1. Introduction
This Agreement is between you and Digital Pivot LTD (“Digital Pivot”, “we”, “us”, “our”). It describes the terms that apply to your use of our website, mobile apps, and related services for gift card redemption, bill payments, and (when available) flight search and booking.
2. Eligibility & registration
- You must be the age of majority in your country/region and capable of forming a binding contract. Minors may use the services only under the supervision of a legal guardian.
- You agree to provide accurate, current, and complete information during registration and to keep it updated.
- We may require identity verification (KYC) and other checks before enabling certain features or limits.
3. Accounts, passwords & security
- You are responsible for all activity that occurs under your account. Keep your credentials confidential and use strong passwords.
- If you suspect unauthorized access, notify support immediately. We may require additional verification steps to secure your account.
- Your account is personal to you. Do not share, sell, transfer, or allow others to use your account without our written permission.
4. Use of services & acceptable use
You agree to comply with applicable laws and our policies. You will not use the services to:
- Violate laws, infringe third‑party rights, or engage in fraud, money laundering, or other unlawful activity.
- Trade stolen, unauthorized, or otherwise invalid gift cards, or attempt chargebacks or double‑spending.
- Interfere with or disrupt service integrity, circumvent security controls, or reverse engineer our software.
- Upload harmful code, or use automated systems that place unreasonable load on our infrastructure.
- Misrepresent your identity or affiliation, or impersonate others.
We may remove content, limit features, or suspend accounts that violate this Agreement.
5. Fees, rates & quotes
- We may charge service fees. Any applicable fees and exchange rates will be presented before you confirm a transaction.
- Quotes and rates are time‑sensitive and not guaranteed until you accept. If a quote expires or changes before confirmation, you may be asked to accept a new quote.
- Taxes and charges from third parties (e.g., network or payment fees) may apply.
6. Third‑party services
Certain features are provided through partners (e.g., verification, payments, messaging, flight search/booking). Your use of such features may be subject to the partners’ terms. Digital Pivot is not responsible for third‑party content, services, or delays beyond our reasonable control.
7. Suspension & inactive accounts
- We may suspend or limit your account if we suspect risk, fraud, or policy violations, or to comply with law.
- If you do not sign in or use the services for 24 consecutive months, we may deem the account inactive and take steps to disable it after reasonable notice, subject to applicable law and handling of any outstanding balances.
8. Cancellation & deletion
You may request to delete your account in the app or via support. Deletion will remove account data that we are not legally required or permitted to retain (e.g., for fraud prevention, financial records). See our Privacy Policy for details.
9. Content & intellectual property
- You retain rights to the content you submit. You grant Digital Pivot a worldwide, non‑exclusive, royalty‑free license to host, store, reproduce, and display such content solely to operate and improve the services.
- All trademarks, logos, and service marks of Digital Pivot are our property. You may not use our brand assets without prior written permission.
- Do not upload or share content that infringes others’ rights. Upon proper notice, we may remove infringing content and disable repeat infringers.
10. Disclaimers & limitation of liability
We provide the services “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement. We do not guarantee uninterrupted, timely, or error‑free service.
To the maximum extent permitted by law, Digital Pivot will not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, data, or goodwill, arising out of or related to your use of the services. In all cases, our total liability for any claim will not exceed the fees you paid to Digital Pivot for the services in the 12 months preceding the event giving rise to the claim.
11. Indemnity
You agree to defend, indemnify, and hold harmless Digital Pivot and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with your violation of this Agreement or applicable law, or your content.
12. Changes to the services or terms
We continually improve our services and may add, modify, or discontinue features. We may update this Agreement from time to time. If changes are material, we will provide notice (e.g., in‑app, on the site, or by email). The updated terms take effect when posted unless otherwise stated. If you do not agree, stop using the services.
13. Term & termination
This Agreement starts when you first use the services and continues until terminated. We may suspend or terminate at any time if you breach this Agreement, present risk, or as required by law. You may stop using the services at any time. Sections that by their nature should survive termination will survive (e.g., IP, disclaimers, limitation of liability, indemnity, and law & disputes).
14. Privacy
Your privacy matters. Our Privacy Policy explains how we collect, use, and share information about you.
15. Governing law & dispute resolution
This Agreement is governed by the laws of Nigeria, without regard to conflict of law principles. The parties agree to the non‑exclusive jurisdiction of the competent courts in Nigeria for disputes that cannot be resolved informally. Where local consumer protection laws grant you additional rights, those rights remain unaffected.
16. Miscellaneous
- Notices. Keep your contact details up to date. We may send important notices via the app, email, or on our site.
- Beta features. Some features may be labelled beta or preview and may be subject to additional terms or limitations.
- Severability. If any provision is unenforceable, the remaining provisions will remain in full force.
- No waiver. Our failure to enforce a provision is not a waiver.
- Assignment. You may not assign this Agreement without our consent. We may assign to an affiliate or in connection with a corporate transaction.
- Entire agreement. This Agreement, together with our policies referenced here (including the Privacy and Cookie Policies), constitutes the entire agreement between you and Digital Pivot.
17. Contact
- Support: digitalpivotng.com/contact
- Email: legal@digitalpivotng.com / info@dipivot.com
- Address: Digital Pivot LTD, 1 Omozogie Road, off Uselu Lagos Road, Benin City, Nigeria
- Effective date: