Last updated: June 29, 2025
This Platform's Terms and Conditions of Use ("Terms") set forth in this webpage constitute a legally binding agreement between you, as a customer ("you"), and Spendive Limited ("Spendive", "we", "our", or "us"). These Terms govern your access to and usage of our Services, which include our APIs, web platform, apps (collectively referred to as the "Platform"), as well as other related products and services offered by our partnered affiliates (collectively, the "Services"). By using any of our Services, you expressly and unreservedly agree to all the terms and conditions herein, including our Privacy Policy and the Integration Agreement. It is imperative that you read these Terms carefully before accepting them; if you disagree with any part, you must refrain from utilizing the Services.
By signing on or using our Services, you affirm that you are not legally barred from receiving such services in accordance with the applicable jurisdiction's laws. If you are accepting these Terms on behalf of a company, business, or organization, you represent and warrant that you are duly authorized to bind the entity to these Terms.
Our Services are intended solely for individuals aged 18 and above. You are permitted to use the Services only if you are 18 years old or older. We do not knowingly engage individuals under the age of 18. If you are a parent or guardian and become aware that your child or ward has provided information without your consent, please contact us using the details provided in these Terms.
To use the Services, you must:
You will choose a user identifier, which may be your email address or another term, as well as a password. You are responsible for safeguarding your password and other User Account information. You agree not to disclose your password to any third party and you will notify us immediately if your password is lost or stolen or if you suspect any unauthorized use of your User Account. You represent and warrant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your Account; provided, however, that you must notify us at least three Business Days before any changes to your Bank Account information, including, but not limited to, the closure of your Bank Account for any reason by calling [NUMBER] or emailing [EMAIL ADDRESS] or by updating your Account via the Website. If we approve your registration, you will be authorized to use the Services, subject to these Terms. Providing false or inaccurate information, or using the Website or Services to further fraud or unlawful activity is grounds for immediate termination of this Agreement.
By accepting these Terms, you agree to comply with our acceptable use guidelines. You may use our site only for lawful purposes and must refrain from any use that:
Furthermore, you agree not to reproduce, duplicate, copy, or resell any portion of our site in contravention of our website use policies, nor access, interfere with, damage, or disrupt any part of our site, its supporting equipment or network, or the software used to provide our site without proper authorization.
You are prohibited from using our Services in connection with any product, service, transaction, or activity that:
Likewise, you may not use our Services in relation to products or services such as:
You are solely responsible for providing and maintaining all hardware, software, telecommunication equipment, and services necessary for internet connectivity and accessing our site. You are also responsible for any associated Internet, telephone, or other charges incurred.
For our compliance purposes and to provide the Services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Bank Account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:
By using the Services and providing User Information to us, you automatically authorize us to obtain, directly or indirectly through our third-party service providers and without any time limit or the requirement to pay any fees, information about you and your Bank Account from the financial institution holding your Bank Account and other third-party websites and databases as necessary to provide the Services to you. For purposes of such authorization, you hereby grant Spendive and our third-party service providers a limited power of attorney, and you hereby appoint Spendive and our third-party service providers as your true and lawful attorney-in-fact and agent, with the full power of substitution and re-substitution, for you and in your name, place, and stead, in all capacities, to access third-party websites, servers, and documents; retrieve information; and use your User Information, all as described above, with the full power and authority to do and perform each act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person.
The information you provide us is subject to our Privacy Policy.
We make every effort to maintain our Platform and Services available, secure, and free of bugs. However, the Platform and associated content are provided "as is" without any express or implied warranties, including implied warranties of merchantability, fitness for a particular purpose, availability, security, title, or non-infringement. We do not guarantee that the Platform, products, or Services will fully meet your expectations or be entirely free from fraud, interruptions, inaccuracies, or errors. Spendive disclaims any responsibility for damage resulting in data loss or harm to your computer system, and no oral or written information or advice received through our Platform shall create any warranty not expressly stated herein. Spendive pledges to use its best endeavours to ensure that the Service operates optimally according to industry standards and best practices.
Unless expressly stated otherwise, Spendive and/or its licensors retain all rights, title, and interest in the intellectual property related to our Platform, subject to the license provided below. All materials on the Platform—such as text, formatting (including the arrangement of materials on our Platform), graphics, animations, tools, commercials, music, videos, articles, sound, trade names, logos, and other information (collectively, the "Content")—are protected by intellectual property rights. No right, license, title, or interest in this intellectual property is granted to you. You may not copy, reverse-engineer, decompile, disassemble, modify, or re-post any Content from the Platform. Nothing on our Platform shall be interpreted as granting an implied license or right to use any trademark without our express written consent or that of the respective trademark owner. You agree to execute any documents deemed necessary to further affirm our intellectual property rights.
We grant you a limited, non-exclusive, non-transferable, and revocable license to use the software provided as part of our Services strictly in accordance with these Terms. This license includes any updates, upgrades, new versions, or replacement software made available in connection with the Services. The Services are protected under copyright, trademark, and other relevant laws in Nigeria and abroad. This Agreement does not grant you any rights to use our name, trademarks, logos, or any other distinctive brand features. All rights not expressly granted remain our exclusive property or that of our licensors. You also agree not to modify, redesign, reproduce, adapt, distribute, translate, disassemble, or reverse engineer the software provided.
At our request, you agree to defend, indemnify, and hold harmless XXX, its affiliates, and its and their respective employees, officers, directors, agents, and third-party service providers from and against any claims, suits, liabilities, damages (actual and consequential), losses, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising from or in any way related to any claims relating to your use of the Services, violation of these Terms, applicable law or any third-party rights, or your fraud or willful misconduct. Such indemnified parties reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses. You agree that the Company shall be able to select its legal counsel and may participate in its defense if the Company wishes.
Without prejudice to any other rights available under these Terms, any breach by you may prompt us to take measures we deem necessary, including but not limited to:
We expressly disclaim liability for any actions taken in response to breaches of these Terms. The measures we take are not limited to those listed and may include any additional actions we reasonably consider appropriate.
We reserve the right to update, modify, or revise these Terms at any time. Any modifications will not be retroactive, and the current version of the Terms, posted on this page, will govern your relationship with us. We encourage you to review this page regularly and note the date of the most recent modification. If a material change is made, Spendive will endeavor to notify you at least 7 days before the new terms take effect. In cases where changes are made to the Platform without prior notice, we will inform you within 48 hours after implementation. By continuing to use our Services following such changes, you agree to be bound by the revised Terms.
These Terms and any aspect of your relationship with Spendive shall be governed solely by the laws of the Federal Republic of Nigeria, without regard to conflicts with international laws or cross-border statutes that might otherwise dictate an alternative jurisdiction's law.
We will make a good-faith effort to resolve any disputes amicably. Should any dispute arising from these Terms remain unresolved through mutual negotiation within 30 days, it shall be submitted to the exclusive jurisdiction of Nigerian Courts.
If any provision of these Terms is found to be invalid or unenforceable, such provision shall be severed from these Terms and will not affect the validity or enforceability of the remaining provisions. Our failure to enforce any right or provision shall not constitute a waiver of that right or provision. Each party remains an independent contractor, and neither has authority to act on behalf of the other, nor will either party be considered an agent, servant, franchisee, joint venturer, or legal partner of the other.
If you have any complaints, feedback, or questions regarding Spendive, our Services, or these Terms, please contact us at contact@spendive.com
5, Akindele lane, fardock estate, iju
+2348168696515
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