Terms and Conditions

1. Acceptance of Terms

Welcome to Geotopup Technology Solutions ("Geotopup," "we," "us," or "our"). These Terms and Conditions ("Terms," "Agreement") govern your access to and use of our products, services, websites, mobile applications, and any related services (collectively, the "Services").

By creating an account, accessing, or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy and any other applicable policies and guidelines.

If you do not agree to these Terms, you must not access or use our Services.

These Terms apply to all users of our Services, including visitors, registered users, content contributors, and customers in Nigeria and internationally.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• "Account" means the registered user account you create to access and use our Services.
• "Company," "we," "us," or "our" refers to Geotopup Technology Solutions, a technology company registered and operating in Nigeria.
• "Content" means any text, images, videos, audio, data, code, or other materials available through our Services.
• "User," "you," or "your" refers to any individual or entity that accesses or uses our Services.
• "User Content" means any content, data, or information that you upload, submit, post, or transmit through our Services.
• "Services" includes all products, features, applications, websites, and services provided by Geotopup, including but not limited to Geotopup Wallet, Tradewyre, Social Boosta, OneRoam, Inspiral Stories, and Fitly.
• "Nigerian Law" refers to the laws, regulations, and legal framework of the Federal Republic of Nigeria.

3. Eligibility and Account Registration

3.1 Eligibility Requirements

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts under Nigerian law
• Not be prohibited from using our Services under Nigerian or international law
• Not have been previously suspended or banned from using our Services
• Provide accurate, complete, and current information during registration
• Comply with all applicable laws, including AML/CTF regulations

3.2 Account Registration

When you create an Account, you agree to:

• Provide accurate, truthful, and up-to-date information
• Maintain the security and confidentiality of your account credentials
• Not share your account with any third party
• Notify us immediately of any unauthorized access or security breach
• Be responsible for all activities that occur under your account
• Complete identity verification (KYC) when required

3.3 Account Verification

We reserve the right to verify your identity and require additional documentation, including:

• Government-issued identification (National ID, International Passport, Driver's License)
• Bank Verification Number (BVN)
• National Identification Number (NIN)
• Proof of address
• Selfie or biometric verification
• Source of funds documentation

Failure to provide requested verification may result in account suspension or termination.

4. Description of Services

4.1 Geotopup Wallet

A fintech platform providing:

• Bills payment services (electricity, water, cable TV, internet)
• Airtime and data purchases
• Virtual USD card issuance and management

4.2 Tradewyre

A cryptocurrency trading platform offering:

• Buying and selling of cryptocurrencies
• Cryptocurrency swapping and exchange services
• Crypto wallet management
• Real-time market data and charts

4.3 Social Boosta

A social media growth and management tool providing:

• Social media follower growth services
• Engagement and interaction optimization
• Content scheduling and management
• AI-powered content generation

4.4 OneRoam

A travel and connectivity platform offering:

• Global eSIM services
• Flight booking and reservations
• Hotel booking and accommodation services
• Travel itinerary management
• International roaming solutions

4.5 Inspiral Stories

An audio storytelling platform featuring:

• World history and cultural stories
• Audio narration and podcasts
• Educational and inspirational content
• Offline listening capabilities
• Personalized content recommendations

4.6 Fitly

A fitness and wellness application providing:

• Personalized workout plans
• Fitness tracking and progress monitoring
• Nutrition guidance and meal planning
• Virtual fitness coaching
• Health and wellness resources

5. User Obligations and Conduct

5.1 Compliance with Laws

You agree to comply with all applicable laws and regulations, including but not limited to:

• Nigerian Data Protection Regulation (NDPR) and Nigeria Data Protection Act (NDPA)
• Economic and Financial Crimes Commission (EFCC) Act
• Money Laundering (Prohibition) Act
• Central Bank of Nigeria (CBN) regulations
• Securities and Exchange Commission (SEC) regulations
• Consumer Protection Council (CPC) Act
• Cybercrime Act 2015

5.2 Lawful Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You must not:

• Violate any local, state, national, or international law
• Infringe upon the rights of others
• Engage in fraudulent, deceptive, or misleading practices
• Interfere with or disrupt the integrity or performance of our Services
• Attempt to gain unauthorized access to our systems or networks

5.3 Account Security

You are responsible for maintaining the security of your Account, including:

• Keeping your password and authentication credentials confidential
• Using strong, unique passwords
• Enabling multi-factor authentication when available
• Monitoring your account for unauthorized activity
• Reporting any security breaches immediately

6. Prohibited Activities

You expressly agree not to engage in any of the following prohibited activities:

6.1 Illegal Activities

• Money laundering or terrorist financing
• Fraud, theft, or embezzlement
• Drug trafficking or illegal trade
• Tax evasion or financial crimes
• Human trafficking or exploitation
• Bribery, corruption, or any form of illegal activity

6.2 Technical Violations

• Hacking, phishing, or unauthorized access attempts
• Distributing malware, viruses, or harmful code
• Reverse engineering or decompiling our software
• Using bots, scripts, or automated tools
• Bypassing security measures or access controls
• Scraping or data mining without authorization

6.3 Abusive Behavior

• Harassment, bullying, or threatening other users
• Posting offensive, defamatory, or hateful content
• Impersonating others or creating fake accounts
• Spamming or unsolicited marketing
• Violating intellectual property rights

6.4 Financial Misconduct

• Unauthorized chargebacks or payment disputes
• Using stolen payment instruments
• Market manipulation or price fixing (for Tradewyre)
• Ponzi schemes or pyramid schemes
• Wash trading or self-dealing

7. KYC and AML Compliance

7.1 Know Your Customer (KYC)

In compliance with Nigerian regulations, we are required to verify the identity of our users. You agree to:

• Provide accurate and truthful identification information
• Submit required documentation within specified timeframes
• Update your information when it changes
• Cooperate with verification procedures
• Authorize us to verify your information with third-party services

7.2 Anti-Money Laundering (AML)

We maintain strict AML policies in accordance with Nigerian law. We reserve the right to:

• Monitor and investigate suspicious transactions
• Request additional documentation regarding the source of funds
• Report suspicious activities to relevant authorities (EFCC, NFIU)
• Freeze or suspend accounts pending investigation
• Refuse service to individuals or entities on sanctions lists

7.3 Transaction Monitoring

All transactions are subject to automated and manual monitoring for compliance purposes. Large or unusual transactions may require additional verification.

8. Payments, Fees, and Refunds

8.1 Service Fees

We charge fees for certain Services, which will be clearly disclosed before you complete a transaction. Fees may include:

• Transaction fees
• Service charges
• Subscription fees
• Withdrawal fees
• Currency conversion fees
• Third-party processing fees

8.2 Payment Methods

We accept various payment methods, including:

• Bank transfers (Nigerian banks)
• Debit and credit cards
• Mobile money (USSD, mobile wallets)
• Cryptocurrency (for applicable services)
• Third-party payment processors (Paystack, Flutterwave)

8.3 Pricing and Changes

We reserve the right to change our pricing and fees at any time. Changes will be communicated in advance, and continued use of Services after changes constitutes acceptance of new pricing.

8.4 Refund Policy

• Digital Services: Generally non-refundable once delivered
• Failed Transactions: Refunded within 7-14 business days
• Service Errors: Refunds processed on a case-by-case basis
• Subscription Services: No refunds for partial months; cancellation takes effect at end of billing period
• Disputes: Must be reported within 30 days of transaction

8.5 Taxes

You are responsible for all applicable taxes, including but not limited to Value Added Tax (VAT), as required by Nigerian law. Prices may include VAT where applicable.

9. Intellectual Property Rights

9.1 Our Intellectual Property

All content, features, functionality, trademarks, service marks, logos, designs, software, and other materials (collectively, "Geotopup IP") are owned by or licensed to Geotopup and are protected by Nigerian and international intellectual property laws.

This includes but is not limited to:

• Geotopup brand names and logos
• Product names (Geotopup Wallet, Tradewyre, Social Boosta, OneRoam, Inspiral Stories, Fitly)
• Software code and algorithms
• User interfaces and designs
• Content, text, images, and videos
• Databases and data compilations

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use our Services for personal or commercial purposes as intended
• Download mobile applications from authorized app stores
• View and interact with content made available through our Services

This license does not permit you to:

• Modify, copy, reproduce, or create derivative works
• Distribute, sell, rent, lease, or sublicense
• Reverse engineer, decompile, or disassemble
• Remove or alter copyright notices or trademarks

9.3 Copyright Infringement

We respect intellectual property rights and expect users to do the same. If you believe your copyright has been infringed, please contact us with:

• Description of the copyrighted work
• Location of infringing material
• Your contact information
• Statement of good faith belief
• Statement of accuracy under penalty of perjury

10. User-Generated Content

10.1 Your Content License to Us

When you submit, post, or upload User Content to our Services, you grant us a worldwide, non-exclusive, royalty-free, transferable license to:

• Use, reproduce, modify, adapt, and publish your content
• Display, distribute, and create derivative works
• Incorporate your content into our Services
• Sublicense to third-party service providers

10.2 Content Responsibility

You are solely responsible for your User Content and warrant that:

• You own or have necessary rights to the content
• Content does not violate any laws or rights of others
• Content is accurate and not misleading
• Content does not contain malware or harmful code

10.3 Content Moderation

We reserve the right to review, monitor, remove, or modify User Content that:

• Violates these Terms or our policies
• Is illegal, offensive, or harmful
• Infringes intellectual property rights
• Contains spam or unsolicited advertising

11. Disclaimers and Warranties

11.1 "As Is" Basis

Our Services are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, completeness, or reliability
• Uninterrupted or error-free operation

11.2 No Investment Advice

For cryptocurrency trading services (Tradewyre):

• We do not provide investment, financial, or tax advice
• Cryptocurrency trading involves significant risk
• Past performance does not guarantee future results
• You should consult professional advisors before trading

11.3 Third-Party Services

We are not responsible for:

• Third-party content, products, or services
• Actions or omissions of third-party providers
• Availability or accuracy of external websites
• Third-party payment processors or banks

11.4 Health Disclaimers (Fitly)

Fitness and health information is for educational purposes only:

• Not a substitute for professional medical advice
• Consult healthcare providers before starting any fitness program
• We are not responsible for injuries or health issues

12. Limitation of Liability

12.1 No Liability for Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, GEOTOPUP SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Service interruptions or data loss
• Unauthorized access to your account or data
• Errors, mistakes, or inaccuracies in content
• Personal injury or property damage
• Third-party conduct or content

12.2 Liability Cap

Our total liability to you for all claims arising from or related to these Terms or our Services shall not exceed the greater of:

• The amount you paid to us in the 12 months preceding the claim, or
• NGN 100,000 (One Hundred Thousand Naira)

12.3 Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including:

• Natural disasters, pandemics, or acts of God
• War, terrorism, or civil unrest
• Government actions or regulatory changes
• Internet outages or telecommunications failures
• Cyberattacks or security breaches

13. Indemnification

You agree to indemnify, defend, and hold harmless Geotopup Technology Solutions, its affiliates, officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of our Services
• Your violation of these Terms or any applicable law
• Your violation of any rights of third parties
• Your User Content or conduct
• Any fraudulent or illegal activity associated with your Account

This indemnification obligation will survive termination of these Terms and your use of our Services.

14. Termination and Suspension

14.1 Termination by You

You may terminate your Account at any time by:

• Contacting our customer support
• Following account closure procedures in the app
• Sending written notice to our registered address

14.2 Termination by Us

We reserve the right to suspend or terminate your Account immediately, without prior notice, if:

• You violate these Terms or any applicable policies
• We suspect fraudulent, illegal, or suspicious activity
• We are required to do so by law or regulatory authorities
• Your account has been inactive for an extended period
• We decide to discontinue the Services

14.3 Effects of Termination

Upon termination:

• Your access to Services will be immediately revoked
• We may delete your Account and data (subject to legal retention requirements)
• You must immediately cease using our Services
• Outstanding fees and obligations remain payable
• Provisions that should survive termination will continue to apply

14.4 No Liability

We are not liable to you or any third party for termination or suspension of your Account.

15. Dispute Resolution and Governing Law

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

15.2 Jurisdiction

Any legal action or proceeding arising out of or related to these Terms shall be brought exclusively in the competent courts located in Ibadan, Oyo State, Nigeria, or the Federal High Court of Nigeria.

15.3 Dispute Resolution Process

Before initiating any legal proceedings, you agree to attempt to resolve disputes through the following process:

Step 1: Informal Negotiation

Contact us at legal@geotopup.com with a detailed description of the dispute. We will attempt to resolve the matter within 30 days.

Step 2: Mediation

If informal negotiation fails, the parties agree to submit the dispute to mediation before a mutually agreed mediator in Ibadan, Nigeria.

Step 3: Arbitration (Optional)

If mediation fails, disputes may be resolved through binding arbitration under the Arbitration and Conciliation Act (Cap A18, Laws of the Federation of Nigeria).

15.4 Class Action Waiver

You agree to bring claims against us only in your individual capacity and not as part of any class or representative action.

15.5 Time Limitation

Any claim or cause of action arising from these Terms must be filed within one (1) year after the claim arose, or it will be permanently barred.

16. Modifications to Terms

We reserve the right to modify, amend, or update these Terms at any time at our sole discretion.

16.1 Notice of Changes

When we make material changes, we will:

• Update the "Last Updated" date at the top of these Terms
• Notify you via email or through our Services
• Display a prominent notice on our website or app
• Request your acceptance if required by law

16.2 Acceptance of Changes

Your continued use of our Services after changes take effect constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using our Services and close your Account.

16.3 Review Responsibility

It is your responsibility to review these Terms periodically for updates and changes.

17. Miscellaneous Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other applicable policies, constitute the entire agreement between you and Geotopup regarding the use of our Services.

17.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17.4 Assignment

You may not assign or transfer these Terms or your Account without our prior written consent. We may assign or transfer these Terms at any time without restriction.

17.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and Geotopup.

17.6 Survival

Provisions that by their nature should survive termination shall survive, including but not limited to: intellectual property rights, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law.

17.7 Language

These Terms are written in English. Any translations are provided for convenience only. In the event of any conflict, the English version shall prevail.

17.8 Notices

All notices to you will be provided via email, through our Services, or by posting on our website. Notices to us must be sent to the contact information provided in Section 18.

17.9 Electronic Communications

You consent to receive electronic communications from us, and agree that such communications satisfy any legal requirement that communications be in writing.

18. Contact Information

If you have any questions, concerns, or inquiries about these Terms and Conditions, please contact us: