Terms of Service
Introduction & Acceptance
Welcome to Finendar
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Finendar (operated by GLOBEWORKA LIMITED), governing your access to and use of all Finendar websites, mobile applications, services, features, and content (collectively, the "Services").
PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE SERVICES. By accessing, browsing, or otherwise using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.
We reserve the right to modify or replace these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of the Services after changes constitutes your acceptance of the new Terms.
Account Registration & Eligibility
Creating your Finendar account
Account Creation
To access most features of our Services, you must register for and maintain an active user account. You must be at least thirteen (13) years old to create an account. Certain features such as the digital wallet, monetization tools, CBT exam creation, or organizational functionalities may require you to be eighteen (18) years or older.
Account Security
You are solely responsible for maintaining the confidentiality and security of your account credentials. You are fully responsible for all activities that occur under your account, whether or not you authorized such activities.
Finendar implements verification processes to enhance platform integrity. While these measures aim to build trust, we do not guarantee the identity or authenticity of any user. Exercise caution in your interactions.
User Conduct & Prohibited Activities
Platform rules and guidelines
You agree to use the Services in a manner consistent with all applicable laws and regulations. The following activities are strictly prohibited:
- Illegal Activities: Using the Services to promote, engage in, or facilitate any illegal act, including fraud, money laundering, or terrorism.
- Harmful Content: Posting content that is defamatory, harassing, abusive, threatening, obscene, or otherwise objectionable.
- Hate Speech & Discrimination: Promoting violence, hate speech, or discrimination based on race, ethnicity, religion, gender, sexual orientation, or disability.
- Spam & Phishing: Distributing unsolicited advertisements, chain letters, pyramid schemes, or engaging in phishing activities.
- Impersonation: Impersonating any person or entity, including Finendar employees or other users.
- IP Infringement: Posting content that infringes on copyrights, trademarks, patents, or other intellectual property rights.
- Security Breaches: Attempting to probe, scan, or test vulnerabilities, or introducing malicious code.
- Assessment Fraud: Cheating on CBT exams, manipulating election results, or misusing educational/HR tools.
Violations may result in content removal, account suspension or termination, and reporting to law enforcement authorities where applicable.
Content Ownership & License
Intellectual property rights
Your Content
You retain all ownership rights in your intellectual property. However, by submitting content, you grant Finendar a worldwide, non-exclusive, royalty-free license to use, reproduce, distribute, and display your content in connection with the Services.
Finendar's Content
All content and intellectual property on the Services, excluding User Content, is the property of Finendar or its content suppliers and protected by international copyright laws. You may not copy, modify, distribute, sell, or lease any part of our Services without explicit written permission.
We respond to notices of alleged copyright infringement. To file a DMCA notice, contact: copyright@finendar.com
Digital Wallet & Monetization
Financial services and transactions
Finendar provides an integrated digital wallet and monetization features. FINENDAR IS NOT A BANK, MONEY TRANSMITTER, OR FINANCIAL INSTITUTION. All digital wallet services are provided through third-party payment processors.
- KYC/AML Compliance: You may be required to provide government-issued ID, proof of address, and financial details for verification.
- Prohibited Conduct: Do not use financial features for money laundering, funding illegal activities, or deceptive practices.
- Fees: Transaction fees, withdrawal fees, or service fees will be clearly disclosed before you initiate transactions.
- No Refunds: All transactions are final and non-refundable unless explicitly stated otherwise or required by law.
- Tax Responsibilities: You are solely responsible for all taxes associated with income from Finendar's monetization features.
Specialized Organizational Tools
CBT, WBT, Voting & HR Tools
CBT & WBT Assessment Tools
Finendar provides Computer-Based Testing (CBT) and Web-Based Training (WBT) tools for educational institutions, businesses, and organizations. If you are using these tools, you are responsible for:
- Ensuring compliance with data privacy laws (NDPR, GDPR, FERPA) regarding student and employee data.
- Obtaining necessary consents from individuals whose data you process.
- Maintaining the accuracy, integrity, and confidentiality of all uploaded data.
- Implementing appropriate internal policies for data access and security.
Election & Polling System
Our digital voting system enables secure elections for schools, clubs, and organizations. You are responsible for ensuring fairness, transparency, compliance with electoral laws, verifying voter eligibility, and communicating rules to participants.
Finendar provides the technical infrastructure but is not responsible for the conduct or outcome of any election. Manipulation attempts will result in immediate action and may be reported to authorities.
Disclaimers & Limitation of Liability
Service warranties and limitations
Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK.
Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, FINENDAR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES. IN NO EVENT SHALL FINENDAR'S TOTAL LIABILITY EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID IN THE PAST TWELVE (12) MONTHS, OR (B) FIFTY US DOLLARS (US$50.00).
Dispute Resolution & Governing Law
Legal jurisdiction and arbitration
These Terms shall be governed by and construed in accordance with the laws of Nigeria, without regard to conflict of law principles.
- Mandatory Arbitration: Disputes shall be determined by binding arbitration in Lagos, Nigeria, before a single arbitrator.
- Class Action Waiver: You agree to bring claims only in your individual capacity, not as a plaintiff or class member in any class proceeding.
Contact Information
Get in touch with us
If you have any questions about these Terms of Service, please contact us:
- Email: legal@finendar.com
- Address: GLOBEWORKA LIMITED, Lagos, Nigeria
- Phone: +234 803 343 0126
Privacy Policy
Introduction & Scope
Our commitment to your privacy
Finendar ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal data when you use our websites, mobile applications, and all related services (collectively, the "Services").
We are a Nigerian-based company operated by GLOBEWORKA LIMITED. This policy is drafted in compliance with the Nigeria Data Protection Regulation (NDPR) and other applicable international data protection laws including GDPR.
We will never sell your personal information. We only collect data necessary to provide and improve our services, and we implement industry-leading security measures to protect your information.
Information We Collect
Types of data we gather
Information You Provide
- Account & Profile Data: Name, email, phone number, profile photo, date of birth, gender, and other profile information.
- User Content: Photos, videos, text, messages, comments, exam submissions, course materials, and voting data.
- Financial Information: Bank account details, card information, and KYC details (government ID, utility bills) for wallet features.
- Communications: Customer support inquiries and messages with other users.
Information Collected Automatically
- Usage Data: Pages viewed, time spent, search queries, interactions with features and other users.
- Device Data: IP address, device type, operating system, browser type, unique device identifiers.
- Location Information: Approximate or precise location data if enabled on your device.
- Cookies & Tracking: We use cookies and similar technologies to track activity and preferences.
Information from Third Parties
We may receive information from social media services (Google, Facebook), payment processors, and organizations using our HR/school tools to provide information about their members.
How We Use Your Information
Purpose of data processing
- Service Delivery: To operate and provide all Finendar features including CBT, WBT, voting, and marketplace services.
- Personalization: To tailor content, recommendations, and learning experiences to your preferences.
- Transactions: To facilitate digital wallet payments, withdrawals, creator payouts, and purchases.
- Communication: To send service notifications, updates, and marketing (with your consent).
- Security: To protect the platform, prevent fraud, and ensure safe assessment environments.
- Analytics: To analyze usage patterns, diagnose issues, and improve our services.
- Assessment Integrity: To monitor exam sessions, detect cheating, and maintain academic integrity.
How We Share Your Information
Data disclosure practices
- With Other Users: Your public profile information and content you post will be visible to other users.
- Service Providers: We share data with vendors who perform services on our behalf (payment processing, hosting, analytics).
- Your Organization: If you use Services through a school or employer, your data may be shared with that organization.
- Legal Compliance: We may disclose information if required by law or in response to valid legal requests.
- Business Transfers: In case of merger, acquisition, or sale, your data may be transferred to the new entity.
Finendar will never sell your personal information to advertisers or data brokers. Your privacy is not for sale.
Your Rights & Choices
Control over your data
Subject to applicable laws (including NDPR and GDPR), you have the following rights:
- Access: Request a copy of the personal data we hold about you.
- Correction: Request that we correct any inaccurate or incomplete data.
- Deletion: Request the deletion of your personal data ("right to be forgotten").
- Objection: Object to the processing of your personal data.
- Portability: Request your data in a structured, machine-readable format.
- Marketing Opt-Out: Unsubscribe from promotional communications at any time.
To exercise these rights, contact us at privacy@finendar.com.
Data Security
How we protect your information
The security of your personal data is a priority. We implement reasonable administrative, technical, and physical safeguards including:
- Encryption: SSL/TLS encryption for data in transit and AES-256 encryption for data at rest.
- Firewalls: Enterprise-grade firewall protection and intrusion detection systems.
- Access Controls: Strict access controls and authentication for personnel.
- Secure Infrastructure: AWS-hosted infrastructure with 99.9% uptime.
No method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.
Children's Privacy
Protecting minors
Our Services are not intended for use by children under the age of 13. We do not knowingly collect personally identifiable information from anyone under 13. If you are a parent or guardian and believe your child has provided us with personal data, please contact us immediately.
For educational institutions using our CBT/WBT tools with students under 18, the institution is responsible for obtaining appropriate parental consent and ensuring COPPA/FERPA compliance.
Contact Us
Privacy inquiries and requests
If you have any questions about this Privacy Policy or wish to exercise your data rights:
- Privacy Email: privacy@finendar.com
- General Email: info@finendar.com
- Address: GLOBEWORKA LIMITED, Lagos, Nigeria
Cookie Policy
What Are Cookies
Understanding tracking technologies
Cookies are small text files that are placed on your device when you visit a website. They are widely used to make websites work more efficiently, provide information to website owners, and enable certain features.
Finendar uses cookies and similar technologies (such as web beacons, pixels, and local storage) to enhance your experience, analyze usage, and deliver personalized content.
Types of Cookies We Use
Categories and purposes
- Essential Cookies: Required for the website to function properly (authentication, security, load balancing).
- Analytics Cookies: Help us understand how visitors interact with our Services (page views, session duration).
- Preference Cookies: Remember your settings and preferences (language, theme, notification settings).
- Marketing Cookies: Used to deliver relevant advertisements and measure campaign effectiveness.
Managing Cookies
Your control options
You can control and manage cookies in several ways:
- Browser Settings: Most browsers allow you to refuse or delete cookies through settings.
- Cookie Banner: Use our cookie consent banner to manage your preferences.
- Opt-Out Links: Use industry opt-out tools like NAI or DAA.
Disabling certain cookies may affect the functionality of our Services. Essential cookies cannot be disabled as they are necessary for the platform to work.
DMCA Policy
Copyright Infringement Policy
Our commitment to IP rights
Finendar respects the intellectual property rights of others and expects users to do the same. We respond to notices of alleged copyright infringement in accordance with the Digital Millennium Copyright Act (DMCA) and other applicable laws.
If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on our Services, please notify our designated copyright agent.
Filing a DMCA Notice
Required information
For your complaint to be valid under the DMCA, you must provide the following in writing:
- An electronic or physical signature of the copyright owner or authorized representative.
- Identification of the copyrighted work claimed to have been infringed.
- Identification of the infringing material and its location on our Services.
- Your contact information (address, telephone number, email).
- A statement of good faith belief that the use is not authorized.
- A statement, under penalty of perjury, that the information is accurate.
Email: copyright@finendar.com Subject Line: DMCA Takedown Notice
Counter Notification
Disputing a takedown
If you believe your content was removed in error, you may file a counter-notification including:
- Your physical or electronic signature.
- Identification of the removed material and its prior location.
- A statement under penalty of perjury that removal was a mistake or misidentification.
- Your contact information and consent to jurisdiction.
Finendar will terminate the accounts of users who are repeat copyright infringers in appropriate circumstances.