Terms And Conditions

The terms and conditions set out below (the “Terms and Conditions”) apply to [Finver] (the “financial service” or “Finver”) owned and operated by Vinsighte Limited which is financial technology company, located in Ibadan, Nigeria, and registered with the Corporate Affairs Commission with RC number:1836056. Finver is committed to protecting your personal data and respects your privacy. Access to, and use of, the Finver website are subject to the Terms and Conditions. For the purpose of these Terms and Conditions, “we”, “us”, "the website" and “our” all refer to Finver.

Access to Finver is permitted on the basis that we reserve the right to change, modify, withdraw or amend the services without notice. Please check these Terms and Conditions regularly for updates. Your continued use of the the website following the posting of changes to these Terms and Conditions constitutes your acceptance of those changes. We advise that you review the Terms and Conditions diligently prior to using the website as your use of Finver indicates your agreement to be wholly bound by the Terms and Conditions without any modification. You agree that if you are unsure of the meaning of any part of these Terms and Conditions or have any questions regarding the Terms and Conditions, you will not hesitate to contact us for clarification. No extrinsic evidence, whether oral or written, will be incorporated and we will not be liable if for any reason Finver is unavailable at any time or for any period. From time to time, we may restrict access to some parts, services or all of the website

By using the Website, you warrant that all data provided by you is accurate. Any personal information collected in relation to the use of the website will be held and used in accordance with our Privacy Policy, which is available on https://finver.io/privacy-policy

You accept that the information contained on the website is provided “as is” and intended for information purposes only. Although we take reasonable steps to ensure the accuracy of information and we believe the information to be reliable when posted, it should not be relied upon and it does not in any way constitute either a representation, a warranty or a guarantee.

These Terms and Conditions specifically prohibit actions such as: accessing our servers or internal computer systems, interfering in any way with the functionality of this the website, gathering or altering any underlying software code or infringing any intellectual property rights. This list is non-exhaustive and similar actions are also strictly prohibited. You will not encourage a criminal offence; transmit or distribute a virus or any other material which is malicious, technologically harmful, in breach of confidence or in any way offensive or hack into any aspect of the service; corrupt data; cause annoyance to other users; infringe upon the rights of any other person's proprietary rights; send any unsolicited advertising or promotional material, commonly referred to as “spam”; or attempt to affect the performance or functionality of any computer facilities of or accessed through the website. Note that breaching this provision would constitute a criminal offence and we will report any such breach to the relevant law enforcement authorities and disclose your identity to them

You confirm that you are at least 18 years of age or are accessing the website under the supervision of a parent or legal guardian who is at least 18 years of age. You agree that the website may only be used in accordance with these Terms and Conditions. If you do not agree with these Terms and Conditions or do not wish to be bound by them, you agree to refrain from using the website.When providing details of transaction on your Finver account or the website, you undertake that all details you provide to us are true and accurate, that you are an authorised user of the credit or debit card used to make the transaction. We grant you a non-transferable, revocable and non-exclusive licence to use the website in accordance with the Terms and Conditions for such things as: viewing all your bank's financial transactions on one platform, creating budgets, adding your debit card(s), payment of utility bills i.e., power, airtime, transfer of funds to another mutual on the the website, payment for product and services/making purchases through the website. Commercial use or use on behalf of any third party is prohibited, except as explicitly permitted by us in advance.

The intellectual property rights in all software and content (including photographic images) made available to you on or through the Website remains the property of Finver and are protected by copyright laws and treaties around the world. You may store, print and display the content supplied solely for your own personal use. You are not permitted to publish, manipulate, distribute or otherwise reproduce, in any format, any of the content or copies of the content supplied to you or which appears on the Website nor may you use any such content in connection with any business or commercial enterprise

The services displayed on the website is provided without any guarantees, conditions or warranties as to its accuracy. Unless expressly stated to the contrary to the fullest extent permitted by law, Finver and its management hereby expressly exclude all conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity and shall not be liable for any damages whatsoever, including but without limitation to any direct, indirect, special, consequential, punitive or incidental damages, or damages for loss of use, profits, data or other intangibles, damage to goodwill or reputation. Except as where expressly stated to the contrary, all persons (including their names and images) third party trademarks and content, vendors, services and locations featured on the Website are in no way associated, linked or affiliated with the Finver and you should not rely on the existence of such connection or affiliation. Any trade marks/names featured on this the website are owned by the respective trade mark owners. Where a trade mark or brand name is referred to it is used solely to describe or identify the products and services and is in no way an assertion that such products or services are endorsed by or connected to Finver.

The website may contain links to other websites or (the "Linked Sites"), which are not operated by Finver. We have no control over the Linked Sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. Use of the Linked Sites will be subject to the terms of use and service contained within each such site. Creating any unauthorized link to the website is strictly forbidden without our prior written consent. Furthermore, we reserve the right to withdraw linking permission without notice.

You agree to indemnify, defend and hold harmless Finver, its directors, officers, employees, consultants, agents and affiliates, from any and all third- party claims, liability, damages and/or costs (including, but not limited to, legal fees) arising from your use of the website or your breach of the Terms and Conditions. We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your Phone, computer equipment, computer programs, data or other proprietary material due to your use of the website.

Finver reserves the right to change, amend or modify these Terms and Conditions at any time and such change, amendment or modification will be effective when posted on the website with no other notice provided.

If you breach any of these conditions and we take no action, we will still be entitled to use our rights and remedies in any other situation where you breach any of these conditions.

These Terms and Conditions shall be interpreted and governed by the laws in force in the Federal Republic of Nigeria. Subject to the Arbitration section below, each party hereby agrees to submit to the jurisdiction of the courts of Nigeria

Any controversy claim or dispute arising out of or relating to these Terms and Conditions will be referred to and finally settled by private and confidential binding arbitration before a single arbitrator held in Nigeria in English and governed by Nigerian law pursuant to the Arbitration and Conciliation Act Cap A18 Laws of the Federation of Nigeria 2004, as amended, replaced or re-enacted from time to time. The arbitrator shall be a person who is legally trained and who has experience in the information technology field in Nigeria and is independent of either party. Notwithstanding the foregoing, the website reserves the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the courts.

In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately terminate the Terms and Conditions or revoke any or all of your rights granted hereunder. Upon any termination of the Terms and Conditions, you shall immediately cease all access to and use of the website and we shall, in addition to any other legal or equitable remedies, immediately revoke all password(s) and account identification issued to you and deny your access to and use of the website in whole or in part. Any termination of these Terms and Conditions shall not affect the respective rights and obligations (including without limitation, payment obligations) of the parties arising before the date of termination. You furthermore agree that we shall not be liable to you or to any other person as a result of any such suspension or termination. If you are dissatisfied with the website or with any terms, conditions, rules, policies, guidelines, or practices of Finver in operating the website, your sole and exclusive remedy is to discontinue using the website.

These Terms and Conditions constitute the entire agreement of the parties and supersede any and all preceding and contemporaneous agreements between you and Finver. Any waiver of any provision of the Terms and Conditions will be effective only if it is in writing and signed by a Director of Finver.

You agree that that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Assigning or sub-contracting any of your rights or obligations under these Terms and Conditions to any third party is prohibited unless agreed upon in writing by Finver. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms and Conditions to any third party.