Terms and Conditions

These terms of use ("Terms and Conditions") govern the terms on which users ("You", "Your" or "User") access and register on the website www.eanvest.com and/or the mobile application "Eanvest" (together, the "Platform"), owned and operated by Eanvest Ltd. Eanvest shall also allow its associates, group and subsidiary companies (together, "Company", "We" or "Us") to use the Platform per their requirements.

Please read these Terms and Conditions and our Privacy Policy carefully before registering on the Platform or accessing any material or information through it. The Company retains an unconditional right to modify or amend these Terms without notifying You. It is Your responsibility to check these Terms periodically for changes. Your continued use of the Platform after any modification signifies Your acceptance of the Terms as modified, and Your agreement to be legally bound by them.

BY AGREEING TO THIS AGREEMENT AND OPENING OR USING AN ACCOUNT, YOU EXPRESSLY AGREE TO THE TERMS OF THIS AGREEMENT AND ANY OTHER AGREEMENTS OR TERMS INCORPORATED INTO IT. CLICKING OR TAPPING "SUBMIT APPLICATION", "AGREE" OR ANY SIMILAR BUTTON OR ACKNOWLEDGEMENT AS PART OF THE APPLICATION PROCESS IS LEGALLY EQUIVALENT TO MANUALLY SIGNING THIS AGREEMENT, AND YOU WILL BE LEGALLY BOUND BY THIS AGREEMENT WHEN YOU CLICK OR TAP SUCH BUTTON.

THIS AGREEMENT AND ITS TERMS MAY BE SUPPLEMENTED OR AMENDED FROM TIME TO TIME BY EANVEST BY NOTICE TO YOU, AND SUCH NOTICE REQUIREMENT MAY BE SATISFIED BY THE REVISED TERMS BEING POSTED ON THE EANVEST WEBSITE, AND YOU AGREE TO CHECK FOR UPDATES TO THIS AGREEMENT. BY CONTINUING TO MAINTAIN ANY ACCOUNT OR ACCESS ANY SERVICES WITHOUT OBJECTING TO ANY REVISED TERMS OF THIS AGREEMENT, YOU ARE DEEMED TO ACCEPT THE TERMS OF THE REVISED AGREEMENT AND WILL BE LEGALLY BOUND BY ITS TERMS AND CONDITIONS. IF YOU REQUEST OTHER SERVICES PROVIDED BY EANVEST THAT REQUIRE YOU TO AGREE TO SPECIFIC TERMS AND CONDITIONS ELECTRONICALLY (THROUGH CLICKS OR OTHER ACTIONS) OR OTHERWISE, SUCH TERMS AND CONDITIONS WILL BE DEEMED AN AMENDMENT AND WILL BE INCORPORATED INTO AND MADE PART OF THIS AGREEMENT.

1. Platform Services

Eanvest Ltd, its website, subdomains, web applications and mobile applications, including any content, component, functionality and/or service offered through them, together with Eanvest's subsidiaries and associate companies (together, "Company", "We" or "Us"), use the Platform to offer products and services to You under applicable terms and conditions specified on Our Platform.

You acknowledge that the Platform allows You to avail services directly from the Company and/or its group entities and affiliates, including their products and services, and facilitates communication with them for such services and related information. The Company grants You a limited, non-exclusive, non-transferable, royalty-free licence to use the Platform for the purposes of availing services from the Company and its group entities and affiliates (collectively, "Platform Services").

You give Your consent to Us and other regulated entities of the Company to fetch and access Your information from Information Companies to understand or assess Your information, for internal evaluation and necessary due diligence as may be required for product/service offerings or otherwise. You agree and consent that We may share Your Personal Information with Our group/associate/affiliate companies to comply with a regulatory requirement or restriction applicable to Us and/or them. You agree and consent to Us fetching Your identification number and other details from accredited and regulated service providers, based on Your verified mobile number and other details You provide, and to fetching Your bank account details through any other verifiable method based on Your registered mobile number and identification numbers.

Use of the Platform covers: financial planning tools including the Goal Planner, Naira Exposure, Survival Months, EanCome Cover, Lost Earnings, EanLab, FP 360, and Eanventory; educational content covering personal finance, investing, and capital markets; automated insights and recommendations generated by Naomi, our recommendation engine, based on information you provide; facilitation of orders for regulated financial instruments, which are routed to and executed by a licensed Capital Market Operator as per Your instructions; and any other capital market activities provided for on the Platform.

We shall maintain a record of Your personal information and financial transactions securely and confidentially. However, where You express interest in the services of any of Our group/associate/affiliate companies, We may, based on Your consent, share Your KYC and other related information with that regulated entity.

It is clarified that the Company does not render asset management, fund manager, or broker services - it merely provides a platform to facilitate the transaction of investment funds in the capital market. Where You instruct an order through Our platform, that order is routed to a Capital Market Operator who executes it on Your behalf; Eanvest does not execute orders directly. Execution timing, settlement, pricing, partial fills, and cancellations are governed by the operator's own systems and the rules of the relevant exchange, fund, or instrument - see our Order Execution Policy for detail. If You use the Platform to buy or order regulated financial instruments, Eanvest charges fees (details of which are provided on the Platform) and receives commissions. We may change Our fees from time to time, giving You reasonable notice through the Platform or by direct communication; continued use of the Platform after new fees take effect constitutes Your acceptance of them. Eanvest only facilitates the sale of financial instruments through the Platform and will not be liable in any manner with respect to the units/instruments allotted to You.

Eanvest does not, and is not obliged to, offer all fund schemes for investment or all kinds of investment advisory services. By limiting the number of schemes on the Platform, the Company makes no representation as to the quality, bona fides or nature of any financial instrument. The data and information provided on the Platform does not constitute advice by Eanvest of any nature; all investments made in Your account are at Your sole discretion, shall not be relied upon while making investment decisions, and You are solely responsible for Your investment decisions. The Company and its affiliates, group, associate and subsidiary companies shall not be held liable by You for any loss or damage arising from or in relation to these Terms and/or Your use of the Platform.

As part of the Platform Services, You agree to provide honest feedback/review about the relevant Platform Service, if required by the Company.

In case of any dissatisfaction with the Platform Services, You shall first file a formal complaint with Our customer service before pursuing other recourse. Complaints can be lodged at support@eanvest.com; upon lodging a complaint, You agree to provide the customer service team complete support, including reasonable information, documents, emails and screenshots. The Company's decision on complaints shall be final, and You agree to be bound by it - if You disagree, You may refer the matter to the Securities and Exchange Commission or another competent authority. See our Complaint Resolution Policy for further detail.

Any specific reports provided by Eanvest based on Your request are not to be considered a basis for computing Your tax liability; You should consult an independent tax advisor, and Eanvest will not be liable for Your tax liability or any related loss or damage.

You give Your consent to Eanvest to download Your KYC records, and to access, process and share Your information, including transactional information, with group companies, affiliates, subsidiaries and third parties, to enable providing You Products/Services.

2. Use of the Platform

Subject to compliance with these Terms, the Company grants You a non-exclusive, limited privilege to access and use the Platform. You agree to use the Platform only (a) for purposes permitted by these Terms, and (b) in accordance with applicable law, regulation, or generally accepted practices or guidelines.

You agree not to copy, reproduce, sell, redistribute, publish, enter into a database, display, perform, modify, alter, transmit, license, create derivatives from, transfer, or otherwise exploit any part of the Platform's information, content, materials or services, except that You may download the Platform for Your own personal, internal, non-commercial use. You agree not to use the Platform in any manner that may damage, disable, impair, or adversely affect it, or interfere with other users' use, legal rights, or enjoyment of it, and not to remove any text, copyright, or other proprietary notices from downloaded content.

You further undertake not to:

defame, abuse, harass, threaten, or otherwise violate the legal rights of others; publish, post, upload, distribute or disseminate inappropriate, profane, defamatory, infringing, obscene, indecent, or unlawful material;
copy, republish, post, display, translate, transmit, reproduce, or distribute any Platform content through any medium without the Company's authorisation;
conduct or forward surveys, contests, pyramid schemes, or chain letters; upload files containing software protected by intellectual property law without proper rights or consent; upload files containing viruses or corrupted or damaging software; disrupt access to the Platform or connected servers/networks; attempt unauthorised access by hacking, password mining, or other illegitimate means; probe, scan, or test the Platform's vulnerability, or breach its security or authentication measures;
reverse look-up or trace any other user's or visitor's information, or exploit Platform information in any way to reveal personal identification information other than Your own; disrupt or interfere with the security of, or cause harm to, the Platform, its systems, accounts, passwords, servers, or connected networks; collect or store data about other users in connection with prohibited conduct;
use any device or software to interfere with the proper working of the Platform or any transaction, or with any other person's use of it; use the Platform for any unlawful purpose or to solicit illegal activity; falsify or delete author attributions, legal notices, or proprietary designations from uploaded material; violate any applicable law, whether within or outside Nigeria, or anyone's right to privacy or personality; or
violate these Terms in any other way, or reverse engineer, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or software obtained from the Platform.

You shall not use the Company's or its affiliates', group's or subsidiaries' registration details or certificates to induce the public to conduct business or trading activities with You, and shall not undertake selling/advisory activities or carry out transactions in the secondary market under the Company's name or title.

The Company has the right to suspend, block, or deactivate Your trading account as a risk-management measure, and/or where it reasonably believes a regulatory or statutory enquiry or investigation may arise from Your trades, transactions or actions; You will not dispute this.

3. Intellectual Property Rights

The Platform and all information, content, materials and products on it, including text, photographs, graphics, video, audio content and computer code ("Content"), are owned and controlled by the Company. The design, structure, selection, feel and arrangement of the Content is protected by copyright, patent, trademark and other intellectual property law, either in the Company's favour or that of third parties from whom appropriate permissions have been obtained. Trademarks, logos and service marks displayed on the Platform ("Marks") are the property of the Company or the relevant third party; You may not use the Marks without express prior written consent.

Except for Your personal information and other data You submit for transacting on the Platform, all information on the Platform is deemed the Company's property, and the Company is free to use any ideas, concepts, know-how or techniques You provide on the Platform in any manner. By initiating contact or a query through the Platform, You agree to be contacted by the Company or its service-provision partners.

4. Disclaimer of Warranties, Indemnification and Limitation of Liability

To the maximum extent permitted by applicable law, the Platform and other Content are provided on an "as is" basis without warranty of any kind, express, implied, statutory or otherwise, including implied warranties of title, non-infringement, merchantability, or fitness for a particular purpose. The Company makes no warranty that (i) the Platform or Platform Services will meet Your requirements, or that Your use will be uninterrupted, timely, secure or error-free; (ii) results obtained from use of the Platform will be effective, accurate or reliable; or (iii) errors or defects will be corrected. No advice or information, oral or written, obtained from the Company or Our group entities/affiliates creates any warranty not expressly stated in these Terms.

The Company has no liability related to user Content arising under intellectual property, libel, privacy, publicity, obscenity or other laws, and disclaims liability for the misuse, loss, modification or unavailability of user Content. The Company will not be liable for any loss You incur from unauthorised use of Your Account, with or without Your knowledge.

The Company has endeavoured to ensure the accuracy of Platform information but neither warrants nor represents its quality, accuracy or completeness. The Company is not responsible for delay or inability to use the Platform, for failure to provide functionality, or for any information, software or graphics obtained through the Platform, whether based on contract, tort, negligence, strict liability or otherwise, nor for non-availability during maintenance or unplanned suspension for technical or other reasons beyond its control. Any material or data You download through the Platform is at Your own discretion and risk, and You are solely responsible for any resulting damage to Your systems or data loss.

You acknowledge that the software and hardware underlying the Platform, and other internet-related software required to access it, are the legal property of their respective vendors; the Company's permission to access the Platform conveys no proprietary or ownership rights in that software/hardware to You.

Not all Platform Services are available in all geographical areas, and depending on Your location, You may not be eligible for certain Services; the Company and its group entities/affiliates reserve the absolute right to determine availability and eligibility.

The Company is not responsible for content or services on third-party sites linked from the Platform. The Company urges You to read the terms of use of any such third-party site before accessing or registering with it, and expressly disclaims all warranties (including merchantability, fitness for a particular purpose, title and non-infringement) with respect to information, services or products available, advertised, or sold through third-party websites.

The Company shall not be liable for failure or error of any transaction, or failure to perform its obligations, where performance is prevented, hindered or delayed by a Force Majeure Event, for as long as that event continues. "Force Majeure Event" means any event beyond the reasonable control of the affected party, including unavailability of communication systems, breach or virus affecting processing/payment/delivery mechanisms, sabotage, fire, flood, explosion, acts of God, civil commotion, strikes or industrial action, riots, insurrection, war, acts of government, computer hacking, unauthorised access to computer data or storage, computer crashes, malfunctioning terminals or systems affected by malicious or corrupting code, or mechanical, technical or power failures, including telecommunication faults.

You will not dispute or hold the Company responsible for:

any act that is not an obligation of the Company under these Terms;
disclosures made by the Company or its group entities/affiliates to any statutory body under law;
any loss incurred by You due to delays at a bank, registrar, commission, clearing house, broker, investment house or transfer agency, or due to technical issues You face on the Platform;
rejection of Your instructions by a bank, registrar, commission, clearing house, investment house, or transfer agency;
any SEC- or NGX-related issue or loss where Your orders were placed after the applicable cut-off time;
queries or complaints regarding deduction of an amount by Eanvest prior to a completion or closing date;
squaring off Your trades/positions under the Company's risk policy for factors including volatility, margin, outstanding debts, circuit limits (irrespective of margin availability) or liquidity - You are solely liable for the consequences;
loss from auto square-off of Your trades/positions after the specified cut-off time;
restrictions imposed under the Company's internal policy, or limits placed on trading under Eanvest's policies; or
processing of instructions authenticated by Your login credentials, or non-availability of the Platform, telephone lines, or offices of the Company and its affiliates due to circumstances beyond their control.

You agree to indemnify the Company, its entities and affiliates, and their directors and employees, against losses, damages, penalties, claims, costs and demands (including reasonable legal fees) arising from Your breach or non-performance of these Terms, or Your acts or omissions, and to hold them harmless against third-party claims arising from Your use of the Platform, misrepresentation of data You provided, Your violation of these Terms, or Your violation of another's rights, including intellectual property rights. In no event shall the Company, its entities, affiliates, officers, partners, consultants, agents or employees be liable to You or any third party for special, incidental, indirect, consequential or punitive damages arising from Your use of or access to the Platform. The Company's total aggregate liability to You for any claim relating to these Terms is limited to the higher of (a) the fees You paid to Eanvest in the twelve months preceding the event giving rise to the claim, or (b) fifty thousand naira (₦50,000). These limitations apply to the maximum extent permitted by applicable law.

You warrant that all details and information You provide to the Company and/or Our group entities/affiliates, including for the purposes of carrying out investments, are correct, accurate and genuine, and that providing or sharing that information does not violate any third party's rights, including intellectual property rights.

You acknowledge that You may create a pool or selection of investments ("Portfolio") for the purposes of subscription or Your own analysis. You are solely responsible for any investment decision made on the basis of a Portfolio or its system-generated analysis; the Company is not liable for any loss or damage arising from such a decision or reliance on it, and specifically disclaims the accuracy and correctness of any analysis or data generated or reflected while creating a Portfolio.

5. Eligibility to Use

By accepting these Terms, You represent that:

You are 18 years of age or older, or, if acting as guardian on behalf of a minor, You have the necessary authority to register on the Platform on the minor's behalf;
You are of legal age to form a binding contract, are not barred from receiving the Platform Services under applicable law, and are competent to enter into a binding contract - the Company reserves the right to refuse access to any new user, or to a user previously suspended, disqualified, debarred or removed for any regulatory or statutory reason;
You agree to abide by these Terms, Our policies, offer documents, investor application forms, account-opening forms, disclosure documents and any other information You provide through the Platform;
the money You invest is from Your own bank account (the primary holder's account, for a joint Investment Account), from legitimate sources, and remitted through approved banking channels;
You will not sell, trade, or otherwise transfer Your Account to another party, or impersonate any other person to create an account;
You agree to make an informed, independent investment decision by reading the offer documents of any mutual fund scheme You invest in; and
before investing, You will seek independent financial planning, legal, accounting, tax or other professional advice, if required.

You are solely responsible for all investment decisions You execute on the Platform in Your portfolio, and the Company is not responsible for any loss or harm You incur from the investment activities carried out in it.

6. User Account, Password and Security

To access the Platform Services and Your account ("Account"), You must register by providing details including Your mobile number, email address, password, date of birth, gender, Bank Verification Number (BVN), National Identification Number (NIN), signature, marital status, and a photograph and video call/recording, plus any other information the Company requires from time to time. Your Account is activated once Eanvest completes Your KYC verification in accordance with the Know Your Client ("KYC") guidelines and circulars issued by the Securities and Exchange Commission (SEC), the Nigerian Exchange (NGX), the Central Securities Clearing System (CSCS), and the Central Bank of Nigeria (CBN), among others, based on the information You provide.

You give Your consent to Eanvest to share Your KYC documents with any KYC-accredited company, and understand that once uploaded for KYC purposes, this information can be downloaded by any other intermediary with whom You enter a business relationship.

We may also ask You for financial information, including Your billing address, home address, bank account details, and other payment-related details or standing instructions to process payments for the Platform Services, and may ask for additional information on a case-by-case basis. You must ensure Your Account information is complete, accurate, and up to date, and promptly update it if it changes. If You provide information that is untrue, inaccurate, outdated or incomplete, or the Company has reasonable grounds to suspect this, the Company may suspend or terminate Your Account and refuse further use of the Platform, in addition to any other right it may have.

You are responsible for maintaining the confidentiality of Your Account information and for all activity under Your Account, and agree to keep Your login credentials safe at all times, to promptly change them, and to inform the Company immediately of any actual or suspected unauthorised use. The Company is not liable for loss or damage arising from Your failure to comply with this provision, and You may be held liable for losses the Company or another user incurs due to unauthorised use of Your Account resulting from Your failure to keep it secure.

7. Naomi and Automated Recommendations

Our recommendation engine, Naomi, generates insights and suggestions using the information you provide, your stated risk appetite, the characteristics of available products, and quantitative factors. Naomi:

is not a human adviser;
does not know facts about you that you have not disclosed, including tax circumstances, regulated pensions, assets held outside Eanvest, or personal legal considerations;
may produce inaccurate, incomplete, or outdated outputs; and
may change its methodology from time to time as we improve the engine or as market conditions change.

You are not obliged to accept any recommendation Naomi makes. Detailed information about Naomi is set out in our Naomi AI Disclaimer.

8. Violation of These Terms

You agree that any violation of these Terms by You constitutes an unlawful and unfair business practice that will cause the Company and/or its group entities and affiliates irreparable harm, for which monetary damages would be inadequate, and You consent to the Company obtaining any injunctive or equitable relief it deems necessary or appropriate - in addition to any other remedies available at law or in equity. If the Company takes legal action against You as a result of Your violation, it will be entitled to recover, and You agree to pay, all reasonable legal fees and costs of that action, in addition to any other relief granted.

9. Suspension and Termination

These Terms continue to apply until terminated by You or the Company. If You object to these Terms or are dissatisfied with the Platform, Your only recourse is to close Your Account and/or stop accessing the Platform. Where You violate these Terms and/or applicable law, the Company may, at its sole discretion, terminate Your Account and/or prevent Your access to the Platform or Platform Services at any time.

The Company may delist You, block Your future access, or suspend or terminate Your Account if it believes, in its sole discretion, that You have infringed, breached, violated, abused, manipulated, or exploited any of these Terms, or otherwise acted unethically. These Terms survive indefinitely unless and until the Company chooses to terminate them. If You or the Company terminate Your use of the Platform, the Company may delete Content or other materials relating to You, with no liability to You or any third party for doing so - though Your transaction details may be preserved for tax or regulatory compliance. On termination, the Company will arrange for the return of any assets held for You through Our partner Capital Market Operators, in line with applicable rules. The Company, in consultation with its associates and subsidiaries, may modify these Terms at any time.

10. Refund Policy

Transactions on the Platform are completed only after successful transfer of money from Your bank account. Inflows will be credited to Your Account within 15 to 20 working days, or as stipulated by regulatory bodies from time to time, from the date of successful transfer. Once completed, transactions on the Platform cannot be cancelled by You. Where funds fail to reflect a transfer from or to Your bank account, the money will be refunded to Your registered bank account within the relevant period agreed with Your bank, and Eanvest shall not be responsible for that delay.

11. Governing Law

These Terms are governed and construed in accordance with the laws of the Federal Republic of Nigeria, without reference to conflict-of-laws principles. All disputes arising in relation to them are subject to the exclusive jurisdiction of the courts of Nigeria.

12. Caution

Investments are subject to market risks. Please read all investment, offer and scheme-related documents carefully before investing. For the purposes of these Terms, "Offer Document(s)" also refers collectively to any Offer Document, Scheme Information Document, Statement of Additional Information, or Key Information Memorandum issued by the Company or an Asset Management Company.

If You come across any abuse or violation of these Terms, or become aware of objectionable content on the Platform, please report it to support@eanvest.com.

14. Communications

You expressly agree to receive communication (including transactional messages) by SMS, email, or WhatsApp from the Company or a third party in connection with the Platform Services or Your registration on the Platform.

15. Posts

The Company may display content on the Platform featuring specific articles or write-ups by third parties in relation to investments. Such content does not represent the Company's views or recommendations, and You are required to read the underlying documents carefully before making any investment decision. You may be permitted to post and comment on such content, and You undertake that Your comments will not be offensive and will comply with applicable law. All material You add, create, submit, or post to the Platform is Your sole responsibility. The Company reserves the right to review any information or data You upload and to delete anything inconsistent with these Terms.

16. General Provisions

Notice: All notices from the Company will be served by email to Your registered email address, or by general notification on the Platform. Any notice You send the Company under these Terms should be sent to support@eanvest.com, with subject line "Attention: TERMS OF USE".

Assignment: You cannot assign or otherwise transfer these Terms, or any rights granted under them, to any third party. The Company's rights under these Terms are freely transferable by the Company to any third party without requiring Your consent.

Severability: If a court of competent jurisdiction finds any provision of these Terms unenforceable, that provision shall be enforced to the maximum extent permissible to give effect to the parties' intent, and the remainder of these Terms shall continue in full force and effect.

Waiver: Any failure by the Company to enforce or exercise a provision of these Terms, or a related right, does not constitute a waiver of that provision or right.

17. IP Infringement

If You believe the Platform violates Your intellectual property, You must promptly notify the Company in writing at support@eanvest.com. Notifications should only be submitted by the intellectual property owner or an authorised agent; a false claim may result in termination of Your access to the Platform. Your notice must include:

the intellectual property You believe is being infringed;
the item You believe is infringing, with sufficient information about where it is located on the Platform;
a statement that You believe in good faith that the identified item is not authorised by the intellectual property owner, its agent, or the law;
Your contact details (address, telephone number and/or email);
a statement that the information in Your notice is accurate, and that You are the intellectual property owner or an authorised agent; and
Your physical or electronic signature.