Terms and Conditions

1.0      SCOPE

1.1       STASH IS AN AUTOMATED SAVINGS SERVICE THAT HELPS PEOPLE SAVE MONEY USING PREDETERMINED SAVINGS PRODUCTS DIVIDED INTO REGULATED OR UNREGULATED INTERVALS. BY USING THIS WEBSITE (THE "WEBSITE") AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS AND/OR REGISTERING AN ACCOUNT, YOU (HEREIN "YOU" OR THE "END USER") EXPRESSLY AGREE TO THE TERMS AND CONDITIONS PROVIDED HEREIN. IF YOU DO NOT WISH TO AGREE TO THE TERMS AND CONDITIONS (HEREIN THE "TERMS OF USE" OR "AGREEMENT"), PLEASE REFRAIN FROM USING THIS WEBSITE AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS.

1.2      IN THIS AGREEMENT, STASH AND STASH FINTECH LIMITED SHALL BE USED INTERCHANGEABLY TO REFER TO BOTH STASH FINTECH LIMITED AND THE STASH WEBSITE, PLATFORM AND APPLICATION. STASH RESERVES THE RIGHT TO MAKE ANY CHANGES TO THESE TERMS AND CONDITIONS AND ANY OF ITS COMPONENTS AS DEEMED NECESSARY OR DESIRABLE WITHOUT PRIOR NOTIFICATION TO YOU. WE SUGGEST THEREFORE, THAT YOU REVIEW THIS SECTION FROM TIME TO TIME IN ORDER TO STAY INFORMED AS TO ANY SUCH CHANGES. BY YOUR CONTINUED USE OF OUR WEBSITE, YOU EXPRESSLY AGREE TO THE CONDITIONS STATED IN THE TERMS AND CONDITIONS OF USE.

1.3      BY CREATING A STASH ACCOUNT, YOU AGREE TO BE A MEMBER OF STASH FINANCE COOP LTD AND TO ABIDE BY THE RULES, REGULATIONS AND GUIDELINES AS MAY BE PRESCRIBED BY THE MANAGEMENT OF STASH FINANCE COOP LTD.

1.4      IN THE EVENT OF A MULTI-PARTY OR JOINT ACCOUNT, YOU AGREE THAT ONE ACCOUNT HOLDER INDICATING HIS/HER ACCEPTANCE OF THE AGREEMENT SHALL BE DEEMED ACCEPTANCE OF THE AGREEMENT BY ALL ACCOUNT HOLDERS.

1.5      BY CREATING AN ACCOUNT, YOU CONFIRM THAT YOU HAVE READ THE AGREEMENT AND ANY/ALL INFORMATION YOU HAVE PROVIDED OR THAT HAS BEEN OR WILL BE PROVIDED BY YOU OR ON YOUR BEHALF, IN RELATION TO YOUR ACCOUNT OR THE TRANSACTIONS IN YOUR ACCOUNT, IS/ARE TRUE AND ACCURATE.

 

2.0      CONTRACTUAL OBLIGATIONS

2.1      BY CREATING A DEBIT ORDER ON THIS WEBSITE OR ANY OF OUR SISTER WEBSITES AND/OR APPLICATIONS, YOU MAKE AN OFFER TO US FOR THE PURCHASE OF THE SAVINGS PRODUCTS YOU HAVE SELECTED, SUBJECT TO THE STATED TERMS OF PURCHASE AND ON THE TERMS AND CONDITIONS STATED BELOW.

2.2      YOU ARE REQUIRED TO CREATE AN ACCOUNT AND SELECT OR CREATE A CORRESPONDING SAVINGS PRODUCT IN ORDER TO SAVE THROUGH OUR WEBSITE, RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS. THIS IS REQUIRED SO WE CAN PROVIDE YOU WITH EASY ACCESS TO CREATE, MONITOR, EDIT AND PRINT YOUR STATEMENT, VIEW YOUR TRANSACTION HISTORY, TRACK YOUR PROGRESS AND MODIFY YOUR PREFERENCES.

2.3      A DEBIT ORDER IS PLACED AFTER YOU HAVE CHOSEN YOUR PREFERRED SAVINGS PRODUCT. AFTER YOU HAVE PLACED A DEBIT ORDER WITH US BY CLICKING THE “START” BUTTON, YOU WILL RECEIVE AN EMAIL AND A TEXT MESSAGE CONFIRMING THE EXACT DETAILS OF YOUR DEBIT ORDER. SHOULD YOU NOT RECEIVE AN ACKNOWLEDGMENT WITHIN 3 WORKING DAYS, PLEASE CONTACT OUR STASH FINTECH LIMITED CUSTOMER CARE TEAM.

2.4      THE ACCEPTANCE OF YOUR DEBIT ORDER AND THE CREATION OF A CONTRACTUAL RELATIONSHIP BETWEEN YOU (THE END USER) AND STASH FINTECH LIMITED WILL BE EFFECTED WHEN YOUR ACCOUNT IS DEBITED AND OUR ACCOUNT HAS BEEN CREDITED.

2.5      YOU CANNOT USE YOUR STASH ACCOUNT TO WITHDRAW CASH, MAKE PURCHASES, INITIATE OR RECEIVE TRANSFER FUNDS TO THIRD PARTIES, OR FOR ANY OTHER PURPOSE. YOU BEAR THE SOLE RESPONSIBLE FOR ALL DEBIT ODERS FROM YOUR DEBIT CARD AND THE FUNDS MAINTAINED IN YOUR STASH ACCOUNT. STASH IS NOT RESPONSIBLE FOR ANY THIRD-PARTY FEES THAT MAY BE INCURRED AS A RESULT OF USING ADDITIONAL SERVICES OFFERED BY ANY OF OUR PARTNERS, AFFILIATES OR SUBSIDIARIES, INCLUDING, BUT NOT LIMITED TO, THIRD-PARTY FEES

3.0      WARRANTIES AND INDEMNITIES,

3.1      STASH FINTECH LIMITED TAKES NO RESPONSIBILITY AND MAKES NO WARRANTY TO YOU (THE END USER) FOR THE QUALITY, SAFETY, USABILITY OR OTHER ASPECT OF THE PRODUCT OR SERVICE OR FOR ANY AFTER SALES OR VALUE ADDED THE SERVICES OR PRODUCTS SOLD BY STASH FINTECH LIMITED AND ANY OF OUR ASSOCIATES OR APPLICATIONS AND SISTER WEBSITES SAVE AS STATED ON THIS WEBSITE. YOU, THE END USER TAKE RESPONSIBILITY FOR YOUR ACTIONS IN PURCHASING THE PRODUCTS OR UTILIZING THE SERVICES AVAILABLE ON THIS WEBSITE.

3.1.1   THE INFORMATION CONTAINED ON THE STASH AND STASH FINTECH LIMITED WEBSITE, AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS IS NOT INTENDED TO CONSTITUTE FINANCIAL ADVICE. NEITHER STASH FINTECH LIMITED, NOR ITS EMPLOYEES, STAFF, AGENTS, PRIVIES PROVIDES FINANCIAL, COMMERCIAL, ECONOMIC OR MONETARY ADVICE. STASH DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES, OR GUARANTEES OF ANY KIND THAT THE SERVICES PROVIDED BY STASH ARE APPROPRIATE FOR YOU. YOU MAY WISH TO CONSULT A FINANCIAL ADVISER PRIOR TO CREATING A STASH ACCOUNT OR UTILIZING STASH SERVICES, AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS

3.2      LIMITATION OF LIABILITY

3.2.1   YOU, THE END USER EXPRESSLY AGREE THAT USE OF THIS WEBSITE AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS IS AT END USER'S SOLE RISK. NEITHER STASH FINTECH LIMITED, IT’S AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS NOR ITS LICENSORS WARRANT THAT USE OF THE WEBSITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO

  1. THE RESULTS THAT MAY BE OBTAINED FROM USE OF THIS WEBSITE, OR
  2. THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE OR MERCHANDISE PROVIDED THROUGH THIS WEBSITE AND/OR ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS

3.2.2  THIS WEBSITE AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS ARE MADE ACCESSIBLE ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

3.2.3  IN NO EVENT SHALL STASH FINTECH LIMITED, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THIS WEBSITE OR THE CONTENTS HEREOF, INCLUDING ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS AND ANY SOFTWARE, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THIS WEBSITE. END USER HEREBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THIS WEBSITE AND RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS.

3.2.4  THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. END USER SPECIFICALLY ACKNOWLEDGES THAT STASH FINTECH LIMITED IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD-PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH END USER.

3.2.5  IN ADDITION TO THE TERMS SET FORTH ABOVE, NEITHER STASH FINTECH LIMITED, NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN THIS WEBSITE OR ANY OF RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE END USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING WITHOUT LIMITATION LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES.

3.2.6  STASH FINTECH LIMITED IS NOT RESPONSIBLE FOR ANY CONTENT THAT A USER, SUBSCRIBER, OR AN UNAUTHORIZED USER MAY POST ON THIS WEBSITE OR ANY OF ITS SISTER WEBSITES. ANY CONTENT THAT IS POSTED OR UPLOADED OR THAT IS OR MAY BE DEEMED UNSUITABLE CAN AND MAY BE TAKEN DOWN BY STASH FINTECH LIMITED. MOREOVER, STASH FINTECH LIMITED RESERVES THE RIGHT TO EDIT, CHANGE, ALTER, DELETE AND PROHIBIT ANY AND ALL CONTENT THAT IT, STASH FINTECH LIMITED, DEEMS UNSUITABLE.

3.2.7  END USER AGREES TO DEFEND, INDEMNIFY AND HOLD HARMLESS STASH FINTECH LIMITED, ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS FROM AND AGAINST ALL CLAIMS AND EXPENSES, INCLUDING LEGAL FEES, ARISING OUT OF THE MISUSE OR ABUSE OF THIS WEBSITE AND/OR RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS BY END USER.

4.0      INTELLECTUAL PROPERTY

4.1      COPYRIGHT, TRADEMARKS, TRADE SECRETS AND PROPRIETARY INFORMATION

4.2      STASH IS A PRODUCT OF STASH FINTECH LIMITED, STASH, THE STASH LOGO CONSISTING OF A SHARP OUTLINE OF THE LETTER ‘S’ INFUSED WITH A SAFE BOX AND KEYHOLD, AND OTHER BRAND EXTENSIONS ARE REGISTERED TRADEMARKS OF STASH FINTECH LIMITED. EXCEPT AS OTHERWISE STATED ON THIS SITE, ALL OTHER INTELLECTUAL PROPERTY IS THE EXCLUSIVE PROPERTY OF STASH FINTECH LIMITED, OR USED WITH EXPRESS PERMISSION OF THE COPYRIGHT AND/OR TRADEMARK OWNER.

4.3      THE UNAUTHORIZED COPYING, DISTRIBUTING, TRANSMITTING, POSTING, LINKING, DEEP LINKING, OR OTHERWISE MODIFYING OF THIS WEBSITE OR ANY OF RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS WITHOUT THE EXPRESS WRITTEN PERMISSION OF STASH FINTECH LIMITED IS STRICTLY PROHIBITED. ANY VIOLATION OF THIS POLICY MAY RESULT IN A COPYRIGHT, TRADEMARK OR OTHER INTELLECTUAL PROPERTY RIGHT INFRINGEMENT ACTION THAT MAY EXPOSE END USER TO CIVIL AND / OR CRIMINAL PENALTIES.

4.4      THIS WEBSITE CONTAINS COPYRIGHTED MATERIAL, TRADEMARKS AND OTHER PROPRIETARY INFORMATION, EMBEDDED IN AND INCLUSIVE OF, BUT NOT LIMITED TO, TEXT, SOFTWARE, PHOTOS, VIDEO, GRAPHICS, MUSIC, SOUND, AND THE ENTIRE CONTENTS OF STASH FINTECH LIMITED PROTECTED BY NIGERIAN COPYRIGHT LAW  (THE COPYRIGHT ACT, LFN 2004), AND INTERNATIONAL TREATIES AND CONVENTIONS. STASH FINTECH LIMITED OWNS A COPYRIGHT IN THE SELECTION, COORDINATION, ARRANGEMENT AND ENHANCEMENT OF SUCH CONTENT, AS WELL AS IN THE CONTENT ORIGINAL TO IT. END USER MAY NOT MODIFY, PUBLISH, TRANSMIT, PARTICIPATE IN THE TRANSFER OR SALE, CREATE DERIVATIVE WORKS, OR IN ANY WAY EXPLOIT, ANY OF THE CONTENT, IN WHOLE OR IN PART WITHOUT THE EXPRESS WRITTEN PERMISSION FIRST OBTAINED IN WRITING FROM STASH FINTECH LIMITED. END USER MAY DOWNLOAD / PRINT / SAVE COPYRIGHTED MATERIAL FOR END USER'S PERSONAL USE ONLY. EXCEPT AS OTHERWISE EXPRESSLY STATED UNDER COPYRIGHT LAW, NO COPYING, REDISTRIBUTION, RETRANSMISSION, PUBLICATION OR COMMERCIAL EXPLOITATION OF DOWNLOADED MATERIAL WITHOUT THE EXPRESS PERMISSION OF STASH FINTECH LIMITED AND THE COPYRIGHT OWNER IS PERMITTED. IF COPYING, REDISTRIBUTION OR PUBLICATION OF COPYRIGHTED MATERIAL IS PERMITTED, NO CHANGES IN OR DELETION OF AUTHOR ATTRIBUTION, TRADEMARK LEGEND OR COPYRIGHT NOTICE SHALL BE MADE. END USER ACKNOWLEDGES THAT HE/SHE/IT DOES NOT ACQUIRE ANY OWNERSHIP RIGHTS BY DOWNLOADING COPYRIGHTED MATERIAL. TRADEMARKS THAT ARE LOCATED WITHIN OR ON THE WEBSITE OR A WEBSITE OTHERWISE OWNED OR OPERATED IN CONJUNCTION WITH STASH FINTECH LIMITED SHALL NOT BE DEEMED TO BE IN THE PUBLIC DOMAIN BUT RATHER THE EXCLUSIVE PROPERTY OF STASH FINTECH LIMITED, UNLESS SUCH WEBSITE IS UNDER LICENSE FROM THE TRADEMARK OWNER THEREOF IN WHICH CASE SUCH LICENSE IS FOR THE EXCLUSIVE BENEFIT AND USE OF STASH FINTECH LIMITED, UNLESS OTHERWISE STATED.

4.5      END USER SHALL NOT UPLOAD, POST OR OTHERWISE MAKE AVAILABLE ON THIS WEBSITE ANY MATERIAL PROTECTED BY COPYRIGHT, TRADEMARK OR OTHER PROPRIETARY RIGHT WITHOUT THE EXPRESS PERMISSION OF THE OWNER OF THE COPYRIGHT, TRADEMARK OR OTHER PROPRIETARY RIGHT.

4.6      STASH FINTECH LIMITED DOES NOT HAVE ANY EXPRESS BURDEN OR RESPONSIBILITY TO PROVIDE END USER WITH INDICATIONS, MARKINGS OR ANYTHING ELSE THAT MAY AID END USER IN DETERMINING WHETHER THE MATERIAL IN QUESTION IS COPYRIGHTED OR TRADEMARKED. END USER SHALL BE SOLELY LIABLE FOR ANY DAMAGE RESULTING FROM ANY INFRINGEMENT OF COPYRIGHTS, TRADEMARKS, PROPRIETARY RIGHTS OR ANY OTHER HARM RESULTING FROM SUCH A SUBMISSION. BY SUBMITTING MATERIAL TO ANY PUBLIC AREA OF THIS WEBSITE, END USER WARRANTS THAT THE OWNER OF SUCH MATERIAL HAS EXPRESSLY GRANTED STASH FINTECH LIMITED THE ROYALTY-FREE, PERPETUAL, IRREVOCABLE, NON-EXCLUSIVE RIGHT AND LICENSE TO USE, REPRODUCE, MODIFY, ADAPT, PUBLISH, TRANSLATE AND DISTRIBUTE SUCH MATERIAL (IN WHOLE OR IN PART) WORLDWIDE AND/OR TO INCORPORATE IT IN OTHER WORKS IN ANY FORM, MEDIA OR TECHNOLOGY NOW KNOWN OR HEREAFTER DEVELOPED FOR THE FULL TERM OF ANY COPYRIGHT THAT MAY EXIST IN SUCH MATERIAL. END USER ALSO PERMITS ANY OTHER END USER TO ACCESS, VIEW, STORE OR REPRODUCE THE MATERIAL FOR THAT END USER'S PERSONAL USE. END USER HEREBY GRANTS STASH FINTECH LIMITED THE RIGHT TO EDIT, COPY, PUBLISH AND DISTRIBUTE ANY MATERIAL MADE AVAILABLE ON THIS WEBSITE BY END USER.

4.7      IF END USER OR ANY USER OF THIS WEBSITE BELIEVES ITS COPYRIGHT, TRADEMARK OR OTHER PROPERTY RIGHTS HAVE BEEN INFRINGED BY CONTENT ON THE WEBSITE, END USER OR OTHER USER SHOULD SEND A NOTIFICATION TO THIS EFFECT TO STASH FINTECH LIMITED.

5.0      VICARIOUS LIABILITY

5.1      STASH FINTECH LIMITED NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE ON STASH FINTECH LIMITED BY ANYONE OTHER THAN AUTHORIZED STASH FINTECH LIMITED MANAGEMENT, EMPLOYEES AND/OR SPOKESPERSONS WHILE ACTING IN OFFICIAL CAPACITY. STASH FINTECH LIMITED WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY AN END USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THIS WEBSITE OR ANY OTHER MEDIUM FROM THE OPINIONS AND JUDGMENTS OF THE AN INDEPENDENT INFORMATION PROVIDER, END USER, OR OTHER USER NOT UNDER CONTRACT OR OTHER OBLIGATION WITH STASH FINTECH LIMITED. IT IS THE RESPONSIBILITY OF END USER TO EVALUATE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE, ETC., OR OTHER CONTENT AVAILABLE THROUGH STASH FINTECH LIMITED.

5.2      STASH FINTECH LIMITED CONTAINS LINKS TO THIRD PARTY WEBSITES MAINTAINED BY OTHER CONTENT PROVIDERS. THESE LINKS ARE PROVIDED SOLELY AS A CONVENIENCE TO YOU AND NOT AS AN ENDORSEMENT BY STASH FINTECH LIMITED OF THE CONTENTS ON SUCH THIRD-PARTY WEBSITES AND STASH FINTECH LIMITED HEREBY EXPRESSLY DISCLAIMS ANY REPRESENTATIONS REGARDING THE CONTENT OR ACCURACY OF MATERIALS ON SUCH THIRD-PARTY WEBSITES. IF END USER DECIDES TO ACCESS LINKED THIRD-PARTY WEBSITES, END USER DOES SO AT ITS OWN RISK. UNLESS YOU HAVE EXECUTED A WRITTEN AGREEMENT WITH STASH FINTECH LIMITED EXPRESSLY PERMITTING YOU TO DO SO, YOU MAY NOT PROVIDE A HYPERLINK TO THE WEBSITE FROM ANY OTHER WEBSITE. STASH FINTECH LIMITED RESERVES THE RIGHT TO REVOKE ITS CONSENT TO ANY LINK AT ANY TIME IN ITS SOLE DISCRETION.

6.0      JURISDICTION

6.1      ALL QUESTIONS WITH RESPECT TO THE CONSTRUCTION OF THIS AGREEMENT, AND THE RIGHT AND LIABILITIES OF THE PARTIES HERETO, SHALL BE GOVERNED BY THE LAWS OF THE FEDERAL REPUBLIC OF NIGERIA AND THE LAWS OF LAGOS STATE. THE PARTIES ALSO AGREE THAT THE VENUE FOR THIS AGREEMENT SHALL BE IN LAGOS STATE, NIGERIA.  THE PARTIES EXPRESSLY WAIVE ANY CLAIM TO JURISDICTION IN ANY FEDERAL OR OTHER STATE FORUM OR VENUE IN ANY OTHER COUNTY OR PLACE.  IN THE EVENT OF ANY CONTROVERSY, CLAIM OR DISPUTE BETWEEN THE PARTIES HERETO, INCLUDING, BUT NOT LIMITED TO, ANY ACTION AT LAW OR IN EQUITY, INCLUDING ANY ACTION FOR DECLARATORY OR INJUNCTIVE RELIEF, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE BREACH THEREOF, THE PREVAILING PARTY SHALL BE ENTITLED TO RECOVER FROM THE LOSING PARTY ALL OF ITS ACTUAL ATTORNEY'S FEES AND COSTS IN BRINGING, PROSECUTING, OR DEFENDING SAID ACTION.

7.0      PRIVACY & SECURITY

7.1       BY USING STASH FINTECH LIMITED AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, MOBILE APPS AND TOOLS AND/OR REGISTERING FOR SHOPPING ACCOUNT, YOU EXPRESSLY CONSENT TO OUR COLLECTION, USE, DISCLOSURE AND RETENTION OF YOUR PERSONAL INFORMATION AS DESCRIBED IN THIS PRIVACY POLICY AND IN OUR USER AGREEMENT.

7.2      YOUR PASSWORD IS THE KEY TO YOUR ACCOUNT. USE UNIQUE NUMBERS, LETTERS AND SPECIAL CHARACTERS, AND DO NOT DISCLOSE YOUR ACCOUNT PASSWORD TO ANYONE. IF YOU DO SHARE YOUR PASSWORD OR YOUR PERSONAL INFORMATION WITH OTHERS, REMEMBER THAT YOU ARE RESPONSIBLE FOR ALL ACTIONS TAKEN IN THE NAME OF YOUR ACCOUNT. IF YOU LOSE CONTROL OF YOUR PASSWORD, YOU MAY LOSE SUBSTANTIAL CONTROL OVER YOUR PERSONAL INFORMATION AND MAY BE SUBJECT TO LEGALLY BINDING ACTIONS TAKEN ON YOUR BEHALF. THEREFORE, IF YOUR PASSWORD HAS BEEN COMPROMISED FOR ANY REASON, YOU SHOULD IMMEDIATELY NOTIFY STASH FINTECH LIMITED AND CHANGE YOUR PASSWORD.

7.4      YOU CAN SEE, REVIEW AND CHANGE MOST OF YOUR PERSONAL INFORMATION BY SIGNING ON TO YOUR ACCOUNT ON WWW.STASH.NG OR ACCESSING YOUR ACCOUNT THROUGH OUR MOBILE APPLICATION OR ANY OTHER CHANNEL. GENERALLY, WE WILL NOT MANUALLY MODIFY YOUR PERSONAL INFORMATION BECAUSE IT IS VERY DIFFICULT TO VERIFY YOUR IDENTITY REMOTELY. YOU MUST PROMPTLY UPDATE YOUR PERSONAL INFORMATION IF IT CHANGES OR IS INACCURATE. ONCE YOU MAKE A PUBLIC POSTING, YOU MAY NOT BE ABLE TO CHANGE OR REMOVE IT. UPON YOUR REQUEST, WE WILL CLOSE YOUR ACCOUNT AND REMOVE YOUR PERSONAL INFORMATION FROM VIEW AS SOON AS REASONABLY POSSIBLE, BASED ON YOUR ACCOUNT ACTIVITY AND IN ACCORDANCE WITH APPLICABLE LAW. WE DO RETAIN PERSONAL INFORMATION FROM CLOSED ACCOUNTS TO COMPLY WITH LAW, PREVENT FRAUD, COLLECT ANY FEES OWED, RESOLVE DISPUTES, TROUBLESHOOT PROBLEMS, ASSIST WITH ANY INVESTIGATIONS, ENFORCE OUR USER AGREEMENT, AND TAKE OTHER ACTIONS OTHERWISE PERMITTED BY LAW.

7.5      IF YOU ACCESS OUR WEBSITES FROM A SHARED COMPUTER OR A COMPUTER IN AN INTERNET CAFÉ, CERTAIN INFORMATION ABOUT YOU, SUCH AS YOUR USER ID, ACTIVITY OR REMINDERS FROM STASH FINTECH LIMITED, MAY ALSO BE VISIBLE TO OTHER INDIVIDUALS WHO USE THE COMPUTER AFTER YOU.

7.6      SPAM

7.6.1   STASH FINTECH LIMITED DOES NOT TOLERATE SPAM. WE ADVISE THAT YOU SET YOUR BROWSER PREFERENCES. PLEASE REPORT SPAM OR SPOOF EMAILS TO STASH FINTECH LIMITED, FORWARD THE EMAIL TO SPAM@STASH.NG OR INFO@STASH.NG. YOU MAY NOT USE OUR COMMUNICATION TOOLS TO SEND SPAM OR OTHERWISE SEND CONTENT THAT WOULD VIOLATE OUR USER AGREEMENT. STASH FINTECH LIMITED RESERVES THE RIGHT TO SCAN AND MANUALLY FILTER MESSAGES, POSTS, COMMENTS AND REVIEWS TO CHECK FOR SPAM, VIRUSES, PHISHING ATTACKS AND OTHER MALICIOUS ACTIVITY OR ILLEGAL OR PROHIBITED CONTENT.

7.7      MOBILE DEVICES

7.7.1   WE MAY OFFER YOU THE ABILITY FOR YOU TO CONNECT WITH OUR WEBSITES, OR USE OUR APPLICATIONS, SERVICES AND TOOLS USING A MOBILE DEVICE, EITHER THROUGH A MOBILE APPLICATION OR VIA A MOBILE OPTIMIZED WEBSITE. THE PROVISIONS OF THIS PRIVACY POLICY APPLY TO ALL SUCH MOBILE ACCESS AND USE OF MOBILE DEVICES. THIS POLICY WILL BE REFERENCED BY ALL SUCH MOBILE APPLICATIONS OR MOBILE OPTIMIZED WEBSITES.

7.8      CHILDREN AND MINORS

7.8.1   THE STASH FINTECH LIMITED WEBSITE, AND ITS RELATED WEBSITES, APPLICATIONS, SERVICES, AND TOOLS ARE A GENERAL AUDIENCE WEBSITE, NOT INTENDED FOR CHILDREN AND MINORS UNDER THE AGE OF 18, OR BELOW THE STATUTORY AGE OF MAJORITY IN THE USER’S JURISDICTION. WE DO NOT KNOWINGLY COLLECT PERSONAL INFORMATION VIA OUR WEBSITES, APPLICATIONS, SERVICES OR TOOLS FROM USERS IN THIS AGE GROUP.

7.9      DATA SECURITY AND PRIVACY 

7.9.1   WE DO NOT SELL OR RENT YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR THEIR MARKETING PURPOSES WITHOUT YOUR EXPLICIT CONSENT. WE MAY COMBINE YOUR INFORMATION WITH INFORMATION WE COLLECT FROM OTHER COMPANIES AND USE IT TO IMPROVE AND PERSONALIZE OUR SERVICES, CONTENT AND ADVERTISING.

7.9.2  IF YOU DO NOT WISH TO RECEIVE MARKETING COMMUNICATIONS FROM US, YOU CAN INDICATE YOUR COMMUNICATIONS PREFERENCE IN YOUR STASH ACCOUNT, OR WITHIN THE DIRECT COMMUNICATION FROM US.

7.9.3  AS A CONDITION, STASH FINTECH LIMITED REQUIRES YOUR PERMISSION TO SEND YOU ADMINISTRATIVE AND PROMOTIONAL EMAILS. WE WILL SEND YOU INFORMATION REGARDING YOUR ACCOUNT ACTIVITY AND PURCHASES, AS WELL AS UPDATES ABOUT OUR PRODUCTS AND PROMOTIONAL OFFERS. YOU CAN OPT-OUT OF OUR PROMOTIONAL EMAILS ANYTIME BY CLICKING THE UNSUBSCRIBE LINK AT THE BOTTOM OF ANY OF OUR EMAIL CORRESPONDENCES.

8.0     DISCLOSURE

8.1      WE MAY DISCLOSE PERSONAL INFORMATION TO RESPOND TO LEGAL REQUIREMENTS, ENFORCE OUR POLICIES, RESPOND TO CLAIMS THAT A LISTING OR OTHER CONTENT VIOLATES THE RIGHTS OF OTHERS, OR PROTECT ANYONE'S RIGHTS, PROPERTY, OR SAFETY. SUCH INFORMATION WILL BE DISCLOSED IN ACCORDANCE WITH THIS PRIVACY POLICY AND APPLICABLE LAWS AND REGULATIONS. AS STATED ABOVE, WE DO NOT DISCLOSE YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR THEIR MARKETING PURPOSES WITHOUT YOUR EXPLICIT CONSENT.