TERMS OF SERVICE

Last updated March, 2022

1. AGREEMENT TO TERMS

These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and Kredete, Inc. ("Company", “we”, “us”, or “our”), concerning your access to and use of the https://www.kredete.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected there to (collectively, the “Site”). We are registered in New York, United States and have our registered office at 1314, 447 Broadway, 2nd Floor,New York, NY 10013. Our VAT number is 920602483. You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms of Service. IF YOU DO NOT AGREE WITH ALLOF THESE TERMS OF SERVICE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Service from time to time. We will alert you about any changes by updating the “Last updated” date of these Terms of Service, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use ourSite so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Service by your continued use of the Site after the date such revised Terms of Service are posted.

The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable. The Site is not tailored to comply with industry-specific regulations (Health Insurance Portability andAccountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use this Site. You may not use the Site in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

The Site is intended for users who are at least 13 years of age. All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Site. If you are a minor, you must have your parent or guardian read and agree to these Terms of Service prior to you using the Site.

2. ABOUT US

Kredete has developed and is the operator of the Kredete App (“Kredete”, “We”, “Us”, or “Our”) adigital end-to-end lending platform that provides a marketplace to source credit facility, loan, carfinancing, mortgage and savings services to its customers, individuals, and businesses in Africa.Kredete may vary the services from time to time at its absolute discretion, and the users shall benotified of any such variations where necessary. Any changes will be posted on the Site(s). This Terms of Service is an Agreement between you and Us. It details ’s obligations to you. It alsohighlights the risks of using our Services, and you must consider such risks carefully, as theprovisions of this Agreement will bind you through your use of this Website or any of our Services.IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF SERVICE, THEN YOU ARE EXPRESSLYPROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

3. INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site(collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the“Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of theFederal Republic of Nigeria and Africa, international copyright laws, and international conventions.The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Service, no part of the Site and no Content orMarks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

4. USER REPRESENTATIONS

By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms of Service; (4) you are not under the age of 18; (5) you are nota minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Site; (6) you will not access the Site through automated or non-human means, whether through a bot, script or otherwise; (7) you will not use the Site for any illegal or unauthorised purpose; (8) your use of the Site will not violate any applicable law or regulation; (9) you have read, understand and agree with the terms of this consent to use electronic signatures and to receiveCommunications electronically; (10) you have access to hardware and software that meets the minimum requirements specified below; and (11) your consent will remain in effect until you withdraw your consent. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site(or any portion thereof).

5. USER REGISTRATION

You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5.1 Account Creation

‍In order to use the Services, you must create an account (an “Account”) with Kredete. To create an account, you will provide us with certain information that personally identifies you, such as your email, first name, last name, phone number, business information (corporate documents); bank details, and card details of the company; at least one director’s personal information (which includes name, address, email address, card details, BVN, and bank details). You agree that the information you provide to Kredete on registration and at all other times will be true, accurate, current, and complete, and that you will keep this information accurate and up-to-date at all times.We also request that you create a password for your Account. You agree not to disclose your password to anyone else, and you also agree you will be solely responsible for any activities or actions taken under your Account, whether or not authorised by you. Please notify us immediately of any unauthorised use of your password or Account. We are not liable for any loss or damage resulting from your failure to comply with these requirements. Some aspects of the Services or the Services in their entirety may not be available in all locations, and we may block access to some or all of the Services from certain locations based on your device’s geolocation information. We may add to or remove the areas in which the Services are or are not available, are partially or fully available, at any time, without notice to you.

5.2 Identity Verification

‍You hereby authorise Kredete, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and Account information. This may include asking you for further information and/or documentation about your identity or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number, or financial instruments, and verifying your information against third-party databases or through other sources.

6. ELIGIBILITY

Our Website and Services are not directed to persons under 18. We do not knowingly transact or provide any services to persons under 18, except for products targeted at persons at least 13 years of age, which shall be operated under the supervision of their legal guardians. By using the Site, you represent and warrant that you meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Site. You are independently responsible for complying with all applicable laws related to your use of ourWebsite and Services.

7. FEES AND PAYMENT

We accept the following forms of payment:

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- Visa;
- Mastercard;
- Verve;
- PayPal.

You may be required to purchase or pay a fee to access some of our services. You agree to provide current, complete, and accurate purchase and account information for all purchases made via theSite. You further agree to promptly update account and payment information, including your email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. We bill you through an online billing account for purchases made via the Site. We may change prices at any time. You agree to pay all charges or fees at the prices then in effect for your purchases, and you authorise us to charge your chosen payment provider for any such amounts upon making your purchase. If your purchase is subject to recurring charges, then you consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge until you notify us of your cancellation.

We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment. We also reserve the right to refuse any order placed through the Site.

8. CANCELLATION

You can cancel your registration at any time by logging into your account or contacting us using thecontact information provided below. Your cancellation will take effect at the completion of anypending transaction. If you are unsatisfied with our services, please email us at support@kredete.com or call us at [..].

9. SOFTWARE

We may include software for use in connection with our services. If such software is accompanied by an end user licence agreement (“EULA”), the terms of the EULA will govern your use of the software. If EULA does not accompany such software, then we grant you a non-exclusive, revocable, personal, and non-transferable licence to use such software solely in connection without services and in accordance with these Terms of Service. Any Software and any related documentation is provided “as is” without warranty of any kind, either express or implied, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, ornon-infringement. You accept any and all risks arising from the use or performance of anySoftware. You may not reproduce or redistribute any software except in accordance with the EULA or these Terms of Service.

10. PROHIBITED ACTIVITIES

You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavours except those that are specifically endorsed or approved by us.
As a user of the Site, you agree not to:

a. Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.

b. Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.

c. Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.

d. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.

e. Use any information obtained from the Site in order to harass, abuse, or harm another person. Make improper use of our support services or submit false reports of abuse or misconduct. Use the Site in a manner inconsistent with any applicable laws or regulations.

f. Engage in unauthorised framing of or linking to the Site.
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g.Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site. Engage in any automated use of the system, such as using scripts to send comments or messages or using any data mining, robots, or similar data gathering and extraction tools.

h. Delete the copyright or other proprietary rights notice from any Content.
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i. Attempt to impersonate another user or person or use the username of another user.Upload or transmit (or attempt to upload or to transmit) any material that acts as a passiven or active information collection or transmission mechanism, including, without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “PCM”).
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j. Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
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k. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
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l. Attempt to bypass any measures of the Site designed to prevent or restrict access to theSite or any portion of the Site.

m. Copy or adapt theSite’s software, including but not limited toFlash, PHP, HTML, JavaScript,or other code.
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n. Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
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o. Except as may be the result of a standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including, without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorised script or other software.
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p. Use a buying agent or purchasing agent to make purchases on the Site.
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q. Make any unauthorised use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited emails, or creating user accounts by automated means or under false pretences.
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r. Use the Site as part of any effort to compete with us or otherwise use the Site and/or theContent for any revenue-generating endeavour or commercial enterprise.
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s. Use the Site to advertise or offer to sell goods and services.
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t. Sell or otherwise transfer your profile.

11. USER GENERATED CONTENTS

The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on theSite, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contents"). Contents may be viewable by other users of the Site and through third-party websites. As such, any Contents you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Content, you thereby represent and warrant that:
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a. The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contents do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.

b. You are the creator and owner of or have the necessary licences, rights, consents, releases, and permissions to use and to authorise us, the Site, and other users of the Site to use yourContents in any manner contemplated by the Site and these Terms of Service. You have the written consent, release, and/or permission of each and every identifiable individual person in your Contents to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contents in any manner contemplated by the Site and these Terms of Service.
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c. Your Contents are not false, inaccurate, or misleading.
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d. Your Contents are not unsolicited or unauthorised advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
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e. Your Contents are not obscene, lewd, lascivious, filthy, violent, harassing, libellous, slanderous, or otherwise objectionable (as determined by us).
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f. Your Contents do not ridicule, mock, disparage, intimidate, or abuse anyone. Your Contents are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
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g. Your Contents do not violate any applicable law, regulation, or rule.
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h. Your Contents do not violate any third party's privacy or publicity rights.
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i. Your Contents do not violate any applicable law concerning child pornography or otherwise intended to protect the health or well-being of minors.
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j. Your Contents do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
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k. Your Contents do not otherwise violate or link to material that violates any provision of these Terms of Service or any applicable law or regulation.
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l. Any use of the Site in violation of the foregoing violates these Terms of Service and may result in, among other things, termination or suspension of your rights to use the Site.

12. CONTENT LICENSE

By posting your Content to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and licence to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contents (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, suchContents, and grant and authorise sub-licenses of the foregoing. The use and distribution may occur in any media format and through any media channels. This licence will apply to any form, media, or technology now known or hereafter developed and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide.You waive all moral rights in your Contents, and you warrant that moral rights have not otherwise been asserted in your Contents. We do not assert any ownership over your Contents. You retain full ownership of all of yourContents and any intellectual property rights or other proprietary rights associated with yourContents. We are not liable for any statements or representations in your Contents provided by you in any area on the Site. You are solely responsible for your Contents to the Site and you expressly agree to exonerate us of any and all responsibility and to refrain from any legal action against us regarding your Contents. We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change anyContent; (2) to re-categorize any Content to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contents at any time and for any reason, without notice. We have no obligation to monitor your Content.

13. GUIDELINES FOR REVIEWS

We may provide you with areas on the Site to leave reviews or ratings. When posting a review, you must comply with the following criteria: (1) you should have firsthand experience with the person/entity being reviewed; (2) your reviews should not contain offensive profanity or abusive, racist, offensive, or hate language; (3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability;(4) your reviews should not contain references to illegal activity; (5) you should not be affiliated with competitors if posting negative reviews; (6) you should not make any conclusions as to the legality of conduct; (7) you may not post any false or misleading statements; and (8) you may not organise a campaign encouraging others to post reviews, whether positive or negative. We may accept, reject, or remove reviews at our sole discretion. We have no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate.Reviews are not endorsed by us and do not necessarily represent our opinions or the views of anyof our affiliates or partners. We do not assume liability for any review or for any claims, liabilities,or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully-paid, assignable, and sublicensable right and licence toreproduce, modify, translate, transmit by any means, display, perform, and/or distribute all contentrelating to reviews.

14. MOBILE APPLICATION LICENCE

14.1 Use Licence
If you access the Site via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application license contained in theseTerms of Service. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the application; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the application; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the application; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the application; (5) use the application for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the application available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the application for creating a product, service, or software that is, directly or indirectly, competitive with or in any waya substitute for the application; (8) use the application to send automated queries to any website or to send any unsolicited commercial e-mail; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the application.

14.2 Apple and Android Devices
The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an “App Distributor”) to access the Site: (1) the license granted to you for our mobile application is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service; (2) we are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile application license contained in these Terms of Service or as otherwise required under applicable law, and you acknowledge that each AppDistributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application; (3) in the event of any failure of the mobile application to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the mobile application, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the mobile application; (4) you represent and warrant that (i) you are not located in a country that is subject to any government embargo or that has been designated by any government or agency as a “terrorist supporting” country and (ii)you are not listed on any. government list of prohibited or restricted parties; (5) you must comply with applicable third party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the mobile application; and (6) you acknowledge and agree that the App Distributors arethird-party beneficiaries of the terms and conditions in this mobile application licence containedin these Terms of Service and that each App Distributor will have the right (and will be deemed tohave accepted the right) to enforce the terms and conditions in this mobile application licencecontained in these Terms of Service against you as a third-party beneficiary thereof.

15. SUBMISSIONS

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgement or compensation to you. You hereby waive all moral rights to any such Submissions and warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.

16. THIRD-PARTY WEBSITES AND CONTENT

The Site may contain (or you may be sent via the Site) links to other websites ("Third-PartyWebsites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-PartyContent posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply our approval or endorsement. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Service no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website you navigate from the Site or any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies. We take no responsibility whatsoever in relation to such purchases, which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services.Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

17. ADVERTISERS

We allow advertisers to display their advertisements and other information in certain areas of theSite, such as sidebar advertisements or banner advertisements. If you are an advertiser, you shall take full responsibility for any advertisements you place on the Site and any services provided on the Site or products sold through those advertisements. Further, as an advertiser, you warrant and represent that you possess all rights and authority to place advertisements on the Site, including, but not limited to, intellectual property rights, publicity rights, and contractual rights. We simply. provide the space to place such advertisements, and we have no other relationship with advertisers.

18. SITE MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms ofService; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Service, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contents or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burden some to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site.

19. PRIVACY POLICY

Kredete is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.

20. COPYRIGHT INFRINGEMENTS

We respect the intellectual property rights of others. If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law, you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked toby the Site infringes your copyright, you should consider first contacting an attorney.

21. TERM AND TERMINATION

These Terms of Service shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF SERVICE, WE RESERVE THE RIGHT TO, INOUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FORNO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION,WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF SERVICE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, AT OUR SOLE DISCRETION.
If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

22. MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We will alert you about any changes by updating the“Last updated” date of these Terms of Service, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use ourSite so that you understand which Terms apply. You will be subject to and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Service by your continued use of the Site after the date such revised Terms of Service are posted. We also reserve the right to modify or discontinue all or part of the Site without notice at any time.We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site. We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Service will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.

23. GOVERNING LAW

These Terms of Service and your use of the Site are governed by and construed in accordance with the laws of the Federal Republic of Nigeria applicable to agreements made and to be entirely performed within Nigeria, without regard to its conflict of law principles.

24. DISPUTE RESOLUTION

24.1 In the event of any dispute, claim, question, or disagreement arising from or relating to this Agreement or the breach thereof, the Parties hereto shall use their best efforts to settle the dispute, claim, question, or disagreement. To this effect, they shall consult and negotiate with each other in good faith and recognise their mutual interests and attempt to reach a just and equitable solution satisfactory to the Parties.

24.2 Where the Parties are unable to resolve the dispute within 14 days through negotiation; then, upon notice by any Party to the other Party, any disputes, claims, questions or differences may be referred in the first instance to confidential mediation at the LagosMulti-Door Courthouse (LMDC) under the provisions of Lagos State Multi-Door Courthouse(LMDC) Law 2007. This clause shall not preclude any Party from obtaining interim relief from a court of competent jurisdiction.

25. CORRECTIONS

There may be information on the Site that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time without prior notice.

26. DISCLAIMER

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OFTHE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION
WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY: (1) ERRORS, MISTAKES,OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE,OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3)ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES,TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FORANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT,ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING,AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGEMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

27. LIMITATIONS OF LIABILITY

OUR LIABILITY TO YOU IS LIMITED.

Kredete is not liable, and you agree not to hold us responsible, for any damages or losses arisingout of or in connection with the Terms of Service, including, but not limited to: (i) your use of oryour inability to use our Site or Site Services; (ii) delays or disruptions in our Site or Site Services;(iii) viruses or other malicious software obtained by accessing, or linking to, our Site or SiteServices; (iv) glitches, bugs, errors, or inaccuracies of any kind in our Site or Site Services; (v)damage to your hardware device from the use of the Site or Site Services; (vi) the content, actions,or inactions of third parties’ use of the Site or Site Services; (vii) a suspension or other action takenwith respect to your Account; (viii) your reliance on the quality, accuracy, or reliability of projectpostings, Profiles, ratings, recommendations, and feedback (including their content, order, anddisplay), Composite Information, or metrics found on, used on, or made available through the Site;and (ix) your need to modify practices, content, or behavior or your loss of or inability to dobusiness, as a result of changes to the Terms of Service. In no circumstance will Kredete, our affiliates, our licensors, or our third-party service providersbe liable for any special, consequential, incidental, punitive, exemplary, or indirect costs ordamages, including, but not limited to, litigation costs, installation and removal costs, or loss ofdata, production, profit, or business opportunities (whether Kredete has been advised of thepossibility of such damages or not) arising out of Kredete’s Website or Services (including, withoutlimitation to inability to use or arising from the result of the use of Kredete’s website or services)whether such damages are based on warranty, tort, contract, statute or any other legal theory.

28. INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contents; (2) use of the Site; (3) breach of these Terms ofService; (4) any breach of your representations and warranties set forth in these Terms of Service;(5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defence and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defence of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

29. EXCLUSIONS

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the above disclaimers and limitations of liability may not apply to you. To the extent that any Party may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of Kredete's liability shall be the minimum permitted under such applicable law.

30. USER DATA

We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

31. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS AND TO THE ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

32. FORCE MAJEURE

When certain circumstances beyond your or our control arise, we will both temporarily be relieved from performing our obligations under this Agreement.
The parties to this Agreement will not be responsible for any delay or failure to perform any obligation under this Agreement for a reasonable period due to labour disturbances, accidents, fires, floods, pandemics, telecommunications or Internet failures, strikes, wars, riots, rebellions, terrorism, blockades, acts of government, governmental requirements and regulations or restrictions imposed by law or any other similar event beyond the parties’ reasonable control.

33. MISCELLANEOUS

We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Service is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Service and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Service or use of the Site. You agree that theseTerms of Service will not be construed against us by virtue of having drafted them. You hereby waive any and all defences you may have based on the electronic form of these Terms of Service and the lack of signing by the parties hereto to execute these Terms of Service.

34. FEEDBACK

The User agrees to use commercially reasonable efforts to provide feedback to Kredete regarding the Services and agrees that Kredete shall have all rights, title, and interest in and to all comments, suggestions, and other feedback (collectively, “Feedback”) provided by the User to Kredete related to the Products. The User shall and hereby irrevocably transfer and assign to Kredete all rights, titles and interests it may have in such Feedback to Kredete, and Kredete hereby accepts such transfer.
If you have any complaints or reservations about us or any of the Services we provide, you may contact:


Address:
Kredete Limited
A4, Midland Court
Northern Foreshore RoadChevron Drive, Lekki
Lagos State, Nigeria
Phone:
Email: support@kredete.com

35. SMS COMMUNICATION CONSENT

By providing your mobile phone number during account registration, you consent to receive automated SMS messages from Kredete Mobile Application related to account verification and security notifications. You may opt out of receiving these messages at any time through your account settings or by contacting our support team. Standard message and data rates may apply. Changes to these terms will be effective immediately upon their posting in our updated Terms of Use.

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