Splitam

Privacy Policy

This privacy policy (Policy) together with our Terms of Use as set out and any additional terms of use apply to your use of: Splitam mobile application software (App) available on our site OR hosted on the Google Play Store (App Site), once you have downloaded or streamed a copy of the App onto your mobile telephone or handheld device (Device). Any of the services accessible through the App (Services) or those available on the App Site or other sites of ours or other third-party Sites (Service Sites). This policy sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it. By downloading the App, you confirm that you have read, understood and accept the terms of this Policy set out hereunder. You also consent to the collection, use, storage, processing and disclosure of your personal information in the manner set out in this Policy.

We may collect and process the following data about you.

i. Information you give us about you (Submitted information): We may collect and process the following data about you.

• provided by filling in forms when visiting our sites or on our App


• provided by corresponding with us for example, by e-mail or chat


• provided by downloading or signing up on the App, searching for an app or Service, sharing data via the App's social media functions, entering a competition, promotion or survey, and reporting a problem with the App, our Services, our App Site or any of Our Service Sites.

Each time you visit one of our Sites or use one of our Apps we may automatically collect the following information:

• technical information, including the type of mobile device you use, unique device identifiers (for example, your Device's IMEI or serial number), information about the SIM card used by the Device, mobile network information, your Device's operating system, the type of browser you use, or your Device's location and time zone setting (Device Information);


• information stored on your Device, including contact lists, call logs, SMS logs, social media accounts, other financial applications, photos, videos or other digital content (Content Information);


• data from your use of any other third-party application on the Device or the Service Sites; and


• details of your use of any of our Apps or your visits to any of Our Service Sites; including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).

When you install or uninstall a Service containing a unique application number or when such a Service searches for automatic updates, that number and information about your installation, for example, the type of operating system, may be sent to us.

We may use mobile tracking technologies and/or website cookies to distinguish you from other users of the App, App Site, or Service Sites. This helps us to provide you with a good experience when you use the App or browse any of the Service Sites and also allows us to improve the App and Our Service Sites.

We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this Policy for as long as it is combined.

We may disclose your personal information to any member of our group, which means our subsidiaries, affiliates, our holding company and its subsidiaries. We may disclose your personal information to third parties:

• in the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets;


• if Splitam or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets;


• if we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation or request; and/or

The data that we collect from you may be transferred to, and stored at, a destination outside your country of origin or residence (as applicable). It may also be processed by staff operating outside your country of origin or residence (as applicable), who work for us or for one of our suppliers. These staff members may be engaged in the fulfillment of your requests on the Service Sites. By submitting your personal data, you agree to the collection, transfer, storing or processing of your personal data in the manner set out above. We will take all steps reasonably necessary to ensure that your data is treated, stored and processed securely and in accordance with this privacy Policy.

Where we have given you (or where you have chosen) a password that enables you to access certain parts of Our Service Sites, you are responsible for keeping this password confidential. We ask you not to share a password with anyone. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to Our Service Sites; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.

Should we wish to use your information for marketing purposes, we will inform you prior to such use. You shall be entitled to prevent such usage by informing us, within 10 days of being informed of the proposed use, that you do not wish to disclose such information. You can also exercise the right at any time by contacting us at hello@splitam.co

Any changes we may make to this Policy in the future will be posted on this page and, where appropriate, notified to you when you next start the App or log onto one of the Service Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services. In any event, by continuing to use the App or any Services after the posting of any changes, you confirm your continuing acceptance of this Policy together with such changes, and your consent to the terms set out therein.

The Social Applicatio uses the collected data for various purposes:

• To comply with applicable laws, regulations, legal processes or government request including but not limited to Know Your Customer Principles, Customer Due Diligence, Anti-Money Laundering and Anti-Terrorism Financing


• To provide and maintain the Service
• To notify you about changes to the Service


• To allow you to participate in interactive features of our Service when you choose to do so


• To provide customer care and support


• To provide analysis or valuable information so that we can improve the Service


• To monitor the usage of the Service


• To use your Personal Data for operational, marketing and other promotional purposes.


• To detect, prevent and address technical issues

Your information, including Personal Data, may be transferred to and maintained on computers located outside of your town, city, local government area, state, country or other governmental jurisdiction where the data protection laws may differ from those from your jurisdiction. If you are located outside Nigeria and choose to provide information to us, please note that we transfer the data, including Personal Data, to Nigeria and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer in your Personal Data will take place in an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data Legal Requirements We may disclose your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend our rights or property
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of users of the Service or the public
• Protect against legal liability

The security of your data is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use Global best practice commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

However, it is important to note that your password is the key to your account. Please use unique numbers, letters and special characters, and do not share your password with anyone. If you do share your password with others, you will be responsible for all actions taken in the name of your account and the consequences. If you lose control of your password, you may lose substantial control over your personal information and other information submitted to us. You could also be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason or if you have grounds to believe that your password has been compromised, you should immediately contact us and change your password. You are reminded to log off from your account and close the browser when finished while using a shared computer.

We may employ third party companies and individuals to facilitate our Service ("Service Providers"), to provide the Service on our behalf, to perform Service-related services or to assist us in analyzing how our Service is used. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Our Service does not address anyone under the age of 18 ("Children").

We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child or children have provided us with personal data, please contact us at hello@splitam.co . If we become aware that we have collected personal data from children without verification of parental consent, we shall take steps to remove that information from our servers.

• Right to Rectification: Users can modify or change their name, email, password, and mobile login PIN via their profile.


• Right of Access, Erasure, and Restrict Processing: Users can request access or erasure of their personal information, as well as request restriction on further processing of their personal information by contacting us athello@splitam.co. Please allow up to 30 days for requests to be processed. We reserve the right to charge a reasonable fee to process excessive or repeated requests.


• Right to Withdraw Consent: Users can stop receiving our promotional emails by following the unsubscribe instructions included in every email we send, or by adjusting your Marketing Preferences in your profile. Users also have choices with respect to cookies, as described above. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies some parts of our Service may not work properly in your case.


• Right to lodge a complaint with a supervisory authority: Should you feel your data privacy rights are not being adequately protected by us, you have the right to lodge a formal complaint with the appropriate supervisory authority.

Policy We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact us if you have questions regarding your data privacy rights or would like to submit a related data privacy right request, please email us at hello@splitam.co . Please allow up to 30 days for requests to be processed.

Contact us by sending an e-mail to hello@splitam.co if you have any questions about this Privacy Policy.

Terms of use

This Agreement is a social services and an end-user license agreement between you (“End-user”or “you”) and the relevant Splitam which is a product of Splitam Technologies Limited (RC 7039874) (“Splitam ”, “us” or “we”) for the mobile application software, the data supplied with the software and the associated Services (defined below) (“App”).

This Agreement (together with our Privacy Policy) sets out the complete terms and conditions (the “Terms and Conditions”) which shall be applicable to the Account (as hereinafter defined) opened by you with Splitam .

These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.

For the purposes of this Agreement and the preamble above, unless the context requires otherwise:

• Acceptable Use Restrictions has the meaning given to it in clause 5;


• Agreement means this Agreement;


• Business Day means a day other than a Saturday, Sunday or national or public holiday in your country;


• Credentials means your personal credentials used to access the App and operate your Account;


• Electronic Money means a monetary value that is electronically stored in an instrument or device representing an equal amount of cash;


• Electronic Payment Service means the payment service delivered in electronic form by a licensed payment service provider in accordance with the laws and regulations of your Nigeria;


• Electronic Payment System means the facility operated by the Payment System Provider for the provision of the Electronic Payment Service;


• Encumbrance includes any mortgage or charge (whether legal or equitable), lien, option, security interest, restrictive covenant, pledge, assignment, title retention, trust arrangement or other restriction of any kind or other encumbrance securing or any right conferring a priority of payment in respect of any obligation of any person;


• Equipment includes your mobile phone handset, SIM Card and/or other equipment which when used together enables you to access the Network;


• Event of Default has the meaning given to it in clause 11.1;


• Force Majeure means events, circumstances or causes beyond the reasonable control of Splitam making Splitam 's performance of its obligations inadvisable, commercially impracticable, illegal, or impossible, including but not limited to acts of God, war, strikes or labour disputes, embargoes or government orders, pandemics, epidemics;


• Licence Restrictions has the meaning given to it in clause 4;


• Mobile Network Operator means a mobile network operator in your country licensed in accordance with the relevant laws and regulations;


• Network means a mobile cellular network operated by a Mobile Network Operator;


• Payment System Provider means a Mobile Network Operator, Deposit Banks, and other financial institutions that has been duly licensed by the laws and regulations of Nigeria to provide electronic payment services in Nigeria;


• Privacy Policy means the Nigerian Privacy Policy that sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us;


• Request means a request or instruction received by Splitam from you or purportedly from you through the Network and the Electronic Payment System and upon which Splitam is authorised to act;


• Services shall include any form of financial services or products that Splitam may offer you pursuant to this Agreement and which you may from time to time subscribe to; and “Service” shall be construed accordingly;


• SIM Card means the subscriber identity module which when used with the appropriate mobile phone handset enables you to access the Network and, in some cases, to use the Value Storage Account (as defined below);


• SMS means a short message service consisting of a text message transmitted from your mobile phone to another;


• System means Splitam's electronic communications software enabling you to communicate with Splitam for purposes of the Services. The System and the Services will for the purpose of this Agreement be accessed through the Electronic Payment System;


• Technology has the meaning given to it in clause 3.1.4;


• Transaction Fees includes any fees and charges payable for the use of the Services as published by Splitam on Splitam 's website or by such other means as Splitam shall in its sole discretion determine. Transaction Fees are subject to change at any time at Splitam's sole discretion; and


• Value Storage Account means your electronic money store of value, being the record maintained by a Payment System Provider from time to time held by you in the Electronic Payment System.

In addition to the definitions in clause 1.1, unless the context requires otherwise: the singular shall include the plural and vice versa; a reference to any one gender, whether masculine, feminine or neuter, includes the other two. all the headings and sub-headings in this Agreement are for convenience only and are not to be taken into account for the purposes of interpretation of this Agreement. the recitals and schedules shall be deemed to form part of this Agreement.

2.1 You must carefully read and understand the Terms and Conditions set out in this Agreement and as amended from time to time by Splitam (the Terms and Conditions) before downloading or streaming the App or opening an account with Splitam which will govern the use and operation of the App and the Account.

2.2 After downloading the App, you will be deemed to have accepted the Terms and Conditions immediately upon your clicking the “Continue” button during your Loan application on Splitam ’s System or any other button which signifies your acceptance of these Terms and Conditions and an intention to use the App. If you do not agree with the Terms and Conditions please do not click “Continue” in Splitam ’s System. Please note that you will not be able to access the Services if you decline the Terms and Conditions. If you do not agree to the Terms and Conditions, we will not give you access to Splitam Services.

2.3 By downloading the App and opening an Account with Splitam , you agree to comply with and be bound by the Terms and Conditions governing the operation of the Account and you affirm that the Terms and Conditions herein are without prejudice to any other right that Splitam may have with respect to the Account in law or otherwise.

2.4 These Terms and Conditions may be amended or varied by Splitam from time to time and your continued use of the Services constitutes your agreement to be bound by the terms of any such amendment or variation. Splitam will take all reasonable measures to notify you of any changes.

2.5 From time to time updates to the App may be issued. Depending on the update, you may not be able to use the Services until you have downloaded or streamed the latest version of the App and accepted any new terms and conditions.

2.6 By using the App or any of the Services, you consent to us collecting and using technical information about the Equipment and related software, hardware and peripherals for Services that are internet-based or wireless to improve our products and to provide any Services to you. If you use these Services, you consent to us and our affiliates' and licenses' transmission, collection, retention, maintenance, processing and use of your data to improve our Services and/or your experience while using the App.

These terms and conditions ('Terms', 'Agreement') is an agreement between Splitam, that is operated by Splitam Technologies Ltd and you (the user). This Agreement sets forth the general terms and conditions of your use of any of its products or services (collectively, 'Mobile Application' or 'Services').

3.1 In consideration of you agreeing to abide by the terms of this Agreement, we grant you a non-transferable, non-exclusive licence to use the App on your Equipment, subject to these Terms and Conditions. We reserve all other rights. Except as expressly set out in this Agreement or as permitted by any local law, you agree:

3.1.1 not to rent, lease, sub-license, translate, merge, adapt, vary or modify the App;

3.1.2 not to make alterations to, or modifications of, the whole or any part of the App, or permit the App or any part of it to be combined with, or become incorporated in, any other programs;

3.1.3 not to disassemble, decompile, reverse-engineer or create derivative works based on the whole or any part of the App or attempt to do any such thing except to the extent that such actions cannot be prohibited because they are essential for the purpose of achieving inter-operability of the App with another software program, and provided that:

3.1.3.1 the information obtained by you during such activities is not disclosed or communicated without our prior written consent to any third party, and is not used to create any software that is substantially similar to the App,

3.1.3.2 you include our copyright notice on all entire and partial copies you make of the App on any medium and you undertake not to provide or otherwise make available the App in whole or in part (including object and source code), in any form to any person without prior written consent from us; and

3.1.4 to comply with all technology control or export laws and regulations in your country that apply to the technology used or supported by the App or any Service (the Technology).

4. LICENCE RESTRICTIONS

4.1.1 use the App or any Service in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with this Agreement, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the App, any Service or any operating system;

4.1.2 infringe our intellectual property rights or those of any third party in relation to your use of the App or any Service, including the submission of any material (to the extent that such use is not licensed by this Agreement);

4.1.3 ransmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the App or any Service;

4.1.4 use the App or any Service in a way that could damage, disable, overburden, impair or compromise our systems or security or interfere with other users; and

4.1.5 collect or harvest any information or data from any Service or our systems or attempt to decipher any transmissions to or from the servers running any Service.

5. ACCEPTABLE USE RESTRICTIONS

5.1.1 You acknowledge that all intellectual property rights in the App and the Technology anywhere in the world belong to us or our licensors, that rights in the App are licensed (not sold or assigned) to you, and that you have no rights in, or to, the App or the Technology other than the right to use each of them in accordance with the terms of this Agreement. You acknowledge that you have no right to have access to the App in source-code form.

5.2.1 The Services offered by Splitam can only be utilized by persons over the age of 13. Splitam reserves the right to verify the authenticity and status of your Identity Numbers with the relevant Authorities.

5.2.2 Splitam ’s acceptance of your application for an Account will be displayed on the App. You hereby acknowledge and accept that the acceptance by Splitam of your application for an Account does not create any contractual relationship between you and the Payment System Provider.

13. EXCLUSION OF LIABILITY

13.1 Splitam shall not be responsible for any loss suffered by you should the Services be interfered with or be unavailable by reason of the failure of any of your Equipment, or any other circumstances whatsoever not within Splitam ’s control including , without limitation, Force Majeure or error, interruption, delay or non- availability of the System, terrorist or any enemy action, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.

13.2 You acknowledge that the App has not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the App as described meet your requirements.

13.3 We only provide the Services on the App for domestic, private use, and small and medium business financing needs, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity as a result of your unauthorised use of the App.

13.4 Splitam will not be liable for any losses or damage suffered by you as a result of or in connection with:

13.4.1 any defect or fault in the App or any Service resulting from you having altered or modified the App;

13.4.2 any defect or fault in the App resulting from you having used the App in breach of the terms of this Agreement;

13.4.3 your breach of any of the Licence Restrictions or the Acceptable Use Restrictions;

13.4.4 unavailability of sufficient funds in your Value Storage Account;

13.4.5 failure, malfunction, interruption or unavailability of the System, your Equipment, the Network or the Electronic Payment System; the money in your Account being subject to legal process or other encumbrance restricting payments or transfers thereof; your failure to give proper or complete instructions for payments or transfers relating to your Account;

13.4.6 any fraudulent or illegal use of the Services, the System and/or your Equipment; or

13.4.7 your failure to comply with the Terms and Conditions and any document or information provided by Splitam concerning the use of the System and the Services.

13.5 If for any reason other than a reason mentioned in clauses 13.1 to 13.4, the Services are interfered with or unavailable, Splitam ’s sole liability under this Agreement in respect thereof shall be to re-establish the Services as soon as reasonably practicable.

13.6 Save as provided in clause 13.5, Splitam shall not be liable to you for any interference with or unavailability of the Services, howsoever caused.

13.7 Under no circumstances shall Splitam be liable to you for any loss of profit or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the Services even where the possibility of such loss or damage is notified to Splitam

13.8 All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.

14. INDEMNITY

14.1 In consideration of Splitam complying with your instructions or requests in relation to your Account, you undertake to indemnify Splitam and hold it harmless against any loss, charge, damage, expense, fee or claim which Splitam suffers or incurs or sustains thereby and you absolve Splitam from all liability for loss or damage which you may sustain from Splitam acting on your instructions or Requests or in accordance with these Terms and Conditions.

14.2 The indemnity in clause 14.1 shall also cover the following:

14.2.1 All demands, claims, actions, losses and damages of whatever nature which may be brought against Splitam or which it may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond Splitam ’s control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by Splitam

14.2.2 Any loss or damage that may arise from your use, misuse, abuse or possession of any third-party software, including without limitation, any operating system, browser software or any other software packages or programs.

14.2.3 Any unauthorised access to your Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment.

14.2.4 Any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by Splitam as a consequence of any breach of these Terms and Conditions.

14.2.5 Any damages and costs payable to Splitam in respect of any claims against Splitam for recompense for loss where the particular circumstance is within your control.

15. COMMUNICATION BETWEEN US

15.1 If the User wishes to contact Splitam in writing, or if any condition in these Terms and Conditions requires the User to give notice to Splitam , you can send this to us by e-mail to hello@splitam.co or to such e-mail address that may be communicated to you from time to time. We will confirm receipt of this by contacting you in writing by e-mail.

15.2 If we have to contact you or give you notice in writing, we will do so by posting such notice on our website; or by e-mail or sms to the mobile phone number or e-mail address you provide to us in your request for the App.

16. GENERAL

16.1 Remedies Cumulative

No failure on the part of any party to exercise, or delay on its part in exercising, any right, power or remedy provided by this Agreement or by law shall operate as a waiver thereof, nor shall any single or partial exercise of any such right, power or remedy preclude any further or other exercise of that, or any other, right, power or remedy.

16.2 No waiver

No failure by Splitam to exercise, and no delay in exercising, any right or remedy in respect of any provision of this Agreement shall operate as a waiver of such right or remedy.

16.3 Effect of invalidity

If any provision or part of a provision of this Agreement shall be, or be found by any court of competent jurisdiction to be, invalid or unenforceable, such invalidity or unenforceability shall not affect the other provisions or parts of such provisions of this Agreement, all of which shall remain in full force and effect.

17. ENTIRE AGREEMENT

17.1 These Terms and Conditions and our Privacy Policy constitute the entire agreement between you and us and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between us, whether written or oral, relating to its subject matter.

17.2 You acknowledge that in entering into this Agreement you do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in these Terms and Conditions or our Privacy Policy.

17.3 You agree with us that neither of us shall have any claim for innocent or negligent misrepresentation or negligent misstatement based on any statement in this Agreement.

18. DISPUTE RESOLUTION

18.1 Disputes

The Parties shall use their good faith efforts to resolve any dispute, controversy or claim of any nature whatsoever arising out of or in relation to or in connection with this Agreement. To this end, the Parties in dispute shall each promptly appoint representatives of appropriate standing who shall meet and attempt to resolve any dispute between them. In the event that an amicable settlement has not been reached within thirty (30) days of the parties’ representatives meeting as aforesaid, the following provisions of this clause 18 shall apply.

18.2 Arbitration

18.2.1 Any dispute, difference or question whatsoever and howsoever arising out of or in connection with this Agreement, save as specifically provided herein, shall be referred for final determination to a single arbitrator to be appointed by agreement between the parties hereto or in default of any such agreement within seven (7) days of the notification of any dispute by either party to the other then, upon application by either party, by the Chairman for the time being of the Institute of Arbitrators in your country (the Institute).

18.2.2 Such arbitration shall take place in your country and shall be conducted in accordance with the applicable rules of arbitration of the Institute.

18.2.3 To the extent permissible by law the determination of the arbitrator shall be final and binding upon the Parties and shall not be subject to any appeal.

18.2.3 Nothing in this clause 18.2 shall restrict either Party’s freedom to commence legal proceedings of any nature for the purposes of seeking preliminary injunctive relief or interim or conservatory measures from any court of competent jurisdiction pending the final decision or award of any arbitrator.

This Agreement shall be governed by and construed in accordance with the laws of your country.

20. Splitam's PRIVACY POLICY

20.1 We only use your personal information in accordance with our Privacy Policy. Please take the time to read our Privacy Policy, as it includes important terms which apply to you.

20.2 Upon downloading the App and clicking the “Accept” or “Continue” or any other button which signifies your acceptance of these Terms and Conditions and an intention to use the App, you will be deemed to have accepted Splitam ’s Privacy Policy, a copy of which is available on the App.

21. NIGERIA SPECIFIC PROVISIONS

End User License Agreement

The herein contained End User License Agreement ("Agreement") should be read carefully. It contains important terms that affect you and your use of the Software. By clicking "I accept" or by installing, copying, or using the Software, you agree to be bound by the terms of this Agreement, including the disclaimers. If you do not agree to these terms, do not download, install, copy, or use the Software.

• Software License
  In this Agreement, "Software" means the Splitam Mobile Application which may include related printed material, media and any other components and/or software modules, including but not limited to required drivers. It could also include any necessary updates and upgrades.


• Grant of License
  By downloading via Google Play Store or Apple Store, installing, copying or using the Software, we grant you a limited, non-transferable, non-exclusive, royalty-free license to install and use the Software in accordance with the terms of this Agreement. This Agreement shall also govern any and all updates and upgrades that would replace, overwrite and/or supplement the original installed version of the Software unless those other upgrades are covered under a separate license, at which those terms of that license will govern.


• Terms of License
  
  1. Permitted Uses:
     You may install and use the Software solely for your personal and non- commercial use. A commercial profit-oriented business is strictly prohibited.
  2. Restricted Uses:
     
     1. No Distribution, etc.: You may not distribute, sub-license, or sell the Software or any of its content that is contained or displayed in it to any third party.
     2. No Modification: You may not modify, alter, or create any derivative works of the Software, without the prior written consent of the company.
     3. No Reverse Engineering: You may not reverse, engineer, decompile, decode, decrypt, disassemble, or derive any source code from or about the Software.
     4. Proprietary Notices: You may not remove, alter, or obscure any copyright, trademark, or other proprietary rights notice on or in the Software.
  3. Support and Maintenance
     

     We will provide you with the necessary support and maintenance services as follows:

     1. Email Support: During our normal business hours, we will attempt to respond to technical questions that you email to us
     2. Patches and Fixes: We will attempt to correct issues identified in the Software by providing patches and fixes.
     3. Upgrade: Where applicable, we will attempt to distribute Software upgrades on a regular basis.
  4. Updates
     

     We may find the need from time to time to make available to all license holders updates for the offered content, in accordance with the herein contained terms and conditions of this Agreement. It shall be at our sole discretion to make conditional releases of said upgrade to you upon your acceptance of another end user license agreement. Should you elect to install and make use of these updates, you are therefore agreeing to be subject to all applicable license, terms and conditions of this Agreement and/or any other agreement.

  5. Information
     

     You hereby authorize us to lawfully access, use or disclose your details processed on the Software for our use. This use may include but shall not be limited to such purposes as are necessary to promote or sustain the Software or its promotion. You hereby unequivocally waive any claim you may have against the company arising from any such access, use or disclosure.

  6. Term
     

     This Agreement is effective upon acceptance and installation of the Software (the "Effective Date") and will continue until terminated in accordance with the terms of this agreement.

  7. Personal Data
     
  8. Personal data is all information that directly or indirectly may refer to the Software User which he/she has provided in the course of this Agreement or use of the Software. Such includes Contact information [name, title, address, email address, mobile phone number etc., date of birth, employment information [name, address, phone number and email address of employee], financial information [information about the User’s income and any charges, where available.
  9. We, where necessary, will process the personal data in order to provide a simplified service and in order to simplify the process. We will process the personal data for confirming your identity, administering the customer relationship, preventing misuse or improper use of our Software, for the prevention of money laundering, customer analysis, assessment, risk analysis and management, business development, for commercial and marketing purposes and for complying with applicable laws.
  10. By accepting the Terms of this Software, you agree that we may use and/or reuse data provided or previously provided and we may carry out enquiries to help on your use of the Software. Where available, we will use such information to confirm your identity and simplify the use of our service.
  11. Information Sharing and Disclosure
      

      We will not share your Personal Data with anyone. However, we may share such information to third parties only on "Need basis" such as when: a. We have your consent to share the information b. The law requires it of us c. We respond to court orders or legal processes; or d. We find that your actions violate any part of the terms of the use of the Software.

  12. Warranties
      
      1. This Software and its content, with all its faults, defects, and errors, are provided "As Is" and without any warranty.
      2. We do not promise that the Software will be free of bugs, errors, viruses, or other defects. We will not be liable for your use of or inability to use the Software, its content, or any associated service. Disclaimer of All Other Warranties: We are not making any other express or implied warranties, including any implied warranties of title, quiet enjoyment, quiet possession, merchantability or fitness for a particular purpose, except as stated. The entire risk as to the quality of or performance of the Software, if any, rests with you.
  13. Acknowledgements
      
      1. Ownership of Software: We own the Software and all intellectual property rights in and to it
      2. Third-Party Software: The Software may now or later contain third party software that requires notices or additional terms. If so, those notices and additional terms are and will be located on our website and are incorporated by reference into this Agreement.
      3. Consent to Use of Data: You agree that we and our affiliates may collect and use technical information gathered as part of our support services. We may use this information, but only to improve our products and services. We will not disclose this information in a form that personally identifies you.
      4. Compliance with Laws: In the use of the Software, you must comply with all applicable laws and regulations (including those relating to the import and export of software).
      5. Limitation of Liability: We will not be liable for breach-of-contract or damages that could not reasonably have been foreseen on entering into this Agreement.
  14. Termination
      
      1. Termination by Us: We may terminate this Agreement upon five (5) days" prior written notice to you. Upon notice of such termination, the installation shall be disconnected or disabled. We shall also have the power to summarily terminate this Agreement devoid of any notice.
      2. Third-Party Software: The Software may now or later contain third party software that requires notices or additional terms. If so, those notices and additional terms are and will be located on our website and are incorporated by reference into this Agreement.
      3. Termination by You: You may terminate this Agreement by: You may terminate this Agreement by:
         1. permanently destroying all copies of the Software in your possession or control,
         2. removing the Software from any hard drive on which it is installed, and
         3. giving us Notice certifying that you have taken these steps.
         1. Compliance with Laws: In the use of the Software, you must comply with all applicable laws and regulations (including those relating to the import and export of software).
         2. Limitation of Liability: We will not be liable for breach-of-contract or damages that could not reasonably have been foreseen on entering into this Agreement.
  15. General
      
      1. Entire Agreement: This Agreement contains all the terms between the Parties relating to its subject matter. It replaces all previous discussions, understandings, and agreements.
      2. Amendment: We may amend this Agreement on one or more occasions by posting amendments to our website. If you do not accept amendments to this agreement, then this license will immediately terminate.
      3. Assignment: You may not assign this Agreement or any of your rights under it. We may assign this Agreement or any of our rights at any time without notice or the need for your consent.
      4. Severability: If any part of this Agreement is declared unenforceable or invalid, the remainder will continue to be valid and enforceable.
      5. Waiver: A party's failure or neglect to enforce any rights under this Agreement will not be deemed to be a waiver of that party's rights.
      6. Notices: We may deliver any notice required by this Agreement via pop-up window, dialog box, or other on-screen device, even though you may not receive the notice until you next launch the Software. Any such notice will be deemed delivered on the date we first make it available through the Software.
      7. Governing Law: This Agreement will be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of laws rules.
      8. Headings: The headings used in this Agreement and its division into sections, schedules, and other subdivisions do not affect its interpretation.

Contact Us

If you have any questions about this Agreement, please contact us by sending an email to hello@splitam.co