Terms of Use
This Terms of Use (this “Terms of Use”) explains the terms and conditions governing access to and use of the services provided by PoderMonie Ltd (“PoderMonie,” “we,” “us,” and “our”).
The provisions contained in this Terms of Use supersede all previous notices, terms and statements regarding your use of our services.
Last updated: August, 2026
Application of these Terms of Use
This Terms of Use serves to set out the terms governing your access to and use of the services provided by PoderMonie. This Terms of Use applies to systems, operations and processes of PoderMonie that relate to the provision of our services to our Users.
This Terms of Use applies to the use of our website at https://wealth.podermonie.com, and all affiliated websites and applications owned and operated by us (collectively, the “Website”), applications, other online services and/or any related services, financial products, investment opportunities, marketing, promotional activities and social media activities (together with the Website, our “Services”).
This Terms of Use applies to your use of our Services regardless of the means of access. You may access or use our Services through a desktop, laptop, mobile phone, tablet or other consumer electronic device (each, a “Device”).
By accessing or using our Services, you agree to be bound by this Terms of Use, our Privacy Policy and any other terms, conditions or policies applicable to specific Services made available to you.
If you do not agree to this Terms of Use, you should not access or use our Services.
Our Services
PoderMonie provides digital wealth and financial services designed to enable Users to access information about, apply for, subscribe to, monitor and manage selected financial and investment products and services through our Platform.
Depending on the Services made available to you, our Platform may provide access to investment opportunities and financial products, which may include fixed income securities, treasury bills, bonds, commercial paper and other investment products that may be made available from time to time.
The availability of any particular financial product or Service may depend on your eligibility, applicable laws and regulations, product availability, risk assessment, KYC requirements and other applicable conditions.
Where a financial product is issued, managed, administered, held, settled or otherwise provided by a third-party financial institution, investment manager, fund manager, broker, custodian, issuer or other service provider, the terms and conditions applicable to that third party or product may also apply.
Nothing contained on our Website shall constitute an unconditional offer, solicitation or guarantee to purchase or sell any financial product unless expressly stated and permitted under applicable law.
Eligibility
You must satisfy the eligibility requirements applicable to the Services you wish to access.
You must provide accurate, complete and current information when registering for an account, applying for a financial product or using our Services.
Certain financial products may be subject to minimum investment requirements, age restrictions, residency requirements, suitability requirements, regulatory requirements or other eligibility criteria.
Where applicable, we may require you to complete identity verification, KYC, customer due diligence, risk assessment or other verification procedures before permitting you to access particular Services.
We reserve the right to refuse, restrict, suspend or terminate access to any Service where you do not satisfy the applicable eligibility requirements.
Registration and Account
As a User, we may ask you to create login information for your PoderMonie account, such as a username, password, PIN or other authentication credentials.
When you register for an account, you agree to provide accurate, complete and current information and to update such information whenever necessary.
You are responsible for maintaining the confidentiality of your account credentials and for all activities carried out through your account.
You must notify us immediately if you become aware of any unauthorised access to your account, loss of your credentials or any other security breach.
We may require additional information or documentation from you for identity verification, KYC, anti-money laundering, fraud prevention, regulatory compliance, suitability assessment or other legitimate purposes.
Information You Provide Us
In general, you may access portions of our Website without registering for an account or providing us with Personal Information.
Where you wish to use certain Services, we may require you to provide information including your name, email address, telephone number, date of birth, identification information, bank account information, financial information, investment preferences and other information necessary to provide our Services.
By providing your Personal Information and other information to us, you agree to our collection, use, storage and disclosure of such information in accordance with our Privacy Policy and applicable law.
Investment Information and Risk
Where our Services provide access to investment products, you acknowledge that investments involve risk.
The value of an investment may increase or decrease and you may lose some or all of the amount invested.
Past performance is not necessarily indicative of future performance.
Any investment returns, interest rates, yields, projections, illustrations or performance information displayed through our Services are not a guarantee of future performance unless expressly stated otherwise.
You should carefully consider the risks associated with a financial product before making an investment decision.
Where appropriate, you should obtain independent financial, legal, tax or other professional advice before making an investment.
Investment Decisions
Unless expressly agreed otherwise in writing and permitted under applicable law, you remain responsible for your investment decisions.
Information provided through our Services is intended to assist you in understanding available products and opportunities and should not be interpreted as a guarantee that any particular investment is suitable for you.
Where investment advice or portfolio management is provided, such Services shall be subject to the applicable regulatory requirements and any additional terms governing those Services.
The Nigerian Securities and Exchange Commission has specific regulatory requirements concerning investment advisory and other capital-market activities.
Transactions
Where our Services allow you to submit instructions relating to investments, payments, withdrawals, subscriptions, redemptions or other transactions, you authorise us and/or the relevant service provider to process those instructions in accordance with the applicable terms.
You are responsible for ensuring that all information contained in your instructions is accurate.
Once submitted, an instruction may not always be capable of being cancelled, amended or reversed.
We may delay, reject, suspend or cancel a transaction where:
- you have provided incomplete or inaccurate information;
- additional verification is required;
- we reasonably suspect fraud or unauthorised activity;
- the transaction may violate applicable law or regulation;
- the relevant product is unavailable;
- sufficient funds are not available;
- a third-party service provider is unavailable;
- technical or security issues arise; or
- we are required or permitted to do so by applicable law.
Payments and Funding
Where you are required to make a payment or fund an investment through our Services, you agree to use an approved payment method.
Payments may be processed through banks, payment processors, payment service providers or other third-party financial institutions.
You authorise us and relevant service providers to process payments and transfers initiated through your account.
We are not responsible for delays caused by banks, payment processors or other third parties where such delays are outside our reasonable control.
Fees and Charges
Certain Services may be subject to fees, charges, commissions or other costs.
Any applicable fees and charges will be communicated to you through the relevant Service or product documentation.
You authorise us, where applicable, to deduct fees and charges from amounts payable by you or otherwise due to you.
Third-party service providers may also impose fees in connection with Services provided through our Platform.
How We Use the Services
You agree to use our Services only for lawful purposes and in accordance with this Terms of Use.
You must not:
- use our Services for fraudulent or unlawful purposes;
- provide false, misleading or inaccurate information;
- impersonate another person;
- attempt to obtain unauthorised access to another User’s account;
- interfere with the operation or security of our Services;
- introduce viruses, malware or other harmful code;
- attempt to reverse engineer or compromise our systems;
- use automated means to access our Services in a manner that may impair their operation;
- use our Services to facilitate money laundering, terrorist financing, fraud or sanctions evasion; or
- otherwise violate applicable laws or regulations.
KYC, AML and Compliance
We may require you to provide information and documents necessary to comply with applicable Know Your Customer (“KYC”), Anti-Money Laundering (“AML”), Counter-Terrorist Financing (“CTF”), sanctions, fraud prevention and other regulatory requirements.
You represent that information provided by you is true, accurate and complete.
You further represent that funds used in connection with our Services are obtained from lawful sources.
We may conduct ongoing monitoring of your account and transactions where required or permitted by applicable law.
We may restrict, suspend or terminate an account or transaction where we reasonably believe that doing so is necessary for legal, regulatory, security, fraud prevention or compliance purposes.
How We Share Information
You agree that we may share your Personal Information and other information that you provide to us:
- if you request or authorise it;
- where necessary to provide or complete a transaction or Service;
- with our affiliates, where applicable;
- with banks, payment processors and other financial service providers;
- with investment managers, fund managers, brokers, custodians, issuers and other financial service providers involved in providing the relevant Service;
- with identity verification, fraud prevention and compliance service providers;
- with technology, hosting, analytics and communications service providers;
- with selected business partners, suppliers and subcontractors;
- where required by applicable law, regulation, court order or governmental authority;
- to protect our rights, property or safety or the rights, property or safety of our Users or others; or
- with law enforcement, regulators, investigators or auditors where we reasonably believe disclosure is appropriate or required.
Our processing of Personal Information is further described in our Privacy Policy. The Nigeria Data Protection Act 2023 provides the legal framework governing the processing and protection of personal data in Nigeria.
Security and Storage of your Personal Information
We have suitable security measures in place to protect your Personal Information against accidental loss, unauthorised access, misuse, alteration or disclosure.
We limit access to Personal Information to employees, agents, contractors and third parties who have a legitimate business need to access such information.
We require relevant service providers to implement appropriate security measures for information processed on our behalf.
No method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security of your Personal Information.
You also play a role in protecting your Personal Information. Please safeguard your email address, username, password, PIN and other security information associated with your PoderMonie account.
You agree to notify us immediately of any unauthorised use of your account or other breach of security.
Electronic Communications
By using our Services, you agree that we may communicate with you electronically.
Such communications may include emails, SMS messages, push notifications, in-app notifications and other electronic communications.
We may use electronic communications to provide information concerning your account, transactions, investments, Services, security matters, changes to our terms and other matters relating to our relationship with you.
Electronic Instructions and Signatures
Where applicable, instructions submitted through your PoderMonie account and authenticated using your password, PIN, OTP, biometric authentication or other approved security mechanism may be treated as instructions authorised by you.
You agree to notify us immediately if you believe that an instruction has been submitted without your authorisation.
To the extent permitted by applicable law, electronic records and electronic signatures may have the same legal effect as physical records and signatures.
Third-Party Websites and Services
When you use our Services, you may be directed to or interact with websites, applications, financial institutions, payment providers and other services that are beyond our control.
We may also allow third-party websites or applications to link to our Services.
We are not responsible for the privacy practices, security, availability, content or terms of third-party websites or services.
You should review the applicable terms and privacy policies of such third parties before using their services.
Intellectual Property
All intellectual property rights relating to our Website and Services, including our software, designs, trademarks, logos, content, graphics, text and other materials, belong to PoderMonie Ltd or our licensors unless otherwise stated.
You may access and use our Services solely for their intended purposes.
You may not copy, reproduce, modify, distribute, publish, sell, license or commercially exploit any part of our Website or Services without our prior written consent, except where permitted by law.
Availability of our Services
We endeavour to make our Services available at all times.
However, we do not guarantee that our Website or Services will always be available, uninterrupted, secure or error-free.
Our Services may occasionally be unavailable because of maintenance, upgrades, security measures, technical failures, telecommunications failures, third-party service interruptions, regulatory requirements or circumstances beyond our reasonable control.
We may modify, suspend or discontinue any Service where reasonably necessary.
Limitation of Liability
To the maximum extent permitted by applicable law, PoderMonie shall not be liable for losses arising from:
- market movements or investment performance;
- loss of anticipated investment returns;
- third-party service failures;
- internet or telecommunications failures;
- delays caused by banks, payment processors or other third parties;
- unauthorised access resulting from your failure to protect your account credentials;
- events outside our reasonable control; or
- your failure to comply with this Terms of Use.
Nothing in this Terms of Use excludes or limits any liability that cannot lawfully be excluded or limited under applicable law.
Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold harmless PoderMonie Ltd, its affiliates, directors, officers, employees, agents and service providers from claims, losses, liabilities, costs and expenses arising from your breach of this Terms of Use, your unlawful use of our Services, your violation of applicable law or your infringement of the rights of another person.
Protecting Children’s Privacy
Our Services are not directed or intended for children under the age of eighteen (18).
We do not knowingly provide investment or wealth management Services to persons who do not satisfy applicable age requirements.
If you are under the applicable minimum age, you should not use our Services or provide Personal Information to us.
Data Security and Retention
We deploy appropriate physical, electronic and administrative security measures designed to protect your information against unauthorised access, unlawful processing and foreseeable hazards and breaches.
We generally retain your Personal Information for as long as necessary to fulfil the purposes for which it was collected and to satisfy applicable legal, regulatory, accounting and reporting requirements.
Where applicable, you may request access to, correction of or deletion of your Personal Information in accordance with our Privacy Policy and applicable data protection law.
Suspension and Termination
We may suspend or terminate your access to our Services where:
- you breach this Terms of Use;
- you provide false or misleading information;
- we reasonably suspect fraud or unlawful activity;
- we are required to do so by law or a regulatory authority;
- you fail to complete required KYC or verification procedures;
- your account presents a security or compliance risk; or
- we otherwise reasonably determine that suspension or termination is necessary.
You may request closure of your account subject to any outstanding transactions, investments, obligations and applicable legal requirements.
Termination of your account will not affect rights or obligations that arose before termination.
Changes to our Terms of Use
Subject to applicable law, we may revise this Terms of Use from time to time.
When we revise this Terms of Use, we will post the revised version through our Services and update the date at the top of this Terms of Use.
The revised Terms of Use will become effective upon posting unless otherwise stated or required by applicable law.
If you do not agree to the revised Terms of Use, you should discontinue your access to and use of our Services.
Your continued use of our Services following the effective date of revised Terms of Use constitutes your acceptance of the revised Terms of Use.
Governing Law
This Terms of Use shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
Subject to any applicable regulatory or statutory dispute-resolution requirements, disputes arising from or relating to this Terms of Use or our Services shall be subject to the jurisdiction of the appropriate courts of Nigeria.
Grievance Redress Procedure
Any complaints, questions or requests regarding our Services or this Terms of Use should be directed to our customer service representatives using the contact details provided below.
We are committed to promptly addressing complaints and concerns raised by our Users.
Where a complaint relates to the processing of Personal Information, you may also exercise your rights and use the grievance procedures described in our Privacy Policy.
Where a complaint requires additional time to resolve because of its complexity or because information must be obtained from a third party, we will communicate the expected timeframe where appropriate.
Force Majeure
We shall not be responsible for any failure or delay in performing our obligations where the failure or delay results from circumstances beyond our reasonable control.
Such circumstances may include natural disasters, acts of government, war, terrorism, civil unrest, epidemics, pandemics, power failures, telecommunications failures, cyber incidents, banking system failures, internet disruptions and failures of third-party service providers.
Severability
If any provision of this Terms of Use is determined to be invalid, unlawful or unenforceable, that provision shall be interpreted or modified to the extent necessary to make it enforceable while preserving its intended purpose.
The remaining provisions shall continue in full force and effect.
No Waiver
Our failure to enforce any provision of this Terms of Use shall not constitute a waiver of our right to enforce that provision in the future.
Entire Agreement
This Terms of Use, together with our Privacy Policy and any additional terms applicable to specific Services, constitutes the agreement between you and us concerning your use of our Services.
Where specific terms apply to a particular investment or financial product, those terms shall apply in addition to this Terms of Use and shall prevail to the extent of any inconsistency concerning that specific product or Service.
How can I contact PoderMonie?
If you have any questions, comments, complaints or concerns with respect to this Terms of Use or our Services, please contact us at:
hello@podermonie.com
+234 901 379 5672
PoderMonie Ltd
No 8, Providence Street, Lekki Phase 1, Lagos Nigeria