Terms and Conditions

This Platform (as defined below) is operated by Mizala Inc (“Mizala”), an information and communication technology company that deploys technology solutions for the benefits of several organisations across Nigeria. MizalaTech Staff (Lekki) Cooperative Multipurpose Society Limited (the “Cooperative”) is a cooperative society registered under the Cooperative Societies Law of Lagos State with the main purpose to achieve economic advancement and breakthrough of its members by ensuring that economic welfare of the members are adequately protected, including protecting the members against the occurrence of possible eventuality, financial protection, amongst others. In achieving the economic breakthrough and advancement of the members of the Cooperative, the Cooperative sources for and identify opportunities which it offers to its members for their joint participation. The Cooperative also permits members to source for such opportunities and present same for the joint participation of other willing members, under the supervision of the Cooperative. Further to the foregoing and in an attempt of the Cooperative to leverage technology and fully digitalise its processes, the Cooperative executed a Service Level Agreement with Mizala Inc (“Mizala”) for the deployment of this Platform to digitalise the processes of the Cooperative, including onboarding members, registration of members, virtual communication amongst members, receiving of contributions and dues from members through the Platform, listing several economic opportunities sourced and requested by the Cooperative to be made available for the benefit of the members. The essence of the deployment of the Platform by Mizala for the Cooperative is to ensure that the traditional process and relationship between members of a cooperative and the cooperative is fully digitalised for the benefit of the Cooperative and its members. The Platform, Mizala Logo, branding and other works in respect of which intellectual property rights may subsist shall remain the intellectual property of Mizala and the rights in those works shall remain vested in Mizala

1. ACCEPTANCE OF TERMS AND CONDITIONS.
  • Introduction: These terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms”) govern your access, download and use of the Platform, including any content, component, functionality and/or service offered on or through the Platform. “Platform” shall refer to all the information and telecommunication technology owned, controlled and deployed by Mizala Inc (“Company” or “Mizala” or “we” or “our” or “us”), including but not limited to the website located at p2p.mizala.co, mobile or web application, whatsapp, telegram or other instant messaging application, etcetera for the benefit of the Cooperative and the purpose of its members. All reference to “you” or “your”, as applicable, mean a user and/or the Person who accesses, uses and/or participates in Platform in any manner, and such Person’s heirs, assigns, and successors. If you use the Platform on behalf of an entity, “you” or “your,” as applicable, means that entity and its affiliates and their respective directors, officers, employees, and agents.
  • Acceptance of these Terms. BY USING OR DOWNLOADING OR ACCESSING OR USING THE PLATFORM YOU INDICATE YOUR AGREEMENT TO BECOME A MEMBER OF THE COOPERATIVE AND ACCEPTANCE OF THE FOLLOWING TERMS ON YOUR OWN BEHALF AND ON BEHALF OF ANY ORGANIZATION YOU REPRESENT. IN AGREEING TO BE A MEMBER OF THE COOPERATIVE, YOU AGREE THAT MIZALA OBTAINS AND PROCESSES YOUR PERSONAL DATA FOR THE PURPOSE OF TRANSMITTING SAME TO THE COOPERATIVE. THE CONSTITUTION AND BYE-LAWS ARE ACCESSIBLE AT [p2p.mizala.co/bye-laws], AND YOU AGREE TO BE BOUND BY THE TERMS CONTAINED IN THE CONSTITUTION AND BYE-LAWS, WHICH ARE INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS (OR ANY UPDATES TO OR MODIFIED VERSIONS THEREOF), YOU SHOULD DISCONTINUE USE OF PLATFORM IMMEDIATELY.
  • Your Duty to Regularly Review these Terms. Your use of Platform is governed by the version of the Terms in effect on the date Platform is accessed by you. Company may modify these Terms at any time and without notice. You should review the most current version of these Terms by regularly visiting Platform and clicking on the Terms and Conditions hyperlink.
  • Third-Party Provider Services. The Platform may offer you the option to enter into relationships and agreements with Third-Party Providers for access to additional services, As a condition to having access to those Third-Party Provider services, you may be required to enter into various agreements with a Third-Party Provider such as, for example, any service or account agreements. Provided that Mizala does not make any representation as to the expertise or qualification of any Third-Party Provider and shall not have any liability that may arise pursuant to your engagement, arrangement or agreement with the Third-Party Provider
2. GENERAL
  • The Platform may include or make available certain content (the “Content”), which includes, without limitation: account positions, balances, transactions, confirmations, and order history; company names, logos, product and service names, trade names, trademarks and services marks (collectively, “Marks”) owned by Company, and Marks owned by Third-Party Providers (defined below), and any other information, content, services, or software. Certain Content is supplied, distributed, provided or delivered by a Third-Party Provider (the “Third-Party Content”) such as information, services or software, made available by, through or on the Platform.
3. LEGAL AGE:
  • You must be at least 18 years of age to become a user of the Platform. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into, and abide by, the contract created by these Terms of Use.
4. ACCOUNTS:
  • To gain access to the advantages and the benefits offered by the Cooperative, you are to sign-up on the Platform, and which sign up means you agree to be a member of the Cooperative, which would require the provision of certain personally identifiable information, including but not limited to your name, your phone number, your address, your email address, etcetera (“Client information”). You will select your own password at the time of registration, and you agree that:
    • You are eighteen years of age and otherwise comply with applicable law;
    • You will not use a username (or e-mail address) that is already being used by someone else, or that infringes the intellectual property or other right of any person or entity, or is offensive;
    • You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process;
    • You are solely responsible for all activities that occur under your Account, password, and username;
    • You are solely responsible for maintaining the confidentiality of your password and for restricting access to your mobile device so that others may not access any password protected portion of Platform using your name, username, or password;
    • You will immediately notify us of any unauthorized use of your Account, password, or username, or any other breach of security; and
    • You will not sell, transfer, or assign your account or any Account rights.
  • OPTING TO CREATE AN ACCOUNT ON THE PLATFORM, SATISFIES THAT YOU HAVE ACCEPTED ALL OUR TERMS AND CONDITIONS AND AGREED TO BE A MEMBER OF THE COOPERATIVE.
  • If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms or any applicable law, then we may suspend or terminate your account without recourse to you. You agree that you will make available upon request, up to date identification and any other additional information, in order to keep it true, accurate and current. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits – all in our sole discretion, for any reason, with or without notice to you and without liability
5. MEANS OF ACCESS:
  • The Platform can also be viewed on a device with internet access or a mobile device with an Android or iOS operating system. Although you may use other means to access the Platform, be aware that the Platform may not appear accurately through other access methods. You also agree that you use the devices or access the Platform only at your own risk.
6. ACCOUNT SECURITY:
  • You are responsible for ensuring the safety of your Account. You must install the latest version of any mobile applications that we publish from time to time. These updates often include improved security or fixes for recently discovered vulnerabilities. We will take reasonable steps consistent with our legal duties to protect your Company Account and secure it, however we are not liable for security breaches that may occur where we have complied with those obligations.
7. PLATFORM AVAILABILITY:
  • While we have put resources into building and testing our application, glitches, slowdowns, and crashes may occur. We will also need to restrict access to some parts of our Platform to perform routine maintenance. We will try to schedule our maintenance during the middle of the night. While it is our intention that our website will be available seven days a week except when maintenance is scheduled (usually for weekends or any other day in the case of an emergency), you understand that we do not guarantee that you will always be able to access the Platform.
8. PRODUCT AVAILABILITY:
  • You understand that there will be various opportunities on the Platform, which you understand are as furnished by the Cooperative. You understand that the products are only available to individuals who create an account and provide the necessary registration requirements for the Platform and membership of the Cooperative. You understand that we reserve the right to modify or change our Platform or, where prompted by the Company, change any of the offerings or process by the Cooperative, temporarily or permanently with or without prior notice to you.
9. NO RECOMMENDATIONS OR ADVICE:
  • You are solely responsible for evaluating the merits and risks associated with the use of any Content provided through the Platform before making any decisions based on such Content. You agree not to hold the Company or any Third-Party Provider liable for any possible claim for damages arising from any decision you make based on the Content or other information made available to you through the Platform or any Third-Party Provider. Past performance data should not be construed as indicative of future results. You understand that the Company is a mere agent only deploying the Platform for the use of the Cooperative, and your claims under any case whatsoever shall only lie against the Cooperative and not the Company.
10. EXECUTION OF ORDERS:
  • All transactions on the Platform are communicated by the Company to the Cooperative and the decision to accept to reject same is at the sole discretion of the Cooperative.
11. ORDER CANCELLATION/MODIFICATION:
  • You acknowledge that it may not be possible to cancel/ modify an order and that you are responsible for executions notwithstanding a cancel/modify request.
12. PROTECTION CLAUSE:
  • Mizala undertakes, to the extent required under law, to protect the privacy of all information provided by members except in instances of disclosure to the Cooperative and to law enforcement agencies and or statutory agencies to assist in the prevention or detection of fraud or other criminal activities.
13. CONTACT:
  • If you require help or have questions or complaint about the Platform, please email [email protected]
14. WARRANTIES, DISCLAIMERS AND LIMITATIONS OF LIABILITY
  • YOUR WARRANTIES:

    You represent and warrant to Mizala that

    • all information, including, without limitation, personal information, that you provide to us is accurate and truthful,
    • you have the authority to share the information with us and to grant us the right to use the information as provided in these Terms of Use and Privacy Policy,
    • your acceptance and use of the Platform pursuant to these Terms of Use does not violate any applicable law or other contract or obligation to which you are a party or are otherwise bound, and
    • the Materials do not infringe the intellectual property rights, including any copyrights, trademarks, trade secrets, right of privacy, or right of publicity, of any person.
  • DISCLAIMER OF WARRANTIES

    THE COMPANY MAKES NO WARRANTIES. THE COMPANY RESERVES THE RIGHT TO RESTRICT OR TERMINATE YOUR ACCESS TO THE PLATFORM AND THE RESPECTIVE CONTENT OR ANY FEATURE OR PART THEREOF AT ANY TIME. IF YOU DOWNLOAD THE PLATFORM OR ANY CONTENT FROM THIS PLATFORM, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT.

  • LIMITATION OF LIABILITY.

    COMPANY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, DIRECT, OR INDIRECT DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, TRADING LOSSES OR DAMAGES THAT RESULT FROM USE OR LOSS OF USE OF PLATFORM AND THIRD-PARTY CONTENT, INCONVENIENCE OR DELAY). THIS IS TRUE EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. COMPANY WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS RESULTING FROM A CAUSE OVER WHICH SUCH COMPANY DOES NOT HAVE DIRECT CONTROL. THIS INCLUDES FAILURE OF ELECTRONIC OR MECHANICAL EQUIPMENT OR COMMUNICATIONS LINES (INCLUDING TELEPHONE, CABLE AND INTERNET), UNAUTHORIZED ACCESS, VIRUSES, THEFT, OPERATOR ERRORS, SEVERE OR EXTRAORDINARY WEATHER (INCLUDING FLOOD, EARTHQUAKE, OR OTHER ACT OF GOD), FIRE, WAR, INSURRECTION, TERRORIST ACT, RIOT, LABOR DISPUTE AND OTHER LABOR PROBLEMS, ACCIDENT, EMERGENCY OR ACTION OF GOVERNMENT. IF YOU LIVE IN A JURISDICTION THAT DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SOME OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

  • Miscellaneous

    • This Terms is governed by the laws of the Federal Republic of Nigeria
    • You agree to the provision of this Terms in English and represents that you understand its terms and conditions. This Terms contains the entire agreement between the parties, who have made no other representations or warranties. If any provision of this Terms is unenforceable, it shall not invalidate other provisions. Failure of the Company to enforce any term or condition of this Terms is not a waiver of the term/condition
    • You consent to recording of all telephone conversations with the Company. You acknowledge the Company’s Privacy Policy and consents to collection/use of your information as described therein.
    • You authorize the Company, directly or through third parties, to make any inquiries that the Company considers necessary to discharge its functions to the Cooperative, including the registration and onboarding of members of the Cooperative.

Last updated on 4th April 2022

© Mizala Inc, 2022 All rights reserved

Terms & ConditionsPrivacy Policy