Terms of Use

1. About these terms

These terms apply to your use of the SecureVest app and website. SecureVest is operated by SecureVest Limited (RC 9539627), and our services are provided with a partner bank licensed by the Central Bank of Nigeria (CBN). By creating an account, you agree to these terms. If you don't agree, please don't use SecureVest.

2. Who can use SecureVest

• You must be at least 18 years old.
• You must be able to enter into a binding agreement.
• You must give us accurate and current information.

3. Your account

To sign up, you give us your email address, choose a username and password, and confirm the one-time password (OTP) we send to your email.

In the app, you then verify your identity with face verification, your BVN and your NIN. This lets us open a Tier 1 account, and you verify again when you upgrade your account. Different account tiers may come with different limits. We can't open, upgrade or keep an account we're unable to verify.

Keep your password and OTP private, and never share them with anyone, including people who say they work for SecureVest. You're responsible for activity on your account, so tell us straight away if you think someone else has used it.

4. Your wallet

Your wallet holds your balance. You can add money to it, move money into a savings plan, and use it for transfers, bill payments and cards.

5. Where your money is held

Your money is held with our CBN-licensed partner bank, which provides protection for your deposits.

6. Savings plans

SecureVest offers three types of savings plan:

• Fixed savings: you lock money for 6 or 12 months and earn up to 12% p.a., paid in full at maturity. Your money stays locked until the plan matures, and early withdrawal forfeits interest.
• Flexible savings: you save at your own pace, and you can withdraw your money at any time with no limit.
• Target savings: you name a goal, set an amount, and track your progress.

Before you confirm a plan, we show you the rules that apply to it, including your payout, any interest, and what happens if you withdraw early.

7. Calculators and examples

The calculator and the examples on our website and in the app are estimates, for illustration only. The payout shown to you before you confirm a plan is the one that applies.

8. Fees

Some services may carry fees. We'll show you any fee before you confirm.

9. What you must not do

• Use SecureVest for anything unlawful, including fraud or money laundering.
• Give us false information or use someone else's identity or account.
• Interfere with the security or normal running of the app or website.

10. Closing or suspending an account

You can ask to close your account from within the app. When you do, we return the money in your account to you, subject to the rules of any active savings plan.

We may suspend or close an account when we need to comply with the law, protect you or us from fraud, or because these terms have been broken. Where we're allowed to, we'll tell you why.

11. Complaints

If something goes wrong, contact us using the details at the end of this page. We'll look into it and reply to you.

12. Our responsibility

We provide SecureVest with reasonable care and skill. SecureVest offers savings tools and isn't financial advice. We aren't responsible for losses we couldn't reasonably have predicted, or for delays or failures caused by events outside our control, such as network outages. Nothing in these terms limits any responsibility that the law doesn't allow us to limit.

13. Your data

How we collect and use your personal data is explained in our Privacy Policy.

14. Changes to these terms

We may update these terms from time to time. When we make an important change, we'll tell you in the app or by another suitable means. If you keep using SecureVest after a change takes effect, you accept the updated terms.

15. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, and Nigerian courts have jurisdiction, unless the law gives you the right to go elsewhere.