaction records;
8. Payment history;
9. Communication records;
10. Customer support interactions;
11. Usage analytics;
12. AI-generated behavioural insights;
13. Any other information required to provide the Platform.

Your information may be processed to:

1. Verify your identity;
2. Open and maintain your account;
3. Deliver financial services;
4. Process transactions;
5. Detect fraud;
6. Prevent financial crime;
7. Generate financial insights;
8. Improve our products;
9. Comply with legal obligations;
10. Respond to regulatory requests;
11. Resolve complaints and disputes;
12. Conduct internal audits and risk management.

Your information may be shared only where necessary with:

1. Licensed financial partners;
2. Payment service providers;
3. Identity verification providers;
4. Credit bureaus;
5. Fraud prevention agencies;
6. Technology service providers;
7. Professional advisers;
8. Regulators;
9. Law enforcement agencies;
10. Courts or tribunals;
11. Other entities where disclosure is required or permitted by law.

Trybesave does not sell your personal information to advertisers.

Subject to applicable law, you may request to:

1. Access your personal information;
2. Correct inaccurate information;
3. Update your records;
4. Restrict certain processing activities;
5. Withdraw consent where consent is the legal basis for processing;
6. Request data portability;
7. Lodge complaints with the Nigeria Data Protection Commission.

Certain requests may be limited where continued processing is required by law or for regulatory compliance.

Personal information shall be retained only for as long as necessary to fulfil legal, regulatory, operational and contractual obligations.

Following expiry of applicable retention periods, data shall be securely deleted, anonymized or archived in accordance with applicable law.

Trybesave implements appropriate administrative, technical and organizational safeguards designed to protect the confidentiality, integrity and availability of customer information and financial transactions.

Security controls may include:

1. Encryption of data in transit and at rest;
2. Multi-factor authentication (MFA);
3. Secure application programming interfaces (APIs);
4. Fraud monitoring systems;
5. Continuous security monitoring;
6. Penetration testing;
7. Access controls;
8. Security audits;
9. Incident response procedures.

You are responsible for maintaining the confidentiality of your:

1. Password;
2. Security PIN;
3. One-Time Passwords (OTPs);
4. Authentication tokens;
5. Biometric credentials;
6. Recovery information.

You must not disclose your security credentials to any person.

You must immediately notify Trybesave if:

1. your device is lost or stolen;
2. you suspect unauthorized access to your account;
3. your login credentials have been compromised;
4. you become aware of any fraudulent transaction.

Delay in reporting may affect your ability to recover funds where permitted by law.

To protect customers and the integrity of the Platform, Trybesave may temporarily suspend transactions or restrict access where suspicious activity, fraud risks or security concerns are identified.

For security purposes, your account may be associated with one or more trusted mobile devices registered by you.

Access from an unrecognized device may require additional verification measures, including:

1. One-Time Password (OTP);
2. biometric authentication;
3. identity verification;
4. facial verification;
5. additional security questions; or
6. any other authentication method considered appropriate.

You are responsible for ensuring that only authorized persons have access to devices used to access the Platform.

Where available, you may manage trusted devices through your account settings.

If your registered device is lost, stolen or compromised, you must notify Trybesave immediately to enable us to restrict unauthorized access and implement appropriate security measures.

Trybesave is committed to protecting the Platform, its users, and its licensed financial partners from fraud, financial crime, cyber threats, money laundering, terrorism financing, identity theft, and other unlawful activities.

Accordingly, we employ automated monitoring systems, artificial intelligence, transaction analytics, fraud detection tools, and manual reviews to identify suspicious activities.

You acknowledge and agree that all activities conducted through the Platform may be monitored, screened and reviewed for the purpose of:

1. preventing fraud;
2. detecting unusual transaction patterns;
3. complying with AML/CFT/CPF obligations;
4. preventing unauthorized access;
5. identifying cybersecurity threats;
6. complying with regulatory directives;
7. protecting customers and the Platform.

Where we reasonably believe additional verification is required, we may request:

1. updated identification documents;
2. proof of address;
3. source of funds;
4. source of wealth;
5. proof of ownership of linked accounts;
6. supporting transaction documents;
7. biometric verification;
8. live facial verification; or
9. any other information reasonably required to satisfy legal or regulatory obligations.

Failure to provide requested information within the prescribed timeframe may result in restrictions on your account.

You agree to immediately notify Trybesave if you:

1. suspect fraud on your account;
2. discover unauthorized access;
3. lose your mobile device;
4. disclose your security credentials;
5. receive suspicious communications claiming to represent Trybesave;
6. become aware of any fraudulent transaction.

Reports should be made through the official customer support channels provided by the Platform.

Where required by law, Trybesave may report suspicious transactions or activities to the Nigerian Financial Intelligence Unit (NFIU), the Central Bank of Nigeria (CBN), law enforcement agencies, or any other competent authority without prior notice where legally permitted.

To protect users and comply with applicable law, Trybesave may, without prior notice where legally permitted:

1. decline transactions;
2. delay transaction processing;
3. place temporary holds on funds;
4. freeze or restrict accounts;
5. suspend access to services; or
6. terminate customer relationships.

Such actions may be taken where fraud, financial crime, regulatory concerns or security risks are reasonably suspected.

You are responsible for safeguarding your login credentials, passwords, security PINs, biometric authentication, one-time passwords (OTPs) and any other authentication credentials.

You must not disclose these credentials to any person.

If you believe that an unauthorized transaction has occurred, you must notify Trybesave immediately after becoming aware of the transaction.

Your report should include all information reasonably required to assist in the investigation.

Upon receiving a report of an unauthorized transaction, Trybesave may:

1. investigate the transaction;
2. request additional information or documentation;
3. temporarily restrict the affected account;
4. liaise with our licensed financial partners;
5. report the matter to law enforcement or regulators where required.

You may be responsible for losses resulting from:

1. sharing your security credentials;
2. authorizing another person to use your account;
3. gross negligence;
4. fraudulent conduct;
5. failure to promptly report unauthorized activity.

Where an unauthorized transaction results directly from:

1. a system malfunction;
2. internal operational error;
3. proven security failure attributable to Trybesave;
4. negligence by Trybesave or its authorized personnel,

Trybesave shall take appropriate corrective measures in accordance with applicable law, regulatory requirements and the operational procedures of its licensed financial partners.

Nothing in this section limits any statutory rights available to consumers under applicable Nigerian law.

By creating an account, you consent to receiving service-related communications that are necessary for the operation and security of your account.

These communications may include:

1. login notifications;
2. transaction alerts;
3. OTPs;
4. password reset messages;
5. fraud alerts;
6. security notifications;
7. payment confirmations;
8. savings reminders;
9. account updates;
10. regulatory notices;
11. maintenance notifications.

These communications are essential for the operation of the Platform and cannot be completely disabled while your account remains active.

Subject to applicable law, Trybesave may send you information regarding:

1. new products and services;
2. promotions and rewards;
3. referral programmes;
4. financial education;
5. budgeting insights;
6. personalized recommendations;
7. partner offers;
8. surveys;
9. newsletters.

Where you have provided the necessary consent, communications may be tailored using your transaction history, spending behaviour, savings activity, Wellness Score, AI-generated insights and other information processed in accordance with our Privacy Policy.

You may withdraw your consent to receive marketing communications at any time by:

1. updating your communication preferences within the Platform;
2. selecting the unsubscribe option provided in electronic communications; or
3. contacting Customer Support.

Withdrawal of marketing consent does not affect the delivery of mandatory service or regulatory communications.

Communications may be delivered through:

1. in-app notifications;
2. email;
3. SMS;
4. telephone calls;
5. push notifications;
6. WhatsApp or other messaging platforms officially designated by Trybesave, where applicable.

The Platform, including its software, source code, object code, APIs, databases, user interface, visual designs, graphics, logos, trademarks, service marks, business names, text, audio, video, AI models, algorithms, Wellness Score methodology and all related intellectual property rights are owned by or licensed to Trybesave.

Nothing in these Terms transfers any ownership rights to you.

Subject to your compliance with these Terms, Trybesave grants you a limited, personal, non-exclusive, non-transferable and revocable licence to access and use the Platform solely for your personal or internal business purposes.

Except as expressly permitted by applicable law, you shall not:

1. reproduce the Platform;
2. modify the Platform;
3. copy any content;
4. reverse engineer any software;
5. decompile or disassemble any application;
6. create derivative works;
7. remove copyright or proprietary notices;
8. distribute or commercially exploit any part of the Platform without prior written consent.

Any suggestions, ideas, recommendations or feedback provided by you concerning the Platform may be used by Trybesave without restriction or compensation, provided that such use does not infringe your legal rights or applicable law.

To protect users, comply with applicable laws, or preserve the integrity of the Platform, Trybesave reserves the right to suspend, restrict or temporarily disable your Account, Wallet or access to any Service without prior notice where permitted by law.

Your Account may be suspended where:

1. we are unable to verify your identity or KYC information;
2. you fail to comply with these Terms;
3. fraudulent or suspicious activity is detected;
4. your Account is reasonably suspected to have been compromised;
5. there is suspected money laundering, terrorist financing, proliferation financing or other financial

crime;

1. a regulatory authority, court or law enforcement agency issues a lawful directive requiring such

action;

1. your activities expose Trybesave, its licensed financial partners or other users to legal, regulatory,

operational or reputational risk;

1. there is a cybersecurity incident or security concern affecting your Account or the Platform;
2. there are outstanding compliance requests which remain unresolved; or
3. suspension is necessary to protect customer funds or the stability of the Platform.

During a period of suspension, Trybesave may:

decline or delay transactions;

1. restrict access to all or part of the Platform;
2. disable Wallet functionality;
3. suspend savings, lending or payment services;
4. prevent withdrawals where required by law;
5. require additional verification before restoring access.

Where the reason for suspension has been resolved to our satisfaction, Trybesave may restore access to your Account, subject to any additional verification or compliance requirements.

Restoration of access shall be at the sole discretion of Trybesave, subject to applicable law and the requirements of its licensed financial partners.

You may close your Account at any time by submitting a request through the Platform or by contacting Customer Support.

Before your Account is closed, you must:

1. complete all pending verification requirements where applicable;
2. settle all outstanding obligations owed to Trybesave or any licensed financial partner;
3. repay all outstanding loans or credit facilities;
4. withdraw or transfer any available Wallet balance, subject to applicable law.

Trybesave may terminate your Account immediately where:

1. you materially breach these Terms;
2. false, misleading or fraudulent information has been supplied;
3. your Account has been used for unlawful purposes;
4. you engage in fraud, financial crime or abuse of the Platform;
5. regulatory requirements require termination;
6. continuing to provide Services would expose Trybesave or its licensed financial partners to unacceptable legal or regulatory risk;
7. your Account has remained inactive for a prolonged period, subject to applicable law and prior notice where required.

Following termination:

1. access to the Platform may be permanently disabled;
2. your Wallet may be closed;
3. pending transactions may be cancelled where legally permissible;
4. outstanding obligations shall remain payable;
5. retained data shall continue to be processed where required by law;
6. Trybesave may continue to comply with regulatory, judicial and law enforcement requests relating to your Account.

Termination shall not affect any rights or obligations that accrued before the effective date of termination.

Trybesave retains customer information only for as long as necessary to fulfil legal, regulatory, contractual and operational obligations.

Financial records, transaction histories, KYC documentation and related information may be retained for the period prescribed under applicable Nigerian laws and regulatory requirements, including anti-money laundering and financial reporting obligations.

Information may be retained for purposes including:

1. compliance with applicable laws;
2. fraud prevention and investigation;
3. dispute resolution;
4. audit and accounting requirements;
5. regulatory reporting;
6. enforcement of legal rights;
7. cybersecurity investigations;
8. business continuity and disaster recovery.

Retained information shall be protected using appropriate administrative, technical and organizational safeguards designed to prevent unauthorized access, disclosure, alteration or destruction.

Where retention is no longer required, personal information shall be securely deleted, anonymized or otherwise disposed of in accordance with applicable law and Trybesave's internal data retention policies.

Nothing in this section limits any statutory rights available to data subjects under the Nigeria Data Protection Act (NDPA).

To the fullest extent permitted by applicable law, Trybesave shall not be liable for any indirect, incidental, consequential, special, punitive or exemplary loss or damage arising from or relating to your use of the Platform.

Without limitation, Trybesave shall not be liable for:

1. loss of profits;
2. loss of revenue;
3. loss of business opportunities;
4. loss of anticipated savings;
5. reputational damage;
6. business interruption;
7. indirect financial losses;
8. loss resulting from inaccurate information supplied by you;
9. delays caused by third-party financial institutions, payment networks or telecommunications providers.

Certain financial services are provided by licensed financial institutions and other third-party service providers.

Trybesave shall not be responsible for acts, omissions, delays or service interruptions attributable solely to such third parties, except where liability cannot be excluded under applicable law.

While Trybesave endeavours to maintain continuous availability of the Platform, uninterrupted access cannot be guaranteed.

The Platform may be unavailable due to:

1. scheduled maintenance;
2. emergency maintenance;
3. software updates;
4. telecommunications failures;
5. internet disruptions;
6. power outages;
7. failures of third-party infrastructure;
8. cyber incidents;
9. events beyond our reasonable control.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or restricted under the laws of the Federal Republic of Nigeria, including applicable consumer protection legislation.

You agree to indemnify, defend and hold harmless Trybesave Technologies Limited, its directors, officers, employees, affiliates, contractors, agents, licensors, licensed financial partners and service providers from and against any claims, actions, proceedings, liabilities, losses, damages, costs, expenses or demands (including reasonable legal fees) arising from or relating to:

1. your breach of these Terms;
2. your misuse of the Platform;
3. fraudulent, negligent or unlawful acts or omissions committed by you;
4. any violation of applicable laws or regulatory requirements;
5. infringement of the intellectual property or other legal rights of any person;
6. inaccurate, misleading or fraudulent information supplied by you;
7. transactions initiated or authorized using your Account or security credentials, except where

resulting solely from the proven negligence or wilful misconduct of Trybesave.

Where your actions result in regulatory investigations, penalties, fines, chargebacks, recovery actions or losses suffered by Trybesave or its licensed financial partners, you shall remain responsible for all losses to the extent permitted by applicable law.

The obligations contained in this Indemnity section shall survive the suspension, closure or termination of your Account and the termination of these Terms to the extent necessary to give effect to their purpose.

Trybesave shall not be liable for any delay, interruption, failure or inability to perform any obligation under these Terms where such delay or failure results from events beyond our reasonable control ("Force Majeure Event").

Force Majeure Events include, without limitation:

1. acts of God;
2. flood, fire, earthquake or other natural disasters;
3. epidemic or pandemic;
4. war, terrorism, civil unrest, riot or insurrection;
5. strikes, industrial disputes or labour shortages;
6. government actions or regulatory restrictions;
7. changes in applicable law;
8. nationwide power outages;
9. telecommunications failures;
10. internet disruptions;
11. cyberattacks beyond our reasonable control;
12. failures of payment networks or financial market infrastructure;
13. acts or omissions of third-party infrastructure providers;
14. any other event beyond the reasonable control of Trybesave.

Where a Force Majeure Event occurs, the affected obligations shall be suspended only for the duration of the Force Majeure Event.

Trybesave shall use commercially reasonable efforts to resume the affected Services as soon as practicable.

The occurrence of a Force Majeure Event shall not relieve either party of obligations that accrued before the occurrence of such event.

Trybesave is committed to resolving customer complaints promptly, fairly and transparently.

If you have a complaint regarding the Platform or any Service, you should first contact our Customer Support team using the contact details provided in these Terms or within the Platform.

We shall endeavour to acknowledge and investigate complaints within the timelines prescribed by applicable laws and regulatory guidelines.

Both parties agree to make reasonable efforts to resolve disputes through good-faith discussions before commencing legal proceedings.

Nothing in these Terms limits your right to submit complaints to any competent regulatory authority, including the Central Bank of Nigeria (CBN), the Nigeria Data Protection Commission (NDPC), the Federal Competition and Consumer Protection Commission (FCCPC), or any other authority with jurisdiction over the subject matter of the complaint.

Where a dispute cannot be resolved through internal complaint resolution or any applicable regulatory process, either party may refer the matter to a court of competent jurisdiction in Nigeria.

Nothing in these Terms shall prevent Trybesave from seeking interim or injunctive relief where necessary to protect its legal rights, customer funds, confidential information or intellectual property.

Trybesave may amend these Terms where necessary to:

1. comply with applicable laws;
2. implement new regulatory requirements;
3. comply with directives issued by competent authorities;
4. improve the Platform;
5. introduce new products or services;
6. strengthen customer protection;
7. improve security;
8. address operational or technological developments.

Where a proposed amendment materially affects your rights or obligations, Trybesave will provide reasonable notice through one or more of the following channels:

1. in-app notifications;
2. email;
3. SMS;
4. push notifications;
5. publication on our website or within the Platform; or
6. any other legally permissible communication channel.

Minor administrative, typographical or non-material amendments may take effect immediately without prior notice where permitted by law.

Your continued use of the Platform after an amendment becomes effective constitutes your acceptance of the revised Terms.

If you do not agree to any amendment, you must discontinue use of the Platform and may request closure of your Account, subject to applicable legal and regulatory obligations.