Terms & Conditions

1. Acceptance of Terms

By creating an account and using the Prosperous Financial Services platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. These terms apply to all users, including casual browsers and registered members.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into a binding agreement
• Provide accurate and complete information during registration
• Comply with all applicable laws and regulations

3. User Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Keeping your personal information up-to-date

4. Contributions & Deposits

When you make a contribution or deposit through our platform:

• You confirm that the funds belong to you or you are authorized to use them
• You agree to the contribution terms and conditions at the time of deposit
• All transactions are non-refundable except as specified in our policies
• We are not responsible for delays caused by financial institutions
• Additional fees may apply based on payment method

5. Withdrawals

Regarding withdrawals from your account:

• Withdrawal requests must comply with our withdrawal policies
• Processing time depends on your bank and payment method (usually 3-5 business days)
• Withdrawal limits may apply based on your account status
• Bank charges and transfer fees may be deducted from your withdrawal
• We reserve the right to suspend withdrawals for security verification

6. Prohibited Activities

You agree not to:

• Use our platform for illegal activities or money laundering
• Provide false or misleading information
• Attempt to access systems without authorization
• Transmit viruses, malware, or harmful code
• Harass, threaten, or abuse other users
• Manipulate contribution records or engage in fraud
• Use automated tools without our permission

7. Limitation of Liability

To the fullest extent permitted by law, Prosperous Financial Services shall not be liable for:

• Loss of profits, revenue, or data
• Indirect, incidental, or consequential damages
• Service interruptions or delays beyond our control
• Third-party actions or services

8. Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms and Conditions
• Engage in fraudulent activities
• Fail to comply with legal requirements
• Conduct activities that harm other users or our platform

9. Indemnification

You agree to indemnify and hold harmless Prosperous Financial Services, its officials, employees, and agents from any claims, damages, losses, or expenses arising from your use of the platform or violation of these Terms and Conditions.

10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Nigeria, and you irrevocably submit to the exclusive jurisdiction of the courts in Nigeria.

11. Contact Us

12. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting. Your continued use of the platform constitutes acceptance of the updated terms.