Legal Terms and Conditions

These Terms and Conditions ("Terms") govern the use of the Everydaymoney Budgeting App ("App") provided by Everydaymoney ("Everydaymoney," "we," "us," or "our"). By using the App, you agree to comply with these Terms. If you do not agree with any part of these Terms, you must not use the App.

Privacy

Privacy Policy By using the App, you acknowledge that you have read, understood, and agree to the terms of our Privacy Policy. Our Privacy Policy outlines how we collect, use, store, and disclose your personal information. It is important to review our Privacy Policy, as it is incorporated into these Terms

Information Collection

Personal Information When you interact with us through the App, we may collect personal information from you, such as your name, email address, mobile phone number, banking information, image, and other identifying information ("Personal Information"). We may collect this information when you submit inquiries, register for an Everydaymoney account, participate in events, interact on social media, or provide information to us. By using the App, you expresslyconsent to the collection, use, storage, and dissemination of your Personal Information as described in our Privacy Policy. Other Information In addition to Personal Information, we may collect other types of information related to your useof the App. This may include identity information, contact information, transaction data, device information, profile information, usage information, marketing and communications preferences, and location details. We may also gather aggregated data, such as statistical or demographic information.

Data Usage and Sharing

Transactions and Data Sources We may collect personal data from your transactions with us and others. Additionally, we may obtain personal data about you from external sources, such asyour employer or consumer reporting agencies, if necessary and in compliance with applicable laws. Automatic Information Collection When you use the App, we may automatically collect information about your device, including hardware model, operating system version, device identifiers, and mobile network data. This information helps us improve the functionality and performance of the App. We may also collect data related to your activity and interactions with the App, including IP addresses, system setup information, and device event data.

Intellectual Property Rights

The App and its content are protected by intellectual property laws and are the property of Everydaymoney or its licensors. You are granted a limited, non-exclusive, non-transferable license to use the App solely for personal, non-commercial purposes. You must not reproduce, modify, distribute, sell, lease, or create derivative works based on the App without our prior written consent.

Limitation of Liability

To the extent permitted by law, Everydaymoney shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use the App, including any errors, malfunctions, or security breaches.

Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Central Bank of Nigeria. Any disputes arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts in Nigeria.

Modification of the Terms

Everydaymoney reserves the right to modify or update these Terms at any time. We will notify you of any material changes to these Terms via the App or through other communication channels. Your continued use of the App after such modifications constitutes your acceptance of the revised Terms

Cookies Collected

We use cookies to gather general data about how our Services are used as well as to customize them for you. The term "cookie" refers to a text file or other type of local storage identifier that is offered by your browser or related programs. Cookies help us keep track of things and improve how well you utilize our services. The cookies provide your Devices arbitrary, one-of-a-kind numbers so that our systems can identify them and track how you use our Services. Visit www.allaboutcookies.org for more general information about cookies and how they operate. We use the following types of cookies in conjunction with our Services: Session cookies: Session cookies are transient files that disappear once your browser window closes and have an expiration date. They grant users access to content and enable actions they must be logged into their Everydaymoney account to perform

Security

We have put in place the necessary security measures to guard against third parties accessing,using, or accidently losing your personal information. Your bank account information will be encrypted using Secure Sockets Layer (SSL) technology when it is transmitted over our Services. Additionally, we only allow employees, employers, agents, contractors, and other third parties who have a business need to know access to your personal information. Only in accordance with our directions will they handle your personal information. When we are legallyobligated to do so, we will notify you and any relevant regulator of a breach and will have procedures in place to deal with any suspected personal data breach. We have a thorough written information security program that includes administrative, technical, and physical safeguards for our individual physical facilities and in our individual computer systems, databases, and communications networks that are reasonably designed to protect information contained in such systems from loss, misuse, or alteration, and we require our third-party service providers that receive Personal Information from us to have one as well. No electronic transmission or storage mechanism is completely secure. As a result, we are unable to ensure the total protection of your personal information. Your personal information is protected in part by you as well. Your username, password, and email address for your Everydaymoney accountshould all be kept private. Your Everydaymoney account login details or other Everydaymoney account security information may be used to send us instructions. we will consider that you have authorized the instructions. You agree to notify us immediately of any unauthorized use ofyour Everydaymoney account or any other breach of security. We reserve the right, in our sole discretion, to refuse to provide our Services, terminate Everydaymoney accounts, and to remove or edit content. We may retain your Personal Information for as long as necessary to fulfill the purposes for which it was collected, including to meet any legal, accounting, or reporting requirements, subject to applicable law, which may occasionally require us to store your Personal Information for a specific period of time.

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