Legals

This acceptable use policy (”Acceptable Use Policy”, ”AUP”, ”Policy”) is an agreement between PalKeeper Ltd (”PalKeeper Ltd” ”us”, ”we” or ”our”) and you (”User”, ”you” or ”your”). This Policy sets forth the general guidelines and acceptable and prohibited uses of the PalKeeper mobile application and any of its products or services (collectively, ”Mobile Application” or ”Services”). Prohibited activities and uses You may not use the Services to publish content or engage in activity that is illegal under applicable law, that is harmful to others, or that would subject us to liability, including, without limitation, in connection with any of the following, each of which is prohibited under this Policy:

Distributing malware or other malicious code.

Disclosing sensitive personal information about others.

Collecting, or attempting to collect, personal information about third parties without their knowledge or consent.

Distributing pornography or adult related content.

Promoting or facilitating prostitution or any escort services.

Promoting or facilitating gambling, violence, terrorist activities or selling weapons or ammunition.

Engaging in the unlawful distribution of controlled substances, drug contraband or prescription medications.

Managing payment aggregators or facilitators such as processing payments on behalf of other businesses or charities.

Facilitating pyramid schemes or other models intended to seek payments from public actors.

Threatening harm to persons or property or otherwise harassing behavior.

Purchasing any of the offered Services on someone else’s behalf.

Misrepresenting or fraudulently representing products or services.

Infringing the intellectual property or other proprietary rights of others.

Facilitating, aiding, or encouraging any of the above activities through our Services. System abuse.

No spam policy You may not use our Services to send spam or bulk unsolicited messages. We maintain a zero-tolerance policy for use of our Services in any manner associated with the transmission, distribution or delivery of any bulk e-mail, including unsolicited bulk or unsolicited commercial e-mail, or the sending, assisting, or commissioning the transmission of commercial e-mail that does not comply with the U.S. CAN-SPAM Act of 2003 (”SPAM”). Your products or services advertised via SPAM (i.e., Spamvertised) may not be used in conjunction with our Services. This provision includes, but is not limited to, SPAM sent via fax, phone, postal mail, email, instant messaging, or newsgroups. Sending emails through our Services to purchased email lists (”safe lists”) will be treated as SPAM.

Defamation and objectionable content We value the freedom of expression and encourage Users to be respectful with the content they post. We are not a publisher of User content and are not in a position to investigate the veracity of individual defamation claims or to determine whether certain material, which we may find objectionable, should be censored. However, we reserve the right to moderate, disable or remove any content to prevent harm to others or to us or our Services, as determined in our sole discretion. Copyrighted content Copyrighted material must not be published via our Services without the explicit permission of the copyright owner or a person explicitly authorized to give such permission by the copyright owner. Upon receipt of a claim for copyright infringement, or a notice of such violation, we will immediately run full investigation and, upon confirmation, will notify the person or persons responsible for publishing it and, in our sole discretion, will remove the infringing material from the Services. We may terminate the Service of Users with repeated copyright infringements. Further procedures may be carried out if necessary. We will assume no liability to any User of the Services for the removal of any such material. If you believe your copyright is being infringed by a person or persons using our Services, please send a report of the copyright infringement to the contact details listed at the end of this Policy. Your notice must include the following: We reserve our right to be the sole arbiter in determining the seriousness of each infringement and to immediately take corrective actions, including but not limited to:

identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted words at a single site are covered by a single notification, a representative list of such works at that site. identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material.

Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an e-mail address.

A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, the copyright owner”s agent, or the law.

A statement that the information in the notification is accurate, and under penalty of perjury that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Security You take full responsibility for maintaining reasonable security precautions for your account. You are responsible for protecting and updating any login account provided to you for our Services. You must protect the confidentiality of your login details, and you should change your password periodically. Enforcement We reserve our right to be the sole arbiter in determining the seriousness of each infringement and to immediately take corrective actions, including but not limited to: Suspending or terminating your Service with or without notice upon any violation of this Policy. Any violations may also result in the immediate suspension or termination of your account. Disabling or removing any content which is prohibited by this Policy, including to prevent harm to others or to us or our Services, as determined by us in our sole discretion. Reporting violations to law enforcement as determined by us in our sole discretion. A failure to respond to an email from our abuse team within 2 days, or as otherwise specified in the communication to you, may result in the suspension or termination of your Services. Suspended and terminated User accounts due to violations will not be re-activated. A backup of User’s data may be requested; however, it may be subject to certain penalty fees imposed according to the breach of this Policy terms. The final penalty fee will be determined by the type and frequency of the violations. ​ Nothing contained in this Policy shall be construed to limit our actions or remedies in any way with respect to any of the prohibited activities. We reserve the right to take any and all additional actions we may deem appropriate with respect to such activities, including without limitation taking action to recover the costs and expenses of identifying offenders and removing them from our Services, and levying cancellation charges to cover our costs. In addition, we reserve at all times all rights and remedies available to us with respect to such activities at law or in equity. Reporting violations If you have discovered and would like to report a violation of this Policy, please contact us immediately. We will investigate the situation and provide you with full assistance. Changes and amendments We reserve the right to modify this Policy or its terms relating to the Mobile Application or Services at any time, effective upon posting of an updated version of this Policy in the Mobile Application. When we do, we will post a notification in our Mobile Application. Continued use of the Mobile Application after any such changes shall constitute your consent to such changes. Acceptance of this policy You acknowledge that you have read this Policy and agree to all its terms and conditions. By using the Mobile Application or its Services you agree to be bound by this Policy. If you do not agree to abide by the terms of this Policy, you are not authorized to use or access the Mobile Application and its Services. Contacting us If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to it, you may do so via the contact form, send an email to support@PalKeeper.com or write a letter to:________________________

The PalKeeper User Community Standards outline briefly what is and isn”t allowed on the PalKeeper services. More comprehensive PalKeeper User Community Standards may be found in the PalKeeper Acceptable Use Policy Overview People use PalKeeper chatter services to share and receive conditions updates at and about their locations. PalKeeper provides the chatter services to enable users stay safe by making sure they receive up-to-date situational alert about nearby locations in a timely manner to void walking into danger. We take alert authenticity and user safety seriously. That’s why we developed standards for what is and isn’t allowed on PalKeeper. Authencity And User Safety We want to make sure the content people see on PalKeeper is authentic. Pinning untrue and misleading location conditions that could cause panic to other users is a ground for account deactivation and may result in criminal prosecution. Please note that we shall continue to update this document as time goes on and need arises. You may not use the Services to publish content or engage in activity that is illegal under applicable law, that is harmful to others, or that would subject us to liability, including, without limitation, in connection with any of the following, each of which is prohibited under this Acceptable Use Policy. Enforcement We reserve our right to be the sole arbiter in determining the seriousness of each infringement and to immediately take corrective actions, including but not limited to: Suspending or terminating your Service with or without notice upon any violation of this Policy. Any violations may also result in the immediate suspension or termination of your account. Disabling or removing any content which is prohibited by our Policies, including to prevent harm to others or to us or our Services, as determined by us in our sole discretion. Reporting violations to law enforcement as determined by us in our sole discretion. A failure to respond to an email from our abuse team within 2 days, or as otherwise specified in the communication to you, may result in the suspension or termination of your Services. accounts due to violations will not be re-activated. All (if any) of terminated User”s accumulated earnings will be frozen. A backup of User’s data may be requested; however, it may be subject to certain penalty fees imposed according to the breach of this Policy terms. The final penalty fee will be determined by the type and frequency of the violations. Nothing contained in this Policy shall be construed to limit our actions or remedies in any way with respect to any of the prohibited activities. We reserve the right to take any and all additional actions we may deem appropriate with respect to such activities, including without limitation taking action to recover the costs and expenses of identifying offenders and removing them from our Services, and levying cancellation charges to cover our costs. In addition, we reserve at all times all rights and remedies available to us with respect to such activities at law or in equity. Reporting violations If you have discovered and would like to report a violation of this Policy, please flag the affected content or where application,contact us immediately. We will investigate the situation and provide you with full assistance. Acceptance of this guidelines ou agree to abide by these guidelines and privacy policy as well as terms and conditions of PalKeeper by using any of PalKeeper”s Services. If you do not agree to abide by the guidelines, terms, and Policies, you are not authorized to use or access the Mobile Application and its Services. Contacting us If you would like to contact us to understand more about this Policy or wish to contact us concerning any matter relating to it, you may do so via the contact form, send an email to info@PalKeeper.com. Since our Services offer non-tangible, irrevocable goods we do not provide refunds after the product is purchased, which you acknowledge prior to purchasing any product on our Services. You may however sign up for a free fully functioning 90 day trial and try the service before making a purchase. Contacting us If you would like to contact us concerning any matter relating to this Refund Policy, you may do so via: The contact form or Send an email to support@palkeepers.com or write a letter to

Do not use any of our services without reading the following Terms and Conditions of services and our Privacy Policy.

PalKeeper app is a software product of PalKeeper Ltd. Therefore, the following terms and conditions (”Terms”, ”Agreement”) are an agreement between PalKeeper Ltd (collectively, ”PalKeeper , ”us”, ”we” or ”our”) and You (If You are an individual, ”You” means Yourself and anyone who works with or assists You. If You are a merchant, work for, or own, a business entity, ”You” means the business entity, which You agree You are authorized to represent, as well as all other persons who own, or are employed by, or perform work for, that business. ”Your” means things that belong to or are associated with You” (collectively, ”user”, ”you” or ”your”). This Agreement sets forth the general terms and conditions of your use of the PalKeeper Services through our: mobile applications (PalKeeper, PalKeeper SOS, PalKeeper Chatter, PalKeeper U2 Earner), websites https://www.palkeeper.com, https://www.palkeepers.com or any of our products or services (collectively, ”Mobile Application” or ”Services”). Note: We store and distribute content and information in data centers and systems around the world, including within and outside Nigeria. The use of this global infrastructure is necessary and essential to provide our Services. We own some of this infrastructure part of which may be owned or operated by our service providers including affiliated companies.

1. Acceptance of this agreement

PalKeeper Ltd. provides location information services. Our services technologies may allow users to provide updates and get feedback from other users about their wellbeing at a particular place and time. Users may also trigger SOS alert to their emergency contacts for help when in dire distress using our SOS Alert services, or chatter about local conditions using the Chatter services. Our U2 Earner services allow users to earn money while using our services.If you access the website located at www.palkeeper.com or www.palkeepers.com, install or use PalKeeper mobile applications, or access any information, function, or service available or enabled by us (each, a ”Service” and collectively, the ”Services”), or complete the PalKeeper account registration process, you hereby represent and warrant that:

(a) you have read, understand, and agree to be bound by this Agreement;

(b) you are of legal age in the jurisdiction in which you reside to form a binding contract with PalKeeper Ltd. (the ”Minimum Age”);(c) you have the authority to enter into the Agreement personally.(d) you agree to be bound by this Agreement and acknowledge and agree to the collection, use, and disclosure of your personal information in accordance with PalKeeper Privacy Policy, which is incorporated in this Agreement by reference. Certain features of our Services may be subject to additional terms and conditions, which are incorporated herein by reference. Such terms include but not limited to: Privacy policy; Cookie policy; Acceptable use policy; Refund policy; Disclaimer.EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT, IF YOU DO NOT AGREE TO BE BOUND BY THE AGREEMENT, PLEASE DO NOT ACCESS OR USE PALKEEPER’S SERVICES.

2. Accounts and membership

You must be at least 13 years of age to register for and use our Services including the Mobile Application (PalKeeper ). By using our Services and by agreeing to this Agreement you warrant and represent that you are at least 13 years of age. If you create an account in the Mobile Application, you are responsible for maintaining the security of your account and you are fully responsible for all activities that occur under the account and any other actions taken in connection with it. We may, but have no obligation to, monitor and review new accounts before you may sign in and use our Services. Providing false contact information of any kind may result in the termination of your account. You must immediately notify us of any unauthorised uses of your account or any other breaches of security. We will not be liable for any acts or omissions by you, including any damages of any kind incurred as a result of such acts or omissions. We may suspend, disable, or delete your account (or any part thereof) if we determine that you have violated any provision of this Agreement or that your conduct or content would tend to damage our reputation and goodwill. If we delete your account for the foregoing reasons, you may not re-register for our Services. We may block your email address and Internet protocol address to prevent further registration.

3. E-sign disclosure

By creating a PalKeeper account, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by emailing PalKeeper Ltd. at privacy@PalKeeper .com with ”Revoke Electronic Consent” in the subject line. To view and retain a copy of this disclosure, you will need (i) a device (such as a computer or mobile phone) with a web browser and Internet access and (ii) either a printer or storage space on such device. For a free paper copy, email us at privacy@PalKeeper .com with contact information and the address for delivery.

4. User content

(a) General: We do not own any data, information or material (”Content”) that you submit in the Mobile Application or website in the course of using the Service. You shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use of all submitted Content. We may, but have no obligation to, monitor and review Content in the Mobile Application submitted or created using our Services by you. You grant us permission to access, copy, distribute, store, transmit, reformat, display and perform the Content of your user account solely as required for the purpose of providing the Services to you. Without limiting any of those representations or warranties, we have the right, though not the obligation, to, in our own sole discretion, refuse or remove any Content that, in our reasonable opinion, violates any of our policies or is in any way harmful or objectionable. You also grant us the license to use, reproduce, adapt, modify, publish or distribute the Content created by you or stored in your user account for commercial, marketing or any similar purpose.

(b) User-generated content: PalKeeper may provide you with interactive opportunities through the Services, including, by way of example, the ability to post location reviews, trigger SOS alert, Chatter, etc (collectively, ”User-generated Content” also, ”User Content”). You acknowledge and agree that to the extent that PalKeeper provides a technology platform allowing you to provide said user content, you understand and agree that you do not work for PalKeeper and your user-generated content is only for your goodwill purpose for the PalKeeper Services. You represent and warrant that you are the owner of, or otherwise have the right to provide, all User Content that you submit, post and/or otherwise transmit through the Services. You hereby grant PalKeeper a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works, distribute and/or otherwise use the User Content in connection with PalKeeper’s business and in all forms now known or hereafter invented (”Uses”), without notification to and/or approval by you. You further grant PalKeeper a license to use your username and/or other User profile information, including without limitation your flagging history and chatter contents, to attribute User Content to you in connection with such Uses, without notification or approval by you. You agree that this license includes the right for other Users to access and use your User Content in conjunction with participation in the Services and as permitted through the functionality of the Services. In the interest of clarity, the license granted to PalKeeper herein shall survive termination of the Services or your account. PalKeeper reserves the right in its sole discretion to remove or disable access to any User Content from the Services, suspend or terminate your account at any time, or pursue any other remedy or relief available under equity or law if you post any User Content that violates this Agreement or we consider to be objectionable for any reason. You agree that PalKeeper may monitor and/or delete your User Content (but does not assume the obligation) for any reason in PalKeeper sole discretion. PalKeeper may also access, read, preserve, and disclose any information as PalKeeper reasonably believes is necessary to (i) satisfy any applicable law, regulation, legal process, or governmental request, (ii) enforce this Agreement, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security, or technical issues, (iv) respond to User support requests, or (v) protect the rights, property or safety of PalKeeper, its users and the public.

(c) Feedback: You agree that any submission of any ideas, suggestions, and/or proposals to PalKeeper through its suggestion, feedback, wiki, chatter, forum or similar pages (”Feedback”) is at your own risk and that PalKeeper has no obligations (including without limitation, obligations of confidentiality) with respect to such Feedback. You represent and warrant that you have all rights necessary to submit the Feedback and you hereby grant to PalKeeper a perpetual, irrevocable, transferable, fully paid, royalty-free, non-exclusive, worldwide, fully sublicensable right and license to use, copy, display, publish, modify, remove, publicly perform, translate, create derivative works, distribute and/or otherwise use such Feedback.

(d) SOS Alert: PalKeeper SOS, Watch My Back feature is our service shortcut to allow you easily and quickly update your emergency contacts or temporary assigned ”back watchers” of your safety situation at a meeting place with someone or people you do not know well or you do not fully trust. This virtual location information tool allows you feel confident that someone knows where you are and with whom you are meeting. PalKeeper SOS alert feature may: (i) provide shortcut buttons/ functionalities on your internet connected mobile device through the PalKeeper mobile application to help make it easy for you to quickly and discreetly trigger emergency alerts to your assigned emergency contacts or back watchers who must also be registered PalKeeper users and have the PalKeeper mobile application installed in their internet connected device to be able to receive the PalKeeper SOS alert when triggered, (ii) let you schedule and update your assigned back watchers about your condition from time to time at a scheduled meeting or location. (iii) let you record and transmit audio and live videos to your emergency contacts to help them know ongoing threats and details of the scene or identifying information about assailant(s) as well as intensity of the ongoing situation. (iv) let your emergency contacts see your mobile device”s location when you trigger the SOS alert. PalKeeper shall have no liability for personal endangerment or economic loss resulting from SOS alert. To the extent that PalKeeper feature SOS functionality on the PalKeeper application, NONE of our services, including the PalKeeper SOS mobile application (PalKeeper SOS feature, PalKeeper SOS module, PalKeeper Watch My Back) provides access to emergency service providers like the police, fire department, hospitals, or other public safety organizations. Make sure you can contact emergency service providers through a mobile, fixed-line telephone, or other service. You agree that: (i) you will not deceptively trigger the PalKeeper SOS alert. (ii) you will only trigger SOS alert when you are in danger or in distress and need emergency services; (iii) you will not use the SOS alert to frame, harm, injure or hurt another person, people, or business, and (iv) you will not endanger yourself as an emergency contact or the user in danger during active SOS alert (v) your use of our SOS alert service will comply with the terms of this Agreement. If we determine, in our sole discretion, that your use of the PalKeeper SOS functionality could diminish the integrity of our services or otherwise violates this Agreement, we may deactivate your account without notice.

(e) Chatter Pinning (Chattering): PalKeeper provide users ability to chatter about local conditions through the PalKeeper Chatter feature. Said chatter services maybe enabled in private mode or public mode and users may chatter using the preset template or custom chatter. To the extend that we provide preset chatter templates, e.g. for Traffic condition pinning on the PalKeeper app, chatter pinning inputs whether using preset templates or custom chatter, in private or public mode, are considered User Content and are governed by this Agreement. i) PalKeeper chatter are programmed to reset/disappear after a predetermined duration. ii) Though chatter may disappear from the app interface, we may keep your chatter activities in our archives for our records no later than 90 days from the day they are generated in case of situation arising that may require us to provide your activities for legal purposes. iii) Preset chatter templates are only suggestions. PalKeeper shall have no liability for any of your chattering or for any claims for personal endangerment or economic loss resulting from such chattering. iv) You agree that: (1) you will base your chatter pinning on actual experience at the time of pinning; (2) you will not pin deceptive or misleading chattering for any reason including in exchange for payment, or other benefits from any person or entity. (3) your chatter pinning will comply with the terms of this Agreement. 4) If we determine, in our sole discretion, that any chatter could diminish the integrity of our service or violates this Agreement, we may deactivate your account without notice. i) Removal of Content By You: You may remove your Content from the Service at any time. You must remove your Content if you no longer have the rights required by these terms. Once you remove a Content, the content will be permanently deleted and you will not be able to retrieve that Content again. j) Removal of Content By Us: (i) We shall PERMANENTLY DELETE and remove certain USER GENERATED CONTENTS after 90 DAYS from when it was created to refresh our servers and data storage systems and allow for smooth and outstanding services. (ii) If we reasonably believe that any Content is in breach of this Agreement or may cause harm to us and/or our service, our users, or third parties, we may remove or take down that Content in our discretion immediately. Such removed Content may be archived on our system for as long as possible before being completely removed permanently from our archives. We will notify you with the reason for our action unless we reasonably believe that to do so: (a) would breach the law or the direction of a legal enforcement authority or would otherwise risk legal liability for Us or our Affiliates; (b) would compromise an investigation or the integrity or operation of the Service; or (c) would cause harm to any user, other third party, Us or our Affiliates. See our Troubleshooting page for more about reporting and enforcement, including how to appeal a removal by us. 5. Communications with PalKeeper By creating a PalKeeper account through any of our services, you electronically agree to accept and receive communications from PalKeeper, or third parties providing services to PalKeeper including via email, text message, calls, and push notifications to the cellular telephone number and email address provided to PalKeeper. You understand and agree that you may receive communications generated by automatic telephone dialing systems and/or which will deliver prerecorded messages sent by or on behalf of PalKeeper , its affiliated companies and/or Contractor, including but not limited to communications concerning your account on the Services. Message and data rates may apply. If you do not wish to receive promotional emails, text messages, or other communications, you may change your notification preferences by accessing the Settings in your account. You may also opt-out of receiving text messages from PalKeeper by replying ”STOP” from the mobile device receiving the messages. 6. Rules and prohibitions By using the Services, you agree that:

(a) You will only use the Services in accordance with all applicable laws, including copyrights, trade secrets, or other rights of any third party, including privacy or publicity rights. (b) You will not use another User’s account, impersonate any person or entity, or forge or manipulate headers or identifiers to disguise the origin of any content transmitted through the Services. (c) You will not use the Services to cause nuisance, annoyance or inconvenience. (d) You will keep secure and confidential your account password or any identification credentials we provide you which allows access to the Services. (e) You will not use the Services in any way that could damage, disable, overburden or impair any PalKeeper server, or the networks connected to any PalKeeper server. (f) You will not attempt to gain unauthorized access to the Services and/or to any account, resource, computer system, and/or network connected to any PalKeeper server. (g) You will not probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures PalKeeper may use to prevent or restrict access to the Services or use of the Services or the content therein. (h) You will not deep-link to the PalKeeper website or access the PalKeeper website manually or with any robot, spider, web crawler, extraction mobile application, automated process and/or device to scrape, copy, index, frame, or monitor any portion of the PalKeeper website or any content on the PalKeeper website. (i) You will not conduct any systematic retrieval of data or other content from the Services. (j) You will not try to harm other Users, PalKeeper , or the Services in any way whatsoever. (k) You will report any errors, bugs, unauthorized access methodologies or any breach of our intellectual property rights that you uncover in your use of the Services. (l) You will not attempt to undertake any of the foregoing. 7. Billing and Payments (A) General Fees And Taxes – You are responsible for all carrier data plans, Internet fees, and other fees and taxes associated with your use of our Services. You shall pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. Where Services are offered on a free trial basis, payment may be required after the free trial period ends, and not when you enter your billing details (which may be required prior to the commencement of the free trial period). If auto-renewal is enabled for the Services you have subscribed for, you will be charged automatically in accordance with the term you selected. If, in our judgment, your purchase constitutes a high-risk transaction, we will require you to provide us with a copy of your valid government-issued photo identification, and possibly a copy of a recent bank statement for the credit or debit card used for the purchase. We reserve the right to change products and product pricing at any time. We also reserve the right to refuse any order you place with us. (B) Trial or Promotional Subscriptions – From time to time, PalKeeper offers some existing users trial of Premium Service features or other promotional subscriptions to new users. Such trial or promotional subscriptions are subject to these Terms and the PalKeeper Terms of Promotions except as otherwise stated in the promotional offer. When your free trial period has expired, your subscription will automatically convert into a Premium Service subscription, and PalKeeper will bill you the applicable fee. If you cancel your Premium Service subscription before the trial period has expired, PalKeeper will not charge you for the Premium Service subscription. If you purchase a Premium Service subscription with a promotional code, each time your Premium Service subscription renews, you will be charged the full billing amount. Only one trial or promotional subscription is available to each User. If your account is ever terminated for any reason, you shall not be eligible for a free trial on any subsequent Premium Service subscription or any of PalKeeper services. (C) Premium Subscriptions – Premium is an automatically renewing subscription requiring recurring payments. Our Premium Service is offered for a monthly or yearly fee payable at the start of the relevant period. By signing up for the Premium Service and providing PalKeeper with your payment account information, you agree that: (a) you will be charged your first Premium subscription fee and any applicable taxes on the date you purchase your Premium subscription; (b) you authorize PalKeeper and its service providers to store your payment method for the purpose of executing future Premium auto-renewal transactions; (c) UNLESS YOU CANCEL, BY DEFAULT (AND WITH PRIOR NOTICE TO THE EXTENT REQUIRED BY APPLICABLE LAW), YOUR PREMIUM SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF THE THEN-CURRENT SUBSCRIPTION PERIOD, and (d) AT THE TIME OF RENEWAL, PALKEEPER WILL AUTOMATICALLY CHARGE THE THEN-CURRENT PREMIUM SERVICE SUBSCRIPTION FEE AND ANY APPLICABLE TAXES TO AN ELIGIBLE PAYMENT METHOD THAT WE HAVE ON FILE FOR YOU. IF YOUR PAYMENT DETAILS CHANGE, YOUR CARD PROVIDER MAY PROVIDE US WITH UPDATED CARD DETAILS. WE MAY USE THESE NEW DETAILS IN ORDER TO HELP PREVENT ANY INTERRUPTION TO YOUR PREMIUM SUBSCRIPTION. If you would like to use a different payment method or if there is a change in payment method, please update your billing information. (D) No Refunds – Charges paid by you for the Services are final and non-refundable. PalKeeper has no obligation to provide refunds or credits, but may grant them, in each case in PalKeeper ’s sole discretion. (E) Cancellations – You can cancel your Premium Service subscription at any time on the google play store or Apple app store. Instructions on how to cancel are available here. You must cancel at least one (1) day before the next-scheduled subscription renewal date to avoid being charged for the next subscription period (e.g., if renewal date is May 6, you must cancel by 11:59:59 pm PT on May 5) – If you participated in a free trial or other promotional subscription period for PalKeeper Premium Service, you may cancel within the first 72 hours of your paid PalKeeper Premium Service subscription and receive a full refund of your PalKeeper Premium Service fee (as applicable). – For monthly subscribers, if you cancel your PalKeeper Premium Service within the first 72 hours during the paid monthly period, PalKeeper may refund your Premium Service fee in its sole discretion. For annual subscribers, if you cancel your PalKeeper Premium Service within thirty (30) days of your yearly Premium Service subscription period, PalKeeper may refund your paid annual Premium Service subscription fee in its sole discretion. – If you cancel your PalKeeper Premium Service at any other time, you will not receive a refund, but you can continue to enjoy the Premium Service features through the end of your then-current subscription period. (F) Updates and Changes – The PalKeeper Premium Service prices and features may change in the future. If PalKeeper changes the monthly or annual fee charged for a PalKeeper Premium Service, PalKeeper will notify you and provide you with the opportunity to change your subscription before PalKeeper Premium Service is renewed for another subscription term. Your continued use of the Services after the change becomes effective will constitute your acceptance of the fee change. If you do not wish to continue subscribing with the new fees, you may cancel your PalKeeper Premium Service within the specified notice period. Any PalKeeper Premium Services will be subject to the terms and conditions in effect at the time you sign up or your subscription renews. PalKeeper may also make such changes with respect to current PalKeeper Premium Services. In that case, PalKeeper will provide you with notice via email of the changes and when those changes will take effect. If you disagree with the changes to your current PalKeeper Premium Service terms and conditions, you may cancel your PalKeeper Premium Service and receive a refund of your subscription fee on a pro rata basis calculated from the end of the month during which you cancel the subscription. (G) No Transfer or Assignments & Cancellations by PalKeeper – Your PalKeeper Premium Service cannot be transferred or assigned. PalKeeper reserves the right to accept, refuse, suspend, or cancel your PalKeeper Premium Service at any time in its sole discretion. If PalKeeper cancels your PalKeeper Premium Service, you will receive a refund of your subscription fee on a pro rata basis calculated from the end of the month during which your subscription was cancelled, unless PalKeeper terminates your account or your PalKeeper Premium Service because we determine, in our sole discretion, that your actions or your use of the Services violates this Agreement or has harmed another User. 8. Accuracy of information Occasionally there may be information in the PalKeeper services: on the websites at www.palkeeper.com, www.palkeepers.com, or PalKeeper Mobile Applications that contains typographical errors, inaccuracies or omissions that may relate to service descriptions, pricing, availability, promotions and offers. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information if any information in the Mobile Application or on any related Service is inaccurate at any time without prior notice. We undertake no obligation to update, amend or clarify information in the Mobile Application including, without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Mobile Application should be taken to indicate that all information in the Mobile Application or on any related Service has been modified or updated. 9. Advertisement Depending on your account subscription type (basic subscription - free or premium - paid subscription), during use of any of the PalKeeper services, you may be shown advertisements from Third-Party services or other promotional materials on the Service. You may enter into correspondence with or participate in promotions of advertisers or sponsors showing their goods or services through our website or Mobile Application. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable Third-Party. We shall have no liability, obligation or responsibility for any such correspondence, purchase or promotion between you and any such third party. PalKeeper does not review, approve, monitor, endorse, warrant, or make any representations with respect to such Third-Party Websites & Advertisements, or their products or services. You use all links in Third-Party Websites & Advertisements at your own risk. PalKeeper is not responsible for any Third-Party Websites, Third-Party Applications or any Third-Party Advertisements. You should review applicable terms and policies, including privacy and data gathering practices of any Third-Party Websites or Third-Party Applications, and make whatever investigation you deem necessary or appropriate before proceeding with any transaction with any third party. 10. Links to third-party services (a) General – Although this Mobile Application may link to other mobile applications, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked service or mobile application, unless specifically stated herein. Some of the links in the Mobile Application may be ”affiliate links”. This means if you click on the link and purchase an item, PalKeeper Ltd. will receive an affiliate commission. We are not responsible for examining or evaluating, and we do not warrant the offerings of, any businesses or individuals or the content of their mobile applications. We do not assume any responsibility or liability for the actions, products, services, and content of any third parties. You should carefully review the legal statements and other conditions of use of any service or mobile application which you access through a link from any of our services. Your linking to any other off-site mobile applications is at your own risk. (b) Third-Party Websites, Applications and Advertisements – The Services may contain links to third-party websites (”Third-Party Websites”) and applications (”Third-Party Applications”) and advertisements (”Third-Party Advertisements”) (collectively, ”Third-Party Websites & Advertisements”). When you click on a link to a Third-Party Website, Third-Party Application or Third-Party Advertisement, PalKeeper will not warn you that you have left PalKeeper ’s Website or Services and will not warn you that you are subject to the terms and conditions (including privacy policies) of another website or destination. Such Third-Party Websites & Advertisements are not under the control of PalKeeper . (c) App Stores – You acknowledge and agree that the availability of the Application is dependent on the third party from which you received the Application license, e.g., the Apple iPhone or Android app stores (”App Store”). You acknowledge and agree that this Agreement is between you and PalKeeper and not with the App Store. PalKeeper, not the App Store, is solely responsible for the Mobile Application and the Services, including the Application and the Services, the content thereof, maintenance, support services and warranty thereof, and addressing any claims relating thereto (e.g., product liability, legal compliance or intellectual property infringement). In order to use the Application, you must have access to a wireless network, and you agree to pay all fees associated with such access. You also agree to pay all fees (if any) charged by the App Store in connection with the Application or the Services. You agree to comply with, and your license to use the Application is conditioned upon your compliance with, all applicable third-party terms of agreement (e.g., the App Store’s terms and policies) when using the Application. You acknowledge and agree that each App Store (and its affiliates) is an intended third-party beneficiary of this Agreement and has the right to enforce the terms and conditions of this Agreement. 11. Backups We perform regular backups of the Content, however, these backups are for our own administrative purposes only and are in no way guaranteed. You are responsible for maintaining your own backups of your data. We do not provide any sort of compensation for lost or incomplete data in the event that backups do not function properly. We will do our best to ensure complete and accurate backups, but assume no responsibility for this duty. 12. Prohibited uses In addition to other terms as set forth in the Agreement, you are prohibited from using the Mobile Application or its Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related mobile application, other mobile applications, or the Internet; (h) to spam, phish, pharm, pretext, spider, crawl, or scrape; (i) for any obscene or immoral purpose; or (j) to interfere with or circumvent the security features of the Service or any related mobile application, other mobile applications, or the Internet. We reserve the right to terminate your use of the Service or any related mobile application for violating any of the prohibited uses. 13. Termination If you violate this Agreement, PalKeeper may respond based on a number of factors including, but not limited to, the egregiousness of your actions and whether a pattern of harmful behavior exists. In addition, at its sole discretion, PalKeeper may modify or discontinue the Mobile Application or Service, or may modify, suspend or terminate your access to the Mobile Application or the Services, for any reason, with or without notice to you and without liability to you or any third party. In addition to suspending or terminating your access to the Mobile Application or the Service, PalKeeper reserves the right to take appropriate legal action, including without limitation: pursuing civil, criminal or injunctive redress. Even after your right to use the Mobile Application or the Services is terminated, this Agreement will remain enforceable against you. All provisions which by their nature should survive to give effect to those provisions shall survive the termination of this Agreement. 14. Intellectual property rights ”Intellectual Property Rights” means all present and future rights conferred by statute, common law or equity in or in relation to any copyright and related rights, trademarks, designs, patents, inventions, goodwill and the right to sue for passing off, rights to inventions, rights to use, and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, rights to claim priority from, such rights and all similar or equivalent rights or forms of protection and any other results of intellectual activity which subsist or will subsist now or in the future in any part of the world. This Agreement is not a sale and does not convey to you any rights of ownership in or related to the Mobile Application or the Services, or any intellectual property rights owned by PalKeeper Ltd. including but not limited to PalKeeper website; PalKeeper Mobile Application and logo; and the product names associated with the PalKeeper and Services are trademarks of PalKeeper Ltd. or third parties, and no right or license is granted to use them. You agree that you will not remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Mobile Application or the Services. PalKeeper alone (and its licensors, where applicable) shall own all rights, titles and interests, including all related intellectual property rights, in and to the Mobile Application and the Services. This Agreement does not transfer to you any intellectual property owned by PalKeeper Ltd. or third parties, and all rights, titles, and interests in and to such property will remain (as between the parties) solely with PalKeeper Ltd. All trademarks, service marks, graphics and logos used in connection with the Mobile Application or Services, are trademarks or registered trademarks of PalKeeper Ltd. or PalKeeper Ltd. licensors. Other trademarks, service marks, graphics and logos used in connection with the Mobile Application or Services may be the trademarks of other third parties. Your use of the Mobile Application and Services grants you no right or license to reproduce or otherwise use any PalKeeper Ltd. or third-party trademarks. 15. Disclaimer of Warranty YOU EXPRESSLY UNDERSTAND AND AGREE that such Service is provided on an ”as is” and ”as available” basis and that your use of our Services is solely at your own risk. CHANGES ARE PERIODICALLY MADE TO THE MOBILE APPLICATION AND SERVICES AND MAY BE MADE AT ANY TIME WITHOUT NOTICE TO YOU. We expressly disclaim 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. We make no warranty that the Services will be accurate, meet your requirements, or that the Service will be uninterrupted, timely, secure, or error-free; nor do we make any warranty as to the results that may be obtained from the use of the Service or as to the reliability of any information obtained through the Service or that defects in the Service will be corrected. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of Service is done at your own discretion and risk and that you will be solely responsible for any damage or loss of data that results from the download of such material and/or data. We make no warranty regarding any goods or services purchased or obtained through the Service or any transactions entered into through the Service. No advice or information, whether oral or written, obtained by you from us or through the Service shall create any warranty not expressly made herein. PalKeeper DOES NOT WARRANT THAT THE MOBILE APPLICATION OR SERVICES WILL OPERATE ERROR-FREE OR THAT THE MOBILE APPLICATION OR SERVICES ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL MALWARE. IF YOUR USE OF THE MOBILE APPLICATION OR SERVICES RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, PalKeeper SHALL NOT BE RESPONSIBLE FOR THOSE ECONOMIC COSTS. 16. Breach and limitation of liability To the fullest extent permitted by applicable law, in no event will PalKeeper Ltd., its affiliates, directors, officers, employees, agents, or licensors be liable to any person for any indirect, incidental, special, punitive, cover or consequential damages (including, without limitation, damages for lost profits, revenue, sales, goodwill, use of content, impact on business, business interruption, loss of anticipated savings, loss of business opportunity) however caused, under any theory of liability, including, without limitation, contract, tort, warranty, breach of statutory duty, negligence or otherwise, even if the liable party has been advised as to the possibility of such damages or could have foreseen such damages. To the maximum extent permitted by applicable law, the aggregate liability of PalKeeper Ltd. and its affiliates, officers, employees, agents, suppliers and licensors relating to the services will be limited to an amount greater of one naira or any amounts actually paid in cash by you to PalKeeper Ltd. for the prior one month period prior to the first event or occurrence giving rise to such liability. The limitations and exclusions also apply if this remedy does not fully compensate you for any losses or fails of its essential purpose. TO THE FULLEST EXTENT OF LAW PalKeeper SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES OF ANY TYPE OR KIND (INCLUDING PERSONAL INJURY, LOST PROFITS, PAIN AND SUFFERING, EMOTIONAL DISTRESS, AND LOSS OF DATA, REVENUE, USE AND ECONOMIC ADVANTAGE). 17. Indemnification You agree to indemnify and hold harmless PalKeeper and its officers, directors, employees, agents and affiliates (each, an ”Indemnified Party”), from and against any losses, claims, actions, costs, damages, penalties, fines and expenses, including without limitation attorneys’ fees and expenses, that may be incurred by an Indemnified Party arising out of, relating to or resulting from (a) your User Content; (b) your misuse of the Mobile Application or Services; (c) your breach of this Agreement or any representation, warranty or covenant in this Agreement; or (d) your violation of any applicable laws, rules or regulations through or related to the use of the Mobile Application or Services. In the event of any claim, allegation, suit or proceeding alleging any matter potentially covered by the agreements in this section, you agree to pay for the defense of the Indemnified Party, including reasonable costs and attorneys’ fees incurred by the Indemnified Party. PalKeeper reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with PalKeeper in asserting any available defenses. This provision does not require you to indemnify any Indemnified Party for any unconscionable commercial practice by such party, or for such party’s negligence, fraud, deception, false promise, misrepresentation or concealment, suppression or omission of any material fact in connection with the Mobile Application or Services. You agree that the provisions in this section will survive any termination of your account, this Agreement, or your access to the Mobile Application and/or Services. 18. Severability All rights and restrictions contained in this Agreement may be exercised and shall be applicable and binding only to the extent that they do not violate any applicable laws and are intended to be limited to the extent necessary so that they will not render this Agreement illegal, invalid or unenforceable. If any provision or portion of any provision of this Agreement shall be held to be illegal, invalid or unenforceable by a court of competent jurisdiction, it is the intention of the parties that the remaining provisions or portions thereof shall constitute their agreement with respect to the subject matter hereof, and all such remaining provisions or portions thereof shall remain in full force and effect. 19. Dispute resolution The formation, interpretation, and performance of this Agreement and any disputes arising out of it shall be governed by the substantive and procedural laws of the Federal Republic of Nigeria, without regard to its rules on conflicts or choice of law and, to the extent applicable, the laws of ECOWAS. The exclusive jurisdiction and venue for actions related to the subject matter hereof shall be the courts located in Akwa Ibom State, Nigeria, and you hereby submit to the personal jurisdiction of such courts. You hereby waive any right to a jury trial in any proceeding arising out of or related to this Agreement. The United Nations Convention on Contracts for the International Sale of Goods does not apply to this Agreement. 20. Assignment You may not assign, resell, sub-license or otherwise transfer or delegate any of your rights or obligations hereunder, in whole or in part, without our prior written consent, which consent shall be at our own sole discretion and without obligation; any such assignment or transfer shall be null and void. We are free to assign any of its rights or obligations hereunder, in whole or in part, to any third party as part of the sale of all or substantially all of its assets or stock or as part of a merger. 21. Changes and amendments We reserve the right to modify this Agreement or its policies relating to the Mobile Application or Services at any time, effective upon posting of an updated version of this Agreement in the Mobile Application. When we do, we will post a notification in our Mobile Application. Continued use of the Mobile Application after any such changes shall constitute your consent to such changes. 22. Modifications PalKeeper reserves the right to modify the terms and conditions of this Agreement or its policies relating to the Mobile Application or Services at any time, effective upon posting of an updated version of this Agreement through the Services. We will notify you of changes to this agreement. If you do not agree to the new terms, you must deactivate your account immediately and you will not be bound by the amended terms. Otherwise, your continued use of the Services after the new amended terms constitutes your agreement to such changes. 23. Additional Terms and Policies By using the Services, you agree to be bound by this Agreement and acknowledge and agree to the collection, use, and disclosure of your personal information in accordance with PalKeeper ’s Privacy Policy, which is incorporated in this Agreement by reference. Certain features of our Services may be subject to additional terms and conditions, which are incorporated herein by reference. 24. Acceptance of These Terms You acknowledge that you have read this Agreement and agree to all its terms and conditions. By using the Mobile Application or its Services you agree to be bound by this Agreement. IF YOU DO NOT AGREE TO ABIDE BY THE TERMS OF THIS AGREEMENT, YOU ARE NOT AUTHORIZED TO USE OR ACCESS THE MOBILE APPLICATION AND ITS SERVICES. 25. Contacting us If you would like to contact us to understand more about this Agreement or wish to contact us concerning any matter relating to it, you may do so via: The contact form Send an email to info@PalKeeper.com Telephone Number: +234Do not use any of our services without reading the following Terms and Conditions of services and our Privacy Policy. This disclaimer ("Disclaimer", "Agreement") is an agreement between PalKeeper Ltd ("PalKeeper Ltd", "us", "we" or "our") and you ("User", "you" or "your"). This Disclaimer sets forth the general guidelines, terms and conditions of your use of the PalKeeper mobile application and any of its products or services (collectively, "Mobile Application" or "Services"). Representation Any views or opinions represented in the Mobile Application belong solely to the Content creators and do not represent those of people, institutions or organizations that PalKeeper Ltd or creators may or may not be associated with in professional or personal capacity, unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual. Content and postings You may not modify, print or copy any part of the Mobile Application. Inclusion of any part of this Mobile Application in another work, whether in printed or electronic or another form or inclusion of any part of the Mobile Application in another mobile application by embedding, framing or otherwise without the express permission of PalKeeper Ltd is prohibited You may submit content in the Mobile Application. By uploading or otherwise making available any information to PalKeeper Ltd, you grant PalKeeper Ltd the unlimited, perpetual right to distribute, display, publish, reproduce, reuse and copy the information contained therein. You may not impersonate any other person through the Mobile Application. You may not post content that is defamatory, fraudulent, obscene, threatening, invasive of another person's privacy rights or that is otherwise unlawful. You may not post content that infringes on the intellectual property rights of any other person or entity. You may not post any content that includes any computer virus or other code designed to disrupt, damage, or limit the functioning of any computer software or hardware. Compensation and sponsorship The PalKeeper Services accepts forms of advertising, sponsorship, paid insertions or other forms of compensation. PalKeeper Ltd is compensated to provide opinion on products, services, websites and various other topics. The compensation received may influence the advertising content, topics or posts made in the Mobile Application. Sponsored content, advertising space or post will always be identified as such. Some of the links in the Mobile Application may be "affiliate links". This means if you click on the link and purchase an item, PalKeeper Ltd will receive an affiliate commission. Not legal advice Representation The information provided in the Mobile Application is for general information purposes only and is not an alternative to legal advice from your lawyer, other professional services provider, or expert. It is not intended to provide legal advice or opinions of any kind. You should not act, or refrain from acting, based solely upon the information provided in the Mobile Application without first seeking appropriate legal or other professional advice. If you have any specific questions about any legal matter, you should consult your lawyer, other professional services provider, or expert. You should never delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action because of the information in the Mobile Application. The information in the Mobile Application is provided for your convenience only. This information may have no evidentiary value and should be checked against official sources before it is used for any purposes. It is your responsibility to determine whether this information is admissible in a given judicial or administrative proceeding and whether there are any other evidentiary or filing requirements. Your use of this information is at your own risk. Representation Testimonials are received in various forms through a variety of submission methods. The testimonials are not necessarily representative of all of those who will use our products or services. PalKeeper Ltd is not responsible for the opinions or comments posted in the Mobile Application or any of its services, and does not necessarily share them. All opinions expressed are strictly the views of the poster or reviewer. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. Testimonials may be reviewed for authenticity before they are posted for public viewing. ​ Indemnification and warranties While we have made every attempt to ensure that the information contained in the PalKeeper Services is correct. PalKeeper Ltd is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information and Services in the Mobile Application are provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information or Services, and without warranty of any kind, express or implied. In no event will PalKeeper Ltd, or its partners, employees or agents, be liable to you or anyone else for any decision made or action taken in reliance on the information in the Mobile Application or Services, or for any consequential, special or similar damages, even if advised of the possibility of such damages. Furthermore, information contained in the Mobile Application and any pages linked to and from it are subject to change at any time and without warning. We reserve the right to modify this Disclaimer relating to the Mobile Application, products or services at any time, effective upon posting of an updated version of this Disclaimer in the Mobile Application. When we do we will post a notification in our Mobile Application. Continued use of the Mobile Application, products or services after any such changes shall constitute your consent to such changes. Acceptance of this disclaimer You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing the Mobile Application or the Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to use or access the Mobile Application or the Service. ​ Contacting us ​ If you would like to contact us to understand more about this Disclaimer or wish to contact us concerning any matter relating to it, you may do so via: The contact form, send an email to support@palkeeper.com or write a letter to: This privacy policy ("Policy") describes PalKeeper Ltd(“PalKeeper Ltd”, "we", "us" or "our") collects, protects and uses the personally identifiable information ("Personal Information") you ("User", "you" or "your") may provide in the PalKeeper mobile application and any of its products or services (collectively, "Mobile Application" or "Services").It also describes the choices available to you regarding our use of your Personal Information and how you can access and update this information. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage. Automatic collection of information When you open the Mobile Application our servers automatically record information that your device sends. This data may include information such as your device's IP address and location, device name and version, operating system type and version, language preferences, information you search for in our Mobile Application, access times and dates, and other statistics.Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding Mobile Application traffic and usage. This statistical information is not otherwise aggregated in such a way that would identify any particular user of the system. Collection of personal information You can use the Mobile Application without telling us who you are or revealing any information by which someone could identify you as a

PalKeeper Finance Referral Program - Terms and Conditions Last updated: Feb 19, 2024 Introduction

Get rewarded when you join people around enjoying PalKeeper services.

These terms and conditions apply to any participant in the PalKeeper Referral Program, whether as a referrer or a referee.

PalKeeper may offer referral programs or incentives for inviting others to use its services (a “Referral Program”). Any bonuses or incentives under such Referral Program shall be subject to the then current Referral Program terms, if applicable, and otherwise at our sole discretion.

By participating in PalKeeper referral promotion (the "Program"), you agree to the following terms and conditions ("Terms"). PalKeeper may at any time and in its sole discretion, without prior notice, terminate, cancel, suspend or modify the Program or these terms. If you are the person inviting friends to participate, you are a "referrer" under these terms, and if you are a person who receives an invitation, you are a "referee."

1. Referral Bonus Eligibility

You may participate in this Program as a referrer until the Program is terminated or modified by PalKeeper. If you refer a referee prior to PalKeeper’s termination or modification of the program, you and such referees will still be eligible to earn the reward described below even if the referee does not fulfill the Reward Criteria (defined below) before such termination or modification. To be eligible to earn rewards through the Program, each referrer and referee must have (or sign up for, in the case of referees) a PalKeeper account in good standing (“Valid Account”) at the time of participation through when his/her reward(s) are issued.

2. Referral Method

A referrer may select to refer a referee by sending them his/her unique referral code generated by the PalKeeper app through email, text message or social post to include in the required field during sign up. Alternatively, a referrer may refer a referee by sending them an email, text, or social post that includes a link to participate in the Program, as provided by PalKeeper (“Invitation”).

Ensure to include your unique referral bonus code if you elect to publish or distribute the invitation link when referring.

3. Reward Criteria

Each referee must complete all the following steps (“Reward Criteria In-App”):

Sign up for a PalKeeper account with a valid email and phone number for the first time.

To be eligible, the referee's phone number or email used to sign up cannot be associated with an existing PalKeeper account. To validate and complete a new account registration an account verification must be completed subject to the PalKeeper User Agreement; and

The referee (person being referred) must complete the registration process by verifying his/her account email address or phone number (as required by the PalKeeper app).

Limits on Referrals: There is currently no limit regarding how many new referrals a user can invite.

If two or more referrers invite the same referee, PalKeeper will credit the reward to the person whose unique referral code was used by the referee during sign up.

If the Program is discontinued, PalKeeper shall disable the field requiring referral code at sign up.

Reward: You are eligible to receive a cashback point to the value of 50.00 (“Reward point”) for each Successful Referral you make. Each new user that is the result of a Successful Referral will also be eligible to receive a cashback point to the value of 50.00 Reward point.

Reward points by countries: Nigerian accounts: 50 points = N50 (NGN) USA accounts: 50 points = $10 (USD) Canadian accounts: 50 points = $12 (CAD) U.K accounts: 50 points = £5.00

Reward points will be credited to your valid PalKeeper account wallet within a week but may take up to two weeks.

Receiving and Using Rewards PalKeeper reserves the right to limit, cancel, delay, or revoke a reward if PalKeeper determines, in its sole discretion, that an Eligible Participant has violated these Terms or the PalKeeper User Agreement or has acted in a fraudulent or abusive manner, or if PalKeeper restricts or closes their Valid Account pursuant to the PalKeeper User Agreement. PalKeeper may provide an alternate reward of equal value if it is unable for any reason to fulfill the reward. Reward redemptions are final, will not be returned, and are subject to review and verification. PalKeeper is not responsible and/or liable if any email, reward, referrals, or Program-related materials or correspondence are lost, fraudulent, abusive, stolen, late, incomplete, illegible, interrupted, delayed, altered, defective, misdirected, tampered with, or irregular in any way or if any participant’s e-mail address, Valid Account, or other contact information does not work, is deleted, or is changed without participant giving prior written notice to PalKeeper. Program is void where prohibited or if Eligible Participant’s accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these Terms, or irregular in any way. Governing Law: This Promotion is governed by Ohio law. By entering, entrants agree to be bound by these terms and conditions and the PalKeeper User Agreement. Any questions relating to the offer will be resolved in PalKeeper’s sole discretion and its decisions related to the offer will be final and binding.

Since our Services offer non-tangible, irrevocable goods we do not provide refunds after the product is purchased, which you acknowledge prior to purchasing any product on our Services. You may however sign up for a free fully functioning 90 day trial and try the service before making a purchase. Contacting us If you would like to contact us concerning any matter relating to this Refund Policy, you may do so via: The contact form or Send an email to support@palkeepers.com or write a letter to

This disclaimer ("Disclaimer", "Agreement") is an agreement between PalKeeper Ltd ("PalKeeper Ltd", "us", "we" or "our") and you ("User", "you" or "your"). This Disclaimer sets forth the general guidelines, terms and conditions of your use of the PalKeeper mobile application and any of its products or services (collectively, "Mobile Application" or "Services"). Representation Any views or opinions represented in the Mobile Application belong solely to the Content creators and do not represent those of people, institutions or organizations that PalKeeper Ltd or creators may or may not be associated with in professional or personal capacity, unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual. Content and postings You may not modify, print or copy any part of the Mobile Application. Inclusion of any part of this Mobile Application in another work, whether in printed or electronic or another form or inclusion of any part of the Mobile Application in another mobile application by embedding, framing or otherwise without the express permission of PalKeeper Ltd is prohibited You may submit content in the Mobile Application. By uploading or otherwise making available any information to PalKeeper Ltd, you grant PalKeeper Ltd the unlimited, perpetual right to distribute, display, publish, reproduce, reuse and copy the information contained therein. You may not impersonate any other person through the Mobile Application. You may not post content that is defamatory, fraudulent, obscene, threatening, invasive of another person's privacy rights or that is otherwise unlawful. You may not post content that infringes on the intellectual property rights of any other person or entity. You may not post any content that includes any computer virus or other code designed to disrupt, damage, or limit the functioning of any computer software or hardware. Compensation and sponsorship The PalKeeper Services accepts forms of advertising, sponsorship, paid insertions or other forms of compensation. PalKeeper Ltd is compensated to provide opinion on products, services, websites and various other topics. The compensation received may influence the advertising content, topics or posts made in the Mobile Application. Sponsored content, advertising space or post will always be identified as such. Some of the links in the Mobile Application may be "affiliate links". This means if you click on the link and purchase an item, PalKeeper Ltd will receive an affiliate commission. Not legal advice Representation The information provided in the Mobile Application is for general information purposes only and is not an alternative to legal advice from your lawyer, other professional services provider, or expert. It is not intended to provide legal advice or opinions of any kind. You should not act, or refrain from acting, based solely upon the information provided in the Mobile Application without first seeking appropriate legal or other professional advice. If you have any specific questions about any legal matter, you should consult your lawyer, other professional services provider, or expert. You should never delay seeking legal advice, disregard legal advice, or commence or discontinue any legal action because of the information in the Mobile Application. The information in the Mobile Application is provided for your convenience only. This information may have no evidentiary value and should be checked against official sources before it is used for any purposes. It is your responsibility to determine whether this information is admissible in a given judicial or administrative proceeding and whether there are any other evidentiary or filing requirements. Your use of this information is at your own risk. Representation Testimonials are received in various forms through a variety of submission methods. The testimonials are not necessarily representative of all of those who will use our products or services. PalKeeper Ltd is not responsible for the opinions or comments posted in the Mobile Application or any of its services, and does not necessarily share them. All opinions expressed are strictly the views of the poster or reviewer. The testimonials displayed are given verbatim except for grammatical or typing error corrections. Some testimonials may have been edited for clarity, or shortened in cases where the original testimonial included extraneous information of no relevance to the general public. Testimonials may be reviewed for authenticity before they are posted for public viewing. ​ Indemnification and warranties While we have made every attempt to ensure that the information contained in the PalKeeper Services is correct. PalKeeper Ltd is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information and Services in the Mobile Application are provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information or Services, and without warranty of any kind, express or implied. In no event will PalKeeper Ltd, or its partners, employees or agents, be liable to you or anyone else for any decision made or action taken in reliance on the information in the Mobile Application or Services, or for any consequential, special or similar damages, even if advised of the possibility of such damages. Furthermore, information contained in the Mobile Application and any pages linked to and from it are subject to change at any time and without warning. We reserve the right to modify this Disclaimer relating to the Mobile Application, products or services at any time, effective upon posting of an updated version of this Disclaimer in the Mobile Application. When we do we will post a notification in our Mobile Application. Continued use of the Mobile Application, products or services after any such changes shall constitute your consent to such changes. Acceptance of this disclaimer You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing the Mobile Application or the Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to use or access the Mobile Application or the Service. ​ Contacting us ​ If you would like to contact us to understand more about this Disclaimer or wish to contact us concerning any matter relating to it, you may do so via: The contact form, send an email to support@palkeeper.com or write a letter to: This privacy policy ("Policy") describes PalKeeper Ltd(“PalKeeper Ltd”, "we", "us" or "our") collects, protects and uses the personally identifiable information ("Personal Information") you ("User", "you" or "your") may provide in the PalKeeper mobile application and any of its products or services (collectively, "Mobile Application" or "Services").It also describes the choices available to you regarding our use of your Personal Information and how you can access and update this information. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage. Automatic collection of information When you open the Mobile Application our servers automatically record information that your device sends. This data may include information such as your device's IP address and location, device name and version, operating system type and version, language preferences, information you search for in our Mobile Application, access times and dates, and other statistics.Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding Mobile Application traffic and usage. This statistical information is not otherwise aggregated in such a way that would identify any particular user of the system. Collection of personal information You can use the Mobile Application without telling us who you are or revealing any information by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the Mobile Application's features, you may be asked to provide certain Personal Information (for example, your name and e-mail address). We receive and store any information you knowingly provide to us when you create an account, publish content, or fill any online forms in the Mobile Application. When required, this information may include the following: Personal details such as name, country of residence, etc. Contact information such as email address, phone number etc. Geolocation data of the mobile device such as latitude and longitude. Certain features on the mobile device such as contacts, calendar, gallery, etc. Any other materials you willingly submit to us such as articles, images, feedback, etc. . You can choose not to provide us with your Personal Information, but then you may not be able to take advantage of some of the Mobile Application's features. Users who are uncertain about what information is mandatory are welcome to contact us. Use and process of collected information In order to make our Mobile Application and Services available to you, or to meet a legal obligation, we need to collect and use certain Personal Information. If you do not provide the information that we request, we may not be able to provide you with the requested products or services. Some of the information we collect is directly from you via our Mobile Application. However, we may also collect Personal Information about you

This privacy policy ("Policy") describes PalKeeper Ltd(“PalKeeper Ltd”, "we", "us" or "our") collects, protects and uses the personally identifiable information ("Personal Information") you ("User", "you" or "your") may provide in the PalKeeper mobile application and any of its products or services (collectively, "Mobile Application" or "Services").It also describes the choices available to you regarding our use of your Personal Information and how you can access and update this information. This Policy does not apply to the practices of companies that we do not own or control, or to individuals that we do not employ or manage. Automatic collection of information When you open the Mobile Application our servers automatically record information that your device sends. This data may include information such as your device's IP address and location, device name and version, operating system type and version, language preferences, information you search for in our Mobile Application, access times and dates, and other statistics.Information collected automatically is used only to identify potential cases of abuse and establish statistical information regarding Mobile Application traffic and usage. This statistical information is not otherwise aggregated in such a way that would identify any particular user of the system. Collection of personal information You can use the Mobile Application without telling us who you are or revealing any information by which someone could identify you as a specific, identifiable individual. If, however, you wish to use some of the Mobile Application's features, you may be asked to provide certain Personal Information (for example, your name and e-mail address). We receive and store any information you knowingly provide to us when you create an account, publish content, or fill any online forms in the Mobile Application. When required, this information may include the following: Personal details such as name, country of residence, etc. Contact information such as email address, phone number etc. Geolocation data of the mobile device such as latitude and longitude. Certain features on the mobile device such as contacts, calendar, gallery, etc. Any other materials you willingly submit to us such as articles, images, feedback, etc. . You can choose not to provide us with your Personal Information, but then you may not be able to take advantage of some of the Mobile Application's features. Users who are uncertain about what information is mandatory are welcome to contact us. Use and process of collected information In order to make our Mobile Application and Services available to you, or to meet a legal obligation, we need to collect and use certain Personal Information. If you do not provide the information that we request, we may not be able to provide you with the requested products or services. Some of the information we collect is directly from you via our Mobile Application. However, we may also collect Personal Information about you from other sources such as social media, emails, etc. Any of the information we collect from you may be used for the following purposes: Create and manage user accounts Deliver products or services Improve products and services Send administrative information Respond to inquiries and offer support Post customer testimonials Processing your Personal Information depends on how you interact with our Mobile Application, where you are located in the world and if one of the following applies: (i) you have given your consent for one or more specific purposes; (ii) provision of information is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof; (iii) processing is necessary for compliance with a legal obligation to which you are subject; (iv) processing is related to a task that is carried out in the public interest or in the exercise of official authority vested in us; (v) processing is necessary for the purposes of the legitimate interests pursued by us or by a third party. Note that under some legislations we may be allowed to process information until you object to such processing (by opting out), without having to rely on consent or any other of the following legal bases below. In any case, we will be happy to clarify the specific legal basis that applies to the processing, and in particular whether the provision of Personal Information is a statutory or contractual requirement, or a requirement necessary to enter into a contract. Managing information You are able to delete certain Personal Information we have about you. The Personal Information you can delete may change as the Mobile Application or Services change. When you delete Personal Information, however, we may maintain a copy of the unrevised Personal Information in our records for the duration necessary to comply with our obligations to our affiliates and partners, and for the purposes described below. If you would like to delete your Personal Information or permanently delete your account, you can do so on the settings page of your account in the Mobile Application or simply by contacting us. Disclosure of information Depending on the requested Services or as necessary to complete any transaction or provide any service you have requested, we may share your information with your consent with our trusted third parties that work with us, any other affiliates and subsidiaries we rely upon to assist in the operation of the Mobile Application and Services available to you. We do not share Personal Information with unaffiliated third parties. These service providers are not authorized to use or disclose your information except as necessary to perform services on our behalf or comply with legal requirements. We may share your Personal Information for these purposes only with third parties whose privacy policies are consistent with ours or who agree to abide by our policies with respect to Personal Information. These third parties are given Personal Information they need only in order to perform their designated functions, and we do not authorize them to use or disclose Personal Information for their own marketing or other purposes.We will disclose any Personal Information we collect, use or receive if required or permitted by law, such as to comply with a subpoena, or similar legal process, and when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.In the event we go through a business transition, such as a merger or acquisition by another company, or sale of all or a portion of our PalKeeper assets, your user account, and Personal Information will likely be among the assets transferred. Retention of information We will retain and use your Personal Information for the period necessary to comply with our legal obligations, resolve disputes, and enforce our agreements unless a longer retention period is required or permitted by law. We may use any aggregated data derived from or incorporating your Personal Information after you update or delete it, but not in a manner that would identify you personally. Once the retention period expires, Personal Information shall be deleted. Therefore, the right to access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after the expiration of the retention period. Transfer of information Depending on your location, data transfers may involve transferring and storing your information in a country other than your own. You are entitled to learn about the legal basis of information transfers any international organization governed by public international law or set up by two or more countries, such as the UN, and about the security measures taken by us to safeguard your information. If any such transfer takes place, you can find out more by checking the relevant sections of this Privacy Policy or inquire with us using the information provided in the contact section. The rights of users You may exercise certain rights regarding your information processed by us. In particular, you have the right to do the following: (i) you have the right to withdraw consent where you have previously given your consent to the processing of your information; (ii) you have the right to object to the processing of your information if the processing is carried out on a legal basis other than consent; (iii) you have the right to learn if information is being processed by us, obtain disclosure regarding certain aspects of the processing and obtain a copy of the information undergoing processing; (iv) you have the right to verify the accuracy of your information and ask for it to be updated or corrected; (v) you have the right, under certain circumstances, to restrict the processing of your information, in which case, we will not process your information for any purpose other than storing it; (vi) you have the right, under certain circumstances, to obtain the erasure of your Personal Information from us; (vii) you have the right to receive your information in a structured, commonly used and machine readable format and, if technically feasible, to have it transmitted to another controller without any hindrance. This provision is applicable provided that your information is processed by automated means and that the processing is based on your consent, on a contract which you are part of or on pre-contractual obligations thereof. The right to object to processing Where Personal Information is processed for the public interest, in the exercise of an official authority vested in us or for the purposes of the legitimate interests pursued by us, you may object to such processing by providing a ground related to your particular situation to justify the objection. You must know that, however, should your Personal Information be processed for direct marketing purposes, you can object to that processing at any time without providing any justification. To learn, whether we are processing Personal Information for direct marketing purposes, you may refer to the relevant sections of this document. ​ How to exercise these rights Any requests to exercise your rights can be directed to PalKeeper Ltd through the contact details provided in this document. Please note that we may ask you to verify your identity before responding to such requests. Your request must provide sufficient information that allows us to verify that you are the person you are claiming to be or that you are the authorized representative of such person. You must include sufficient details to allow us to properly understand the request and respond to it. We cannot respond to your request or provide you with Personal Information unless we first verify your identity or authority to make such a request and confirm that the Personal Information relates to you.