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Terms & Conditions

Effective as of 17 January, 2019

By signing up on this site you agree to our terms and conditions of service.

1. Introduction

These Terms of Use (“these Terms”) constitute a legally binding contract between PETTYSAVE LIMITED (Proprietors of the Pettysave mobile application and website) RC1522247 (the “Company” or “We” or “Our” or “Us”) and every natural person or entity ("you”“user”) accessing, using or visiting the Pettysave website (the “Site”) or Pettysave mobile application (the “App”) or registering for our services via any other means with or without a Pettysave account (collectively referred to as the/our “Platform”). These terms, alongside all further terms/policies expressly incorporated by reference shall govern your access and use of the Platform.

2. Definitions

“Third Party” refers to any person other than Pettysave.

“Person” refers to an individual, sole proprietorship, partnership, joint venture, limited liability company, limited liability partnership, trust, estate, unincorporated organization, association, corporation, institution, or other entity.

“Affiliate” means, with respect to any Person (as defined above), any other Person which directly or indirectly through one or more intermediaries’ controls, is controlled by, or is under common control with, such Person.

“User Content" means any and all information and content that a user submits to the Platform.

3. Acceptance of Terms

By clicking “I agree” (or a similar checkbox or button), or accessing or using the Services, or by opening an account with the Platform, you indicate your acceptance and subsequent agreement to be bound by the following terms, and any other conditions or policies issued by us from time to time which are deemed incorporated into these Terms. If you are accepting these terms on behalf of a company, organization, government, or other legal entity, you represent and warrant that you are authorized to do. Please read these Terms and Conditions, our Privacy Policy and Cookies Policy carefully before indicating your acceptance as mentioned above. Your access to and use of our services is conditioned on your acceptance of and compliance with these terms, conditions and policies. If you do not wish to be bound these (or any updates to or modified versions thereof), you should discontinue use of the website and/or app immediately.

4. Eligibility

To use the services provided on the Platform, you must be at least 18 years of age. By agreeing to these terms, you warrant that you are 18 years of age and are fully able and competent to enter into, and abide by, the contract created by these Terms.

5. Registration

In order to access the services offered on the Platform you shall be required to open an account and set up a profile by choosing a username and password and provide other important information including but not limited to your Bank Verification Number (“BVN”),email address, and certain information about your financial situation and risk preferences (collectively, “Client Information” ). We reserve the right to restrict certain areas of information on the Platform to such registered users.

You warrant that all information provided to us on the platform is accurate and we may rely on it. If any of the information you have given to us changes before, we accept your registration, you must notify us immediately. If any of the information you have given to us is inaccurate and we are damaged (harmed) as a result, you undertake to indemnify us accordingly.

You shall maintain and promptly update your Client Information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect such, we reserve the right to terminate your account and refuse any and all current or future use of the Platform by you.

Our Privacy Policies incorporated herein by this reference sets out measures put in place to protect your Information and your privacy in relation to your use of our Platform. You shall be responsible however, for maintaining the confidentiality of your username and password. Please notify us immediately of any unauthorized use of your username, password, or account. We will not be responsible for any losses arising out of the unauthorized use of your account and you agree to indemnify and hold harmless the Company and its managing members, officers, equity holders, employees, partners, parents, subsidiaries, agents, affiliates, and licensors (collectively, "Affiliates"), as applicable, for any improper, unauthorized or illegal uses of your account and as otherwise set forth in these Terms.

We shall impose all registrations to statutorily prescribed “Know Your Customer” procedures.

6. Use of Electronic Notices

By providing Company with your e-mail address, you agree to receive all required notices electronically in that e-mail address to the extent permissible by law. If you become aware of any unauthorized use of your contact information, please contact us.

7. Use of Electronic Signatures

By registering for services provided on the Platform, you warrant that you are aware and subsequently consent that electronic signatures and electronic documents will be used instead of paper documents. You agree and are giving consent to electronic delivery of all communications which includes, but is not limited to, all current and future account statements, investment/trade confirmations, notices, disclosures, regulatory communications (including prospectuses, proxy solicitations and privacy notices) and other information, documents, data and records regarding your account. Your consent will be effective immediately and will remain in effect until it is revoked.

8. Consent

You hereby consent and authorize us to debit your bank account, authorize us or any of our duly authorized agent or partner to debit your designated salary account, or any other bank account linked to your Bank Verification Number (BVN), for the purpose of providing you with the services rendered on or through our platform, payments for services rendered or to fulfil financial obligations delegated to us by your actions on the mobile or web application.

In addition, you hereby authorize us to receive, use and share data/information collected from your transaction with other affiliated third parties.

9. Lawful Use

We grant you a non-assignable, non-exclusive and revocable license to use the Platform in order to access services provided therein in the manner permitted by these Terms.

You agree not to use the Platform in any manner;

  1. that violates any third-party right or any intellectual property or proprietary right;
  2. that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another’s privacy, vulgar, defamatory, false, intentionally misleading, trade libellous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual;
  3. that is harmful to minors in any way; or
  4. that is in violation of any law, regulation, or obligations or restrictions imposed by any third party.

In addition, you agree not to:

  1. upload, transmit, or distribute to or through the Platform any software intended to damage or alter a computer system or data;
  2. send through the Platform unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages;
  3. use the Platform to harvest, collect, gather or assemble information or data regarding other users without their consent;
  4. interfere with, disrupt, or create an undue burden on servers or networks connected to the platform, or violate the regulations, policies or procedures of such networks;
  5. attempt to gain unauthorized access to the Platform, whether through password mining or any other means;
  6. harass or interfere with any other user’s use and enjoyment of the Platform; or
  7. use software or automated agents or scripts to produce multiple accounts on the Platform, or to generate automated searches, requests, or queries to the Platform.

We reserve the right to review any user content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the user conduct or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your account, and/or reporting you to law enforcement authorities.

10. Investment Recommendations and Advice

Unless otherwise expressly stated to the contrary, no product, service or information provided on the Platform shall be deemed to include any form of financial or investment advice. Information provided does not take into account your particular investment objectives, financial situation or investment needs.

You undertake to assess at all times whether the product, service or information is appropriate to your particular investment objectives, financial situation and investment needs. We advise that you make this assessment yourself or seek the assistance of any adviser before making any decisions on any such product.

Unless otherwise stated to the contrary, we make no representations or guarantees of any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other business risks.

11. Offer of Donations

We may offer services that enable a donation receiving entities (“donees”) accept donations for charitable purposes through the Platform from you (“donors”). Every donation shall be voluntary and subject to limitations imposed by law and other policies as we may impose.

All donations shall;

  1. Be carried-out on your Pettysave account as a user or through a donation account on the platform.
  2. Attract a transaction fee, statutory processing fees and applicable taxes.

We do not guarantee the accuracy of the information provided by Donees, nor do we represent that the Donations will be used in accordance with any fundraising purposes disclosed. Notwithstanding the foregoing, we shall ensure that the Donation platform is administered in compliance with the relevant laws and regulations.

12. Indemnification

You agree to indemnify us from any claim or demand made by any thirdparty due to or arising out of (a) your use of the Platform, (b) your violation of these Terms,(c) your violation of applicable laws or regulation. We reserve the right to assume the defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

13. Termination

We may terminate your access to the platform at any time, subject to the maturity of all plans. We may also terminate or suspend your access to the Platform, at any time for any reason subject to the requirements of applicable law.

We may terminate your account if there has been no debit or credit on your Account for twelve (12) consecutive months.

You may request termination of your User Account as well at any time without further cause by sending an email to subject to the settlement of all outstanding transactions.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.

15. Disclaimers

The Platform is provided on an "as-is" and "as available" basis. The Company and our suppliers expressly disclaim any and all warranties and conditions of any kind, whether express, implied, or statutory, including all warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. We and our suppliers make no guarantee that the Platform will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe.

16. Limitation on Liability

To the maximum extent permitted by law, in no event shall we or our suppliers be liable to you or any third-party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special or punitive damages arising from or relating to these terms or your use of, or incapability to use the platform.

17. Improvement & Modifications

We will make reasonable efforts to keep the platform operational. However, certain technical difficulties or maintenance may, from time to time, result in temporary interruptions. We reserve the right, periodically and at any time, to modify or discontinue, temporarily or permanently, functions and features of the platform, with or without notice, all without liability to you for any interruption, modification, or discontinuation of the platform or any function or feature thereof. You understand and agree that we have no obligation to maintain, support, upgrade, or update the Service, or to provide all or any specific content through the Service.

18. Intellectual Property Rights

The contents of the Platform, including, without limitation, its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including, without limitation, html-based computer programs), trademarks, trade names and/or service marks, and all materials incorporated herein are protected under intellectual property laws. The contents of the Platform belong or are licensed to Pettysave or its software or content suppliers. You may download or print a copy of information provided on the Platform for your personal, internal and noncommercial use only. Any distribution, reprint or electronic reproduction of any content from the Pettysave Platform in whole or in part for any other purpose is expressly prohibited without our prior written consent.

19. Privacy

Unless restricted by applicable laws, you agree that any and all personal data relating to you collected by the Pettysave from its platforms may from time to time be used and disclosed for such purposes and to such persons as may be in accordance with our prevailing Privacy Policy as amended from time to time. Please refer to our current Privacy Policy by clicking here.

20. Anti-Money Laundering, Governing Laws and Dispute Resolution

You agree that these Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria. Any legal action or proceeding arising under, concerning or relating to these Terms, or by reason of the fact of your use of the Platform, shall be within the nonexclusive jurisdiction of the courts of the Federal Republic of Nigeria. All claims and disputes arising from these Terms must be litigated on an individual basis and not on a class basis, and claims of more than one customer or user cannot be litigated jointly or consolidated with those of any other customer or user.

21. Changes to these Terms and Conditions

We may make changes to these Terms of Use from time to time for a number of reasons, including (without limitation) for commercial reasons, to comply with law or regulations, to comply with instructions, guidance or recommendations from a regulatory body or for customer service reasons.

The most up-to-date version of these Terms can be accessed from the Terms of Use link in the footer section of the Website or on the appropriate page on the App, and the date on which they will come into force in accordance shall also be indicated.

Where we wish to make substantial changes to these Terms, so, you are advised to review it through the Terms of Use link on the Website on a regular basis.

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