Twinku is an online service offered by the Company that allows Users to integrate their financial assets on one platform, view their net worth at a glance and notify pre-identified next of kin/beneficiaries in the event of death or other unforeseen circumstance. Through the App, Users can track their wealth and ensure that their assets are claimed by their next of kin/beneficiaries. By accessing or using any website with an authorized link to the Website and/or App, registering an account, or accessing or using any content, information, services, features, or resources available or enabled via the Website and/or the App (collectively, the “Services”), clicking a button or taking another action to signify your acceptance of this Agreement, you:custom list style type (v2):

You are over the age of 18 years;

You are of sound mind and have the capacity to enter into a legally binding contract;

All personal information that you provide about yourself is accurate and true to the best of your knowledge;

Where applicable, all information you provide about your company is accurate and true to the best of your knowledge;

You have carefully considered the risks involved in using the Services

If you are registering or accepting the terms and conditions contained in this Agreement on behalf of a legal entity such as a company, trust or partnership, you are legally authorised to do so and we may request evidence of such legal entitlement (by way of a copy of any document which shows the valid and subsisting authorisation);

You shall be solely responsible for the use of the Services you subscribe fo, including the quality and integrity of any data and other information made available to us by you through the use of the Services under this Agreement;

You shall use the Services only in accordance with this Agreement, our Privacy Policy, and applicable law or regulation;

You shall obtain such professional advice as is appropriate to protect your interests, including legal, tax, accounting and other advice; and

You are not breaching any laws or regulations that are applicable to you or any company, trust or partnership upon whose instructions you are acting

You are over the age of 18 years;

You may not reveal, share or otherwise allow others to use your password or Account except as otherwise specifically authorized by the Company;

You are responsible for the confidentiality of your login details and password and for the security of your mobile device, tablet or computer system and any other means through which you access the Services;

The Company is not responsible for the use of your password and Account or for all of the communication and activity on the Services that result from the use of your login name and password by you, or by any person to whom you may have intentionally or by negligence disclosed your login and/or password in violation of this confidentiality provision;

The Company is not responsible for the use of your Account by a person who fraudulently used your login and password without your permission. If you believe that the confidentiality of your login and/or password may have been compromised, you must notify the Company via the support channels on the Website without any delay.

Our Services are provided under a monthly or annual plan. We may also offer a Subscription under a free plan for a limited period of time.

You authorize the Company to share any payment information and instructions required to complete the payment transactions with its third-party payment service providers and no additional notice or consent is required for the foregoing authorizations.

If you use the Service under the free plan, you will not be charged by the Company until the free plan expires

When you sign up for a paid monthly or annual plan, you agree to recurring billing, starting on the date you sign up. Billing occurs on the same day each month, based on the date that you subscribed for the plan.

You may cancel your Subscription and you may choose to do so through your Account settings.

Subject to your Subscription, you agree to pay fees in accordance with the applicable rates available on our Website.

Subject to the requirements of the law, the Company will not refund paid subscription fees. The Company may however consider limited refund requests on a case-by-case basis

The Company reserves the right to change the subscription fees at any time and in its sole discretion. You will be notified of such change and the change will take effect at the expiration of the current subscription period.

You will notify us in writing in the event you dispute any fees paid or payable by you under this Agreement. If you dispute any fees, you agree to act reasonably and in good faith and will cooperate diligently with us to resolve the dispute. You will provide such notice to us within 30 (thirty) working days of the date we bill you for such fees that are in dispute and the parties will work together to resolve the dispute promptly.

Payments for our Services can be made with your debit and credit cards.

You agree to provide us with your valid debit or credit card (“Card”) information and authorize us to deduct the subscription fee and applicable charges against that Card.

Where your Card expires, you agree to replace your billing information with the information of a valid card. You acknowledge and agree that we’re authorized to deduct any charges on your account against the new card.

Anyone using a Card represents and warrants that they are authorized to use that card, and that all charges may be billed to that card and won’t be rejected. Where we are unable to process your card order, we will contact you by email and may suspend our services to you and your access to the Services until your payment can be processed.

The Services and its original content, features and functionality are and will remain the exclusive property of the Company. Our trademarks may not be used in connection with any product or service without our prior written consent.

The Company enables Users to (i) create, upload, post, send, receive and store content, such as text, photos, audio, video, or other materials and information on the App ("User Content"); and (ii) access and view User Content and any content that we make available on or through the Platform, including our proprietary content and any content licensed or authorized for use by or through the Company from a third party ("Company’s Content" and together with User Content, "Collective Content").

You will not use, copy, adapt, modify, prepare derivative works of, distribute, license, sell, transfer, publicly display, publicly perform, transmit, broadcast or otherwise exploit the Website or Collective Content, except to the extent that you are the legal owner of certain User Content or as expressly permitted in these Terms. No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by the Company or its licensors, except for the licenses and rights expressly granted in this Agreement.

Subject to your compliance with this Agreement, the Company grants you a limited, non- exclusive, non-sub licensable, revocable, non-transferable license to access and view any Collective Content made available on or through the website and accessible to you, solely for your personal and non-commercial use.

Users shall not directly or indirectly: (i) decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Service, except to the extent applicable laws specifically prohibit such restriction; (ii) modify, translate, or otherwise create derivative works of any part of the Service; or (iii) copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder.

You shall not use the Services for any purpose that is prohibited by these Terms. You are responsible for all of your activity in connection with the Services. Violation of our rules may result in the termination and cancellation of your account. You acknowledge and agree that we may terminate any Account at any time for any reason (including, but not limited to, our independent assessment or the receipt of claims or allegations from third parties or authorities).

Users shall not utilize the Website or the App for any illegal purpose.

You are solely responsible for compliance with any and all laws, rules, regulations, and obligations that may apply to your use of the Services. In connection with your use of the Services, you will not and will not assist or enable others to:

You acknowledge that the Company has no obligation to monitor the access to or use of the Services by any User or to review, disable access to, or edit any User Content, but has the right to do so to ensure the following:

As otherwise set forth in these Terms. Users agree to cooperate with and assist the Company in good faith, and to provide the Company with such information and take such actions as may be reasonably requested by the Company with respect to any investigation undertaken by the Company or a representative of the Company regarding the use or abuse of the Website and/or the App.

The Website and/or App may contain links to third-party websites or services that are not owned or controlled by the Company. When you click on such a link, we will warn you that you have left the Website and/or App. The Company does not control and is not responsible for third-party links. The Company provides these links only as a convenience and does not review, approve, monitor, endorse, warrant or make any representations with respect to them, or any content, products or services accessible through such links, your use of all third-party links is at your own risk.

The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third- party websites or services that you visit.

Your fraudulent or illegal use of the Platform;

Your negligence or any default by you of any of these Terms;

You expressly understand and agree that to your use of the Services is at your sole risk. The Services are provided on an “AS IS” and “AS AVAILABLE” basis. The Services are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non- infringement or course of performance.

The Company, its subsidiaries, affiliates, and its licensors do not warrant that (i) the Services will meet your expectations or requirements; (ii) Your use of the Services will be uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Services is free of viruses or other harmful components; or d) the results of using the Platform will meet your requirements.

The term of this Agreement commences on the date you first indicate your acceptance of this Agreement and will continue in effect until otherwise terminated in accordance with this Agreement.

You may cancel your Account at anytime. You may cease use of a subscription at anytime or if you choose, you may request that the Company terminate your access to a subscription. Subscriptions are not transferable. You are responsible for any charges incurred to third-party vendors before your cancellation.

The Company may terminate your Account or any particular subscriptions at anytime in the event that the Company ceases to provide such subscriptions to Users generally or you breach any terms of this Agreement. In the event that your Account or a particular subscription is terminated or cancelled by the Company for a violation of this Agreement or improper or illegal activity, no refund, including any subscription fees would be granted.

Clauses 1, 2, 7-12, 14 and 15 will survive any expiration or termination of this Agreement

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions. Your use of the Service may also be subject to other local, state, national or international laws.

Our failure to enforce any right or provision of this Agreement will not be considered a waiver of those rights. If any provision of this Agreement is held to be invalid or unenforceable by a court, the remaining provisions of this Agreement will remain in effect. This Agreement constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

Any disputes arising under or in connection with the validity, interpretation and performance of this Agreement between the Company and any third parties shall initially be resolved amicably by the parties through negotiation within 30 (thirty) days.

Where the parties are unable to resolve the dispute amicably, the parties agree that any legal action or proceeding relating to this Agreement may be instituted in the High court of Lagos State, and agree to submit to the jurisdiction of the court and agree that venue is proper in, in any such action or proceeding.