Terms of Service

1. ABOUT CONTRINOW

1.1. Our Service

Contrinow is a mobile application that helps Nigerian community organizations manage fundraising activities with transparency and accountability. Our service allows groups such as churches, mosques, estates, alumni associations, and other organizations to create fundraising groups, track contributions and expenses, manage multi-party approval for fund withdrawals, and maintain transparent financial records.

1.2. Who Can Use Contrinow

You must be at least 18 years old to create an account and use Contrinow. By creating an account, you confirm that you meet this age requirement and that all information you provide is accurate and complete.

1.3. Definitions

User: Any person who creates an account on Contrinow.

Group: A fundraising group created within Contrinow for collective fundraising purposes.

Admin: The user who creates a group and has full control over that group's settings and membership.

Validator: A user designated by the admin to review and approve withdrawal requests.

Contributor: A user who makes financial contributions to a group.

Content: Any information, data, text, images, or other materials you submit or upload to Contrinow.

2. YOUR ACCOUNT

2.1. Creating an Account

To use Contrinow, you need to create an account by providing your name, email address, phone number, and creating a password. You can also sign in using your Google account. When creating an account, you must provide accurate and complete information and keep this information up to date.

2.2. Account Security

You are responsible for keeping your account credentials secure. You should not share your password with anyone. You agree to notify us immediately if you suspect any unauthorized access to your account by emailing support@contrinow.com. You are responsible for all activities that occur under your account, whether or not you authorized them.

2.3. Account Termination

You may delete your account at any time through your account settings or by contacting us. We may suspend or terminate your account if you violate these Terms, engage in fraudulent activity, or for any other reason at our discretion. If we terminate your account for violations, you may not create a new account without our permission.

3. USING CONTRINOW

3.1. Creating and Managing Groups

Any user can create a fundraising group. As the group admin, you are responsible for managing group membership, assigning roles (admin, validator, contributor), setting group policies, and ensuring compliance with these Terms within your group. You should only create groups for legitimate fundraising purposes.

3.2. Joining Groups

You can join existing groups within Contrinow. By joining a group, you agree to participate in good faith and respect the group's purpose and rules. You understand that other group members will be able to see your name, profile picture, role, and contribution history within that group.

3.3. Financial Transactions

Contrinow facilitates the recording of financial contributions and expenses within groups. We integrate with payment processors (Paystack and Flutterwave) to enable contributions and withdrawals. You are responsible for ensuring that all financial information you provide is accurate. You understand that once a contribution is made, it is subject to the group's withdrawal approval process and cannot be automatically refunded through Contrinow. All withdrawal requests must be approved by the required number of validators as determined by the group's settings.

3.4. Acceptable Use

You agree not to use Contrinow to:

Engage in fraudulent activities or misrepresent the purpose of fundraising.

Violate any applicable laws or regulations.

Harass, threaten, or harm other users.

Upload malicious code, viruses, or any content that could damage our systems.

Attempt to gain unauthorized access to other users' accounts or our systems.

Use automated systems or bots to access Contrinow without our permission.

Collect or store personal information of other users without their consent.

4. YOUR CONTENT AND DATA

4.1. Ownership of Your Content

You retain ownership of all content you submit to Contrinow, including your profile information, group descriptions, transaction descriptions, and uploaded receipts. However, by using Contrinow, you grant us a license to use, store, and display your content as necessary to provide our services.

4.2. Responsibility for Your Content

You are solely responsible for the content you submit to Contrinow. You represent and warrant that you have all necessary rights to the content you submit and that your content does not violate any third party rights or applicable laws. We do not review all user content before it is posted, but we reserve the right to remove any content that violates these Terms.

4.3. Data Accuracy

You are responsible for ensuring that all financial data you enter into Contrinow is accurate. This includes contribution amounts, expense records, and bank account information. Errors in data entry may result in incorrect financial records or failed transactions.

5. FINANCIAL MATTERS

5.1. Payment Processing

We use third-party payment processors (Paystack and Flutterwave) to handle financial transactions. By using Contrinow's payment features, you also agree to the terms and conditions of these payment processors. We are not responsible for any issues arising from the payment processors' services.

5.2. Transaction Fees

Payment processors may charge transaction fees for processing contributions and withdrawals. These fees are set by the payment processors and may be deducted from transaction amounts. We will clearly display any applicable fees before you complete a transaction.

5.3. Disputes and Refunds

If you have a dispute regarding a contribution or withdrawal, you should first try to resolve it within your group. Contrinow provides tools for transparency and accountability, but we are not responsible for resolving disputes between group members. We do not offer refunds for contributions made through Contrinow unless required by law. If you believe there has been an unauthorized transaction on your account, contact us immediately at support@contrinow.com

5.4. Tax Responsibilities

You are responsible for determining and paying any taxes that may apply to contributions you receive or make through Contrinow. We do not provide tax advice, and you should consult with a tax professional regarding your obligations.

6. INTELLECTUAL PROPERTY

6.1. Our Intellectual Property

Contrinow and all its features, including the app design, logo, name, and underlying technology, are owned by us or our licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works based on Contrinow without our written permission.

6.2. Limited License to Use

We grant you a limited, non-exclusive, non-transferable license to use Contrinow for your personal or organizational fundraising purposes in accordance with these Terms. This license does not give you any ownership rights in Contrinow.

7. DISCLAIMERS AND LIMITATIONS OF LIABILITY

7.1. Service Provided As Is

Contrinow is provided on an "as is" and "as available" basis. We do not guarantee that Contrinow will always be available, error-free, or free from viruses or other harmful components. We do not warrant that Contrinow will meet your specific requirements or expectations.

7.2. No Financial Advice

Contrinow is a tool for managing fundraising activities. We do not provide financial, investment, legal, or tax advice. Any decisions you make regarding contributions, withdrawals, or group management are your own responsibility.

7.3. Limitation of Liability

To the maximum extent permitted by law, Contrinow and its owners, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from your use of Contrinow. Our total liability to you for any claims arising from these Terms or your use of Contrinow shall not exceed the amount you paid to us in the 12 months prior to the event giving rise to the liability, or 50,000 Nigerian Naira if you have not made any payments to us.

7.4. Group Member Disputes

We are not responsible for disputes that arise between group members, including disagreements about fund usage, withdrawal approvals, or group management decisions. While Contrinow provides transparency tools, you acknowledge that we cannot guarantee the honesty or trustworthiness of other users.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Contrinow and its owners, employees, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from your use of Contrinow, your violation of these Terms, your violation of any rights of another person or entity, or any content you submit to Contrinow.

9. PRIVACY AND DATA PROTECTION

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using Contrinow, you agree to our Privacy Policy, which is incorporated into these Terms by reference. You can read our full Privacy Policy at https://www.contrinow.com/privacy

10. CHANGES TO THESE TERMS

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. When we make changes, we will update the "Last Updated" date at the top of these Terms and notify you via email or through a notice in the app. Your continued use of Contrinow after changes take effect means you accept the updated Terms. If you do not agree with the changes, you should stop using Contrinow and delete your account.

11. TERMINATION

We reserve the right to suspend or terminate your access to Contrinow at any time, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use Contrinow will immediately cease. Sections of these Terms that by their nature should survive termination (including ownership provisions, warranty disclaimers, indemnification, and limitations of liability) will survive.

12. GOVERNING LAW AND DISPUTE RESOLUTION

12.1. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms or your use of Contrinow will be subject to the exclusive jurisdiction of the courts in Lagos, Nigeria.

12.2. Dispute Resolution

If you have a dispute with us, please first try to resolve it by contacting us at support@contrinow.com. We will work in good faith to resolve your concerns. If we cannot resolve the dispute through informal negotiation, either party may bring a claim in the appropriate court in Lagos, Nigeria.

13. GENERAL PROVISIONS

13.1. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Contrinow regarding your use of the service and supersede any prior agreements.

13.2. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

13.3. No Waiver

Our failure to enforce any provision of these Terms does not waive our right to enforce that provision in the future.

13.4. Assignment

You may not assign or transfer these Terms or your rights under them without our written consent. We may assign these Terms to any affiliate or in connection with a merger, acquisition, or sale of assets.

13.5. Third Party Services

Contrinow may integrate with third-party services such as payment processors and Google authentication. Your use of these third-party services is subject to their own terms and conditions. We are not responsible for the actions, policies, or content of third-party services.

14. CONTACT INFORMATION

If you have questions, concerns, or feedback regarding these Terms of Service, please contact us:

Email: support@contrinow.com

Response Time: We will respond to your inquiries within 48 hours.

15. ACKNOWLEDGMENT

By creating an account or using Contrinow, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.