Terms and Conditions

These Terms and Conditions contain and constitute the entire understanding and agreement between us in connection with and about the subject matter of these Terms and Conditions and supersede all earlier and other agreements and understandings between us and all earlier representations by either of us about such subject matter. Any prior representations, warranties, statements, and assurances which are not expressly set out in these Terms and Conditions will be of no effect. Each party warrants that there is no representation, warranty, promise, term, condition, obligation or statement upon which they have relied in entering into these Terms and Conditions and which is not expressly set out in these Terms and Conditions and no such representation, warranty, promise, obligation, statement or any other term or condition is to be implied in them whether by virtue of any usage or course of dealing or otherwise (including by statute or common law) except as expressly set out in these Terms and Conditions.

In the event of a lack of clarity on the interpretation of one or multiple provisions of these general Terms and Conditions, interpretation must adhere to ‘the spirit’ of these provisions.

If a situation were to occur between the parties that is not covered by these general Terms and Conditions, the situation will have to be assessed while adhering to the spirit of these general Terms and Conditions.

The Company reserves the right to reject use of the Platform or registration without having to state reasons or to make an agreement conditional on certain other requirements being met. If the Company decides to reject use of the Platform or registration, the Company will notify the person who submitted the registration within 10 working days after receiving the registration.

“Cashio Wallet” shall mean the website or online platform created, developed and designed by the Company for providing this Services.

“Company” or “we” or “Cashio Wallet” shall mean fund Finance and Technologies Limited, a company incorporated under the Laws of the Federal Republic of Nigeria with its registered office.

“Customer(s)” or “you” or “fundie” shall mean any person who accesses, downloads, uses, views the Platform and the Services rendered on it.

“Online Stores” shall mean Windows Store, Android Google Play, iOS App store or any other online store or portal where the Platform will be made available by the Company to the fundie, from time to time.

“Platform” shall mean the App and the Website collectively.

“Service” shall mean the services of facilitating exchange of digital assets on social media, gifting money and vouchers between social media users, monetising engagements with brand-incentivised surveys, donation to charities and other notable causes, and charging for informal services.

“Third Party” shall mean any individual, association, partnership, firm, company, corporation, consultant, Subcontractor, or combination thereof, including joint ventures, that is not a party to this Agreement.

“User Data” shall mean any data, information, documents or materials submitted by the fundie to the Company prior to or during the use of the Platform.

$ "Website" shall mean https://.mycashoiowallet.com & https://app.mycashiowallet.com, managed and operated by the Company for the provision of Services.

In order to use the Online Platform, you must:

License to use the services and tools offered through our site and: To use the Services, you are required to download and install the App. For this purpose, you represent and warrant that you are of the age of majority as per the Platform applicable laws to which you are subject to and are competent to understand, enter into, and comply with these Terms. The Company grants you a limited, non-exclusive, non-transferable, non-sub-licensable and revocable right to use the Platform. The Platform. is licensed and not sold to you and shall only be used as per these Terms.

Scope of License: You may use the Platform on/from mobile phones, tablets or any other electronic devices.

Maintenance & Support: You acknowledge that while the Company may, at its sole discretion, provide maintenance and support for the Platform from time to time, the Company shall have no specific obligation whatsoever to furnish such services to you.

Updates/Upgrades: We may launch new updates/upgrades for the Platform., you may subscribe to the same through the Online Stores. In the event, you choose not to update/upgrade the Platform, certain features or functionality shall not be accessible to you.

You agree not to:
Use the Platform for committing fraud, embezzlement, money laundering, or for any unlawful and/or illegal purposes.

Reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform.

Upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the Platform

Forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Platform. Upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).

Upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party.

$Upload, post, email, transmit or otherwise make available on the Platform, any unsolicited or unauthorized advertising, promotionalmaterials, "junk mail," "spam", "chain letters," "pyramid schemes," or any other form of solicitation.

Upload, post, email, transmit or otherwise make available on the Platform, any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Disrupt the normal flow of or otherwise act in a manner that negatively affects other user’s ability to engage in real time exchanges.

Interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform.

Intentionally or unintentionally violate any applicable local, state, national or international laws and any regulations having the force of law.

You understand, acknowledge and agree that the Company is the sole owner of all rights, title and interest, including any and all intellectual property rights in the Platform, Services, logos, trade names, brand names, designs and any necessary software used in connection with the Platform except for Third Party logos, trade names, brand names, designs, which applicable proprietary rights shall vest in the third parties accordingly.

There may be proprietary logos, service marks and trademarks found on the Platform whether owned/used by the Company or otherwise. By displaying them on the Platform, the Company is not granting you any license to utilize the proprietary logos, service marks, or trademarks. Any unauthorized use of the same may violate applicable intellectual property laws.

You understand and acknowledge that the Platform is owned by the Company. Nothing under these Terms shall be deemed to be a transfer in ownership, rights, title, from the Company to you or any third party, in the Platform. You are entitled to avail the Service offered by the Company during the validity of your registration with the Company.

$The Platform may contain links to other websites owned and operated by third parties who are not related to the Platform ("Linked Websites"). The Linked Websites are not under the control of the Company and the Company shall not be responsible for the content of any Linked Websites or any hyperlink contained in a Linked Website and makes no representation or warranty with respect to the content of any such third-party sites.

The Platform provides these links to you as a convenience only and the inclusion of any link does not imply any endorsement of the Linked Website by the Company. Your access or use of such Linked Website is entirely at your own risk. The Company shall not be a party to any transaction between you and the Linked Website. Your use of a Linked Website is subject to these terms and conditions of that respective Linked Website.

The Platform may also contain third party advertisements, if any. The display of such advertisements does not in any way imply an endorsement or recommendation by/of the relevant advertiser, its products or services. You shall independently refer to the relevant advertiser for all information regarding the advertisement and its products and/or services. The Company accepts no responsibility for any interaction between you and the relevant third party and is released from any liability arising out of or in any way connected with such interaction.