Wherever the following words and phrases appear in these Terms and Conditions, they shall have the following meanings:

• “Data Subject” means an identifiable person — one who can be identified directly or indirectly by reference to an identification number or to specific information provided by them in accordance with these Terms and Conditions.
• “Personal Information” means data relating to a Data Subject which is collected to enable you to use the Platform, including Bank Verification Number (BVN) data collected for the purpose of effecting a transaction on the Platform.
• “Platform” means this electronic portal or the Revve app.
• “Terms and Conditions” means the terms and conditions contained within this electronic document.
• “You” means the person using this Platform in accordance with these Terms and Conditions, and “your” shall be construed accordingly.

To use this Platform, you must:

• Be 18 years of age or older. If you are under 18, you access the Platform at your own risk and warrant that you have been advised accordingly and are acting under the direction of a parent or guardian.
• Have a valid email address and contact telephone number.
• Be resident in a jurisdiction where this Platform, or any part of it, is not restricted.
• If you are a corporate entity, be a company registered under the laws of the jurisdiction where the Platform is being used.

You hereby confirm that, in consideration of Revve providing you access to the Platform, you have read, understood, and agreed to be bound by these Terms and Conditions each time you access this Platform.

By registering on this Platform, you warrant to Revve that all information you provide is true, complete, and accurate in all respects. Revve will take all information supplied via this Platform at face value and shall not be responsible for any inaccurate, untrue, or false information, or any information supplied under false pretences.

If your registration application is accepted, you agree to receive marketing and promotional materials by email broadcast, unless you have opted not to receive such materials, and you consent to Revve using your registration details in connection with the activities described on this Platform.

Your consent to receive marketing and promotional materials electronically will remain in effect until you revoke it. To unsubscribe or revoke your consent, use the unsubscribe option available on the Platform. Please note it may take some time for us to update our records to reflect your new preferences.

You must update your details on the Platform (including any change to your email address) immediately whenever such a change occurs.

Revve retains your Personal Information for periods determined using the following criteria:

• How long you have been using the Platform, the products or services we provide you, and when you are expected to stop being our customer.
• After you stop using the Platform, how long it is reasonable for us to retain your records to demonstrate that we have met our obligations to you and under law.
• Any applicable time limits for making a claim.
• Any retention periods set by law or recommended by relevant regulators, professional bodies, or associations, or that reflect best practice.
• The nature of any contract we have in place with you.
• The terms of any consent you have given.
• Any relevant legal proceedings that apply.
• Our legitimate interests as a business.

In respect of your Personal Information held by us, you may at any time contact us to:

• Where allowable, see what Personal Information we hold about you, if any.
• Change or correct any Personal Information we hold about you, subject to your providing the required documentation and where it is within your ability to make the change.
• Where allowable, and subject to Revve's data retention obligations set out above, have us delete any Personal Information we hold about you.
• Request the contact details of our data protection officer, where applicable.
• Where allowable, request information on the purpose of the processing and the legal basis for it.
• Where allowable, request information about our legitimate interests, where processing is based on the legitimate interests of Revve or a third party.

You are responsible for the following:

• You confirm that you have read these Terms and Conditions and the Privacy Notice, and agree to be bound by them every time you access this Platform.
• You shall not, and shall not attempt to, decompile, reverse-engineer, translate, convert, adapt, alter, modify, enhance, add to, delete, or in any way tamper with, or gain unauthorized access to, any part of this Platform, any related services, or any software comprised within them.
• You shall not, and shall not attempt to, copy, reproduce, republish, frame, upload to a third party, transmit, or distribute the whole or any part of this Platform.
• You shall not send, submit, post, or otherwise transmit material or messages containing a software virus or any other files designed to interrupt, destroy, or negatively affect, in any manner, any electronic equipment connected with the use of the Platform, or other Users' ability to use the Platform.
• You shall not conduct any systematic or automated data collection activities (including scraping, data mining, data extraction, and data harvesting) on or in relation to the Platform without Revve's express written consent.

Revve shall not be liable to you for any loss or damage you may suffer or incur as a result of your use of the Platform, unless such loss or damage results directly from Revve's fraud or wilful default.

If you fail to comply with any provision of these Terms and Conditions and such non-compliance results in loss or damage to Revve, you agree to compensate Revve for that loss and/or damage.

Any limitation or exclusion of liability under these Terms and Conditions shall be valid only to the extent permitted by law.

You understand and agree that you are responsible for maintaining the confidentiality of your User ID and password at all times.

Revve reserves the right to make changes to any part of the Platform, and to suspend or terminate its operation at any time, for purposes of support and maintenance, or to update the information contained on the Platform, or these Terms and Conditions, in order to improve or streamline the services it offers. Should these Terms and Conditions be amended, Revve will publish details of the amendments on the Platform.

By using this Platform, you agree to be bound by these Terms and Conditions and to periodically visit the Platform to review the terms of use then in effect.

• If any part of these Terms and Conditions is found to be legally unsound or unenforceable, this will not affect the validity of the remaining terms.
• If we relax any of these Terms and Conditions on one occasion, whether on a temporary basis or as a special case, this will not affect our right to strictly enforce that term at any other time.

You agree to indemnify and hold harmless Revve and its officers, agents, and employees from and against any and all claims, demands, costs, damages, and/or penalties arising out of any failure by you, or any agent acting on your behalf, to observe these Terms and Conditions, or arising from your use, or such agent's use, of any information or images provided on this Platform.

• The content contained on this Platform (“Revve Content”), including but not limited to text, data, audio, video, programming, functionality, software, source code, graphics, photographs, databases, illustrations, artwork, names, logos, designs, button icons, scripts, trademarks, trade dress, service marks, domain names, service names, and information relating to Revve and its activities — whether registered or unregistered — is owned by, and is the intellectual property of, Revve, and is subject to copyright and other intellectual property rights under the laws of Canada and applicable international conventions.
• Unauthorized use or exploitation of Revve Content on the Platform may violate copyright, trademark, and other applicable intellectual property and proprietary laws in force in Canada and/or elsewhere, and may result in criminal or civil penalties.
• All trademarks, service marks, logos, and other marks are used for the benefit of their respective owners and are not intended to infringe the trademark rights of any such owner.

Revve may allow third parties to place advertisements on the Platform. Third-party advertisements are clearly labelled as such and may be chargeable. Revve does not endorse, and is not responsible for, the content of any third-party advertisement on this Platform or otherwise.

Access to this Platform, or any part of it, may be restricted under relevant laws in certain jurisdictions. By using this Platform, you confirm certain matters — including that you are not resident in such a jurisdiction — before you may obtain access to the information on this Platform or any area of it.

Revve may engage in activities involving the automated processing and/or profiling of information you provide to us. You hereby consent that, in circumstances not otherwise covered above, Revve may engage in the automated processing and/or profiling of your information in respect of the services for which you provided your Personal Data.

• Referral Program Overview. Our referral program allows Users to earn referral bonuses and transfer rewards by inviting new customers to use the app. Referral costs and bonuses are as set out on the referral page of the Revve mobile app. These bonuses and rewards are subject to the specific terms in this policy and any additional terms published on the Platform (https://www.revveme.com/referrals-and-earnings/). The value, method of distribution, and conditions for earning these rewards are determined solely at Revve's discretion and may vary from time to time.
• Eligibility. Participation in the referral program is subject to eligibility criteria set by Revve. Revve reserves the right to verify participants and the validity of referred customers before issuing referral bonuses and transfer rewards.
• Program Modifications. Revve reserves the right to modify, suspend, or terminate the referral program at any time, with or without prior notice, including changing the value of referral bonuses and transfer rewards, adjusting eligibility criteria, or ceasing to offer rewards entirely.
• Fraud and Abuse. Any attempt to manipulate, exploit, or abuse the referral program may result in disqualification from the program, forfeiture of rewards, and potential suspension or termination of your account.
• No Guarantee of Payment. Referral bonuses and transfer rewards are not guaranteed and are subject to verification by Revve. Revve may withhold or revoke rewards if it determines they were earned in violation of these terms or through fraudulent or deceptive means.
• Acceptance of Terms. By participating in the referral program, you agree to these terms and any modifications or updates Revve may make. Continued participation after changes to the referral program constitutes acceptance of those changes.

Full terms for the referral program are set out in Revve's Referral & Rewards Terms and Conditions.

Due to the nature of digital financial services, money transfer services, bill payment services, and marketplace-enabled payment transactions made through the Platform may become final and irreversible once they have been processed, paid out, settled, fulfilled, or completed.

You may request cancellation of a transaction only before it has been processed, paid out, settled, fulfilled, or otherwise completed. Where a cancellation request is received in time and Revve is reasonably able to stop the transaction, Revve may cancel it and refund the applicable amount to the original funding source or wallet, less any non-recoverable third-party charges, processing fees, foreign exchange losses, bank charges, partner charges, merchant charges, or compliance review costs already incurred.

No refund, cancellation, reversal, or return shall be available where:

• The transaction has already been successfully processed, paid out, fulfilled, settled, or completed.
• Incorrect beneficiary, wallet, bank account, mobile money, merchant, invoice, or payment details were supplied by you.
• Delays, failures, or losses arise from third-party financial institutions, merchants, service providers, payment processors, telecom providers, regulators, or events beyond Revve's reasonable control.
• The transaction is placed on hold, suspended, reversed, or declined for compliance, fraud-prevention, sanctions-screening, anti-money-laundering, legal, or regulatory reasons.
• You have breached these Terms of Use or any applicable law.

Where Revve determines that a transaction failed due to an error directly attributable to Revve, or where funds were received by Revve but the transaction could not be completed, Revve shall use reasonable efforts to return the relevant funds to you, subject to applicable law, compliance requirements, and deduction of any irrecoverable third-party costs where applicable.

For goods and services purchased from third-party merchants, vendors, schools, billers, or service providers through the Platform, any return, exchange, cancellation, complaint, or service-performance issue shall be subject to the policy of the relevant merchant or service provider, unless expressly stated otherwise on the Platform. Revve acts only as a payment and/or technology facilitator in such transactions and does not warrant the quality, fitness, legality, delivery, non-delivery, or returnability of third-party goods or services.

Refund requests and cancellation enquiries must be submitted through Revve's official customer support channels, together with sufficient transaction details and any information reasonably requested for investigation. Revve reserves the right to investigate all requests and to require identity verification, transaction evidence, or supporting documentation before making any determination.

Any approved refund shall be processed within a reasonable time, subject to the processing timelines of banks, card issuers, wallet providers, payment processors, merchants, and other third parties involved in the original transaction.

These Terms of Use, and any dispute, claim, or controversy arising out of or relating to these Terms of Use, the Platform, or any services provided through the Platform, shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

You irrevocably agree that the courts located in Ontario, Canada shall have exclusive jurisdiction over any dispute, claim, or controversy arising out of or relating to these Terms of Use, the Platform, or any services provided through the Platform.

Nothing in this clause shall limit Revve's right to seek injunctive, interlocutory, or equitable relief in any jurisdiction where such relief is reasonably necessary to protect its rights, confidential information, intellectual property, business interests, or to enforce compliance obligations.

Our customer contact is hello@revveme.com. We will endeavour to respond to enquiries or issues sent to this contact within 48 hours.