Terms & Conditions of Use

1.0 Website Use Terms

These website terms and conditions of use (“Terms”) contained herein on this webpage is a legal agreement between you, as a prospective customer of Woven Finance Limited (“Woven Finance”, “we”, “our” or “us”). These Terms shall govern your access to and use of our services which include all pages within our website, mobile applications and other products and services (collectively referred to as the “Services”). 

These Terms apply in full force and effect to your use of the Services and by using any of the Services, you expressly accept all terms and conditions contained herein in full and without limitation or qualification, including our Privacy Policy. We oblige you to therefore thoroughly read these Terms carefully before agreeing to be bound by them. You must not use any of the Services if you have any objection to any of these Terms.

2.0 Eligbility

By signing on to use our Services, you are warranting that you are not a person barred from receiving services under the laws of the applicable jurisdiction. If you are accepting these Terms and using the Services on behalf of a company, business, or organization, you represent and warrant that you are authorized to do so. 

3.0 Age Restriction

Our website and Services are directed to people from the ages of 18 and above. You are only permitted to use the Services if you are aged 18 or older. We do not knowingly engage people younger than the age of 18. If as a parent or guardian, you become aware that your child or ward child has provided us with any information without your consent, please contact us through the details provided in these Terms

4.0 Intellectual Property

Unless otherwise stated, we and/or our licensors own the intellectual property rights and materials on the website subject to the license below. All text, formatting (including without limitation the arrangement of materials on our website and the graphics, animation, tools, commercials, music, video, articles, sound, copy, trade names, logos and other materials and information on the website are subject to our and/or our licensors and licensees intellectual property rights (collectively the “Content”). We do not grant you any right, license, title or interest to any of our intellectual Property rights which you may or may not have access to.  

These Content may not be copied, reverse engineered, decompiled, disassembles, modified or reposted to other websites. Nothing on our website should be construed as granting by implication or otherwise, any license or right to use any trademark displayed on our website without our written permission or that of such third party that may own the trademark. You agree to take such actions including executing any and all documents that may be needed to further affirm our intellectual property rights. 

5.0 License to use our Website

We grant you a non-assignable, non-exclusive and revocable license to use the software provided as part of our Services in the manner permitted by these Terms. This license grant includes all updates, upgrades, new versions and replacement software for you to use in connection with our Services. 

 The Services are protected by copyright, trademark, and other laws of both Nigeria and foreign countries. Nothing in these Terms give you a right to use our name or any of our trademarks, logos, domain names, and other distinctive brand features. All right, title and interest in and to the Services are and will remain our and/or licensors’ exclusive property. You also agree not to alter, re-design, reproduce, adapt, display, distribute, translate, disassemble, reverse engineer, or otherwise attempt to create any source code that is derived from our software. 

6.0 Acceptable Use

By agreeing to these Terms, you agree to comply with our underlisted acceptable use.
1. Restricted Activities – You may not use our Service in connection with any product, service, transaction or activity that:
  1. violates any law or government regulation, or promotes or facilitates such by third parties; 
  2. violates any rule or regulation of Visa, MasterCard, Verve or any other electronic funds transfer network (each, a “Card Network”); 
  3. is fraudulent, deceptive, unfair or predatory; 
  4. causes or threatens reputational damage to us or any Card Network; 
  5. involves any of the business categories listed in 2 below; or 
  6. results in or creates a significant risk of chargebacks, penalties, damages or other harm or liability. 

2. Certain Business Categories – You may not use our Services in connection with any product, service, transaction or activity that: 

a. falls within the Prohibition List of the Nigerian Customs Administration of the Federal Republic of Nigeria. 

b. relate to transactions that: 
      1. show the personal information of third parties in violation of applicable law; 
      2. support pyramid or ponzi schemes, matrix programs, other “get rich quick” schemes or certain multi-level marketing programs; 
      3. are associated with purchases of annuities or lottery contracts, lay-away systems, off-shore banking or transactions to finance or refinance debts funded by a credit card; 
      4. pertain to ammunitions and arms; and 
      5. involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator has obtained our prior written approval and the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.


c. relates to the sale and/or purchase of:
      1. banned narcotics, steroids, certain controlled substances or other products that present a risk a consumer’s safety; 
      2. blood, bodily fluids or body parts; 
      3. burglary tools; 
      4. counterfeit items; 
      5. illegal drugs and drug paraphernalia; 
      6. fireworks, destructive devices and explosives; 
      7. identity documents, government documents, personal financial records or personal information (in any form, including mailing lists); 
      8. lottery tickets, sweepstakes entries or slot machines without the required license; 
      9. offensive material or hate speech or items that promote hate, violence, racial intolerance, or the financial exploitation of a crime; 
      10. police badges or uniforms; 
      11. chemicals; 
      12. recalled items; 
      13. prohibited services; 
      14. unlicensed financial services, stocks or other securities; 
      15. stolen property; 
      16. items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction; 
      17. sales of currency without BDC license, certain cryptocurrency operators; 
      18. obscene material or pornography; 
      19. certain sexually oriented materials or services;  
      20. certain firearms, firearm parts or accessories, ammunition, weapons or knives; or 
      21. any product or service that is illegal or marketed or sold in such a way as to create liability to us. 

7.0 Warranty Disclaimer

WE TRY TO KEEP OUR WEBSITE AND SERVICES AVAILABLE AT ALL TIMES, BUG-FREE AND SAFE, HOWEVER, YOU USE IT AT YOUR OWN RISK.

WE PROVIDE THE WEBSITE AND THE CONTENT “AS IS” WITH NO WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND (INCLUDING ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, SECURITY, TITLE, AND NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RIGHTS). WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, WE MAKE NO WARRANTY THAT OUR WEBSITE AND SERVICES WILL MEET YOUR REQUIREMENTS OR THAT OUR WEBSITE WILL REMAIN FREE FROM ANY INTERRUPTION, BUGS, INACCURACIES, AND ERROR FREE. YOUR USE OF OUR SERVICES ARE AT YOUR OWN RISK AND YOU ALONE WILL BE RESPONSIBLE FOR ANY DAMAGE THAT RESULTS IN LOSS OF DATA OR DAMAGE TO YOUR COMPUTER SYSTEM. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN OBTAINED BY YOU FROM OUR WEBSITE OR OUR SERVICES WILL CREATE ANY WARRANTY OR CONDITION NOT EXPRESSLY STATED.

8.0 Limited Liability

UNDER NO CIRCUMSTANCE SHALL WE BE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL PUNITIVE, CONSEQUENTIAL, SPECIAL OR EXEMPLARY DAMAGES, INCLUDING DAMAGES RESULTING FROM REVENUE LOSS, PROFIT LOSS, USE, DATA, GOODWILL , BUSINESS INTERRUPTION OR ANY OTHER INTANGIBLE LOSSES (WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH) ARISING OUT OF OUR WEBSITE OR SERVICES (INCLUDING, WITHOUT LIMITATION TO INABILITY TO USE, OR ARISING FROM THE RESULT OF USE OF OUR WEBSITE OR SERVICES) WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, TORT, CONTRACT, STATUTE OR ANY OTHER LEGAL THEORY.  

 SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES OR LIMITATIONS ON THE SCOPE AND DURATION OF SUCH WARRANTIES, SO THE ABOVE DISCLAIMERS MAY NOT APPLY TO YOU IN THEIR ENTIRITY, BUT SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. 

9.0 Indeminification

You hereby indemnify us and undertake to keep us, our staff and affiliates indemnified against any losses, damages, costs, liabilities and expenses (including without limitation reasonable legal fees and expenses) arising out of any breach by you of any provision of these Terms, or arising out of any claim that you have breached any provision of these Terms. You hereby undertake to indemnify and hold us harmless from and against any claim, suit or proceedings brought against us arising from or in connection with violations of Intellectual Property or other rights of third parties in relation to your use of the Services.

10.0 Breach of Terms

Without prejudice to other rights accruable to us under these Terms, any breach of these Terms will warrant our institution of such measures that we deem appropriate to deal with the breach, which may include but shall not be limited to suspending or prohibiting your access to and/or use of the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you. 

11.0 Updates, Modifications and Amendments

We reserve the right to update, modify, change or revise these Terms from time to time. The changes will not be retroactive, and the most current version of the Terms which will always be on this page and will continue to govern our relationship with you. We advise that you check this page often, referring to the date of the last modification on the page. We will also try to notify you of any material changes which could be done via email associated with your account or service notification. By continuing to use our Services after the changes become effective, you agree to be bound by the revised Terms. 

12.0 Governing Law

These Terms of Use shall be interpreted and governed by the laws currently in force in the Federal Republic of Nigeria. 

13.0 Dispute Resolution

We shall make an effort to settle all disputes amicably. Any dispute arising out of these Terms which cannot be settled, by mutual agreement/negotiation within 1 (one) month shall be referred to arbitration by a single arbitrator at the Lagos Multi-Door Courthouse (“LMDC”) and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both of us (we and you), where both of us are unable to agree on the choice of an arbitrator, the choice of arbitration shall be referred to the LMDC. The findings of the arbitrator and subsequent award shall be binding on both of us. Each of us shall bear our respective costs in connection with the Arbitration. Language of the arbitration shall be English and venue for the arbitration shall be Lagos, Nigeria. 

14.0 Miscellanous

These Terms supersedes and extinguishes all previous agreements between you and us whether written or oral, on this subject matter. If any portion of these Terms 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 shall not affect the validity or enforceability of any other part in these Terms. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.  

16.0 Contact us

1. To contact us, please email info@wovenfinance.com
Hours of Operation: 9am – 6pm (Mon – Fri)

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