Aoc savers' Terms of service

Document effective 1 July, 2019

By visiting and signing up on this site, you accept our terms and conditions of service.

1. Introduction

AOCSAVERS is a personal savings and business and financial advisory platform available online and through mobile applications.

1.1. Purpose

We offer a personal savings and business and financial advisory service. As our Client, we will manage your savings and render advise where needed for you to multiply your savings. By using our website and mobile applications, you enter into a series of legally binding agreements. You also agree to our Privacy Policy which covers how we collect, use, share and store your personal information.

1.2. Agreement

When you access our website at www.aocsavers.com and/or our mobile applications ("our website" (which includes our blog), "our app" or “aocsavers") as a User and Client, you're agreeing to be bound by the following Terms of Use. Please therefore take the time to read the following binding Terms of Use below. For the purpose of this agreement a User is an individual who uses our website or mobile application to evaluate our service, or for educational purposes and a Client is an individual who signs up on AOCSAVERS that entitles the Client to have her or his savings with AOCSAVERS. This Agreement, as well as the Privacy Policy applies to both Users and Clients. If you elect to become a Client, you will be subject to these Terms of Use, our Client Agreement, our Privacy Policy and any additional terms to which you agree when you create and fund a savings and or investment plan.

2. Obligations

You must be 18 or older to access our website or mobile applications.

2.1. Eligibility

AOCSAVERS is intended solely for individuals who are 18 or older. Any access to or use of AOCSAVERS by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use. By accessing or using AOCSAVERS, you represent and warrant that you are 18 or older.

2.2. Your Access

In order to access certain features of AOCSAVERS, you must register to create an account ("User Account"). AOCSAVERS has physical, electronic and procedural safeguards that comply with regulatory standards to guard Users' and Clients' non-public personal information (see Privacy Policy). You are responsible for safeguarding your User Account information. You agree not to disclose your info to any third party and you will notify AOCSAVERS immediately if your credentials are lost or stolen or if you suspect any unauthorized use of your User Account. As a User you agree that you shall be solely responsible for any activities or actions under your User Account, whether or not you have authorized such activities or actions. You agree that the information you provide to us on account registration through our website or mobile applications will be true, accurate, current, and complete. If you wish to develop enhancements to the AOCSAVERS service then you must do so via our "Partner Program" API. As used in these Terms, "APIs" means programmatic web APIs and associated tools and documentation that provide access to certain data displayed on our website or in our mobile applications. Access to our APIs requires you meet our Partner Program eligibility criteria and enter into a signed partnership agreement with AOCSAVERS. You may not scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work) as explained in Section 6.2. If you wish to learn more about becoming a Partner, please contact admin@aocsavers.com

2.2. Alerts, Notifications and Service Communications

By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification. We may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails at any time.

3. Disclaimer and Limit of Liability

AOCSAVERS cannot be held responsible for any financial insights or recommendations provided to Users.

3.1. For a User who is not a Client

You understand and acknowledge that the investment results you could obtain from investment information and financial insights provided by AOCSAVERS cannot be guaranteed and that AOCSAVERS cannot be held responsible. All investments entail a risk of loss and that you may lose money. Investment management services may be offered to individuals who become clients, at the sole discretion of AOCSAVERS. Your election to engage our savings and business and financial advisory services are subject to your explicit enrollment and acceptance of this Terms of Use.. You agree and understand that your use of AOCSAVERS is for educational purposes only and is not intended to provide legal, tax or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that AOCSAVERS is only one of many tools you may use as part of a comprehensive investment education process, that you should not and will not rely on AOCSAVERS as the primary basis of your investment decisions and, except as otherwise provided for herein, AOCSAVERS will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of AOCSAVERS or information you otherwise see on our website.

3.2. Disclaimer Warranties

Your use of AOCSAVERS 's website, and the personal information you provide is at your sole discretion. AOCSAVERS 's website and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from AOCSAVERS.

AOCSAVERS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO AOCSAVERS'S WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. AOCSAVERS DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:

No advice or information, whether oral or written, obtained by you from AOCSAVERS's website, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.

3.3. Limitation of Liability

IN NO EVENT SHALL AOCSAVERS OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF AOCSAVERS, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH AOCSAVERS OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT AOCSAVERS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL AOCSAVERS'S CUMULATIVE LIABILITY TO YOU EXCEED NGN2,000.

4. Termination

Each of us can end this agreement at any time, subject to the maturity of all plans. You may request termination of your User Account at any time and for any reason by sending an email to admin@aocsavers.com. We may terminate or suspend your access to AOCSAVERS, in our sole discretion, at any time for any reason without notice to you. Further, if we believe, in our sole discretion, that a violation of these Terms of Use has occurred, we may take any other corrective action we deem appropriate. We reserve the right to investigate suspected violations of these Terms of Use. We may seek to gather information from a user who is suspected of violating these Terms of Use (or from any other user) and you agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any User information, emails, or other materials that are believed to violate these Terms of Use. Any suspension, termination, or cancellation shall not affect your obligations to AOCSAVERS under these Terms of Use (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation.

5. Dispute Resolution

If there is a legal dispute, it will take place in Federal High Courts under Nigerian Law. You agree that these Terms of Use shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.

6. AOCSAVERS "Dos" and "Don'ts

AOCSAVERS grants you a license to use our website and mobile applications so long as you comply with all our rules.

6.1. Dos: You agree you will:

6.1.1. Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;

6.1.2. Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated;

6.1.3. Use the services solely for your personal, non-commercial use;

6.1.4. Use your real name on your profile and keep your credentials confidential;

6.1.5. Use the Services in a professional manner.

6.2. Donts: You agree you won't:

6.2.1. Circumvent, disable, or otherwise interfere with security-related features of AOCSAVERS or features that prevent or restrict use or copying of any content or User information

6.2.2. Upload, email, transmit, provide, or otherwise make available:

7. General Terms

In the event that any provision in these Terms of Use is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. You may not assign this Agreement (by operation of law or otherwise) without the prior written consent of AOCSAVERS, and any prohibited assignment will be null and void. AOCSAVERS may assign this Terms of Use Agreement or any rights hereunder without your consent. The relationship of the parties under these Terms of Use is that of independent contractors, and these Terms of Use will not be construed to imply that either party is the agent, employee, or joint venture of the other. Note that if you elect to become a Client, the relationship of the parties will be governed by these Terms of Use, our Privacy Policy and any additional terms to which you agree when you create and fund an investment account. We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don't agree with these changes, you must stop using AOCSAVERS. You agree the only way to provide us legal notice is at the address provided in Section 9.5.

8. International Use

AOCSAVERS is only for use in Nigeria

8.1. AOCSAVERS is only available for use in Nigeria. We make no representation that AOCSAVERS is appropriate or available for use outside Nigeria. Similarly, we make no representations that accessing AOCSAVERS from locations outside Nigeria is legal or permissible by local law. If you access AOCSAVERS from areas outside of Nigeria, you do so at your own risk and are yourself responsible for compliance with local laws.

9. Miscellanneous

This Agreement takes priority over previous agreements

9.1. Integration & Severability

This Agreement is the entire agreement between you and us with respect to AOCSAVERS, and your use of our website and mobile app, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Investment recommendations are made to Clients on an individual basis and may differ based on specific circumstances.

9.2. Advice may differ

You understand and agree that we act as a business and financial advisor for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf.

9.3. Communication: Any notice or communication will be in writing by email

You agree that these Terms of Use and the rules, restrictions, and policies contained herein, and AOCSAVERS's enforcement thereof, are not intended to confer and do not confer any rights or remedies on any person other than you and AOCSAVERS. These Terms of Use together with the AOCSAVERS's Privacy Policy and Client Agreement (if applicable) constitute the entire agreement between AOCSAVERS and you with respect to the subject matter hereof. Any notice or other communication to be given hereunder will be in writing and given by (a) AOCSAVERS via email (in each case to the address that you provide), or (b) you via email to admin@aocsavers.com or to such other addresses as AOCSAVERS may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted. Feedback: We welcome your feedback! Your feedback is welcome and encouraged. You may submit feedback by emailing us at admin@aocsavers.com. You agree, however, that (i) by submitting unsolicited ideas to AOCSAVERS or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of AOCSAVERS. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to AOCSAVERS together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.

9.5. Questions: If you have any questions

This document constitutes AOCSAVERS's complete Terms of Use for AOCSAVERS and related services. If you have questions about these Terms of Use or about AOCSAVERS or content thereon, please contact AOCSAVERS at admin@aocsavers.com.

You can also contact AOCSAVERS by:

WhatsApp: 0802 812 7275

Call: 0703 479 5929

Email: admin@aocsavers.com