Terms of Service

Welcome to Gold Club International! We are an economic empowerment platform bringing our community members “Gold Club Members” the best deals, discounts and bonuses across broad categories using our Gold Discount Card.

Our members can take advantage of a variety of products or services rendered by businesses that offer discount. Businesses willing to offer discounts on products and services within our e-commerce ecosystem also get access to our large and growing community of Gold Club Discount Card users. Whether you are a Purchaser or Merchant, we enable you to pay or accept digital currencies as payment in your transactions. Our Services are only available to businesses that offer products and/or services for sale within our ecosystem. By using the Services, you authorize us to act as your agent so we may receive, hold and disburse funds on your behalf and to take any, and all actions that we think are necessary to provide the Services.

The Gold Club International Service is provided to you by Karatbars Once A Month Gold Club International (“Gold Club International”), an association registered under the Laws of the Federal Republic of Nigeria. These Terms of Use govern your use of our Service. As used in these Terms of Use, "Service", "our Service" or "the Service" means the service provided on this portal, including all features and functionalities, website, and user interfaces, and software associated with the service. The following words used in this Terms of Service and, Privacy Statement and Disclaimer Notice and any or all Agreements shall have the following meaning: "Client or Customer", "You" and "Your" refers to you, the person using the Service and accepting this Terms and Conditions. "Gold Club International ", "Ourselves", "We" and "Us", refers to The Registered Trustees of Karatbars Once A Month Gold Club International "Party", "Parties" refers to both the You and ourselves, or either You or ourselves.


By using this website or subscribing to Gold Club membership, you are deemed to have read and agreed to the Terms and Conditions as may be reviewed from time to time. These Terms apply to all members of the Gold Club International and users of the site, including without limitation, users who are browsers, vendors, customers, merchants, and/ or contributors of content. Please read these Terms of Service carefully before accessing or using our website or conducting any transaction. If these Terms of Service are considered an offer, the acceptance of the offer is expressly limited to the Terms contained herein.

1 Rights and Obligations
Gold Club International provides the Service solely on the terms and conditions set forth in this Agreement and on the condition that You accept and comply with them. By using the Service, You (a) accept this Agreement and agree that You are legally bound by its terms; and (b) represent and warrant that: (i) You are of legal age to enter into a binding agreement; and (ii) if You are a company, governmental organization or other legal entity, You have the right, power and authority to enter into this Agreement on behalf of Gold Club International , governmental organization or other legal entity and bind them to these terms. While this Site has undergone testing and continues to be improved by feedback from the open-source user and developer community, We cannot guarantee there will not be bugs in the Software. You acknowledge that Your use of this Software is at Your own discretion and in compliance with all applicable laws. You are responsible for safekeeping Your passwords, private key pairs, PINs, and any other codes You use.

IF YOU LOSE ACCESS TO YOUR DIGITAL CURRENCY WALLET OR YOUR ENCRYPTED PRIVATE KEYS AND YOU HAVE NOT SEPARATELY STORED A BACKUP OF YOUR WALLET AND CORRESPONDING PASSWORD, YOU ACKNOWLEDGE AND AGREE THAT ANY CURRENCY YOU HAVE ASSOCIATED WITH THAT WALLET WILL BECOME INACCESSIBLE. All transaction requests are irreversible. The authors of the Software, employees and affiliates of Gold Club International , copyright holders, and The Registered Trustees of Karatbars Once A Month Gold Club International cannot retrieve Your private keys or passwords if You lose or forget them and cannot guarantee transaction confirmation

2 Disclaimer
THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE AUTHORS OF THE SOFTWARE, EMPLOYEES AND AFFILIATES OF GOLD CLUB INTERNATIONAL , COPYRIGHT HOLDERS, OR GOLD CLUB INTERNATIONAL , INC. BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM, OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE. IN NO EVENT WILL GOLD CLUB INTERNATIONAL OR ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE SERVICE PROVIDERS, BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY USE, INTERRUPTION, DELAY OR INABILITY TO USE THE SOFTWARE, LOST REVENUES OR PROFITS, DELAYS, INTERRUPTION OR LOSS OF SERVICES, BUSINESS OR GOODWILL, LOSS OR CORRUPTION OF DATA, LOSS RESULTING FROM SYSTEM OR SYSTEM SERVICE FAILURE, MALFUNCTION OR SHUTDOWN, FAILURE TO ACCURATELY TRANSFER, READ OR TRANSMIT INFORMATION, FAILURE TO UPDATE OR PROVIDE CORRECT INFORMATION, SYSTEM INCOMPATIBILITY OR PROVISION OF INCORRECT COMPATIBILITY INFORMATION OR BREACHES IN SYSTEM SECURITY, OR FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL OR PUNITIVE DAMAGES, WHETHER ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER OR NOT WE WERE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BY USING THIS SERVICE, YOU WARRANT THAT YOU (A) HAVE SUBSTANTIAL INFORMATION AND KNOWLEDGE REGARDING THE SERVICE, THE BUSINESS AND PROSPECTS (B) HAVE CAREFULLY REVIEWED AND MADE DETAILED INQUIRY CONCERNING GOLD CLUB INTERNATIONAL , ITS BUSINESS, ITS PERSONNEL AND THE TERMS AND CONDITIONS OF THE TRANSACTIONS CONTEMPLATED BY THIS AGREEMENT (C) HAVE HAD THE OPPORTUNITY TO SEEK PROFESSIONAL ADVICE FROM YOUR LAWYER, ACCOUNTANT OR INVESTMENT ADVISOR WITH RESPECT TO THE SERVICES AND TRANSACTIONS CONTEMPLATED HEREBY AND THEIR SUITABILITY FOR YOU AND THAT EITHER ALONE OR TOGETHER WITH SUCH ADVISOR(S), ARE CAPABLE OF EVALUATING THE RISKS AND MERITS OF YOUR USE OF THIS SERVICE WE ACCEPT NO LIABILITY WHATSOEVER ARISING FROM YOUR USE OF ANY SERVICES, PRODUCTS AND PROMOTIONS PROVIDED BY THIRD PARTIES WHETHER OR NOT RECOMMENDED HERE AND EVEN WHERE YOU HAVE ACTIVATED THE THIRD PARTY SERVICE WITH ASSISTANCE FROM US. THE DISCRETION TO USE ANY THIRD PARTY SERVICE IS ENTIRELY YOURS. IF YOU DECIDE TO USE ANY THIRD PARTY SERVICE, YOU DO SO AT YOUR OWN RISK AND ARE SOLELY RESPONSIBLE FOR REVIEWING, UNDERSTANDING AND COMPLYING WITH THE ASSOCIATED TERMS AND CONDITIONS. WE EXPRESSLY DISCLAIM ANY LIABILITY FOR THE THIRD-PARTY SERVICES AND ARE NOT RESPONSIBLE FOR THE PERFORMANCE OF THE THIRD-PARTY SERVICES OR SERVICERS. WE DO NOT GUARANTEE THAT YOUR USE OF THIS SERVICE OR ANY THIRD PARTY SERVICE COMPLIES WITH APPLICABLE LOCAL LAWS OF YOUR JURISDICTION ON FOREIGN EXCHANGE RESTRICTION, EXCHANGE CONTROL REQUIREMENT, MONEY DEPOSIT, USE OF STORED-VALUE CARD AND ELECTRONIC WALLETS, ELECTRONIC PAYMENT SERVICE, FINANCIAL REGULATION OR MONETARY MATTERS. YOU SHOULD SEEK TO BE INFORMED OF THE LEGAL REQUIREMENTS WITHIN THE COUNTRY OF YOUR NATIONALITY, RESIDENCE, ORDINARY RESIDENCE OR DOMICILE BEFORE USING THIS SERVICE; THE USE OF THIS SERVICE INVOLVES ECONOMIC, LEGAL AND REGULATORY RISKS. THESE RISKS INCLUDE THE POSSIBILITY OF EXPROPRIATION, CONFISCATORY TAXATION, THE ESTABLISHMENT OF FOREIGN EXCHANGE CONTROLS AND MONETARY REGULATION PROHIBITING OR SUSPENDING THIS SERVICE. ANY OF THESE MAY IMPEDE THE ABILITY TO CARRY OUT ANY TRANSACTION OR TRANSFER CURRENCY VALUE FROM A GIVEN COUNTRY. THERE CAN BE NO ASSURANCE THAT THE OBJECTIVES OF THE USE OF THIS SERVICE WILL BE ACHIEVED AND INVESTMENT RESULTS MAY VARY SUBSTANTIALLY OVER SHORT PERIODS OF TIME.

General Conditions
We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.
You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

Online Store Terms
By agreeing to these Terms of Service, you represent that you are at least the age of 18 in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.
You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright, anti-terrorism and anti-money laundering laws). You must not transmit any worms or viruses or any code of a destructive nature. A breach or violation of any of the Terms will result in an immediate termination of your Services.

Accuracy, Completeness and Timeliness of Information
We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

Modifications to the Service and Prices
Prices for our products and services are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.
We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

Products or Services (If Applicable)
Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.
We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor's display of any color will be accurate.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.
We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
We reserve the right to refuse any order you place with us. We may, in our sole discretion set transaction limits. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

Accuracy of Billing and Account Information You agree to provide current, complete and accurate purchase and account information for all purchases made. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

Optional Tools We may provide you with access to third-party tools. Such tools are neither under our control nor monitored by us. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.
Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s). We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

Your Use of Third-Party Services
In using the website or the Services, you may be offered services, products and promotions provided by third parties. If you decide to use these third-party services, you do so at your own risk and are solely responsible for reviewing, understanding and complying with the associated terms and conditions. We advise you to read carefully the terms and conditions of any third party service and carry out proper due diligence on the organization offering the services and its agents. We expressly disclaim any liability for the third-party services and are not responsible for the performance of the third-party services or servicers.

Security
We have implemented security measures designed to secure your information from accidental loss and from unauthorized access, use, alteration or disclosure. However, we cannot guarantee that unauthorized persons will never gain access to your information, and you acknowledge that you provide your information at your own risk, except as otherwise provided by applicable law.

How we Collect, Use and Share Information
In order to provide the Services, we may share information about you and your account with third parties, including but not limited to your bank and Merchants. From time to time we may engage third parties in order to assist in different aspects of the provision of our Services to you. You acknowledge and agree your use of the Services may require we share your information with these third parties who may need to review your eligibility to use the Services according to their own verification procedures.

Our Ownership of the Services and the Website
You agree and acknowledge that we own all right, title and interest to and in the Services, the associated software, technology tools and content, the website, the content displayed on the website, and other materials produced by and related to Gold Club International (collectively, the Gold Club International IP). You are only permitted to use the Services and the Gold Club International IP to accept and receive payments, according to these Terms. When you accept the Terms, we grant you a personal, limited, revocable and non-transferable license to use the Gold Club International IP, without the right to sublicense. You shall not rent, lease, sublicense, distribute, transfer, copy, reproduce, download, display, modify or timeshare the Gold Club International IP or any portion thereof, or use the Gold Club International IP as a component of or a base for products or services prepared for commercial sale, sublicense, lease, access or distribution. You shall not prepare any derivative work based on the Gold Club International IP, nor shall you translate, reverse engineer, decompile or disassemble the Gold Club International IP.

Use of Gold Club International’s Intellectual Property
Notwithstanding anything to the contrary in this Term of Use, all trademarks, logo, images, texts, artworks, designs, publication, post or promotional materials associated with the Gold Club International Service are exclusively owned by us. To assist members’ individual marketing and publicity drive, we have developed uniform marketing materials that are available on this website. Only these uniform marketing materials are allowed to be used to market any of our services and we expressly disclaim any other marketing statement, representation or offer contained in any material other than the uniform marketing materials made available here. You are advised to read these marketing materials carefully. In very limited circumstances, we may agree to implement a joint marketing programme or campaign with any party if the need arises. Such request and/or proposal must be approved by us in writing and we will determine the content. In any event, you agree that you will not engage in any marketing in which the trademark, logo or name of Gold Club International is used in the same publication where other brands are displayed, advertised or publicised and you shall not create any confusion whatsoever about our brand, or misrepresent our objectives, mode of operation and relationship with you or any third party in any marketing material.

MERCHANT TERMS OF USE
These Merchant Terms of Use (the Terms) govern your use of the products, services or any other features, technologies or functionalities (the Services) provided by Gold Club International through this website, API or through any other means. The terms “you” and “your” refer to the merchant to which we will be providing the Services and the person signing below or otherwise agreeing to the Terms on behalf of the merchant. Please read the Terms carefully; by using the Services, you agree to the Terms and confirm that you accept them.

Registration
In order to use the Services, you must open a Gold Club International Account. When you open an account, we will ask you for contact information such as your name, phone number, and email address. We will also ask you for information on your business, including your business’s legal name, registered address, and your company website. The information that you provide at the time of account opening must be accurate and complete and you must inform us in a timely fashion of any changes to such information. We may require additional information from you (including any person signing below or otherwise agreeing to the Terms on behalf of the merchant) to help verify your identity and assess your business risk, such as your date of birth, tax identification number, government-issued identification, or company financial statements. We may also obtain information about you from third parties, such as credit bureaus and identity verification services. We have the right to reject your account registration or to later cancel your Gold Club International membership, if you do not provide us with accurate, complete, and satisfactory information.

Guarding your Password
You will choose a password when registering your account. You are responsible for maintaining the confidentiality of your password and account access information. You are fully responsible for all activities that occur with the use of your password or account. Please notify us immediately of any unauthorized use of your password or account or any other breach of security. If you share your password with others we will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not allow other merchants to use your account. You may not use anyone else’s password at any time.

Advertising
By written mutual consent, we may publish your corporate name, artwork, text and logo (Merchant Content) on the website and promotional materials to acknowledge you as our customer. You represent and warrant to us that you have the right to provide the Merchant Content to us, and that the use, copying, modification and publication of the Merchant Content by us: (a) will not infringe, violate or misappropriate any third party copyright, patent, trade secret or other proprietary rights, (b) will not infringe any rights of publicity or privacy, and (c) will not be defamatory or obscene or otherwise violate any law.

Your Sales: Daily Transaction Volume Limits
Gold Club International may impose daily and annual transaction processing limits on merchants. At Gold Club International 's discretion, and based on Gold Club International ’s risk assessment of your business, full transaction capabilities may not be enabled until additional documentation or information regarding you and your business is collected and verified.

Invoices and Records
You must keep all records needed for fulfilling the goods or services sold to the Purchaser and providing any post-sale support to the Purchaser. If the sale of the item requires any government registration of the sale, you are responsible for such registration. Gold Club International maintains records of all documentation and information collected for your merchant account for the duration that your account is active.

Customer Verification
Consistent with your local laws and regulations, you are solely responsible for obtaining any information required of those who purchase your goods or services. For instance, if applicable law prohibits a sale to persons under the age of 18 years, you must ensure that a Purchaser is at least 18 years of age. Similarly, if applicable law requires that a Purchaser's identity be verified, you must verify the Purchaser's identity. We will not be responsible for your failure to adequately verify your Purchasers' identities or qualifications.


Representation and Warranties
Use of the Services is subject to the laws and regulations of the Federal Republic of Nigeria regarding the prevention of terrorist financing and anti-money laundering. You agree and acknowledge that your use of the Services would and will comport with such laws and regulations.
Your use of the Services is also subject to the following important restrictions. Specifically, you represent and warrant to us that:

  1. You are at least eighteen (18) years old or older and have the right, power and contractual capacity to agree to these Terms
  2. Your use of the Services will not contravene any applicable international, federal, state or local law or regulation, including applicable tax laws and regulations.
  3. Your use of the Services will not relate to sales of:
    1. narcotics, research chemicals or any controlled substances;
    2. items that infringe or violate any intellectual property rights such as copyrights, trademarks, trade secrets, or patents;
    3. ammunition, firearms, explosives (including fireworks), or weapons regulated under applicable law or as determined by us; or
    4. any services which compete with Gold Club International
  4. Your use of the Services will not relate to transactions that:
    1. show the personal information of third parties in violation of applicable law;
    2. support pyramid, Ponzi, or other "get rich quick" schemes;

Our Right to Reject
We reserve the right to decline to process a sale if we believe that it violates these Terms or would expose you, other merchants, Purchasers, or other parties to harm. If we reasonably suspect that your account has been used for an illegal purpose, you authorize us to share information about you, your account, and your account activity with law enforcement.

Our Right to Inspect We may ask for permission to inspect your business location in connection with your use of the Services, or documentation or evidence to support specific transactions. If you refuse our request, we may suspend or terminate your account.

Methods of Settlement
We will verify the Purchaser’s payments over the peer-to-peer payment network and post the balance to your accounting ledger, according to your preference settings. The debits and credits to your accounting ledger are funds temporarily held by us until settlement to your bank account can take place. You can receive a settlement in your local currency, in digital currency, or in a mixture of both. You assume volatility risks of the currency in which you choose to settle. For example, if you choose to settle in any digital currency, then you assume the volatility risk of the currency value. DISCLOSURE: There are material risks from accepting various forms of payment (such as cash, other fiat currencies, network card payments, other proprietary electronic payments and alternative virtual currency payments. By using our Services, you undertake that you have full knowledge of these risks.

Settlements in Local Currencies
Your Bank Account
You must provide us with written notice at least one (1) business day prior to closing your bank account. If you wish to continue to receive direct deposits, you must provide us with information for a substitute bank account. You are solely liable for all fees and costs associated with your bank account and for all overdrafts. You are also liable to us for any fees that we may incur based on your provision of inaccurate information or instructions. You authorize us to initiate electronic credits to your bank account at any time, as necessary to process your transactions. We will not be liable for any delays in receipt of funds or errors in bank account entries caused by third parties.

Settlements in Digital Currencies
Any digital currency accepted by us on your behalf must be settled to a digital currency wallet selected by you. Payments in digital currencies are sent to your designated currency address, at least once per calendar day. We are not liable for any losses incurred as a result of improperly reported or designated digital currency addresses you provide.

Certain Deferrals
If we need to conduct an investigation or resolve any pending dispute related to your account, we may delay settlement or restrict access to your funds while we do so. Additionally, we may delay settlement or restrict access to your funds if required to do so by law, court order or at the request of law enforcement.

Account Information
You will have access to account information detailing your ledger and transaction and settlement history through your merchant account. Should you identify an error, you must notify us within thirty (30) calendar days of the ledger entry posting.

Disclosure of Your Refund Policy
We are not responsible for Merchant refund policies. We do suggest Merchants have a clear refund policy for their customers (including, if applicable, “no refunds are allowed as all sales are final”). If refunds are permitted, we recommend you refund the amount of the initial purchase in the currency in which the item was priced.

Choice of Law
This Agreement, and its application and interpretation, shall be governed exclusively by the laws of the Federal Republic of Nigeria.

Severability
In the event any court shall declare any section or sections of this Agreement invalid or void, such declaration shall not invalidate the entire Agreement and all other paragraphs of the Agreement shall remain in full force and effect.

Binding Agreement
The terms and provisions of this Agreement are binding upon Your heirs, successors, assigns, and other representatives. This Agreement may be executed in counterparts, each of which shall be considered to be an original, but both of which constitute the same Agreement. You assume any and all risks associated with the use of the Service.

Our Right to Close or Suspend Your Account
We may terminate your account, at our discretion, upon notice to you via email or phone communication. We may also suspend your access to the Services if we suspect that you have failed to comply with these Terms, pose an unacceptable fraud risk to us, or if you provide any false, incomplete, inaccurate or misleading information. We will not be liable to you for any losses that you incur relating to our closure or suspension of your account.

Indemnification
You agree to indemnify Gold Club International, its affiliated and related entities, and any of its officers, directors, employees and agents from and against any claims, costs, losses, liabilities, damages, expenses and judgments of any and every kind (including, without limitation, costs, expenses, and reasonable attorneys’ fees) arising out of, relating to, or incurred in connection with any claim, complaint, action, audit, investigation, inquiry, or other proceeding instituted by a person or entity that arises or relates to: (a) any actual or alleged breach of your representations, warranties, or obligations set forth in these Terms; (b) your wrongful or improper use of the Services; (c) the products or services sold by you through the Services, including but not limited to any claims for false advertising, product defects, personal injury, death or property damage; or (d) any other party’s access or use of the Services with your account information

No Warranties
WE PROVIDE THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE PROVIDE THE SERVICES WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED (INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT). WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES (AND OUR WEBSITE): WILL OPERATE ERROR-FREE OR THAT DEFECTS OR ERRORS WILL BE CORRECTED; WILL MEET YOUR REQUIREMENTS OR WILL BE AVAILABLE, UNINTERRUPTED OR SECURE AT ANY PARTICULAR TIME OR LOCATION; ARE FREE FROM VIRUSES OR OTHER HARMFUL CONTENT. WE DO NOT ENDORSE, WARRANT, GUARANTEE OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE OFFERED OR ADVERTISED BY A THIRD PARTY THROUGH THE SERVICES OR THROUGH OUR WEBSITE, AND WE WILL NOT BE A PARTY TO NOR MONITOR ANY INTERACTIONS BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

Limitation of Liability
IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES OR ANY LOSS, THEFT, DISAPPEARANCE, OR DAMAGES FOR LOST PROFITS, LOST REVENUES, LOST DATA OR OTHER INTANGIBLE LOSSES THAT RESULT FROM THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICES, REGARDLESS OF THE FORM OF ACTION AND WHETHER OR NOT WE KNEW THAT SUCH DAMAGE MAY HAVE BEEN INCURRED. IN NO EVENT WILL WE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING, VIRUS TRANSMISSION OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICES, YOUR ACCOUNT, OR ANY INFORMATION CONTAINED THEREIN. IN NO EVENT WILL OUR LIABILITY FOR ANY DAMAGES ARISING IN CONNECTION WITH THE SERVICES EXCEED THE FEES EARNED BY US IN CONNECTION WITH YOUR USE OF THE SERVICES DURING THE 6 MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY. THE FOREGOING LIMITATIONS OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.

Miscellaneous
Taxes
"We charge Value-Added Tax on every transaction carried out on this platform. However, you are responsible for determining any and all other taxes assessed, incurred, or required to be collected, paid, or withheld for any reason in connection with your use of our software and services (Taxes). You also are solely responsible for collecting, withholding, reporting, and remitting correct Taxes to the appropriate tax authority. We are not obligated to, nor will we determine whether Taxes apply, or calculate, collect, report, or remit any Taxes to any tax authority arising from any transaction other than Value-Added Tax".

Privacy Policy
Please see our Privacy Policy for information regarding how we collect and use information. The Privacy Policy is part of these Terms, so please make sure that you read it.

User Comments, Feedback and other Submissions
If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, 'comments'), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments. We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service. You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

Assignment
You may not transfer or assign these Terms, or any rights granted by these Terms. You agree and acknowledge that we may assign or transfer these Terms.

Severability
Should any provision of these Terms be determined to be invalid or unenforceable under any law, rule, or regulation, such determination will not affect the validity or enforceability of any other provision of this Agreement.

Waivers
Our failure to assert any right or provision in these Terms shall not constitute a waiver of such right or provision, and no waiver of any term shall be deemed a further or continuing waiver of such or other term.

Entire Agreement
This Agreement including the Privacy Policy referenced herein, represent the entire understanding between us and you with respect to the matters discussed.
Headings are included for convenience only, and shall not be considered in interpreting these Terms.

Notices
You agree to accept communications from us in an electronic format, and agree that all terms, conditions, agreements, notices, disclosures or other communications that we provide to you electronically will be considered to be “in writing”.

Governing Law; Arbitration
This Agreement will be governed by and construed in accordance with the laws of Nigeria. If a disagreement or dispute in any way involves the Services or these Terms and cannot be resolved between you and us with reasonable effort, the disagreement or dispute shall be resolved exclusively by final and binding arbitration, and will be conducted before a panel of three (3) arbitrators appointed pursuant to the Arbitration and Conciliation Act, LFN 2004. You agree that the arbitration shall be held in Lagos State, or at any other location that is mutually agreed upon by you and us. You agree that there shall be no authority for any claims to be arbitrated on a class or representative basis, and arbitration will only decide a dispute between you and us. Arbitration proceedings must be initiated within one (1) year after the disagreement or dispute arises. If any part of this Arbitration clause is later deemed invalid as a matter of law, then the remaining portions of this section shall remain in effect, except that in no case shall there be a class arbitration.

Amendment
We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website and transaction processes without special notice to you. You are advised to check this page periodically for any modification to the Terms. Your continued use of or access to the website or use of any of our Services following any changes constitutes an acceptance of those changes. Any new features, functionalities or tools which are added to the site shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page.

Force Majeure
Neither you nor we will be liable for delays in processing or other non-performance caused by such events as fires, telecommunications, utility, or power failures, equipment failures, labor strife, riots, war, virus or malware attack, acts of God, or other causes over which the respective party has no reasonable control; provided that the party has procedures reasonably suited to avoid the effects of such acts.

Termination
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes. These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site. If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

Contact Information
Questions about the Terms of Service should be sent to us at compliance@goldclub.help