Terms and Conditions

Use of the Site

You confirm that you are at least 18 years of age or are accessing the Site under the supervision of a parent or legal guardian.

Both Parties agree that this website may only be used in accordance with these Terms and Conditions of Use. If you do not agree with the Terms and Conditions of Use or do not wish to be bound by them, you agree to refrain from using the Site.

We grant you a non-transferable, revocable and non-exclusive access to use this Site, in accordance with the Terms and Conditions of Use, for such things as: processing creating accounts on Tudo, processing requests, assessing your personal TUDO account information, making withdrawals, saving funds, shopping for items sold on the Site, gathering prior information regarding our products and services and making purchases. Commercial use or use on behalf of any third party is prohibited, except as explicitly permitted by us in advance. These Terms and Conditions of Use specifically prohibit actions such as: accessing our servers or internal computer systems, interfering in any way with the functionality of the Site, gathering or altering any underlying software code, infringing any intellectual property rights. This list is non-exhaustive and similar actions are also strictly prohibited. You are using this app for the purpose of creating personal savings goals or fund collections which will be exclusively managed by VFDMicrofinance Bank

You certify that you will not access or withdraw those funds until the stipulated dates.
You accept to bear the consequence and penalty fees associated with early withdrawals of funds, as would be communicated from time to time.
You accept to be charged a 2% commission on all funds raised via Tudo.
You accept these terms andon conditions upon creation of a savings account and Tudo goals.
You accept to grant us access to your contacts for the sole purpose of facilitating in app communication between you and your network.

Any breach of these Terms and Conditions of Use shall result in the immediate revocation of the access granted in this paragraph without prior notice to you. Should we determine at our sole discretion that you are in breach of any of these conditions, we reserve the right to deny you access to the Site and its contents and do so without prejudice to any available remedies at law or otherwise.

Certain services and related features that may be made available on the Site may require registration or subscription. Should you choose to register or subscribe for any such services or related features, you agree to provide accurate and current information about yourself, and to promptly update such information if there are any changes. Every user of the Site or application is solely responsible for keeping their passwords and other account identifiers safe and secure.

The account owner is entirely responsible for all activities that occur under such password or account. Furthermore, you must notify us of any unauthorized use of your password or account. The Site shall not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure to comply with this section.

During the registration process you agree to receive promotional emails from the Site. You can subsequently opt out of receiving such promotional e-mails by clicking on the link at the bottom of any promotional email.

Services

Here’s some information about all the ways you can enjoy Tudo:

Create personal savings goals
Fund Collections

User Submissions

Anything that you submit to the Site and/or provide to us, including but not limited to, questions, reviews, enquiries, comments, and suggestions (collectively, "Submissions") will become our sole and exclusive property and shall not be returned to you.

In addition to the rights applicable to any Submission, when you post comments or reviews to the Site, you also grant us the right to use the name that you submit, 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, remove or edit any Submissions.

By signing up or completing a transaction on Tudo, you agree to receive

emails associated with your Tudo account,
emails associated with finalizing your order, which may contain relevant offers from third parties,
emails asking you to review the Site and your request, and
promotional emails, SMS and push notifications from the Site. You may unsubscribe from promotional emails via a link provided in each email.

If you would like us to remove your personal information from our database, unsubscribe from emails and/or SMS, please email us at the email address indicated on the Site.

Any personal information collected in relation to the use of the Site shall be held and used in accordance with our privacy policy, which is available on our Site.

Information Available on Website

You accept that the information contained on the Site is provided as is, where it is intended for information purposes only and that it is subject to change without notice. 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 or a warranty or a guarantee.

Accessibility of Website

Our aim is to ensure accessibility to the Site at all times, however we make no representation of that nature and reserve the right to deactivate the Site at any time and without notice. You accept that service interruption may occur in order to allow for website improvements, scheduled maintenance or may also be due to outside factors beyond our control.

Links and Thirds Party Websites

We may include links to third party websites at any time. However, the existence of a link to another website should not be considered as an affiliation or a partnership with a third party or viewed as an endorsement of a particular website unless explicitly stated otherwise.

In the event the user follows a link to third party websites, he or she does so at his or her own risk. We accept no responsibility for any content, including, but not limited to, information, products and services, available on third party websites.

Creating a link to this website is strictly forbidden without our prior written consent. Furthermore, we reserve the right to revoke our consent without notice or justification.

Intellectual Property

Both parties agree that all intellectual property rights and database rights, whether registered or unregistered, in the Site, information content on the Site and all the website design, including, but not limited to, text, graphics, software, photos, video, music, sound, and their selection and arrangement, and all software compilations, underlying source code and software shall remain at all times vested in us or our licensors. Use of such material will only be permitted as expressly authorized by us or our licensors.

Any unauthorized use of the material and content of the Site is strictly prohibited and you agree not to, or facilitate any third party to, copy, reproduce, transmit, publish, display, distribute, commercially exploit or create derivative works of such material and content.

Data Protection

Any personal information collected in relation to the use of the Site shall be held and used in accordance with our privacy policy, which is available on our Site.

Hyperlinks from the Site to 3^rd Party Websites

There may be cases where we provide hyperlinks on the Site to other locations or websites on the Internet. These hyperlinks may lead to affiliated websites or websites published or operated by third parties who are not affiliated with or in any way related to us. They have been included in our website to enhance your user experience and are presented for information purposes only. We endeavor to select reputable websites and sources of information for your convenience.

By providing hyperlinks to affiliated websites, we shall be deemed to endorse, recommend, approve, guarantee the services provided on the affiliate websites. Affiliated websites for this purpose shall mean websites developed and owned by Tudo.

However, by providing hyperlinks to an external website or webpage, we shall not be deemed to endorse, recommend, approve, guarantee or introduce any third parties or the services/ products they provide on their websites, or to have any form of cooperation with such third parties and websites unless otherwise stated by us.

We are not in any way responsible for the content of any externally linked website or webpage. You use or follow these links at your own risk and we are not responsible for any damages or losses incurred or suffered by you arising out of or in connection with your use of the links. We are not a party to any contractual arrangements entered into between you and the provider of the external website unless otherwise expressly specified or agreed to by us.

Any links to websites that contain downloadable software are provided for your convenience only. Again we are not responsible for any difficulties you may encounter in downloading the software or for any consequences arising from your doing so. Please remember that the use of any software downloaded from the Internet may be governed by a license agreement and your failure to observe the terms of such license agreement may result in an infringement of intellectual property rights of the relevant software provider which we are not in any way responsible.

Our Trademarks and Copyright

All data and content contained on the Site or delivered to you in connection with your use of the Site is the property of Tudo. The materials on this Site are protected by copyright and no part of such materials may be modified, reproduced, stored in a retrieval system, transmitted (in any form or by any means), copied, distributed, used for creating derivative works or used in any other way for commercial or public purposes without our prior written consent.

Indemnity

You agree to indemnify and hold us, our affiliates, officers, directors, agents and/or employees, as the case may be, free from any claim or demand, including reasonable legal fees, related to your breach of these Terms and Conditions of Use.

Applicable Law and Jurisdiction

These Terms and Conditions of Use 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 and to waive any objections based upon venue.

Arbitration

Any controversy, claim or dispute arising out of or relating to these Terms and Conditions of Use will be referred to and finally settled by private and confidential binding arbitration before a single arbitrator held in Lagos, 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 is an expert in information technology in Nigeria and is independent of either party. Notwithstanding the foregoing, the Site reserves the right to pursue the protection of intellectual property rights and confidential information through injunctive or other equitable relief through the courts.

Termination

In addition to any other legal or equitable remedies, we may, without prior notice to you, immediately terminate the Terms and Conditions of Use or revoke any or all of your rights granted hereunder.

Upon any termination of this Agreement, you shall immediately cease all access to and use of the Site 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 this Site in whole or in part. Any termination of this agreement 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 the Site shall not be liable to you or to any other person as a result of any such suspension or termination of use.

If you are dissatisfied with the Site or with any terms, conditions, rules, policies, guidelines, or practices of Tudo in operating the Site, your sole and exclusive remedy is to discontinue use of the Site.

Severability

If any portion of these terms or conditions is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms and Conditions of Use and shall not affect the validity or enforceability of any other section listed in this document.

Miscellaneous Provisions

You agree 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 of Use to any third party is prohibited unless agreed upon in writing by us.

We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of our rights or obligations under these Terms and Conditions of Use to any third party.