DEFINITIONS

For the purposes of this Terms of Service: Company: (referred to as either "the Company", "GOPRUDY" "We", "Us" or "Our"in this Agreement) refers to GoPrudy Technologies Limited with RC Number 7862789 at 11, Bolaji Taylor Street, Haruna, Ogba, Lagos State, Nigeria.

Country refers to Nigeria, Service refers to the offerings of this website, Website: refers to (www.goprudy.com), You: means the individual accessing or using the service through the Website (the "User"), or the company, or other legal entity on behalf of which such individual is accessing or using the service, as applicable.

ABOUT THIS POLICY

At Goprudy Technologies Limited, our aim with this Policy is to clearly and simply explain how we collect, use, and share information from and about our users, and how our services function. We want to ensure transparency, and this document is intended to provide a straightforward understanding of how we handle your data, communicate with our users, and deliver our services. While our platform may be accessed through third-party channels or used alongside other financial tools, this Policy outlines our own practices. It also covers the rights and responsibilities of all parties involved. Your trust is important to us, and we are committed to handling your information responsibly and in accordance with the Data Protection Laws.

1. THE BASICS

Why is this important?

Your privacy and the security of your information are fundamental to how we operate at Goprudy Technologies Limited. This document explains how we collect, use, and share user information to support, improve, and secure our services. We encourage you to read this Policy carefully so you understand what to expect when you use our platform.

Some Background

Goprudy Technologies Limited was created to help individuals and businesses make better financial decisions by providing easy-to-use tools for budgeting, tracking income and expenses, and analyzing spending patterns. Our software empowers users, whether individuals managing personal finances or businesses overseeing corporate budgets to monitor financial activity in real-time, identify spending trends, and make data-driven financial choices. By leveraging technology, we simplify processes like cash flow management, expense categorization, and financial planning. Whether you are setting monthly spending limits, tracking multiple income sources, Goprudy offers a secure, user-friendly environment tailored to your financial goals. The services we provide may be enhanced by third-party integrations or partners, but are designed and powered by Goprudy Technologies Limited.

YOUR USE OF THE SERVICE

These Terms of Service ("Terms") govern your access to and use of this Website, owned and controlled by GOPRUDY TECHNOLOGIES LIMITED. including GOPRUDY operates as an online software application that facilitates personal and corporate budgeting the provision of tools for income and expense tracking, and expenditure analysis (the"Service"). Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms.

Some Background These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you agree to be bound by these Terms. If you are using the Service on behalf of an organization or entity ("Organization"), then you are agreeing to these Terms on behalf of that Organization and you represent and warrant that you have the authority to bind the Organization to these Terms. In that case, "you" and "your" refers to you and that Organization.

Some Background You retain full ownership to your user content, but you agree to grant us a worldwide, non-exclusive, irrevocable, transferable, perpetual, royalty-free license (with the right to sublicense) to use, copy reproduce, process, adapt, modify, publish, transmit, edit, translate, make derivatives, display, and distribute such user content in connection with providing the Service to you and other users in accordance with your settings on the Service. In connection with providing the Service, we may modify or adapt your Content in order to transmit, display or distribute it over computer networks and in various media and/or make changes to your user content as are necessary to conform and adapt that user content to any requirements or limitations of any networks, devices, services, or media.

You may use the Service only if you can form a binding contract with GOPRUDY, and only in compliance with these Terms and all applicable local, state, national, and international laws, rules, and regulations. The Service may change from time to time as we evolve, refine, or add more features to the Service, often without prior notice to you. In addition, GOPRUDY may temporarily or permanently stop providing the Service, or any features within the Service, to you or to users generally and may not be able to provide you with prior notice.

INFORMATION WE COLLECT

To provide you with our budgeting, tracking, and analysis services, GOPRUDY TECHNOLOGIES LIMITED collects various types of information. This includes information you provide directly and information we may collect from your connected financial accounts or other sources as described below:

Information You Provide

When you create an account, utilize our budgeting tools, or otherwise interact with the GOPRUDY application, you may provide us with certain information. This includes, but is not limited to:

• Personal Information: Your name, email address, phone number, date of birth, and full address(es).
• Account Credentials: Information required to log in to your GOPRUDY account, such as your username and password.

Information Collected from Your Financial Institutions (with your authorization)

To enable our income and expense tracking, budgeting, and expenditure analysis features, you may choose to connect your financial accounts (e.g., bank accounts, credit cards, investment accounts) to the GOPRUDY application. When you do so, you grant GOPRUDY TECHNOLOGIES LIMITED the authority to access and transmit information from your designated financial institutions on your behalf. The types of information we collect from these institutions, depending on the specific services you utilize, may include:

• Bank Account Information:
• Account type (e.g., Current, Savings, Investment, Credit Card)
• Account name
• Account number (both local and international)
• Currency
• Account balance information
• Transaction history (for income and expense tracking)
• Other Financial Data: Information related to your income, expenses, investments, and other financial activities that is relevant to providing our budgeting and analysis tools.

We collect this financial information solely for the purpose of providing and improving the GOPRUDY services, including:

• Populating your income and expense trackers.
• Facilitating your personal and corporate budgeting.
• Performing expenditure analysis to help you understand your spending habits.
• Generating reports and insights based on your financial data.

YOUR ACCOUNT

You must provide us with accurate information when you create your GOPRUDY account. Your GOPRUDY account gives you access to the Services and functionality that we may establish and maintain from time to time and at our sole discretion. We may maintain different types of accounts for different types of users or organizations. If you connect to GOPRUDY with a third-party service, you give us permission to access and use your information from that service as permitted by that service, and to store your login credentials for that service. You may never use another user's account without permission.

ACCOUNT SECURITY

You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password, whether your password is with GOPRUDY or a third-party service. We encourage you to use "strong" passwords that use a combination of upper- and lowercase letters, numbers, and symbols with your account or any other character combination that is not easily discernible. You agree not to disclose your password to any third party. GOPRUDY cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

You must notify GOPRUDY immediately upon becoming aware of any breach of security or unauthorized use of your account. You are further notified that any notification of security breach due to your failure does not shift the liability of any loss or damage on GOPRUDY if such loss subsists after such notification.

HOW WE STORE AND PROTECT YOUR INFORMATION

At GOPRUDY TECHNOLOGIES LIMITED, we are committed to protecting the integrity and confidentiality of your personal and financial information. We implement robust security measures and follow industry best practices to safeguard data in our possession. These measures include:

• Data Encryption: Encrypting your data both in transit and at rest to prevent unauthorized access.
• Firewalls and Network Security: Employing firewalls and other advanced network security protocols to protect our systems from external threats.
• Access Controls: Implementing strict logical and physical access controls to our infrastructure and data, ensuring only authorized personnel can access sensitive information.
• Regular Audits and Monitoring: Our security controls are regularly evaluated for effectiveness against industry standards through internal assessments and independent security audits. We continuously monitor our systems for vulnerabilities and potential breaches.

GOPRUDY TECHNOLOGIES LIMITED does not sell or rent your personal or financial information to marketers or other third parties. We may, however, share your information in specific, limited circumstances as outlined below:

• With Your Consent: When you provide explicit consent for us to share your information for a particular purpose.
• With Service Providers and Partners: We may engage trusted third-party service providers, partners, or contractors to assist us in delivering and improving the GOPRUDY services.
• These may include cloud hosting providers, payment processors, customer support platforms, or data analytics services. Such sharing is strictly for the purpose of performing services on our behalf and under confidentiality obligations.
• For Legal Compliance and Protection: If we believe in good faith that disclosure is necessary to comply with applicable law, regulation, legal process (such as a court order or subpoena), or to protect the rights, property, or safety of GOPRUDY TECHNOLOGIES LIMITED, our users, or the public.
• In Connection with Business Transfers: In the event of a merger, acquisition, reorganization, asset sale, or bankruptcy involving GOPRUDY TECHNOLOGIES LIMITED, your information may be transferred to the acquiring entity or successor in interest as part of the business assets.
• Within Our Corporate Group: We may share information with our current and future parents, affiliates, subsidiaries, and other companies under common control or ownership with GOPRUDY TECHNOLOGIES LIMITED, for purposes consistent with this policy and to support our operations.

GOPRUDY’S LICENSE TO YOU

Subject to these Terms, GOPRUDY gives you a personal, worldwide, royalty-free, non-assignable, non-sub-licensable, and non-exclusive license to use the Service. We reserve all rights not expressly granted in these Terms in the Service. We can terminate this license at any time for any reason or for no reason.

We may make available software to access the Service via a mobile device (“Mobile Software”). To use the Mobile Software you must have a mobile device that is compatible with the Mobile Service. We do not warrant that the Mobile Software will be compatible with your mobile device.

You may not:

• Modify, disassemble, decompile, or reverse engineer the Mobile Software;
• Rent, lease, loan, resell, sublicense, distribute, or otherwise transfer the Mobile Software to any third party or use the Mobile Software to provide time sharing or similar services for any third party;
• Make any copies of the Mobile Software;
• Remove, circumvent, disable, damage, or otherwise interfere with security-related features of the Mobile Software, features that prevent or restrict use or copying of any content accessible through the Mobile Software, or features that enforce limitations on use of the Mobile Software; or
• Delete the copyright and other proprietary rights notices on the Mobile Software. You agree that we may from time to time issue upgraded versions of the Mobile Software, and may automatically electronically upgrade the version of the Mobile Software that you are using on your mobile device. You agree to the automatic upgrading on your mobile device, and agree that the terms and conditions of these Terms will apply to any upgrades. This license is not a sale of the Mobile Software or any copy thereof, and GOPRUDY or its third-party partners or suppliers retain all right, title, and interest in the Mobile Software (and any copy thereof). We reserve all rights not expressly granted under these Terms.

You agree to comply with all Nigerian and foreign laws related to use of the Mobile Software and the Service.

GOPRUDY’S PROPERTY, COPYRIGHTS AND FEEDBACK

Why is this important? All right, title, and interest in and to the Service (excluding Content provided by users) are and will remain the exclusive property of GOPRUDY and its licensors. The Service is protected by copyright, trademark, and other laws of both Nigeria and foreign countries. Nothing in the Terms gives you a right to use GOPRUDY’s name or any of GOPRUDY’s trademark(s), logo(s), domain names, and other distinctive brand features. Any feedback, comments, or suggestions you may provide regarding GOPRUDY, or the Service is entirely voluntary and we will be free to use such feedback, comments or suggestions as we see fit and without any obligation to you.

GOPRUDY’S ROLE

Why is this important? In accordance with the provision of the Services, GOPRUDY assumes the role of an independent party in any transaction facilitated through this website, Mobile Software or any other digital medium now known or later developed. Every transacting party using the Services is charged with the full responsibility of conducting adequate due diligence on the compatibility, quality, competence, credibility of the counterparty. GOPRUDY maintains no interest, involvement or relationship with any transacting party and shall NOT be liable and/or held liable for any loss, damage, consequential loss or costs that may arise from a breach in contract or the non-fulfillment of respective representations and obligations. GOPRUDY has no control over and does not guarantee (i) the existence, quality, safety, suitability, or legality of any listings (ii) the truth or accuracy of any listing descriptions, ratings, reviews, or other user content, or (iii) the performance or conduct of any user or third party. GOPRUDY does not endorse any user, listing or service(s) provider. Any reference to a user being"verified" (or similar language) only indicates that the user has completed a relevant verification process and nothing else. Any such description is not an endorsement, certification or guarantee by GOPRUDY about any user, including of the user's identity or background or whether the Member is trustworthy, safe or suitable.

ACCEPTABLE USE OF GOPRUDY

GOPRUDY is trusted by its users, and we trust you to use our Service responsibly. You agree not to misuse the Service. For example, you must not, attempt to do the following things:

• use the Service for any unlawful purposes or for promotion of illegal activities;
• post any Content on the Service in violation of any applicable law, including intellectual property laws and right of privacy or publicity laws, or any contractual obligation;
• impersonate others through the Service or otherwise misrepresent your affiliation with a person or entity in a manner that does or is intended to mislead, confuse, or deceive others;
• publish or post other people’s private or personally identifiable information, such as credit card numbers, street address or National Identity numbers, without their express authorization and permission;
• send unsolicited communications, promotions or advertisements, or spam;
• publish or link to malicious content intended to damage or disrupt another user’s browser or computer or to compromise a user’s privacy;
• access, tamper with, or use non-public areas of the Service, GOPRUDY’s computer systems, or the technical delivery systems of GOPRUDY’s providers;
• probe, scan, or test the vulnerability of any system or network or breach or circumvent any security or authentication measures;
• access or search the Services by any means other than our publicly supported interfaces (for example, “scraping”);
• forge any TCP/IP packet header or any part of the header information in any email or posting, or in any way use the Service to send altered, deceptive, or false source-identifying information;
• interfere with, or disrupt, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Service, or by scripting the creation of Content in such a manner as to interfere with or create an undue burden on the Service. International users agree to comply with all local laws regarding online conduct and acceptable content. We may investigate and/or suspend your account if you violate any of the above rules. Furthermore, we reserve the right to immediately terminate your account without further notice in the event that, in our sole and absolute judgment, you violate these Terms, or abuse the use of our Service.

CANCELLATION OF ACCOUNTS

We can cancel or suspend your account at any time with written notice to you. Such termination will be effective immediately. We may also cancel or suspend your account immediately if, in our sole discretion:

• you have committed a material or persistent breach of these Terms or any other terms applying to your use of the Services;
• we consider that provision of the Services, or use of them, in your territory or jurisdiction will or is likely to breach any applicable law;
• we decide to withdraw the Services from your territory or jurisdiction altogether; or
• your use of the account is creating a security or availability risk for GOPRUDY or our other customers, is impacting (or may impact) the stability or performance of our systems, or is requiring disproportionate resource to deliver (e.g, in terms of storage or processing requirements, support requests or helpdesk queries).

You are entitled to cancel your account with GOPRUDY at any time. You can request to cancel your account by sending an email to info@goprudy.com.

If your account is cancelled, your account will be deactivated and all of your rights granted under these Terms will immediately come to an end (except to the extent that it is necessary for them to continue in respect of our ongoing storage of your data up to the date of permanent deletion). We are not liable for any loss or damage following, or as a result of, cancellation of your account, as it is your responsibility to ensure that any content or data which you require is exported, backed-up or replicated before cancellation.

FEES

GOPRUDY may charge fees (and applicable taxes) from the users of the GOPRUDY platform. Except as provided in the Cancelation & Refund Policy, service fees are non-refundable. We reserve the right to change the service fee at any time, and will provide notice to the users. Our service fee structure is as follows:

Billing is subscription based and charged at the start of each billing cycle. You can choose between the Money Master or Unstoppable Plans. If you select a free-trial, your card will only be charged on the day your trial expires.

PRIVACY

We care about the privacy of our users. We collect, use, and share personally identifiable information and non-personally identifiable information as described in our Privacy Policy. You agree that by using the Service, you agree to the collection of such information, and to have your personal data collected, used and processed.

SPECIAL ADMONITIONS FOR INTERNATIONAL USE

GOPRUDY TECHNOLOGIES LIMITED operates globally, and to facilitate our services, the information we collect about you may be processed, transferred, used, or stored in any country where we or our service providers maintain operations. This means that your information may be transferred to and processed in a country different from your home jurisdiction. Please be aware that these countries may not offer the same level of data protection as your home country. By using the GOPRUDY application, you acknowledge and consent to such international transfers of your information.

GOPRUDY’S PROPRIETARY RIGHTS

The Service and its original content, features and functionality are and will remain the exclusive property of GOPRUDY. The Service is protected by copyright, trademark, and other laws of the Federal Republic of Nigeria. Our trademarks may not be used in connection with any product or service without the prior written consent of GOPRUDY. Users shall not, directly or indirectly: (i) decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code or underlying ideas or algorithms of any part of the Service, except to the extent applicable laws specifically prohibit such restriction; (ii) modify, translate, or otherwise create derivative works of any part of the Service; or (iii) copy, rent, lease, distribute, or otherwise transfer any of the rights that you receive hereunder.

NO WARRANTY

We provide the GOPRUDY service "as is" and "as available." This means we don't make any promises or guarantees about its performance or availability. Your use of the application is entirely at your own risk. To the maximum extent permitted by law, we disclaim all warranties. Without limiting the foregoing, GOPRUDY and its licensors do not warrant that the content is accurate, reliable or correct; that the service will meet your requirements; that the service will be available at any particular time or location, uninterrupted or secure; we do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the service or any hyperlinked website or service, and we will not be a party to or in any way monitor any transaction between you and third-party providers of products or services

CHANGES TO TERMS

GOPRUDY reserves the right, in its sole discretion, to change the Terms under this Website. The most current version of Terms will supersede all previous versions. GOPRUDY encourages you to periodically review the Terms to stay informed of our updates.

LAW AND JURISDICTION

These general terms and conditions shall be governed by and construed in accordance with the Nigerian laws. Any disputes relating to these general terms and conditions shall be subject to the exclusive jurisdiction of the Courts in Nigeria.