Terms of Services

FOR THE USE OF THE IWORTH WEBSITE, WEB PORTAL, AND MOBILE APPLICATION (COLLECTIVELY, THE "PLATFORM")

This website and the iWorth service are operated and owned by FAF IOSIS LIMITED, a company registered in Nigeria with its registered office at PLOT 10, ROAD 15 LEKKI GARDENS PHASE 3, HITECH RAOD, LEKKI, LAGOS STATE, NIGERIA.

Welcome to iWorth. Use of this Platform is subject to the Terms and Conditions contained in this Online Services Agreement (the "Terms and Conditions") set forth below. By accessing, downloading, or using our Platform, you agree to be bound by these Terms and Conditions as well as our Privacy Policy (accessible via the Platform), as both may be updated by us from time to time. Please review them carefully.

1. Definitions

• "Affiliate" means, with respect to any Person, any other Person that directly or indirectly, through one or more intermediaries, controls, is controlled by, or is under common control with such Person.
• "iWorth" ("we", "our", or "us") refers to FAF IOSIS LIMITED, the company that owns and operates iWorth, together with its operating subsidiaries and affiliates.
• "Person" means any individual, sole proprietorship, partnership, joint venture, limited liability company, limited liability partnership, trust, estate, unincorporated organization, association, corporation, institution, or other legal entity.
• "Platform" means collectively the Website, the iWorth Web Portal, and the iWorth Mobile Application owned, operated, or controlled by iWorth.
• "Services" means all investment aggregation, portfolio tracking, financial valuation, and related financial information services made available by iWorth via the Platform from time to time.
• "Third Party" means any Person other than iWorth or its Affiliates.
• "Website" means https://useiworth.com and its subdomains, including any content, components, functionality, or services offered on or through it.
• "You" or "Your" means any user or Person who accesses, uses, or participates in the Platform in any manner, as well as such Person's heirs, assigns, and legal successors. If you access or use the Platform on behalf of a corporate entity, "you" or "your" refers to that entity, its affiliates, and their respective directors, officers, employees, and agents.

2. Acceptance of Agreement

• Binding Agreement: You must read and agree to these Terms and Conditions before accessing or using the Platform.
• Electronic Signature: By clicking "I Accept" during registration, logging into the Platform, or downloading the iWorth App, you explicitly acknowledge and agree that such action constitutes an electronic signature having the same legal effect as a handwritten signature.
• Modifications: iWorth reserves the right to amend or modify these Terms and Conditions at any time without prior notice. The most current version will always be available on the Platform. Your continued use of the Platform following any modifications signifies your acceptance of the updated Terms. If you do not agree to any changes, you must discontinue your use of the Platform immediately.

3. Eligibility and Use of Platform

• Age Restriction: The Platform is intended solely for individuals who are 18 years of age or older. Any access or use by individuals under 18 is unauthorized and in violation of these Terms. By using the Platform, you represent and warrant that you are at least 18 years old.
• No Investment Advice: The publicly available portions of the Platform are provided for general informational and educational purposes only and do not constitute legal, tax, or investment advice. You acknowledge that you are solely responsible for your own investment research and decisions. iWorth is an investment aggregation tool and does not guarantee the performance of any underlying asset or third-party investment product.

4. Accuracy of Platform Information

Information and content posted on the Platform are published as of their stated date or the date of initial posting. iWorth makes reasonable efforts to ensure accuracy but does not guarantee that third-party financial feeds, fund pricing, or market data will be error-free or uninterrupted. You agree that iWorth shall not be held liable for:

1. Any inaccuracy, error, delay, or omission in financial content or market feeds;
2. Any loss or damage arising from errors or delays in transmission;
3. Interruptions resulting from Force Majeure events (including floods, fires, natural disasters, acts of war, strikes, government actions, communications failures, or system crashes) or other causes beyond iWorth's reasonable control.

5. Account Registration and Security

To access the Services, you must register and create an account (your "Account").

• Registration Obligations: You agree to provide true, accurate, current, and complete information during registration and keep your profile details updated. You shall not use a username, email, or identity that belongs to another person or infringes on any third party's rights.
• Account Credentials: You are solely responsible for creating a strong password, maintaining the confidentiality of your credentials, and restricting unauthorized access to your devices.
• Notification of Compromise: You must notify us immediately upon becoming aware of any loss, theft, unauthorized access, or compromise of your Account details via email at service@useiworth.com or by calling +234 (0) 802 315 7968.
• Account Non-Transferability: Your Account is personal to you and may not be sold, assigned, or transferred to any third party without our express written consent.

6. Know-Your-Customer (KYC) Compliance

In accordance with anti-money laundering (AML) regulations and financial compliance standards, iWorth may require you to provide identity documentation (e.g., government ID, proof of address, or tax numbers) before granting full operational access to your Account.

• Until all required KYC verification is complete, your Account features may be restricted.
• Automated reminders may be sent for any outstanding documentation. Failure to satisfy KYC requirements within a reasonable period may lead to Account suspension or closure.

7. Prohibited Uses

You agree that you will not engage in any of the following prohibited activities on or through the Platform:

1. Impersonating any person, business entity, or iWorth representative.
2. Misrepresenting your affiliation with any person or entity;
3. Forging headers or manipulating identifiers to disguise the origin of any content;
4. Uploading or transmitting material that you do not have a legal, contractual, or fiduciary right to disclose (e.g., inside information or proprietary data);
5. Uploading or transmitting content that infringes any patent, trademark, trade secret, copyright, or privacy right of any party;
6. Transmitting unsolicited commercial emails ("SPAM"), phishing links, or unauthorized promotional content;
7. Interfering with, disrupting, or attempting to breach the security of the Platform, servers, or connected networks;
8. Violating any applicable national, state, or international laws or financial market regulations;
9. Scraping, harvesting, or collecting data regarding other users without authorization.

iWorth reserves the right to suspend or terminate Accounts, freeze funds (where legally mandated), or block access immediately without prior notice if we determine that an Account is engaged in any Prohibited Use.

8. System Availability and Network Security

• Maintenance & Availability: While we aim for 24/7 system availability, you acknowledge that technical glitches, maintenance windows, server downtime, or internet disruptions may occur. iWorth does not guarantee uninterrupted access to the Platform.
• Internet Risks: The internet is an open network. Communications over the internet may be vulnerable to interception. You should not transmit unencrypted sensitive credentials via standard email.
• Data Backup: You are advised to maintain independent records of your financial statements and important communications by printing or downloading them directly from the Platform.

9. Consent to Electronic Communications

• Electronic Delivery: By creating an Account, you consent to receive all notices, disclosures, account updates, and statements electronically via your registered email address or directly through Platform notifications.
• Legal Effect: Electronic deliveries satisfy any legal requirement that such communications be in writing.
• Revocation of Consent: You may revoke your consent to electronic delivery at any time by contacting customer support. However, because our operations are electronic, revoking consent may require us to close your Account.

10. Disclaimer of Warranties

THE PLATFORM AND ALL ASSOCIATED SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. IWORTH DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IWORTH DOES NOT WARRANT THAT:

1. THE PLATFORM WILL MEET YOUR SPECIFIC REQUIREMENTS;
2. THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
3. THE RESULTS OR VALUATIONS OBTAINED FROM THE USE OF THE PLATFORM WILL BE 100% ACCURATE OR RELIABLE.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL IWORTH, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR INVESTMENT LOSSES) ARISING OUT OF OR IN CONNECTION WITH:

1. YOUR USE OF OR INABILITY TO USE THE PLATFORM;
2. UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR ACCOUNT OR DATA RESULTING FROM YOUR FAILURE TO SECURE YOUR CREDENTIALS;
3. STATEMENTS, ACTIONS, OR SERVICES OF ANY THIRD-PARTY FINANCIAL INSTITUTION OR PRODUCT LINKED ON THE PLATFORM; OR
4. ANY MATTER RELATING TO THE PLATFORM BEYOND OUR DIRECT CONTROL.

IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE PLATFORM OR THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE PLATFORM.

12. Indemnification

You agree to defend, indemnify, and hold harmless iWorth, its parent entity, subsidiaries, affiliates, officers, directors, employees, agents, and legal representatives from and against any claims, liabilities, losses, damages, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your access to or use of the Platform;
• Your breach of these Terms and Conditions or violation of any applicable law or regulatory standard;
• Any inaccurate, incomplete, or misleading information supplied by you; or
• Infringement by you (or any user of your Account) of any intellectual property or privacy right of any person or entity.

13. Privacy and Data Protection

We are committed to maintaining the privacy and security of your personal and financial information.

• Data Use: We collect and process personal data to verify your identity, aggregate your investment portfolio statements, provide performance analytics, communicate updates, and prevent fraudulent activity.
• Privacy Policy: Full details regarding how we collect, use, store, and protect your personal information are outlined in our Privacy Notice, accessible directly on the Website and Mobile App. By using the Platform, you consent to our data processing practices as described therein.

14. Termination and Suspension

• Termination by You: You may stop using the Platform or terminate your Account at any time by contacting us via email. Account deactivation will follow verification of your request.
• Termination by iWorth: We reserve the right to suspend or terminate your Account and deny access to the Platform at our sole discretion, without notice or liability, for conduct that we believe violates these Terms, applicable laws, or the rights of other users.
• Survival: Sections relating to Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and any provisions that by their nature should survive termination shall survive the termination or expiration of these Terms.

15. Severability and Waiver

• Severability: If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to render it valid, or severed if necessary, and the remaining provisions shall remain in full force and effect.
• No Waiver: No failure or delay by iWorth in exercising any right or remedy under these Terms shall operate as a waiver thereof, nor shall any single or partial exercise preclude any other or further exercise of any right or remedy.

16. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by, construed, and enforced in accordance with the laws of the Federal Republic of Nigeria. Any legal action, dispute, or proceeding arising under or relating to these Terms or your use of the Platform shall be brought exclusively in the state or federal courts located in Lagos State, Nigeria, and you hereby irrevocably submit to the exclusive jurisdiction of such courts.

17. Contact Us

If you have any questions, security concerns, or complaints regarding these Terms and Conditions or the Platform, please contact us at:

• Company: FAF IOSIS LIMITED
• Registered address: PLOT 10, ROAD 15 LEKKI GARDENS PHASE 3, HITECH RAOD, LEKKI, LAGOS STATE, NIGERIA
• Email: service@useiworth.com
• Telephone: +234 (0) 802 315 7968
• Website: https://useiworth.com

By checking the "I Accept" box or continuing to access the Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.