ANCHORIA ASSET MANAGEMENT LIMITED

Terms and Conditions of use of Mobile Application

[●] 2021

Welcome to our Terms and Conditions of Use. These terms affect your legal rights, endeavor to read them and treat with utmost importance.

Terms and Conditions

These Terms and Conditions (“Terms“, “Agreement“) are an agreement between Anchoria Asset Management Limited (AAM, the Company“, “us“, “we” or “our“) and you (“User“, “you” or “your“). We are a company duly registered in Nigeria (RC: 1242353)). This Agreement including our Privacy Policy sets forth the general terms and conditions of your use of ____the Seeds by Anchoria_ mobile application, a product of the Company, or such name or product communicated by AAM from time to time, including all features and functionality, the site, content, application, user interface and software associated with our service   and any of its products or services (collectively, “Mobile Application” or “Services“).

By using the Mobile Application, you are entering into a binding contract with the Company. Your agreement with us includes these Terms and our Privacy Policy (the “Agreements”).

Acceptance of Terms of Use

By accessing, visiting, or using the Mobile Application, via this site or any other device or application or other technology, you accept and agree to be bound by the Terms. Please read carefully. Further, you shall be subject to any additional terms of use that apply when you use certain products or posted guidelines or rules applicable to our Services, which may be posted and modified from time to time. All such guidelines are hereby incorporated by reference into the Terms.

 ANY ACCESS, USE or PARTICIPATION IN THE SERVICES WILL CONSTITUTE ACCEPTANCE OF THE TERMS. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE SERVICES OR OUR SITE OR MOBILE APPLICATION OR ACCESS OUR SERVICES.

Accounts

You must operate an account with the Company to be able to use the Mobile Application. The Mobile Application can be used on a mobile device running an operating system supported by us. To log onto the Mobile Application, you will need to enter your User ID and other security information that we request, or when available, by using biometric authentication which is a security process that relies on your unique biological characteristics so as to verify your identity. The current supported biometric authentication methods are touch ID and face ID methods.

You understand that when using the biometric authentication to log onto the Mobile Application, any fingerprint, facial map, or any other biometric data stored on your mobile device can be used to access your Mobile Application and your accounts and to give instructions for certain transactions. You therefore should ensure that your mobile device only stores your own fingerprint(s), facial map, or other biometric data, and will not store anyone else’s biometric credentials (e.g. fingerprint, facial map or any other biometric data).

The biometric authentication on the Mobile Application is performed by the biometric authentication module of your device, and we do not control the functionality of any mode of biometric authentication including fingerprint, touch ID or face ID. We make no representation or warranty as to the security of the biometric authentication function on your mobile device and we do not have access to your fingerprint(s) or facial recognition information. For more information on how the biometric functionality works for your mobile device, please refer to your device manufacturer’s support resources.

You understand and agree that any fingerprint stored on your mobile device can be used to access your account, therefore you shall take all reasonable measures to keep your mobile device and the password used to register your fingerprint(s), facial map or other biometric data on your mobile device in your safe custody, and to prevent unauthorized use or disclosure of your mobile device and the password. You shall be fully responsible for and bear the risk of any accidental or unauthorized disclosure of your mobile device and password to any other person or any unauthorized use of your mobile device and password by any other person.

We may notify you from time to time about changes in the security information. We will automatically log you out of the Mobile Application if you are inactive for 3 minutes.

If you create an account in the Mobile Application, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

Third Party Service Providers

We may employ third party companies and individuals to facilitate our Services (“Service Providers“), to provide the Services on our behalf, to perform certain services or to assist us in analyzing how our Services are used.

These third parties have access to your Personal Data (as defined in the Privacy Policy) only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Qualification for Use

Accounts are available only to people aged 18 or over. You must be over the age of 18 to operate an account with the Company and use the Mobile Application. Individuals under the age of 18, may utilize the service only with the involvement of a parent or legal guardian, under such person’s account and otherwise subject to these Terms. The User must have the contractual capacity to enter a binding contract with us and must not be barred from doing so under any applicable laws. You also warrant that any registration information that you submit to the Company is true, accurate and complete, and you always agree to keep it that way and the Company will not be held liable for any loss or damage that may arise in this respect.

Services

Here are some information about all the ways you can enjoy the Mobile Application:

  • Investment in the different Anchoria Products
  • Customer Account & Profile Management
  • Account funding and Withdrawal

 

Consent

Using the Mobile Application, you consent to receiving electronic communication from the Company relating to your account. We may communicate with you by electronic mail (e-mail), short message service (sms) or by posting notices on the Mobile Application or through other methods. For contractual purposes, you consent to receive communications from us electronically and you agree that all agreements, notices, disclosures and other communications that we provide you electronically satisfy any legal requirement that such communication be in writing. You also consent to receiving certain other communication from us, such as newsletters, special offers, questionnaires, customer surveys or other announcements via email, sms or other methods. You may opt out of receiving non-transactional communications, including marketing communications from us by following the directions in our e-mail to “unsubscribe” from our mailing list, or by sending an e-mail request to [email protected]_____. Please be aware that if you choose not to receive such communication, certain offers attached to services you have chosen may be affected. We will still communicate with you in connection with transactional communications, including but not limited to servicing your account and customer services.

Suspension of the Mobile Application

The Company can, at any time, suspend your use of the Mobile Application in any of the following situations;

  • Where concerns exist about the security of the Mobile Application;
  • Where it is suspected that your account on the Mobile Application has been used fraudulently or in an unauthorized way;
  • Where it is suspected that your account on the Mobile Application triggers certain AML/CFT risks;
  • Where there is a significantly increased risk that you will be unable to repay any overdraft or fulfill an obligation on any of your accounts;
  • Where there are legal or regulatory obligations we have to meet.

We may give you advance notice of any suspension and tell you why. However, we will not do so if this would compromise our reasonable security measures or if it is unlawful to do this. Occasionally, we may not be able to contact you to give you advance notice. If you have entered incorrect log on details on the Mobile Application on several occasions, we will suspend your access to the Mobile Application. If this happens, you can reset your log on details within the Mobile Application by identifying yourself and answering our security questions. Otherwise, you will need to call us on our customer care lines or email us at_______client [email protected]

Links to other mobile applications

Although this Mobile Application may be linked to other mobile applications, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked mobile application, unless specifically stated herein. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their mobile applications. We do not assume any responsibility or liability for the actions, products, services, and content of any other third-parties. You should carefully review the legal statements and other conditions of use of any mobile application which you access through a link from this Mobile Application. Your linking to any other off-site mobile applications is at your own risk.

Your Submissions And Information

You grant us the right to use the materials or information that you submit to the Site and/or provide to us, including but not limited to, questions, reviews, comments, and suggestions (collectively, ‘Submissions’). When you post comments or reviews on the Site, you also grant us the right to use the name that you submit or your username in connection with such review, comment, or other content. You shall not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third parties as to the origin of any Submissions. We may, but shall not be obligated to, publish, remove or edit your Submissions.

You consent to and authorize the use by us of any information provided by you (including Personal Data) for the purposes of sending informational and promotional e-mails to you where you agree. Your agreement shall constitute your consent for the purpose of the provisions of any spam control laws (whether in Nigeria or elsewhere). You may subsequently opt out of receiving promotional e-mails by clicking on the appropriate hyperlink in any promotional e-mail.

You acknowledge that you have read and agree to the Privacy Policy and consent to our collection, use and disclosure of your Personal Data for the purposes as set out in the Privacy Policy.

 

Prohibited Uses      

In addition to other terms as set forth in the Agreement, you are prohibited from using the Mobile Application or its content:

(a) For any unlawful purpose;

(b) To solicit others to perform or participate in any unlawful acts;

(c) To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;

(d) To infringe upon or violate our intellectual property rights or the intellectual property rights of others;

(e) To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;

(f) To submit false or misleading information;

(g)To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related mobile application, other mobile applications, or the Internet;

(h) To collect or track the personal information of others;

(i) To spam, phish, pharm, pretext, spider, crawl, or scrape;

(j) For any obscene or immoral purpose; or

(k) To interfere with or circumvent the security features of the Service or any related mobile application, other mobile applications, or the Internet. We reserve the right to terminate your use of the Service or any related mobile application for violating any of the prohibited uses.

Intellectual Property Rights

This Agreement does not transfer to you any intellectual property owned by the Company or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with the Company. All trademarks, service marks, graphics and logos used in connection with our Mobile Application or Services, are trademarks or registered trademarks of the Company. Other trademarks, service marks, graphics and logos used in connection with our Mobile Application or Services may be the trademarks of other third parties. Your use of our Mobile Application and Services grants you no right or license to reproduce or otherwise use the Company or third-party trademarks.

Copyright Infringement

All rights reserved. No part of the Mobile Application may be Copied, reproduced, ripped, recorded, re-engineered, decompiled, disassembled, modified reproduced, distributed, or transmitted in any form or by any means either electronic or mechanical methods, without the prior written permission of the Company.

Technology Limitations and Modifications

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

Limitation of liability

You agree that, to the extent permitted by applicable law, your sole and exclusive remedy for any problems or dissatisfaction with the Services, the third-party applications or the third-party application content is to uninstall any AAM software and to stop using the Services, the third-party applications or the third-party application content.

 

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, DIRECTORS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ASSIGNS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS) DAMAGES, ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICES, REGARDLESS OF ANY LEGAL THEORY, WITHOUT REGARD TO WHETHER THE COMPANY HAS BEEN WARNED OF THE POSSIBILITY OF THOSE DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE, THE AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES, SHALL NOT BE MORE THAN THE AMOUNTS PAID BY YOU TO THE COMPANY DURING THE PRIOR THREE MONTHS IN QUESTION.

 

Nothing in these Agreements removes or limits the Company’s liability for fraud, fraudulent misrepresentation, death or personal injury caused by its negligence.

 

Disclaimer Warranty

The Mobile Application is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. No warranty is provided that the Mobile Application will be free from defects or viruses or that operation of the Mobile Application will be uninterrupted. Your use of the Mobile Application and any other material or services downloaded or made available to you through the software is at your own discretion and risk, and you are solely responsible for any damage resulting from their use.

Restrictions

You shall not:

(i) Modify, revise or create any derivative works of the Mobile Application;

(ii)Decompile, reverse engineer or otherwise attempt to derive the source code for the Mobile Application;

(iii)Redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Mobile Application; or

(iv)Remove or alter any proprietary notices, legends, symbols or labels in the Mobile Application, including, but not limited to, any trademark, logo or copyright.

Indemnification

You agree to indemnify and hold the Company and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys’ fees, incurred in connection with or arising from any third-party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your Content, your use of the Mobile Application or Services or any willful misconduct on your part.

No waiver

Our failure to enforce these Terms shall not constitute a waiver of these terms, and such failure shall not affect the right later to enforce these Terms. We would still be entitled to exercise our rights in any other situation where you breach these Terms.

Rights of third parties

A person or entity who is not a party to these Terms shall have no right to enforce any provision of these Terms, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, nothing in this Paragraph shall affect the rights of any permitted assignee or transferee of these Terms.

Severability

All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or portion of any provision of this Agreement shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect.

Dispute Resolution

The validity, construction and performance of this Agreement shall be governed by the laws of the Federal Republic of Nigeria.

Parties shall use their best endeavors to amicably settle any dispute or difference of opinion arising from or in connection with this Agreement through mutual discussions in line with our Dispute Resolution and Complaint Management Control Framework.

All disputes should be logged formally by sending an email to [email protected]_______ within 90 days of the transaction date

Where the Parties are unable to resolve the dispute through mutual discussions, the dispute or difference of opinion shall be referred to mediation conducted by their legal representatives or financial auditors, where financial matters are involved. Failing which the dispute shall finally be referred to arbitration in accordance with the Arbitration and Conciliation Act Cap. A18, Laws of the Federation of Nigeria 2004, or any amendment thereto.

The place of arbitration shall be Lagos State, Nigeria and there shall be a sole arbitrator who shall be appointed jointly by the parties. Where the parties fail to jointly agree on the appointment, they shall approach the Lagos Multi-Door Court House to appoint a sole arbitrator who shall be competent to adjudicate on the issue in dispute.

The language to be used in the arbitral proceedings shall be English. The arbitral award shall be final and binding between the Parties. The reference of any dispute to arbitration shall not prevent the Parties from seeking any form of protective reliefs/injunctions/specific performance from a court of law via motion or other originating processes for the protection of any res pending the constitution of the Arbitral Panel and/or final award.

Changes and Amendments

We reserve the right to modify this Agreement or its policies relating to the Mobile Application or Services at any time, effective upon posting of an updated version of this Agreement in the Mobile Application. When we do, we will send you an email to notify you. Continued use of the Mobile Application after any such changes shall constitute your consent to such changes.

Acceptance of these terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Mobile Application or its Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to use or access the Mobile Application and its Services.

Contacting Us

If you have any questions about this Agreement, please contact us. This document was last updated on [●] 2021

ANCHORIA ASSET MANAGEMENT LIMITED
PRIVACY POLICY FOR MOBILE APPLICATION


2021


1. DEFINITIONS
1.1. ___________ is a product of Anchoria Asset Management Limited (AAM).

1.2. At AAM (“we”, “us”, “our” “AAM”, “Company”), we recognize your privacy is important. This Policy explains our privacy practices on the __Seeds by Anchoria_ App (the Platform). This Policy also explains what information we collect about our customers and how we use this information. This Privacy Policy is designed to be read in connection with the Platforms’ Terms of Use. By accessing or using our Platforms, you hereby agree with the method of collection, use, disclosure and processing of your Personal Information as described in this Privacy Policy and the Terms of Use.

1.3. For the purposes of clarity, “we,” “us,” “our,” the “Company” and AAM” refers to Anchoria Asset Management Limited. The “Services” refer to the use of any of the financial services or products on the Platforms “User,” “customer,” or “subscriber,” refers to consumers of the Services. “Personal Information,” or “Personal Data,” means any information that identifies or can be used to identify a User, directly or indirectly, including, but not limited to name, email address, mobile number, photograph, bank details or IP address.

2. Consent for Collection, Use and Disclosure

2.1. Your use of the Platform and/or registration for the Services constitutes your consent to the terms of this Privacy Policy. If you do not agree, you can withdraw your consent at any time but please note that the Company will not be able to provide you with its Services.

2.2. The Company reserves the right to amend this Privacy Policy at any time. When it does, the Company will also revise the “last updated” date at the top of this Privacy Policy.

2.3. The Company will notify you by email regarding material changes to this Privacy Policy that will affect information collected from you in the future. However, the Company will not notify you in certain circumstances, such as in connection with investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order. However, the Company may notify Users of such circumstances upon request by the User in permissible circumstances.

2.4. You may withdraw your consent for collection, use and disclosure at any time by sending an email using the Company’s contact details on the ‘Contact Us’ page on the Site. Please note that, if you withdraw your consent for collection, the Company may suspend its provision of Services to you.

2.5. By continuing to access and use the Services, you are deemed to have accepted the changes to the provisions of this Privacy Policy.

2.6. If you provide Personal Information of any third party to the Company, we assume that you have obtained the required consent from the relevant third party to share and transfer his/her Personal Information to us.

3. Collection of Personal Information.
All information supplied by Users of the Services as defined under the Terms of Use is covered by the provisions of Constitution of the Federal Republic of Nigeria 1999 (as amended), Nigerian Data Protection Regulation 2019 (NDPR) and other extant laws and regulations regulating the use and management of personal data.

3.1. Voluntarily Submitted Data: When you sign up for the Company’s Services, pay for a subscription, consult with our customer service team, send us an email, post on our blog or communicate with us in any way, you are voluntarily giving us information that we process, including, but not limited to; name, username, email address, mobile number, IP address, credit card information, bank information, and purchase history. By submitting this information, you consent to its’ collection, usage, disclosure, and storage by us, as described in our Terms of Use and in this Privacy Policy.

3.2. Automatically Collected Data: When you use the Services or browse any of our Platforms, we may collect information about your visit, your usage of the Services, and/or your web browsing; which may include your IP address, operating system, device type, operating system, browser ID, browsing activity, and other information about how you interacted with our Mobile Application. We may collect this information as a part of log files or through the use of cookies or other tracking technologies. Our use of cookies is discussed more in our Cookie Policy accessible here.

3.3. Service Usage Data: We may receive information about how and when you use the Services, store it in log files or other types of files associated with your account, and link it to other information we collect about you. This information may include, for example, your IP address, time, date, browser used, and actions you have taken within the Mobile Application. This type of information helps us to improve our Services for both you and for all of our users.

3.4. Cookie Data: The Site uses cookies. Cookies are text files containing small amounts of information which are downloaded to your device when you visit a website. Cookies are useful because they allow a website to recognize a User’s device. And, to do a lot of other tasks, you may see examples below. You can find more information about cookies at: allaboutcookies.org and youronlinechoices.eu. We use strictly necessary cookies, analytical/performance, functionality and targeting/advertising cookies on the Platforms. These cookies may allow:

i. Strictly necessary – us remember of any of the features and services you use such as savings, fixed deposit, bill payment, tap and pay amongst others.
ii. Functionality – us to remember choices you make to improve your experience (such as your username, age classification etc.);
iii. Advertising or targeting – third party advertising companies to display advertisement more relevant to you and your interests. As part of their services, they will place a separate cookie on your computer to help them precisely target advertising to you. These third-party advertising companies do not collect personally identifiable information and;
iv. Analytical or Performance – us or/and third-party partners collect anonymous information including but not limited to performance and website improvement. This may include web analytics, error management and testing designs.

You can find out more about cookies at this site: allaboutcookies.org/manage-cookies

3.5. Mobile Application Data: When you use our Mobile Applications, we may collect certain information in addition to information described elsewhere in this Policy. For example, the type of device and operating system you use. We may ask you if you want to receive push notifications. If you have opted in to these notifications and no longer wish to receive them, you may turn them off through your device’s operating system. We may use mobile analytics software to better understand how people use our application. We may collect information about how often you use the application and other performance data.

4. Purposes for collecting Personal Information
We collect Personal Information for the following reasons:
4.1. For Promotional Purposes: This includes sending you emails relating to the merits of a product, service, brand or issue. You can stop receiving our promotional emails by following the unsubscribe instructions included in every email we send, or by adjusting your Marketing Preferences in your profile. This data is processed in accordance with consent under the NDPR and extant data protection laws.

4.2. For Billing Purposes: This includes sending you emails, invoices, receipts, notices of delinquency, and alerting you if we need a different credit card number. We use third parties for secure credit card transaction processing, and we send billing information to those third parties to process your orders and credit card payments. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPR and extant data protection laws.

4.3. To Provide and Improve Our Services. This includes, for example, aggregating information from your use of the Services or visit to our Platforms and sharing this information with third parties to improve our Services. This might also include sharing your information with third parties in order to provide and support our Services. When we do have to share Personal Information with third parties, we take steps to protect your information by requiring these third parties to enter into a contract with us that requires them to use the Personal Information we transfer to them in a manner that is consistent with this policy. This data is processed in accordance with consent and third-party data processing contract requirements under the NDPR and extant data protection laws.

4.4. For Account and Support Communication: For example, we may inform you of subscription payment successes or failures, password reset attempts, and other support-related functions. This data is processed in accordance with consent under the NDPR and extant data protection laws.

4.5. For Platform Alerts: For example, we may inform you of temporary or permanent changes to our Services, such as pricing changes, planned outages, new features, version updates, releases, abuse warnings, and changes to our Privacy Policy. This data is processed in accordance with the contract requirements under the NDPR and extant data protection laws.

4.6. For Legal Purposes: For example, complying with court orders, valid discovery requests, valid subpoenas, to prosecute and defend a court, arbitration, or similar legal proceeding. To respond to lawful requests by public authorities, including to meet national security or law enforcement requirements. To provide information to representatives and advisors, including attorneys and accountants, to help us comply with legal, accounting, or security requirements. This data is processed in accordance with legal obligation under the NDPR and extant data protection laws.

4.7. For Transfer Purposes: In the case of a sale, merger, consolidation, liquidation, reorganization, or acquisition. In that event, any acquirer will be subject to our obligations under this Privacy Policy, including your rights to access and choice. We will notify you of the change either by sending you an email or posting a notice on our Website. This data is processed in accordance with legal obligation under the NDPR and extant data protection laws.

5. Limiting the Collection of Personal Information
The Company may limit its collection of Personal Information only to the extent that the information is unnecessary for the identified purposes. The Company does not direct the Platforms to, nor does it knowingly collect any Personal Information from persons under the age of eighteen (18 years). Consequently, the Company shall not be liable for any use or processing of Personal Information of persons under the age of 18.

6. Disclosure of Personal Information

The Company will not disclose any of your Personal Information to anyone else, except:

6.1. to its employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on its behalf for any of the identified purposes;

6.2. if it has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with the Company’s rights or property, other users of the Platforms, the Services, or anyone else that could be harmed by such activities;

6.3. in the event of business transfers which may occur when we sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, personal data may be part of the transferred assets; and

6.4. to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.

7. Data Retention

7.1. We may retain Personal Information about the User, as long as it is necessary for business and/or legal purposes. Also, we may retain aggregated anonymous information indefinitely. In addition, we may retain your information for an additional period as is permitted or required to, among other things, comply with our legal obligations, resolve disputes, and enforce agreements.

7.2. If your account becomes inactive (that is, if you request to be removed from the Company’s database), the Company will keep your Personal Information in its archives for the duration required by law. Your information will be used only as necessary for tax reasons or to prove the Company’s compliance with any applicable law.

 

8. Data Transfer

8.1. For the purpose of providing the Services, the Company (through the Platform) processes information about our Users on servers located in a number of countries.

8.2. The Company may also subcontract processing or sharing of information to third parties located in other countries, other than your home country. Also, such information may be transferred to another company if the need arises. Therefore, information may be transferred across international borders outside the country where you use our services, including to countries that do not have laws providing specific protection for personal data or those that have different legal rules on data protection.

8.3. We will only transfer Personal Information outside the country upon compliance with the provisions of any applicable law in relation to transfer of Personal Information outside Nigeria.

8.4. By this Privacy Policy, you hereby explicitly and contractually consent to the transfer of your Personal Information by the Company as contemplated herein.

9. Accuracy of Personal Information

9.1. We will use commercially reasonable efforts to keep your Personal Information as provided by you accurate for the identified purposes. Users are responsible for informing us about any changes to their Personal Information from time to time.

9.2. Users will be informed that in order to implement the measurements of verification of information provided by the user, we may request you to provide copies of documents related to your Personal Information including but not limited to an official ID Card, bank verification number, etc.

9.3. Users represent that all Personal Information provided to us is accurate for the identified purpose

10. Data Security
10.1. We transmit and store the information we collect using standard security techniques. However, given the nature of the internet and the fact that network security measures are not fool proof, we cannot guarantee the security of such information. We protect your Personal Information by:
i. restricting access to the Personal Information;
ii. maintaining technology products to prevent unauthorized computer access; and
iii. securely destroying your Personal Information when it is no longer needed for any legal or business purpose.
iv. using state of the art Secure Socket Layer (SSL) encryption technology when processing your financial details.

10.2. Your password is the key to your account. Please use unique numbers, letters and special characters, and do not share your password to anyone. If you do, you will be responsible for all actions taken in the name of your account and the consequences. If you lose control of your password, you may lose substantial control over your Personal Information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password.

10.3. As a safety measure, you are required to log off from your account and close the browser after using a shared computer.

10.4. Should a security breach occur, the Company will notify all affected customers as soon as is reasonably possible, and later may file a report with the appropriate authorities on the actions we took if the need arises.

11. Other Websites and Links
Our Platforms may contain links to third party websites (“Linked Websites”). This Privacy Policy does not cover collection or use of information by Linked Websites. We are not responsible for the privacy practices of Linked Websites. If you have questions about the privacy policies or practices of a Linked Website; you should contact the web administrator of the site directly.
12. Privacy Policy Changes
We may make changes to this Privacy Policy from time to time, and for any reason. You are advised to consult this privacy policy regularly for any changes, as we deem your continued use, following posting of any amendment, modification or change, approval of all changes.
13. Your Data Privacy Right:

13.1. Right to Rectification: Users can modify or change their name, email password, and mobile login PIN via their profile. For all other requests, such as updating email address or mobile number, please contact us at [email protected]

13.2. Right of Access, Right to Erasure, Right to Restrict Processing: Users can request access or erasure of their Personal Information, as well as request restriction on further processing of their Personal Information by contacting us at [email protected] Please allow up to 30 days for requests to be processed. The Company reserves the right to charge a reasonable fee to process excessive or repeat requests.

13.3. Right to Withdraw Consent: Users can stop receiving our promotional emails by following the unsubscribe instructions included in every email we send, or by adjusting your Marketing Preferences in your profile. Users also have choices with respect to cookies, as described above and more particularly set out in the Cookie Policy accessible here.

13.4. Right to lodge a complaint with a supervisory authority: Should you feel your data privacy rights are not being adequately protected by the Company, you have the right to lodge a formal complaint with the appropriate supervisory authority.

14. Available Remedies in The Case Of Breach
In the case of a breach of any of the obligations with respect to your Personal Information being breached or compromised, please exercise your right to contact us through any of the channels highlighted below immediately. A data breach procedure is established and maintained in order to deal with incidents concerning personal data or privacy practices leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, personal data transmitted, stored or otherwise processed. On notification of such breach, we will investigate to determine if an actual breach has occurred, the actions required to manage such breach, communicate with the subject of the breach and take appropriate action under its dispute resolution framework to remedy such breach.

15. Contact Us
If you have questions regarding your data privacy rights or would like to submit a related data privacy right request, please email us at [email protected] Please allow up to 30 days for requests to be processed. The Company reserves the right to charge a reasonable fee to process excessive or repeat requests.
If you have general questions concerning this Privacy Policy, please contact us at:


[email protected]

 

AAM
COOKIE POLICY
NOVEMBER 2021


What Are Cookies?
Cookies are small data files saved on your phone, tablet or computer when you visit a website.
How We Use Cookies
We use Cookies to identify users on https://anchoriaam.com/ (the Site) and the Seeds by ANCHORIA ASSET
MANAGEMENT mobile application. Cookies may also be used by other third-party websites where you access
third-party links through the AAM app. Cookies enable us make your user experience easier, customise our
features and services, content and advertising; help you ensure that your account security is not compromised,
mitigate risk and prevent fraud; and to promote trust and safety.
Cookies allow our servers to remember your account log-in information when you visit the Site and the AAM App,
IP addresses, date and time of visits, monitor traffic and prevent fraudulent activities.
The Types of Cookies We Use
We use the following cookies:
• Strictly necessary Cookies: these are cookies that are required for the operation of our Site. They include,
for example, cookies that enable you to visit the Site or log in to the Seeds by Anchoria Asset Management
and make use of any of the features and services such as Investing in available funds, liquidity management,
portfolio management, structured products amongst others.
• Analytical or performance Cookies: these allow us to recognize and count the number of users or visits to
the Site and the AAM app and to see how users and visitors move around the Site and the app when it is
being used. This helps us to improve the way our Site works by ensuring that users can easily access our
services and features.
• Functionality Cookies: these are used to recognize you when you return to our Site or the AAM App. This
enables us to personalize your experience and remember your preferences and the choices you make on the
Site.
• Targeting Cookies: these cookies record your visit to our Site and the AAM App, the pages you have visited
and the links you have followed.
How to Disable Cookies
Some browsers may automatically accept cookies while some can be modified to decline cookies or alert you when
a Site wants to place a cookie on your computer. You can block cookies by activating the setting on your browser
that allows you to refuse setting of all or some cookies. However, if you use your browser to block all cookies
(including essential cookies) you may not be able to access all or parts of our Site.

AAM Mobile Application Acceptable Use Policy
PLEASE READ THE TERMS OF THIS POLICY CAREFULLY BEFORE USING OUR SITE
OR MOBILE APPLICATION
What is in these terms?
This acceptable use policy (“the Policy”) sets out the terms between you and us under which
you may access our website https://anchoriaam.com/ (our site) or mobile application (“App”).
The Policy also sets out the content standards that apply when you upload content to our site,
make contact with other users on our site, link to our site, or interact with our site in any other
way.
Your use of our site means that you accept and agree to abide by all the policies in this policy
which supplements all our other policies.
Click on the links below to go straight to more information on each area:
Contents
Who we are and how to contact us………………………………………………………………………………………3
By using our site or App you accept these terms ………………………………………………………………..3
There are other terms that may apply to you………………………………………………………………………3
Content on our Site or App …………………………………………………………………………………………………3
Accessing our Site and downloading our App……………………………………………………………………3
Intellectual Property Rights ………………………………………………………………………………………………..3
Limitation of our Liability…………………………………………………………………………………………………..3
Misuse of our Website ………………………………………………………………………………………………………..4
Prohibited Uses …………………………………………………………………………………………………………………..4
Interactive Services……………………………………………………………………………………………………………..5
Content Standards ………………………………………………………………………………………………………………6
Breach of this policy ……………………………………………………………………………………………………………7
How this contract can be transferred…………………………………………………………………………………..7
Which country’s laws apply to any disputes? …………………………………………………………………….7
Who we are and how to contact us
https://anchoriaam.com/ and the Seeds by Anchoria Mobile app is operated by Anchoria Asset
Management Limtied. We are registered under the laws of the Federal Republic of Nigeria.
Our main trading address is 5th Floor, Elephant House, 214 Broad Street, Marina, Lagos.
To contact us, please email [email protected] or telephone our customer
service line on +2348188899455.
By using our site or App you accept these terms
By using our site and App, you confirm that you accept the terms of this policy and that you
agree to comply with them.
If you do not agree to these terms, you must not use our site or App.
We recommend that you print a copy of these terms for future reference.
There are other terms that may apply to you.
Our privacy and cookies policy as well as other policies on our site shall also apply to your
use of our site and App.
Content on our Site or App
We make reasonable efforts to update the content on our website and App, however either or
both may be out of date at any given time. We are under no obligation to update our content
and we make no representations, warranties or guarantees that the content on our website or
App is accurate, complete or up-to-date.
Our website contains content that is for general information only and is not intended to be
advice to you.
We ensure that our website and App are as good as we can make them, but we do not
guarantee that our website, our App or any content on either will be free from errors or
omissions. Additionally, we do not guarantee that our website or App will be secure or free
from bugs or viruses. We recommend that you use your own virus protection software.
Accessing our Site and downloading our App
Accessing our website and downloading our App are both free of charge. We cannot
guarantee that they will always be available or be uninterrupted. We may suspend, restrict,
withdraw or change any part of our website or App without notice.
Intellectual Property Rights
We own (or are licenced to use) all of the intellectual property rights in our website and App,
and in the content published on them. All such rights are reserved.
Limitation of our Liability
To the extent permitted by law, we exclude all conditions, warranties, representations or other
terms which may apply to our website or App or any content on either, whether express or
implied.
We will not be liable to you for any loss or damage, whether in contract, tort (including
negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in
connection with:
a. Your use of, or inability to use, our website or App;
b. Your use of, or reliance on, any content displayed on our website or App;
c. Your use of any links to other websites contained in our website or App; or
d. Any virus, distributed denial-of-service attack or other technological harmful
material due to your use (in any way) of our website or App;
e. Any loss or profit, loss or business, business interruption or loss of business
opportunity.
Misuse of our Website
You must not misuse our website or App by knowingly introducing viruses, trojans, worms,
logic bombs or other materials which are malicious or technologically harmful. You must not
attempt to gain unauthorised access to our website or App, the server on which our website
or App is stored or any server, computer or database connected to our website or App. You
must not attack our website or App via a denial-of-service attack or a distributed denial-ofservice attack. By breaching this provision, you would commit a criminal offence. We will
report any such breach to the relevant law enforcement authorities and we will co-operate
with those authorities by disclosing your identity to them. In the event of such a breach, your
right to use our website and App will cease immediately.
Prohibited Uses
You may use our site only for lawful purposes. You must not use our site:
• In any way that breaches any applicable local, national or international law or
regulation.
• In any way that is unlawful or fraudulent or has any unlawful or fraudulent purpose
or effect.
• For the purpose of harming or attempting to harm minors in any way.
• To bully, insult, intimidate or humiliate any person.
• To transmit, or procure, the sending of, any unsolicited or unauthorised advertising
or promotional material or any other form of similar solicitation (spam).
• To send, knowingly receive, upload, download, use or re-use any material which does
not comply with our content standards (See Content Standards below).
• To knowingly transmit any data, send or upload any material that contains viruses,
Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other
harmful programs or similar computer code designed to adversely affect the operation
of any computer software or hardware.
• To upload terrorist content.
You also agree:
• Not to reproduce, duplicate, copy or re-sell any part of our site
• Not to access without authority, interfere with, damage or disrupt:
• any part of our site;
• any equipment or network on which our site is stored;
• any software used in the provision of our site; or
• any equipment or network or software owner or used by any third party.
Interactive Services
We may from time to time provide interactive services on our site, including, without
limitation:
• Chat rooms
• Bulletin boards
Where we do provide any interactive service, we will provide clear information to you
about the kind of service offered, if it is moderated and what form of moderation is
used (including whether it is human or technical).
We will do our best to assess any possible risks for users (and in particular, for
children) from third parties when they use any interactive service provided on our
site, and we will decide in each case whether it is appropriate to use moderation of the
relevant service (including what kind of moderation to use) in the light of those risks.
However, we are under no obligation to oversee, monitor or moderate any interactive
service we provide on our site, and we expressly exclude our liability for any loss or
damage arising from the use of any interactive service by a user in contravention of
our content standards, whether the service is moderated or not.
The use of any of our interactive services by a minor is subject to the consent of their
parent or guardian. We advise parents/guardians who permit their children/ward to
use an interactive service that it is important that they communicate with their
children/ward about their safety online, as moderation is not fool proof. Minors who
are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a
means of contacting the moderator, should a concern or difficulty arise.
We do not store terrorist content.
Content Standards
These content standards apply to any and all material which you contribute to our site
(Contribution), and to any interactive services associated with it.
The Content Standards must be complied with in spirit as well as to the letter. The standards
apply to each part of any Contribution as well as to its whole.
AAM will determine, in its discretion, whether a Contribution breaches the Content
Standards.
A Contribution must:
• Be accurate (where it states facts)
• Be genuinely held (where it states opinions)
• Comply with the laws applicable in Nigeria, the United States of America and in any
country from which it is posted
A Contribution must not:
• Be defamatory of any person.
• Be obscene, offensive, hateful or inflammatory.
• Bully, insult, intimidate or humiliate.
• Promote sexually abusive material.
• Include child sexual abuse material
• Promote violence
• Promote discrimination based on race, sex, religion, nationality, disability, sexual
orientation or age
• Infringe any copyright, database right or trademark of any other person.
• Be likely to deceive any person
• Breach any legal duty owed to a third party, such as a contractual duty or a duty of
confidence
• Promote any illegal content or activity
• Be in contempt of court
• Be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience
or needless anxiety
• Be likely to harass, upset, embarrass, alarm or annoy any other person
• Impersonate any person or misrepresent your identity or affiliation with any person
• Give the impression that the Contribution emanates from AAM, if is not the case
• Advocate, promote, incite any party to commit, or assist any unlawful or criminal act
such as (by way of example only) copyright infringement or computer misuse.
• Contain a statement which you know or believe, or have reasonable grounds for
believing, that members of the public to whom the statement is, or is to be, published
are likely to understand as a direct or indirect encouragement or other inducement to
the commission, preparation or instigation of acts of terrorism.
• Contain any advertising or promote any services or web links to other sites
• Contain any harmful material
Breach of this policy
When we consider that a breach of this acceptable use policy has occurred, we may take such
action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of this Policy
upon which you are permitted to use our site, and may result in our taking all or any of the
following actions:
• Immediate, temporary or permanent withdrawal of your rights to use our site
• Immediate, temporary or permanent removal of any Contribution uploaded by you to our
site.
• Issue of a warning to you.
• Legal proceedings against you for reimbursement of all costs on indemnity basis
(including, but not limited to, reasonable administrative and legal costs) resulting from the
breach.
• Further legal action against you.
• Disclosure of such information to law enforcement authorities as we reasonably feel is
necessary or as required by law.
We exclude our liability for all action we may take in response to breaches of this acceptable
use policy. The actions we may take are not limited to those described above, and we may take
any other action we reasonably deem appropriate.
How this contract can be transferred
We can transfer our rights and obligations under these terms to any third party, provided this
does not adversely affect your rights under these terms.
Which country’s laws apply to any disputes?
Please note that the terms of this policy, its subject matter and its formation are governed by
laws of the Federal Republic of Nigeria. You and we both agree that the courts of Nigeria will
have exclusive jurisdiction.

ANCHORIA ASSET MANAGEMENT (AAM)

 

DISCLOSURE STATEMENT

 

Anchoria Asset Management Limited (AAM) is a company incorporated by the Corporate Affairs Commission with RC 1242353 and licensed as a Funds/Portfolio Manager with the Securities and Exchange Commission, having its corporate office at 214 Broad Street, Marina, Lagos State. AAM mobile application (AAM) is a product of Anchoria Asset Management Limited through which the company provides investment services to its Customers.

AAM is a specialist provider of active investment products and services to institutional and individual investors. AAM Limited seeks to provide active investment products and services to institutional and individual investors.

To ensure security of the details of customers, AAM uses state of the art Secure Socket Layer (SSL) encryption technology when processing the financial details of customers.

See our Terms of Use [Link Here] and Privacy Policy [Link Here] for the general terms and conditions of your use of the AAM App, and all features and functionality, the website, content, application, user interface and software associated with AAM Limited and any of our products or services.

ANCHORIA ASSET MANAGEMENT LIMITED (AAM)

 

MOBILE APPLICATION

 

END-USER LICENSE AGREEMENT

 

NOVEMBER 2021

1.       INTRODUCTION

 

  • This End User License Agreement (EULA or Agreement) is a legal agreement between You (Licensee or you) and Anchoria Asset Management Limited (AAM, the Licensor or We). This Agreement governs your use of the AAM mobile application on all platforms such as web and mobile, including all related technology provided by AAM (the Mobile Application). AAM provides you with the Mobile Application to enable you to access all the products offered by AAM.

 

  • We license the use of the Mobile Application to you on the basis of this Agreement. We do not sell the Mobile Application to you. We remain the owners of the Mobile Application at all times.

 

  • Please read the EULA properly and carefully before clicking the “I AGREE” button, installing or using this Mobile Application.

 

  • By clicking the “I AGREE” button, or installing or downloading or otherwise using this Mobile Application, you:

 

  • acknowledge that you have read and understood this Agreement;

 

  • represent that there are no legal restrictions on your ability to use the Mobile Application; and

 

  • accept this Agreement and agree that you are bound by the terms and conditions of this EULA. If you are entering into this EULA on behalf of an entity, you represent that you have the authority to bind such entity.

 

  • If you do not agree to the terms and conditions of this Agreement, then the Licensee may not click on the “I AGREE” button nor install nor download nor use the Mobile Application.

2.       GRANT AND SCOPE OF LICENSE

  • In consideration of your agreeing to abide by the terms of this Agreement, the Licensor hereby grants you a non-exclusive, non-transferable license to:

 

  • Download, install and use the Mobile Application for your personal, non-commercial use on a mobile device owned or otherwise controlled by you, strictly in accordance with the Mobile Application’s documentation; and

 

  • Access, download and use on such technology device, the Content and Services (as defined in Clause 7) made available in or otherwise accessible through the Mobile Application, strictly in accordance with this Agreement and the Terms and Conditions [Insert Terms and Conditions] applicable to such Content and Services as defined in Clause 7).

 

3.       LICENSE RESTRICTIONS

 

  • The Licensee shall not:

 

  • copy the Mobile Application, except as expressly permitted by this license;

 

  • modify, translate, adapt, or otherwise create derivative works or improvements, whether or not patentable, of the Mobile Application;

 

  • reverse engineer, disassemble, decompile, decode, or otherwise attempt to derive or gain access to the source code of the Mobile Application or any part thereof;

 

  • remove, delete, alter, or obscure any trademarks or any copyright, trademark, patent, or other intellectual property or proprietary rights notices from the Application, including any copy thereof;

 

  • rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make available the Mobile Application, or any features or functionality of the Mobile Application, to any third party for any reason, including by making the Mobile Application available on a network where it is capable of being accessed by more than one device at any time;

 

  • remove, disable, circumvent, or otherwise create or implement any workaround to any copyright protection, rights management, or security features in or protecting the Mobile Application; or

 

  • use the Mobile Application in, or in association with, the design, construction, maintenance, or operation of any hazardous environments or systems, including any power generation systems; aircraft navigation or communication systems, air traffic control systems, or any other transport management systems; safety-critical applications, including medical or life-support systems, vehicle operation applications or any police, fire, or other safety response systems; and military or aerospace applications, weapons systems, or environments.

 

4.       INTELLECTUAL PROPERTY RIGHTS

 

  • You acknowledge that all intellectual property rights in the Mobile Application belong to the Licensor, that rights in the Mobile Application are licensed (not sold) to you, and that you have no intellectual property rights in, or to, the Mobile Application other than the right to use the Mobile Application in accordance with the terms of this Agreement.

 

  • You acknowledge that you have no right to have access to the Mobile Application in source code form other than as expressly provided in this Agreement.

 

  • AAM and its 3rd party service providers reserve and shall retain their entire right, title, and interest in and to the Mobile Application, including all copyrights, trademarks, and other intellectual property rights therein or relating thereto, except as expressly granted to you in this Agreement.

5.       COLLECTION AND USE OF YOUR INFORMATION

 

  • You acknowledge that when you download, install, or use the Mobile Application, We may use automatic means (including, for example, cookies and web beacons) to collect information about your mobile device and about your use of the Mobile Application. You also may be required to provide certain information about yourself as a condition to downloading, installing, or using the Mobile Application or certain of its features or functionality.

 

  • All information we collect through or in connection with this Mobile Application is subject to our Privacy Policy [Insert link to Privacy Policy]. By downloading, installing, using, and providing information to or through this Mobile Application, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy [Insert link to Privacy Policy].

 

6.       CONTENT AND SERVICES

  • The Mobile Application may provide you with access to products and services accessible thereon, including (i) purchase of AAM products offerings; (ii) wallet funding; (iii) payment options; (iv) general industry information on the stock market and other related trends; and certain features, functionality, and content accessible on or through the Mobile Application which may be hosted on the Website (collectively, “Content and Services”).

 

  • Your access to and use of such Content and Services are governed by the Website’s Terms and Conditions and Privacy Policy located at [Insert link to Terms and Conditions] and [Insert link to Privacy Policy] which are incorporated herein by this reference. Your access to and use of such Content and Services may require you to acknowledge your acceptance of such Terms and Conditions and Privacy Policy and/or to register with the Website, and your failure to do so may restrict you from accessing or using certain of the Mobile Application’s features and functionality.

 

  • Any violation of these terms of use will also be deemed a violation of this Agreement.

7.       GEOGRAPHIC RESTRICTIONS

  • The Content and Services are based in Nigeria and provided for access and use only by persons located in Nigeria. You acknowledge that you may not be able to access all or some of the Content and Services outside of Nigeria and that access thereto may not be legal by certain persons or in certain countries. If you access the Content and Services from outside Nigeria, you are responsible for compliance with local laws. The Licensor will not be liable for your access and use of the Contents and Services outside Nigeria.

8.       UPDATES

  • AAM may from time to time in its sole discretion develop and provide Mobile Application updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features (collectively, including related documentation, “Updates“). Updates may also modify or delete in their entirety certain features and functionality. You agree that AAM has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality.

 

  • Based on the settings of your technology device, when your device is connected to the internet either:

 

  • the Mobile Application will automatically download and install all available Updates; or

 

  • you may receive notice of or be prompted to download and install available Updates.

 

  • You shall promptly download and install all Updates and acknowledge and agree that the Mobile Application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the Mobile Application and be subject to all terms and conditions of this Agreement.

 

9.       THIRD-PARTY MATERIALS

  • The Mobile Application may display, include, or make available third-party content (including data, information, applications, and other products, services, and/or materials) or provide links to third-party websites or services, including through third-party advertising (“Third-Party Materials”).

 

  • You acknowledge and agree that AAM is not responsible for Third-Party Materials, including their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality, or any other aspect thereof. AAM does not assume and will not have any liability or responsibility to you or any other person or entity for any Third-Party Materials. Third-Party Materials and links thereto are provided solely as a convenience to you, and you access and use them entirely at your own risk and subject to such third parties’ terms and conditions.

10.      NO GUARANTEES

  • This Mobile Application is provided “as is” with no representation, guarantee or agreement of any kind as to its functionality. We cannot guarantee that access to the Mobile Application will be uninterrupted or that there will be no delays or failures. We cannot also guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your technology device.

 

  • You are responsible for adequate protection and back up of data and/or equipment and for undertaking reasonable and appropriate precautions to scan for viruses or other destructive properties. We are not responsible if you incur any loss as a result of any of the matters set out in this Clause 10.

 

  • We are not responsible for any third-party software that may be used in connection with the Mobile Application.

 

11.   DISCLAIMER OF WARRANTIES

 

  • THE MOBILE APPLICATION IS PROVIDED TO END USERS “AS IS” AND WITH ALL FAULTS AND DEFECTS WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, AAM, ON ITS OWN BEHALF AND ON BEHALF OF ITS AFFILIATES AND ITS THIRD PARTY SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE MOBILE APPLICATION, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING.

 

  • AAM PROVIDES NO WARRANTY OR UNDERTAKING, AND MAKES NO REPRESENTATION OF ANY KIND THAT THE MOBILE APPLICATION WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE, OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS, OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS, OR BE ERROR-FREE, OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED.

 

  • SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR LIMITATIONS ON IMPLIED WARRANTIES OR THE LIMITATIONS ON THE APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO SOME OR ALL OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

 

12.      LIMITATION OF LIABILITY

 

  • To the fullest extent permitted by applicable law, in no event will AAM or its affiliates, or any of its or their respective third party service providers, have any liability arising from or related to your use of or inability to use the application or the Content and Services for:

 

  • personal injury, property damage or loss, lost profits, cost of substitute goods or services, loss of data, loss of goodwill, business interruption, computer failure or malfunction, or any other consequential, incidental, indirect, exemplary, special, or punitive damages.

 

  • direct damages in amounts that in the aggregate exceed the amount actually paid by you for the Mobile Application.

 

  • The foregoing limitations will apply whether such damages arise out of breach of contract, tort (including negligence), or otherwise and regardless of whether such damages were foreseeable, or the Licensor was advised of the possibility of such damages.

 

  • Some jurisdictions do not allow certain limitations of liability so some or all of the above limitations of liability may not apply to you.

 

13.   INDEMNIFICATION

 

  • You agree to indemnify, defend, and hold harmless AAM and its officers, representatives, directors, employees, agents, affiliates, successors, and assigns from and against any and all losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including attorneys’ fees, arising from or relating to your use or misuse of the Mobile Application or your breach of this Agreement, including but not limited to the content you submit or make available through this Mobile Application.

 

14.   PERSONAL DATA

 

  • Personal data is all information that directly or indirectly may refer to the Mobile Application user which he/she has provided in the course of this Agreement or use of the Mobile Application. Such includes:

 

  • contact information [name, title, address, email address, mobile phone number etc, Date of birth];

 

  • employment information [name, address, phone number and email address of employee]; or

 

  • financial information [information about the Client’s income and any charges, where available].

 

  • Where necessary, we will process the personal data in order to provide a simplified service and in order to improve user experience. We will process the personal data for confirming your identity, administering the customer relationship, preventing misuse or improper use of our Mobile Application, for the prevention of money laundering, customer analysis, assessment, risk analysis and management, business development, for commercial and marketing purposes and for complying with applicable laws.

 

  • By accepting the terms of the Mobile Application, you agree that we may use and/or reuse data provided or previously provided and we may carry out enquiries to help on your use of the Mobile Application. Where available, we will use such information to confirm your identity and simplify the use of our service.

 

15.      PERSONAL DATA PROTECTION PRINCIPLES

 

  • We adhere to the principles relating to Processing of Personal Data set out in the Nigerian Data Protection Regulation 2019 (NDPR) which requires personal data to be:

 

  • processed lawfully, fairly and in a transparent manner;

 

  • collected only for specified, explicit and legitimate;

 

  • adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed;

 

  • accurate and where necessary kept up to date;

 

  • not kept in a form which permits your identification for longer than is necessary for the purposes for which the data is processed;

 

  • processed in a manner that ensures its security using appropriate technical and organisational measures to protect against unauthorised or unlawful Processing and against accidental loss, destruction or damage;

 

  • not transferred to another country without your consent of the and appropriate safeguards being in place; or

 

  • made available to you and allow you to exercise certain rights in relation to your personal data.

 

  • We are responsible for and must be able to demonstrate compliance with the data protection principles listed above.

 

16.      SEVERABILITY

 

  • If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

 

17.      GOVERNING LAW

 

  • This Agreement is governed by and construed in accordance with the laws of the Federal Republic of Nigeria without giving effect to any choice or conflict of law provision or rule.

 

  • Any legal suit, action, or proceeding arising out of or related to this Agreement or the Mobile Application shall be instituted exclusively in the Nigerian Courts within the applicable jurisdiction.

 

18.      ENTIRE AGREEMENT

 

  • This Agreement, the Terms and Conditions and our Privacy Policy constitute the entire agreement between you and AAM with respect to the Mobile Application and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Mobile Application.

 

19.   WAIVER

 

  • No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder.

 

 

20.      TERM AND TERMINATION

 

  • The term of this Agreement commences when you download or install the Mobile Application or acknowledge your acceptance and will continue in effect until terminated by you or AAM as set forth in this Clause 20.

 

  • You may terminate this Agreement by deleting the Mobile Application and all copies thereof from your technology device.

 

  • AAM may terminate this Agreement at any time without notice if it ceases to support the Mobile Application, which AAM may do in its sole discretion, or AAM ceases to exist. In addition, this Agreement will terminate immediately and automatically without any notice if you violate any of the terms and conditions of this Agreement.

 

  • Upon termination:

 

  • all rights granted to you under this Agreement will also terminate; and

 

  • you must cease all use of the Mobile Application and delete all copies of the Mobile Application from your technology device and account.

 

  • Termination will not limit any of AAM’s rights or remedies at law or in equity.

 

21.   COMMUNICATION BETWEEN US

 

  • If you are a user, and you wish to contact us in writing, or if any condition in this Agreement requires you to give us notice in writing, you can send this to us by email or by pre-paid post to 5th floor Elephant House, 214 Broad St, Marina, Lagos]. We will confirm receipt of this by contacting you in writing, normally by email.

 

  • If we have to contact you or give you notice in writing, we will do so by email or by pre-paid post to the address you provide or confirm to us.

 

  1. BY CLICKING ON THE “ACCEPT” BUTTON BELOW YOU AGREE TO THE TERMS OF THIS LICENCE WHICH WILL BIND YOU.

 

  1. IF YOU DO NOT AGREE TO THE TERMS OF THIS LICENCE, CLICK ON THE “REJECT” BUTTON BELOW.

 

ANCHORIA ASSET MANAGEMENT LIMITED

Terms and Conditions of use of Mobile Application

[●] 2021

Welcome to our Terms and Conditions of Use. These terms affect your legal rights, endeavor to read them and treat with utmost importance.

Terms and Conditions

These Terms and Conditions (“Terms“, “Agreement“) are an agreement between Anchoria Asset Management Limited (AAM, the Company“, “us“, “we” or “our“) and you (“User“, “you” or “your“). We are a company duly registered in Nigeria (RC: 1242353)). This Agreement including our Privacy Policy sets forth the general terms and conditions of your use of ____the Seeds by Anchoria_ mobile application, a product of the Company, or such name or product communicated by AAM from time to time, including all features and functionality, the site, content, application, user interface and software associated with our service   and any of its products or services (collectively, “Mobile Application” or “Services“).

By using the Mobile Application, you are entering into a binding contract with the Company. Your agreement with us includes these Terms and our Privacy Policy (the “Agreements”).

Acceptance of Terms of Use

By accessing, visiting, or using the Mobile Application, via this site or any other device or application or other technology, you accept and agree to be bound by the Terms. Please read carefully. Further, you shall be subject to any additional terms of use that apply when you use certain products or posted guidelines or rules applicable to our Services, which may be posted and modified from time to time. All such guidelines are hereby incorporated by reference into the Terms.

 ANY ACCESS, USE or PARTICIPATION IN THE SERVICES WILL CONSTITUTE ACCEPTANCE OF THE TERMS. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THE SERVICES OR OUR SITE OR MOBILE APPLICATION OR ACCESS OUR SERVICES.

Accounts

You must operate an account with the Company to be able to use the Mobile Application. The Mobile Application can be used on a mobile device running an operating system supported by us. To log onto the Mobile Application, you will need to enter your User ID and other security information that we request, or when available, by using biometric authentication which is a security process that relies on your unique biological characteristics so as to verify your identity. The current supported biometric authentication methods are touch ID and face ID methods.

You understand that when using the biometric authentication to log onto the Mobile Application, any fingerprint, facial map, or any other biometric data stored on your mobile device can be used to access your Mobile Application and your accounts and to give instructions for certain transactions. You therefore should ensure that your mobile device only stores your own fingerprint(s), facial map, or other biometric data, and will not store anyone else’s biometric credentials (e.g. fingerprint, facial map or any other biometric data).

The biometric authentication on the Mobile Application is performed by the biometric authentication module of your device, and we do not control the functionality of any mode of biometric authentication including fingerprint, touch ID or face ID. We make no representation or warranty as to the security of the biometric authentication function on your mobile device and we do not have access to your fingerprint(s) or facial recognition information. For more information on how the biometric functionality works for your mobile device, please refer to your device manufacturer’s support resources.

You understand and agree that any fingerprint stored on your mobile device can be used to access your account, therefore you shall take all reasonable measures to keep your mobile device and the password used to register your fingerprint(s), facial map or other biometric data on your mobile device in your safe custody, and to prevent unauthorized use or disclosure of your mobile device and the password. You shall be fully responsible for and bear the risk of any accidental or unauthorized disclosure of your mobile device and password to any other person or any unauthorized use of your mobile device and password by any other person.

We may notify you from time to time about changes in the security information. We will automatically log you out of the Mobile Application if you are inactive for 3 minutes.

If you create an account in the Mobile Application, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorized uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions.

Third Party Service Providers

We may employ third party companies and individuals to facilitate our Services (“Service Providers“), to provide the Services on our behalf, to perform certain services or to assist us in analyzing how our Services are used.

These third parties have access to your Personal Data (as defined in the Privacy Policy) only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Qualification for Use

Accounts are available only to people aged 18 or over. You must be over the age of 18 to operate an account with the Company and use the Mobile Application. Individuals under the age of 18, may utilize the service only with the involvement of a parent or legal guardian, under such person’s account and otherwise subject to these Terms. The User must have the contractual capacity to enter a binding contract with us and must not be barred from doing so under any applicable laws. You also warrant that any registration information that you submit to the Company is true, accurate and complete, and you always agree to keep it that way and the Company will not be held liable for any loss or damage that may arise in this respect.

Services

Here are some information about all the ways you can enjoy the Mobile Application:

  • Investment in the different Anchoria Products
  • Customer Account & Profile Management
  • Account funding and Withdrawal

 

Consent

Using the Mobile Application, you consent to receiving electronic communication from the Company relating to your account. We may communicate with you by electronic mail (e-mail), short message service (sms) or by posting notices on the Mobile Application or through other methods. For contractual purposes, you consent to receive communications from us electronically and you agree that all agreements, notices, disclosures and other communications that we provide you electronically satisfy any legal requirement that such communication be in writing. You also consent to receiving certain other communication from us, such as newsletters, special offers, questionnaires, customer surveys or other announcements via email, sms or other methods. You may opt out of receiving non-transactional communications, including marketing communications from us by following the directions in our e-mail to “unsubscribe” from our mailing list, or by sending an e-mail request to [email protected]_____. Please be aware that if you choose not to receive such communication, certain offers attached to services you have chosen may be affected. We will still communicate with you in connection with transactional communications, including but not limited to servicing your account and customer services.

Suspension of the Mobile Application

The Company can, at any time, suspend your use of the Mobile Application in any of the following situations;

  • Where concerns exist about the security of the Mobile Application;
  • Where it is suspected that your account on the Mobile Application has been used fraudulently or in an unauthorized way;
  • Where it is suspected that your account on the Mobile Application triggers certain AML/CFT risks;
  • Where there is a significantly increased risk that you will be unable to repay any overdraft or fulfill an obligation on any of your accounts;
  • Where there are legal or regulatory obligations we have to meet.

We may give you advance notice of any suspension and tell you why. However, we will not do so if this would compromise our reasonable security measures or if it is unlawful to do this. Occasionally, we may not be able to contact you to give you advance notice. If you have entered incorrect log on details on the Mobile Application on several occasions, we will suspend your access to the Mobile Application. If this happens, you can reset your log on details within the Mobile Application by identifying yourself and answering our security questions. Otherwise, you will need to call us on our customer care lines or email us at_______client [email protected]

Links to other mobile applications

Although this Mobile Application may be linked to other mobile applications, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked mobile application, unless specifically stated herein. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their mobile applications. We do not assume any responsibility or liability for the actions, products, services, and content of any other third-parties. You should carefully review the legal statements and other conditions of use of any mobile application which you access through a link from this Mobile Application. Your linking to any other off-site mobile applications is at your own risk.

Your Submissions And Information

You grant us the right to use the materials or information that you submit to the Site and/or provide to us, including but not limited to, questions, reviews, comments, and suggestions (collectively, ‘Submissions’). When you post comments or reviews on the Site, you also grant us the right to use the name that you submit or your username in connection with such review, comment, or other content. You shall not use a false e-mail address, pretend to be someone other than yourself or otherwise mislead us or third parties as to the origin of any Submissions. We may, but shall not be obligated to, publish, remove or edit your Submissions.

You consent to and authorize the use by us of any information provided by you (including Personal Data) for the purposes of sending informational and promotional e-mails to you where you agree. Your agreement shall constitute your consent for the purpose of the provisions of any spam control laws (whether in Nigeria or elsewhere). You may subsequently opt out of receiving promotional e-mails by clicking on the appropriate hyperlink in any promotional e-mail.

You acknowledge that you have read and agree to the Privacy Policy and consent to our collection, use and disclosure of your Personal Data for the purposes as set out in the Privacy Policy.

 

Prohibited Uses      

In addition to other terms as set forth in the Agreement, you are prohibited from using the Mobile Application or its content:

(a) For any unlawful purpose;

(b) To solicit others to perform or participate in any unlawful acts;

(c) To violate any international, federal, provincial or state regulations, rules, laws, or local ordinances;

(d) To infringe upon or violate our intellectual property rights or the intellectual property rights of others;

(e) To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability;

(f) To submit false or misleading information;

(g)To upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related mobile application, other mobile applications, or the Internet;

(h) To collect or track the personal information of others;

(i) To spam, phish, pharm, pretext, spider, crawl, or scrape;

(j) For any obscene or immoral purpose; or

(k) To interfere with or circumvent the security features of the Service or any related mobile application, other mobile applications, or the Internet. We reserve the right to terminate your use of the Service or any related mobile application for violating any of the prohibited uses.

Intellectual Property Rights

This Agreement does not transfer to you any intellectual property owned by the Company or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with the Company. All trademarks, service marks, graphics and logos used in connection with our Mobile Application or Services, are trademarks or registered trademarks of the Company. Other trademarks, service marks, graphics and logos used in connection with our Mobile Application or Services may be the trademarks of other third parties. Your use of our Mobile Application and Services grants you no right or license to reproduce or otherwise use the Company or third-party trademarks.

Copyright Infringement

All rights reserved. No part of the Mobile Application may be Copied, reproduced, ripped, recorded, re-engineered, decompiled, disassembled, modified reproduced, distributed, or transmitted in any form or by any means either electronic or mechanical methods, without the prior written permission of the Company.

Technology Limitations and Modifications

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

Limitation of liability

You agree that, to the extent permitted by applicable law, your sole and exclusive remedy for any problems or dissatisfaction with the Services, the third-party applications or the third-party application content is to uninstall any AAM software and to stop using the Services, the third-party applications or the third-party application content.

 

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS OFFICERS, SHAREHOLDERS, EMPLOYEES, AGENTS, DIRECTORS, SUBSIDIARIES, AFFILIATES, SUCCESSORS, ASSIGNS, SUPPLIERS OR LICENSORS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL (INCLUDING LOSS OF USE, DATA, BUSINESS, OR PROFITS) DAMAGES, ARISING OUT OF THE USE OR INABILITY TO USE THE SERVICES, REGARDLESS OF ANY LEGAL THEORY, WITHOUT REGARD TO WHETHER THE COMPANY HAS BEEN WARNED OF THE POSSIBILITY OF THOSE DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE, THE AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES, SHALL NOT BE MORE THAN THE AMOUNTS PAID BY YOU TO THE COMPANY DURING THE PRIOR THREE MONTHS IN QUESTION.

 

Nothing in these Agreements removes or limits the Company’s liability for fraud, fraudulent misrepresentation, death or personal injury caused by its negligence.

 

Disclaimer Warranty

The Mobile Application is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. No warranty is provided that the Mobile Application will be free from defects or viruses or that operation of the Mobile Application will be uninterrupted. Your use of the Mobile Application and any other material or services downloaded or made available to you through the software is at your own discretion and risk, and you are solely responsible for any damage resulting from their use.

Restrictions

You shall not:

(i) Modify, revise or create any derivative works of the Mobile Application;

(ii)Decompile, reverse engineer or otherwise attempt to derive the source code for the Mobile Application;

(iii)Redistribute, sell, rent, lease, sublicense, or otherwise transfer rights to the Mobile Application; or

(iv)Remove or alter any proprietary notices, legends, symbols or labels in the Mobile Application, including, but not limited to, any trademark, logo or copyright.

Indemnification

You agree to indemnify and hold the Company and its affiliates, directors, officers, employees, and agents harmless from and against any liabilities, losses, damages or costs, including reasonable attorneys’ fees, incurred in connection with or arising from any third-party allegations, claims, actions, disputes, or demands asserted against any of them as a result of or relating to your Content, your use of the Mobile Application or Services or any willful misconduct on your part.

No waiver

Our failure to enforce these Terms shall not constitute a waiver of these terms, and such failure shall not affect the right later to enforce these Terms. We would still be entitled to exercise our rights in any other situation where you breach these Terms.

Rights of third parties

A person or entity who is not a party to these Terms shall have no right to enforce any provision of these Terms, regardless of whether such person or entity has been identified by name, as a member of a class or as answering a particular description. For the avoidance of doubt, nothing in this Paragraph shall affect the rights of any permitted assignee or transferee of these Terms.

Severability

All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or portion of any provision of this Agreement shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect.

Dispute Resolution

The validity, construction and performance of this Agreement shall be governed by the laws of the Federal Republic of Nigeria.

Parties shall use their best endeavors to amicably settle any dispute or difference of opinion arising from or in connection with this Agreement through mutual discussions in line with our Dispute Resolution and Complaint Management Control Framework.

All disputes should be logged formally by sending an email to [email protected]_______ within 90 days of the transaction date

Where the Parties are unable to resolve the dispute through mutual discussions, the dispute or difference of opinion shall be referred to mediation conducted by their legal representatives or financial auditors, where financial matters are involved. Failing which the dispute shall finally be referred to arbitration in accordance with the Arbitration and Conciliation Act Cap. A18, Laws of the Federation of Nigeria 2004, or any amendment thereto.

The place of arbitration shall be Lagos State, Nigeria and there shall be a sole arbitrator who shall be appointed jointly by the parties. Where the parties fail to jointly agree on the appointment, they shall approach the Lagos Multi-Door Court House to appoint a sole arbitrator who shall be competent to adjudicate on the issue in dispute.

The language to be used in the arbitral proceedings shall be English. The arbitral award shall be final and binding between the Parties. The reference of any dispute to arbitration shall not prevent the Parties from seeking any form of protective reliefs/injunctions/specific performance from a court of law via motion or other originating processes for the protection of any res pending the constitution of the Arbitral Panel and/or final award.

Changes and Amendments

We reserve the right to modify this Agreement or its policies relating to the Mobile Application or Services at any time, effective upon posting of an updated version of this Agreement in the Mobile Application. When we do, we will send you an email to notify you. Continued use of the Mobile Application after any such changes shall constitute your consent to such changes.

Acceptance of these terms

You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Mobile Application or its Services you agree to be bound by this Agreement. If you do not agree to abide by the terms of this Agreement, you are not authorized to use or access the Mobile Application and its Services.

Contacting Us

If you have any questions about this Agreement, please contact us. This document was last updated on [●] 2021