1.1 Purpose

The Terms of Use (or "Terms") on this webpage constitute a legal agreement between you, a prospective user of Gopaddi, and Gopaddi Technologies Limited ("Gopaddi," "we," "our," or "us"), and govern your access to, or use of, Gopaddi's services, including all pages within the Gopaddi mobile application, website, and other products and services (referred to collectively as "Services")—except we expressly state that separate terms (and not these) apply.

1.2 Acceptance of Terms

Using any of the Services means express agreement with, and acceptance of, the terms and conditions contained herein in full, without limitation or qualification. If you have any objection to these Terms, you must not use any of our Services.

1.3 Definitions

1.4 Governing Language

The governing language of these terms and all forms of communication between Gopaddi and you will be the official language of your country of residence.

1.5 Changes to Terms

We may update these Terms occasionally to reflect changes in our Services or legal requirements. All modifications will be posted on our platform, and your continued use of our Services signifies your acceptance of the revised Terms. Please review this section regularly for updates.

2.1 Age and Legal Capacity

Gopaddi is designed for users aged 16 and older. By accessing our platform, you confirm that you meet this age requirement or have obtained the necessary parental consent.

2.2 Account Security and Responsibility

Users are required to maintain accurate, up-to-date information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities conducted with your account. Notify us immediately in the case of an unauthorized use or security breaches to protect the integrity of your account.

2.3 Account Activation

After registration, users must activate their accounts by verifying their email addresses or phone numbers. Account access will be granted upon successful verification. Failure to complete this process may result in restricted access to our Services.

2.4 Account Termination

Gopaddi reserves the right to suspend or terminate accounts that violate our Terms of Use or engage in suspicious activities. Users may also deactivate or delete their accounts at any time by following the designated procedures on the platform.

3.1 Types of Subscriptions

We provide various subscription plans for individuals, suppliers, and businesses to meet specific needs/requirements.

3.2 Payment Terms and Methods

Subscription fees depend on the chosen plan and can be billed monthly or annually. Payments are securely processed via a third-party provider, with billing details accessible in account settings.

3.3 Refund and Cancellation Policy

Refunds follow the Refund Policy available on Gopaddi. Cancellations, if any, must occur within the specified eligibility period to qualify for a refund.

3.4 Payment Confirmation

Users will receive a confirmation email with details about the transaction upon successful payment processing.

4.1 User-Generated Content

We do not claim ownership of your content, but by posting/uploading it on Gopaddi, you grant us a global, non-exclusive, royalty-free, transferable worldwide license to use, distribute, modify, copy, publicly perform, display, translate, and create derivative works of your content (consistent with your privacy settings). This license expires when your content is deleted from our systems. You can delete content individually or by simply deleting your account.

4.2 Intellectual Property Rights

Gopaddi and our licensors retain ownership of all intellectual property on the platform, including trademarks, logos, and software. Users are permitted to access content solely for personal, non-commercial purposes unless explicitly authorized otherwise. Businesses may be granted permission to utilize specific content while adhering to the established framework of usage rights.

4.3 Prohibited and Restricted Content

Gopaddi strictly prohibits illegal, harmful, defamatory, or discriminatory content. Any material that infringes on the intellectual property rights of others is also not permitted.

4.4 Content Moderation

Gopaddi reserves the right to review, edit, or remove any user-generated content that violates our policies or community standards in order to maintain a safe environment for all users. We enforce a strict zero tolerance policy for all objectionable content. The following types of content are strictly prohibited on the Gopaddi platform:

Content violating these standards will be removed immediately. Users responsible may face suspension, account termination, and, where necessary, be reported to legal authorities.

4.5 Content Attribution

When using content created by others, users must provide proper attribution as specified within the platform's guidelines. Violation of this may lead to the content being removed.

5.1 Community Guidelines

Users must interact respectfully on the platform. They must refrain from harassment, hate speech, or any offensive behavior. Violating these guidelines may result in account suspension or termination.

5.2 Acceptable Use Policy

Our Acceptable Use Policy prohibits illegal activities, unauthorized access to systems, and exploitation of the platform. Violating these rules will lead to immediate account suspension or deletion to maintain a safe and secure environment for all users. All Gopaddi users are expected to interact in a manner that is respectful, constructive, and free from abuse. The following behaviors are not tolerated:

Violation of this policy may result in:

5.3 User Responsibilities

5.4 Disciplinary Actions

Gopaddi reserves the right to impose disciplinary actions, including warnings, suspensions, or account termination, based on the severity of the user's conduct and the impact on others.

6.1 Payment Processors

All transactions are securely processed by our third-party payment providers. By providing payment information, users authorize the platform to charge the selected payment method for the amounts due. We do not store sensitive payment information beyond what is necessary for processing payments. Third-party payment providers charge a commission for each transaction done on the platform by users.

6.2 Wallet System

The Gopaddi Wallet system is securely processed by our third-party payment providers and it allows users to manage funds for transactions, pay utility bills, convert points, and transfer from their wallet to wallet on Gopaddi.

6.3 Taxes and Additional Charges

All fees and applicable taxes are clearly disclosed during the payment process. Users are responsible for any additional charges as mandated by local laws or regulations.

6.4 Currency and Exchange Rates

Transactions may be subject to currency conversion rates. Users are advised to check the exchange rates prior to completing any international transactions to avoid unexpected charges.

6.5 Payment Disputes

In case of payment disputes, users must contact our support team within a specified period. We will investigate the issue and work towards a resolution based on our policy guidelines.

7.1 Verification and Eligibility

Suppliers and vendors must undergo a verification process to list products or services. Compliance with the Vendor Code of Conduct is essential for maintaining account status and eligibility on the platform.

7.2 Compliance with Platform Guidelines

Vendors must follow platform standards. They must ensure listings are accurate, reasonably priced, and meet quality criteria. Non-compliance may lead to account suspension or removal of listings.

7.3 Product Listings and Pricing Terms

All product listings must clearly represent offerings, including pricing, taxes, and other applicable fees. Gopaddi reserves the right to remove non-compliant listings or suspend vendor accounts.

7.4 Review and Feedback

Vendors are encouraged to seek customer reviews and feedback about their products or services. They must not engage in any activities that target or retaliate against customers for providing unfavorable reviews.

7.5 Accountability and Reporting

Suppliers are responsible for reporting any violations of policies or ethical breaches. Prompt reporting is crucial for maintaining a fair marketplace for all users.

8.1 Points Program

The Gopaddi Points program enables users to earn points through various activities, including referrals, purchases, and active engagement. Users can redeem their accumulated points as detailed in our Redemption Policy.

8.2 Redemption Rules

Points can be redeemed only under specified conditions and cannot be converted to cash. Once points expire, they cannot be restored or reclaimed.

8.3 Program Limitations

Gopaddi reserves the right to modify or discontinue the Points program. Users will receive prior notice regarding any changes to redemption conditions.

8.4 Earning Points

Users can earn Points through referrals, completing purchases, or participating in community events. The point allocation for each activity will be communicated clearly to ensure users understand how to maximize their earnings.

9.1 Changes to Services and Pricing

We reserve the right to modify our services, plans, or pricing structures. Users will be notified of any changes, and they will have the option to opt out if they do not agree with the updated terms.

9.2 Account Suspension or Termination

Accounts may be suspended or terminated for violations of these Terms or as required by law. Users will receive prior notice when applicable.

9.3 User-Initiated Account Deletion

Users can delete their accounts at any time. Data handling following account deletion will be managed in accordance with our Privacy Policy.

9.4 Service Availability

While we strive to maintain uninterrupted service, Gopaddi does not guarantee that the platform will always be available. Users may experience temporary outages due to maintenance or technical issues.

9.5 Feedback and Suggestions

Users are encouraged to provide feedback or suggestions regarding our services. While we value user input, we are not obligated to implement any suggestions provided.

10.1 Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria, and all legal matters will be resolved within this jurisdiction.

10.2 Dispute Resolution Process

Disputes will be resolved through arbitration or mediation before litigation is considered. Users agree to engage in these processes to resolve issues effectively.

10.3 Limitation of Liability

Our liability is limited to the maximum extent permitted by law. Gopaddi is not responsible for any indirect, consequential, or punitive damages arising from the use of our services.

10.4 Class Action Waiver

Users agree to waive their right to participate in any class action lawsuits or class-wide arbitration against Gopaddi, ensuring that all disputes are resolved on an individual basis.

10.5 Compliance with Laws

Users are responsible for complying with all applicable laws and regulations while using our services. Gopaddi may take action against users who violate these laws or Terms.

11.1 Integration with Third-Party Services

Gopaddi integrates with select third-party services, which are governed by their respective terms. Users are advised to review these terms independently. Any data shared with these services is subject to their privacy policies, not ours.

11.2 Responsibilities and Limitations

While we facilitate integration, we are not liable for the performance of third-party services. Disruptions or issues with these services are beyond our control, and we cannot be held responsible for them.

11.3 Data Sharing and Privacy

Users should be aware that data shared with third-party services may be collected and used according to their privacy policies. We encourage users to familiarize themselves with these policies to understand how their data is handled.

11.4 Support for Third-Party Issues

For issues arising from third-party integrations, users are encouraged to contact the respective service providers directly. We may assist with basic troubleshooting but cannot guarantee resolution.

12.1 Notification of Changes in Terms

We will notify users of updates to these Terms via email or in-app notifications. Users are encouraged to regularly check for updates to stay informed.

12.2 Service and Marketing Communications

Users consent to receive necessary service communications and may opt in to marketing communications. Options to manage preferences are available in account settings for better customization.

12.3 Opt-Out and Consent Management

Users can adjust their communication preferences, including opting out of marketing communications, within the platform. Clear instructions will be provided to ensure a smooth preference adjustment process.

12.4 Response Time for Communications

We strive to respond to user inquiries and feedback promptly. Users can expect to receive responses within a specified timeframe, depending on the nature of the communication.

These Terms are regulated by the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms will fall under the jurisdiction of Nigerian courts.

Gopaddi reserves the right to periodically amend these Terms. Users will be notified of significant changes and will have the option to discontinue using our services if they do not accept the revised Terms.