Terms of Use

1. Acceptance of Terms and Conditions 

CBI Technologies Ltd (the “CBI Technologies,” “we,” “us” or “our”) is a digital financial service company licenced by the Central Bank of Nigeria to operate in Nigeria. We enable registered users to send, receive, store, and manage electronic payments and other financial services via web and mobile platforms. Additional services may include airtime recharge, bill payments, savings, and fund transfers. 

 

This Website Terms of Use Agreement governs your use of the Website located at https://www.cbitechnologiesltd.com (the “Platform”) which is owned and operated by CBI Technologies Ltd.  

 

BY ACCESSING, BROWSING OR USING THE PLATFORM OR ANY PAGES OF THE PLATFORM, YOU ARE INDICATING THAT YOU HAVE READ AND ACKNOWLEDGE AND AGREE TO BE BOUND BY THIS WEBSITE TERMS OF USE AGREEMENT (COLLECTIVELY, “TERMS AND CONDITIONS”), AND THE CBI TECHNOLOGIES’S WEBSITE PRIVACY POLICY LOCATED AT https://www. Cbitechnologiesltd.com/privacy-policy/   IF YOU DO NOT AGREE TO EVERY PROVISION OF THESE TERMS AND CONDITIONS AND THE CBI TECHNOLOGIES’S WEBSITE PRIVACY POLICY, PLEASE DO NOT ACCESS, BROWSE OR USE THE PLATFORM. BY ACCEPTING THESE TERMS AND CONDITIONS, YOU REPRESENT AND WARRANT THAT YOU ARE 18 YEARS OF AGE OR OLDER AND THAT, IF YOU HAVE ACCEPTED THESE TERMS AND CONDITIONS ON BEHALF OF ANY BUSINESS (SUCH AS A CORPORATION, PARTNERSHIP, LIMITED LIABILITY CBI TECHNOLOGIESOR OTHER ORGANIZATION) OR OTHER ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE LEGAL AUTHORITY TO DO SO. 

  

2. Revisions to these Terms and Conditions 

These Terms and Conditions may be revised at any time for any reason, and we may provide you notice of these changes by any reasonable means, including by posting the revised version of the Terms and Conditions on the Platform. You can determine when we last updated these Terms and Conditions by referring to the “Last Updated” legend at the bottom of these Terms and Conditions. By accessing, browsing or using the Platform following the posting of changes to these Terms and Conditions, you accept such changes. You agree to use the Platform for lawful purposes only in a manner consistent with any and all applicable rules, laws and regulations. Any use of the Platform in a manner inconsistent with these Terms and Conditions is deemed unauthorized access and may subject the user to civil or criminal penalties. We strongly recommend that you periodically visit this page of the Platform to review these Terms and Conditions. 

  

3. Use of Platform 

Your use of the Platform is subject in all respects to these Terms and Conditions. The Platform and all material on the Platform or contained therein, all text, graphics, and other works on the Platform, the Platform’s design and coding, all computer programs used and licensed in connection with the Platform, the look and feel of the Platform, and all data and reports generated by the Platform (collectively, the “Platform Content”) are owned by us or a third-party.  These materials are protected under copyright, trademark and other laws.  You may not copy, download, transmit, modify, distribute or republish the Platform or any portion of the Platform, including without limitation any of the Platform Content without the prior written consent of CBI Technologies.  You may not sell, publicly display, create derivative works of, reverse engineer, assign, sub-license, transfer or otherwise exploit the Platform or any Content.  Use of any Platform Content is prohibited without the prior written permission of CBI Technologies. 

  

4. Linked Platforms 

CBI Technologies has not reviewed all of the Websites linked to the Platform and is not responsible for the content of any third-party pages or any other Websites linked to the Platform. Nothing in the Platform, including, without limitation, any links to other Websites, should be construed as an endorsement of any products, services or information of any other persons or companies by CBI Technologies. Your choice to link to any other Website is at your own risk, and you agree to comply with all terms and conditions relating to such Websites. CBI Technologies reserves the right not to link, or to remove the link, to a particular Website at any time. Any links to third party Websites are provided as a convenience to you and are neither owned nor operated by CBI Technologies. CBI Technologies has no control over these linked Websites and makes no representations or warranties with respect to these linked Websites. Your viewing and use of any third party Websites is at your sole discretion and risk. 

  

5. Use of Platform from Mobile Devices 

If you use the Platform on a mobile device, you acknowledge that your mobile carrier may bill you applicable airtime, data, and usage fees and taxes for your use of the Platform. Check your mobile carrier’s wireless plan for full details. Service may not be available in all areas. 

 

6. CBI Technologies Trademarks 

All product and service names appearing in a typeface different from that of the surrounding text or with a trademark symbol, and the CBI Technologies logos, are registered and unregistered trademarks and service marks owned by CBI Technologies or its subsidiaries or affiliates or a third-party. The absence of a name, trademark or logo in this list does not constitute a waiver of any and all intellectual property rights that CBI Technologies has established in any of its goods, services, names or logos. These trademarks and all other trademarks, service marks, logos, and CBI Technologies names (each a “Mark”) used in connection with the Platform are the property of CBI Technologies or third-parties and shall remain the property of CBI Technologies and such third-parties. Nothing contained in the Platform shall be construed as granting, by implication or otherwise, any license or right to use any such Mark without the prior written permission of CBI Technologies or such third-party that may own such Mark. Your misuse of any such Mark, or any other Platform Content, is strictly prohibited. 

  

7. Legal Requirements 

Where CBI Technologies has a good faith belief that such action is necessary to comply with a judicial proceeding, court order, warrant, administrative order, civil investigative demand, subpoena, or other valid process, CBI Technologies may disclose IP addresses, personal information, and any contents of the Platform where it is legally compelled to do so. Please see the CBI Technologies’s Website Privacy Policy for additional information relating to the privacy and security of information collected hereunder. 

 

8. Your Use of the Platform 

You are solely responsible and liable for all data, information and other materials (“User Content”) that you submit, upload, post, e-mail or otherwise transmit (“Transmit”) in connection with the Platform. In addition, we have no control over, and shall have no liability for, any damages resulting from the use (including without limitation republication) or misuse by any third-party of information made public through the Platform. IF YOU CHOOSE TO SUBMIT TO US, OR OTHERWISE MAKE ANY PERSONAL INFORMATION OR OTHER INFORMATION PUBLICLY AVAILABLE, YOU DO SO AT YOUR OWN RISK AND CBI TECHNOLOGIES SHALL HAVE NO RESPONSIBILITY OR LIABILITY THEREOF.  

 

You agree that you will not, and will not permit anyone else to, directly or indirectly: (a) Transmit any User Content that is unlawful, harmful, threatening, abusive, hateful, obscene, harassing, tortious, defamatory, libelous, slanderous, pornographic, profane, vulgar, offensive, lewd, invasive of another’s privacy or racially, ethnically or otherwise objectionable; (b) use the Platform to harm minors in any way or to stalk, threaten, or otherwise violate the rights of others, including without limitation others’ privacy rights or rights of publicity, or harvest or collect personal information, including e-mail addresses, about other users of the Platform; (c) Transmit any User Content: (i) that you do not have the right to Transmit, under any law or contractual or fiduciary relationships, including, without limitation, any inside information or proprietary or confidential information; (ii) that infringes any patent, copyright, trademark or other intellectual property right or misappropriates any trade secret or right of privacy of any third-party; (iii) that constitute unsolicited or unauthorized advertising or promotional materials, “spam,” “chain letters,” or pyramid schemes; or (iv) that contains any software routine, code, instruction or virus that is designed to disable, delete, modify, damage or erase software, hardware or data; (d) forge headers or otherwise manipulate identifiers in order to disguise any User Content Transmitted through the Platform; (e) interfere with the Platform or servers or networks used in connection with the Platform; (f) interfere with the ability of others to use the Platform; (g) reproduce, sell, resell, sub-license, distribute, publish create derivative works of, reverse engineer, assign, transfer or exploit for any commercial purposes, any portion of the Platform, the Platform Content or any User Content contained therein; (h) conduct your business using the Platform in a way that is unfair, unlawful, or constitutes a deceptive business practice; (i) use any robot, spider, or other automatic device to monitor or copy portions of the Platform or the Platform Content without CBI Technologies’s prior written permission; (j) include in any thirty-party Website any hypertext link to any page or location within the Platform without CBI Technologies’s prior written permission; (k) display the Platform or any portion thereof in frames without CBI Technologies’s prior written permission; or (m) impersonate any person or entity, including, but not limited to, other users of the Platform, falsely state or otherwise misrepresent your affiliation with any person or entity, or express or imply that we endorse any statement you make. 

  

You acknowledge and agree that CBI Technologies may disclose or use any User Content that you Transmit for purposes that include, but are not limited to: (a) enforcing these Terms and Conditions; (b) complying with any laws, regulations or rules of any federal, state or local government or agency; (c) responding to claims that any User Content violates the rights of third parties; or (d) protecting the rights or property of CBI Technologies, its customers or the public. With respect to User Content that you Transmit to the Platform, you grant CBI Technologies a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivate works from, distribute and display such User Content throughout the work in any media; however, CBI Technologies will only share personally identifiable information that you provide in accordance with CBI Technologies’s privacy policy. As between the parties, we own all right, title, and interest in and to all intellectual property rights in all materials, products or services developed by us, or on behalf of us by third parties, based on or including as a component thereof any such information as described above, and all generalized knowledge, skill, know-how and expertise relating to such information. 

  

CBI Technologies does not and cannot review all User Content posted to the Platform, or created by users accessing the Platform, and is not in any manner responsible for the content of any User Content. You acknowledge that by providing you with the ability to view and distribute user-generated content on the Platform, CBI Technologies is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any User Content or activities on the Platform. However, CBI Technologies reserves the right to block, remove, move or edit any of the submissions in its sole discretion. 

  

9. Special Admonitions for International Use 

This Platform is hosted in Nigeria. We provide the Platform for use only by persons located in Nigeria. We make no claims that the Platform or any of its content is accessible or appropriate outside of Nigeria. Access to the Platform may not be legal by certain persons or in certain countries. If you access the Platform from outside Nigeria, you do so on your own initiative and are responsible for compliance with all applicable local laws. 

  

10. Indemnification 

You agree to hold harmless and indemnify CBI Technologies, its subsidiaries and affiliates, business partners, contractors, clients and service providers, and their respective officers, employees, agents and representatives from and against any claims, liabilities, costs or damages, including reasonable attorneys’ fees and paralegal fees through final appeals, made by any third party, relating to or arising from your use of the Platform, any User Content that you Transmit to or through the Platform, any violation of these Terms and Conditions by you, or any other act or omission by you, including your violation of any rights of another, arising from your use of the Platform. 

  

11. Availability and Features 

Availability and features of the CBI Technologies products or services featured on the Platform are subject to change without notice. To keep the Platform operating smoothly, we perform regular maintenance on the equipment and systems involved in the operation of the Platform. From time to time, we may shut down the Platform temporarily for repairs or upgrades. 

 

12. Termination 

You acknowledge and agree that CBI Technologies may terminate your access to use of the Platform for any reason, including, without limitation, your violation of these Terms and Conditions. You agree that CBI Technologies may terminate your access to and use of the Platform without prior notice and without any liability to you or any third party. You acknowledge and agree that CBI Technologies may modify, limit, suspend or discontinue the Platform or any part of the Platform at any time, without notice or liability to you. CBI Technologies may also, from time to time, establish general rules and policies regarding use of the Platform. CBI Technologies will post such rules and policies on the Platform, and you agree that your compliance with such rules and policies shall be a condition of your use or continued use of the Platform. CBI Technologies shall have no liability or responsibility with respect to any lost Platform Content, User Content, or other data, such as the deletion of or failure to store Platform Content, User Content, or other data. All provisions of these Terms and Conditions that by their nature should survive termination of your right to access and use the Platform shall survive (including, but not limited to, all limitations on liability, releases, indemnification obligations, disclaimers of warranties, and intellectual property protections and licenses). CBI Technologies reserves the right to, but has no obligation to, store or keep copies of any Platform Content, User Content, or other information, unless otherwise required by law or court order. 

  

13. Disclaimers and Limitation of Liability 

CBI TECHNOLOGIES IS PROVIDING THE PLATFORM AND ALL FEATURES OF THE PLATFORM CONTENT ON AN “AS-IS,” “AS-AVAILABLE” BASIS. YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK. CBI TECHNOLOGIES DISCLAIMS ALL REPRESENTATIONS OR WARRANTIES OF ANY KIND TO THE EXTENT THAT THEY MAY BE EXCLUDED BY LAW, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT AS TO THE OPERATION OF THE PLATFORM. CBI TECHNOLOGIES DOES NOT WARRANT THAT THE PLATFORM WILL OPERATE IN AN UNINTERRUPTED, SECURE OR ERROR-FREE MANNER. CBI TECHNOLOGIES ASSUMES NO RESPONSIBILITY FOR AND MAKES NO WARRANTY OR REPRESENTATION AS TO THE ACCURACY, CURRENCY, COMPLETENESS, RELIABILITY, CURRENTNESS, USEFULNESS, OR DECENCY OF THE PLATFORM. CBI TECHNOLOGIES MAKES NO WARRANTY REGARDING THE QUALITY, SAFETY, OR LEGALITY OF THE PLATFORM, AND CBI TECHNOLOGIES DOES NOT WARRANT THAT YOUR USE OF THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE PLATFORM. ANY PLATFORM CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE DONE TO YOUR COMPUTER OR LOSS OF DATA THAT RESULTS FROM SUCH ACTIVITY. IN NO EVENT SHALL CBI TECHNOLOGIES, OR ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS (“AFFILIATED ENTITIES”) BE LIABLE, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF DATA OR OTHER INTANGIBLES, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY OR CLAIMS OF THIRD-PARTIES, EVEN IF CBI TECHNOLOGIES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR RESULTING FROM (1) THE USE OF OR INABILITY TO USE THE PLATFORM, ANY SERVICES, OR THE USER CONTENT; (2) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE PLATFORM; (3) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE PLATFORM, ANY SERVICES AND/OR USER CONTENT; (4) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (5) ANY OTHER MATTER RELATING TO THE PLATFORM, ANY SERVICES, OR THE USER CONTENT. YOU SPECIFICALLY AGREE THAT CBI TECHNOLOGIES IS NOT RESPONSIBLE OR LIABLE TO YOU OR ANYONE ELSE FOR UNLAWFUL, HARASSING, DEFAMATORY, ABUSIVE, THREATENING, HARMFUL, VULGAR, OBSCENE, SEXUALLY EXPLICIT, OR OTHERWISE OBJECTIONABLE CONDUCT OR SPEECH OF ANY OTHER PARTY ON OR THROUGH THE PLATFORM, OR FOR ANY INFRINGEMENT OR VIOLATION OF YOUR RIGHTS BY ANY OTHER PARTY, INCLUDING, BUT NOT LIMITED TO, INTELLECTUAL PROPERTY RIGHTS, RIGHTS OF PUBLICITY, OR RIGHTS OF PRIVACY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE PLATFORM IS TO STOP USING THE PLATFORM. THE MAXIMUM LIABILITY OF CBI TECHNOLOGIES AND THE AFFILIATED ENTITIES FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEGLIGENCE) OR OTHERWISE WILL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO CBI TECHNOLOGIES TO ACCESS AND USE THE PLATFORM. IF YOU LIVE IN A JURISDICTION WHOSE LAWS PREVENT YOU FROM TAKING FULL RESPONSIBILITY AND RISK FOR YOUR USE OF THE PLATFORM IN ACCORDANCE WITH THESE TERMS AND CONDITIONS, CBI TECHNOLOGIES’S LIABILITY IS LIMITED TO THE GREATEST EXTENT ALLOWED BY THE LAW OF THAT JURISDICTION. 

  

14. Governing Law and Jurisdiction 

CBI Technologies operates the Platform from its offices in Nigeria. These Terms and Conditions and the transactions they contemplate, including without limitation their interpretation, construction, performance and enforcement shall be governed by the laws of the Federal Republic of Nigeria. without reference to conflict or choice of law provisions, as applicable to contracts made and performed entirely within such State. The International Convention on the Sale of Goods, and other international treaties that are not mandatory with respect to contracts made and performed entirely in Nigeria, shall not apply. The exclusive forum for the resolution of any dispute relating to these Terms and Conditions shall be courts in Nigeria, and you agree to personal jurisdiction of such courts over you with regard to any dispute relating to these Terms and Conditions and agree to service of process on you by e-mail to the address you have submitted on the Platform, if any, and by any other means permitted by law. 

  

15. Notice  
All notices, demands, or consents given by you under these Terms and Conditions will be in writing and will be deemed given when delivered to CBI Technologies at the following contact: Plot 1, Emperor Baywood Close, Anthony Village, Lagos, Nigeria. Any notices to you may be made via either e-mail or postal mail to the address in CBI Technologies’s records or via positing on the Platform. Please report any violations of these Terms and Conditions to CBI Technologies at the contact listed above. 

  

16. Miscellaneous 

You may not assign, sublicense or otherwise transfer any of your rights under these Terms and Conditions. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of that provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. Headings in these Terms and Conditions are for convenience only and shall have no legal meaning or effect. No action arising under this Agreement may be brought at any time more than twelve (12) months after the facts occurred upon which the cause of action arose. These Terms and Conditions, and not the conduct between us or any trade practice, shall control the interpretation of these Terms and Conditions between the parties respecting the Platform. CBI Technologies’s failure to enforce a particular provision of these Terms and Conditions does not mean that CBI Technologies waives the right to enforce it in the future; CBI Technologies shall waive such a right only in writing. These Terms and Conditions and all other written agreements duly executed between you and CBI Technologies in connection with your use of the Platform constitute the entire agreement between you and CBI Technologies with respect to the subject matter hereof and supersede any prior or contemporaneous proposals, discussions, communications, or oral agreements heretofore made. 

  

17. Procedure for Making Claims of Copyright Infringement 

If you believe that your work has been copied in the Content in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below. 

a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; 

b) A description of the copyrighted work that you claim has been infringed; 

c) A description of where the material that you claim is infringing is located on the Platform; 

d) Your address, telephone number and email address; 

e) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and 

f) A statement by you, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner, or are authorized to act on behalf of the owner, of an exclusive right that is allegedly infringed. 

Our copyright agent for notice of claims of copyright infringement on the Platform can be reached as follows: 

If you want to send any notice under these Terms or have any questions regarding the Service, you may contact us at: 

 

Attn: CBI TECHNOLOGIES LTD. 

Address: Plot 1, Emperor Baywood Close,

Anthony Village, Lagos, Nigeria. 

Phone: 234-806-0976-374 

Email: info@cbitechnologiesltd.com  

 

Last updated: 27 June, 2025