These terms and conditions of use (“Terms”) and any amendments and restatements hereof (the “Agreement”) along with other policies available on our Website/Platform form a legally binding agreement between You ( “User”) and DataMarket (“Izifin”, “Our”, “We”, “Us”).

By accessing or using the Website or accessing any of the associated services (Services), you hereby acknowledge that you have carefully and thoroughly read, understood, and accepted all of the terms and conditions contained in this Agreement including our Privacy Policy. In addition, you agree to be bound by any additional terms and conditions relating to promotions, bonuses and special offers which may be found on the Website/Platform or communicated to you from time to time.

If you do not agree with any part of these Terms of Use or/and Privacy Policy, kindly refrain from using Our Services. We reserve the right to update, revise, modify, or otherwise, reissue these terms. We may post a notice on the Website/Platform or when you use the services, and you can see when these Terms were last revised by referring to the "Last Updated" legend above. It is your responsibility to inform yourself regarding the terms, as well as being familiarized with the modifications that affect or will affect you. Your continued use of the services after any amendment to this Agreement constitutes your acceptance of the Agreement as modified by such amendment.

By agreeing to these Terms, you agree that any disputes or claims that you may have against Us shall be resolved on an individual basis and that you would not participate in any class action or consolidated proceeding against Us. If any court or arbitrator determines that this class action waiver is unenforceable, then the arbitration provision under this Agreement shall be null and void.

By using the Services, you expressly represent and warrant that, if you are a natural person, you are legally entitled to enter this Agreement. The Services are not available to minors (persons under the age of 18). By using the Services, you represent and warrant that you are at least 18 years old. By using the Services, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by the terms and conditions of this Agreement. You may only access the Services using authorized means. Violation of any of these Terms of Use, or any other agreement between you and us, may result in termination of your membership, deletion of your profile and any content or information posted by you, and/or prohibition from using or accessing any Services (or any part thereof), at our sole discretion, with or without notice. This includes termination if we believe you are under 18.

You represent and warrant that no materials submitted through your account or shared by you will violate or infringe upon any third party rights, including copyright, trademark, privacy, publicity, or other personal or proprietary rights, nor contain libelous, defamatory, fraudulent, or unlawful material. You also agree not to harvest or collect email addresses or other contact information of Users for the purpose of sending unsolicited emails or communications. Additionally, you agree not to use automated scripts to collect information from any Service or for any other purpose.

You shall be permitted full access to the Website/Platform and shall avail the Services on the Website/Platform only upon creating an Account on the Platform. As a part of the registration, You may be required to undertake a verification process to verify your personal information in order to set up the Account.

The Company shall have the right to display the information, feedback, ratings, reviews etc. provided by You on the Platform. You agree and accept that as on the date of Your registration on the Platform, the information provided by You is complete, accurate and up-to-date. You acknowledge and accept that the Company has not independently verified the information provided by You. We shall in no way be responsible or liable for the accuracy or completeness of any information provided by You. If You provide any information that is untrue, inaccurate, not current or incomplete, or Izifin has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, We reserve the right to suspend or terminate Your Account and refuse any and all current or future use of the Platform (or any portion thereof) at any time.

When You register for an account, You will be asked to provide us with some information about yourself, such as email address, phone number, or other contact information.

By registering for an Account, You represent, warrant and agree that:

1. You are using Your actual identity and the mobile phone number you have provided is registered in Your own name;
2. You will provide only true, accurate, current information about yourself, including optional information such as your profile photograph, on the Platform
3. You will provide your email address;
4. You will maintain and promptly update the User Details and other information that You provide on the Platform to keep it true, accurate, current, and up to date;
5. You shall not impersonate someone else. By creating an Account after providing a mobile phone number and verifying it, you represent, warrant, and agree that you are authorized to use the Platform and will abide by the Agreement.

Any information you provide, as outlined, will be considered non-confidential and will become our property. By providing such information, you agree to grant us an unrestricted, irrevocable license to use, reproduce, display, modify, and distribute it solely for purposes consistent with the function and operation of our site.

Datamarket is a platform where individuals, businesses, and organizations can buy, sell, exchange, or share data assets. These data assets can include a wide range of information, such as consumer demographics, market trends or even financial data, and more. Datamarket provides a centralized and efficient mechanism enabling data providers to offer their data for sale or licensing and data consumers to purchase or access the data they need for various purposes, such as analytics, research, decision-making, and product development.

Our Survey allows individuals and businesses to participate in surveys and earn rewards or incentives. Users can share their opinions on various topics, products, or services, providing valuable feedback to businesses and organizations. The Survey Service covers a wide range of industries and topics, ensuring a diverse range of survey opportunities for users. Participants can earn rewards or incentives for their contributions, making it a mutually beneficial platform for both users and businesses.

The Lending-as-a-Service (LaaS) connects individuals and businesses with lending options tailored to their needs. Whether seeking personal loans, business loans, or other financial products, users can explore a variety of lending options and connect with lenders through the platform. Izifin’s Lending Service prioritizes transparency and security, ensuring that users have access to clear information about loan terms and conditions, as well as secure transactions and data protection measures.

Our platform is built with state-of-the-art technology, ensuring the highest standards of security and reliability across all services, including Data-as-a-service (DaaS), survey participation, and lending services. We employ cutting-edge encryption to safeguard data transactions and facilitate seamless exchanges. Our platform also incorporates innovative features such as search and discovery tools, data visualization capabilities, and data quality assurance mechanisms to enhance the user experience across all our services.

Access to any Service for Users that are businesses or individuals acting on behalf of such businesses, including all Users participating in the lending-as-a-service, is intended only for authorized businesses that are legally registered to operate where they conduct business. By using any Service on behalf of a business or entity, including as a sole proprietor, you confirm that you are duly authorized by the business or entity to act on their behalf. You also affirm that you have the power and authority to enter into binding agreements on behalf of the business or entity or in the capacity in which you are acting.

Furthermore, you agree to all the terms and conditions of these Terms of Use individually and on behalf of the business or entity. You also confirm that you and the business or entity will comply with all the terms and conditions of these Terms of Use. If you, the business or entity, any other person acting on behalf of the business or entity, or any guarantor (if applicable) violate any of these Terms of Use, or otherwise violate an agreement between the business or entity (or any guarantor, if applicable) and Datamarket or any of its affiliates, Datamarket or such affiliate may terminate the business or entity's membership. They may also delete any associated profile and any content or information connected with the business or entity's membership. Additionally, they may prohibit you, the business or entity, and any other person acting on the business or entity's behalf from using or accessing any Service (or any portion, aspect, or feature of any Service), at any time in their sole discretion, with or without notice.

We may provide rewards (points or cash) to users who successfully complete the surveys and datamarket offers. Upon your adherence to these terms and conditions, as well as the terms and conditions specified in each individual offer, upon completion of an offer, we may credit a reward to your datamarket wallet account, in accordance with our user payment policy. Rewards are exclusively credited for offers advertised by Datamarket and fully completed. Lenders or financial institutions have their own criteria for determining the authenticity of transactions. These criteria may or may not be advertised by Datamarket or the merchant and may be discretionary.

Your cash rewards will be credited to your wallet account, from which you can transfer funds to your bank account. Please note that we will not be held liable for any outstanding payments owed to you in the event of a catastrophic data, software, or server error, cyber-attack, or any other event that renders it impossible for us to accurately determine accrued payments.

We reserve the right to suspend your user account at our discretion. If your account remains inactive for one (1) year or more, we will retain the balance in your account. However, if your account is active, we will pay the balance to you. Additionally, we may suspend your use of our service at any time at our sole discretion.

You are responsible for any tax liability arising from your use of the Datamarket Website/Platform. This includes liability related to the accrual and redemption of cash rewards.

Without our prior consent, you may not:

● Use any automated means to access this Site or collect any information from the Site (including, without limitation, robots, spiders, scripts, or other automatic devices or programs).

● Frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over this Site's pages, or otherwise affect the display of this Site's pages.

● Engage in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining content or other information.

● Upload, post, email, transmit, or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of commercial or non-commercial solicitation or bulk communications of any kind to any Datamarket member or third party.

● Use data provided by Datamarket for any competing uses or purposes.

● Use this Site in any manner that violates applicable law or that could damage, disable, overburden, or impair this Site or interfere with any other party's use and enjoyment of this Site.

We may terminate or disable your access to, or use of, this Site and any other Service at any time without notice for any reason, with or without cause, at Datamarket's sole discretion.

The following provisions of these Terms of Use shall survive termination of your use or access to any Service: the sections concerning Indemnification, Warranties, Limitation of Liability, Waiver, Governing Law, and any other provision that by its terms survives termination of your use or access to any Service.

Our survey service is designed to reward normal internet browsing behaviors, and it is important that surveys are completed accurately. If we believe, or our algorithms indicate, that you are abusing our service by completing surveys with inaccurate or fraudulent information, we reserve the right to take action. This may include reducing the amount of payments made to you or ceasing payments altogether, at our sole discretion.

For Datamarket, misuse includes but not limited to providing false or misleading data or engaging in fraudulent transactions. In the case of the Lending Service, misuse involves providing false information in loan applications, attempting to defraud lenders, or engaging in any other activity that undermines the integrity of the lending process. We reserve the right to take appropriate action, including reducing payments or suspending accounts, in cases of misuse.

You are prohibited from using our sites/mobile application in any way that violates local, national, or international laws or regulations, or that causes us to violate any laws or regulations.

Furthermore, you are not authorized to incorporate any content from our site into any commercial document or website without our written consent.

You must also refrain from attempting to gain unauthorized access to our service (including our site) or any server, computer, or database connected to our service. This includes refraining from attacking our service through denial-of-service attacks or distributed denial-of-service attacks.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal or internal business purposes.

You agree not to:

1. Use the Platform for any unlawful purpose or in violation of these Terms;
2. Access or use the Platform in any manner that could damage, disable, overburden, or impair the Platform or interfere with any other party's use and enjoyment of the Platform;
3. Attempt to gain unauthorized access to any part of the Platform or any systems or networks connected to the Platform;
4. Copy, modify, distribute, sell, or lease any part of the Platform or its content without the Company's prior written consent;
5. Use any automated means, including robots, spiders, or scrapers, to access or interact with the Platform;
6. Use the Platform to transmit or distribute any viruses, worms, defects, Trojan horses, or other malicious code;
7. Impersonate any person or entity, or falsely state or otherwise misrepresent yourself or your affiliation with any person or entity;
8. Collect or store any personally identifiable information from other users of the Platform without their express consent;
9. Violate any applicable laws, regulations, or third-party rights.

To experience the full features of our service, you may need to activate your wallet on our platform. This wallet gives you access to the following features:

● Wallet enables a user to get access to loan offerings.

● Wallet enables debit from the user and credit to the loan provider at collection.

● Wallet gets credited when users fill a paid survey

● Wallet supports businesses to transact on Datamarket and withdraw money to their bank account.

● Wallet enables businesses to create loan products, surveys and make necessary payments.

By agreeing to these terms, the Customer authorizes the Company to debit the applicable charges or payments directly from the Customer's debit card or wallet associated with their account.

We reserve the right, without prior notice to you, to add or remove any business/entity. You acknowledge that we have no special relationship with or fiduciary duty to you, and we have no obligation to take any action regarding any rewards, loans or potential rewards from any business/entity.

You agree that we are not agents of any business/entity or other third party. Therefore, your participation in any transaction with any business or entity and your correspondence with any business or other third party, is solely between you and that business or entity. We do not assume any liability, obligation, or responsibility for any part of such offer, transaction, or correspondence, including, without limitation, the withdrawal or modification of any such offer or transaction. We are not responsible for any changes to or discontinuance of any business or entity from Our website/application.

We do not endorse, warrant, or guarantee the products, services, or business or entity and we are not responsible for their activities, policies or services. When you use the platform to access business/entity, you do so at your own risk. Business or entity are not under our control, and you acknowledge and agree that we are not responsible or liable, directly or indirectly, for any aspect of content, functions, accuracy, transactions, legality, privacy policies, practices, terms of use, prices, offers, rates, opinions expressed, appropriateness, or any other aspect of such third parties. We do not guarantee that the product details, prices, or other service terms, rates, or rewards offered by any particular business or entity through Us are actually the terms that may be offered or provided to you.

You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or relating to your use of or reliance on any such transaction, content, or services available from or through any such business/entity. If there is a dispute between you and any business or entity, you agree that we are under no obligation to represent your interests in any way.

To the maximum extent permitted by applicable laws and regulations, you release Datamarket, its officers, employees, agents, and successors from claims, demands, and damages of every kind or nature, known or unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way related to your use the Website/Platform

The Company alone (and its licensors, where applicable) shall own all right, title and interest, including all related intellectual property rights, in and to the Software and the Services and any suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by you or any other party relating to the Software or the Services. This Agreement is not a sale and does not convey to you any rights of ownership in or related to the Software or the Service, or any intellectual property rights owned by the Company. The Company name, the Company logo, and the product names associated with the Software and Service are trademarks of the Company or third parties, and no right or license is granted to use them.

By entering into this Agreement and using the Service, you agree that you shall defend, indemnify and hold the Company, its licensors and each such party’s parent organizations, subsidiaries, affiliates, officers, directors, members, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with: (a) your violation or breach of any term of this Agreement or any applicable law or regulation, whether or not referenced herein; (b) your violation of any rights of any third party,(c) your use or misuse of the Service.

We respect your privacy and are committed to protecting your personal information. Please review our Privacy Policy to learn more about why we retain your information, how we collect, use, and protect your personal information.

THE COMPANY MAKES NO REPRESENTATION, WARRANTY, OR GUARANTY AS TO THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, AVAILABILITY, ACCURACY OR COMPLETENESS OF THE SERVICE OR SOFTWARE. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT (A) THE USE OF THE SERVICE OR SOFTWARE WILL BE SECURE, TIMELY, UNINTERRUPTED OR ERROR‐FREE OR OPERATE IN COMBINATION WITH ANY OTHER HARDWARE, SOFTWARE, SYSTEM OR DATA, (B) THE SERVICE OR SOFTWARE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, (C) ANY STORED DATA WILL BE ACCURATE OR RELIABLE, (D) ERRORS OR DEFECTS IN THE SERVICE OR SOFTWARE WILL BE CORRECTED, OR (E) THE SERVICE OR THE SERVER(S) THAT MAKE THE SERVICE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE SERVICE AND SOFTWARE IS PROVIDED TO YOU STRICTLY ON AN “AS IS” BASIS. ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON‐INFRINGEMENT OF THIRD-PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW BY THE COMPANY. THE COMPANY MAKES NO REPRESENTATION, WARRANTY, OR GUARANTY AS TO THE RELIABILITY, SAFETY, TIMELINESS, QUALITY, SUITABILITY OR AVAILABILITY OF ANY SERVICES, PRODUCTS OR GOODS OBTAINED BY THIRD PARTIES THROUGH THE USE OF THE SERVICE OR SOFTWARE.

YOU ACKNOWLEDGE AND AGREE THAT THE ENTIRE RISK ARISING OUT OF YOUR USE OF THE SOFTWARE AND SERVICE, AND ANY THIRD-PARTY SERVICES OR PRODUCTS REMAINS SOLELY WITH YOU, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

THE COMPANY’S SERVICE AND SOFTWARE MAY BE SUBJECT TO LIMITATIONS, DELAYS, DISRUPTIONS AND OTHER PROBLEMS INHERENT IN THE USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS. THE COMPANY IS NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS.

YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL THE COMPANY BE LIABLE FOR DIRECT OR INDIRECT INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, ARISING OUT OF YOUR USE OF THE SITE OR SERVICE. ADDITIONALLY, IZIFIN IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, DELAY IN OPERATION OR TRANSMISSION OR LINE SYSTEM FAILURE (II) NO WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF CONDITION, UNINTERRUPTED USE, MERCHANTABILITY, SATISFACTORY QUALITY, IN CONJUNCTION TO WEBSITE, SERVICES, OR ANY SOFTWARE OR TOOLS CONTAINED IN WEBSITE AND SERVICES AND IN GENERAL (III) WE SHALL NOT BEAR ANY LIABILITY, WHATSOEVER, FOR ANY DAMAGE OR INTERRUPTIONS CAUSED BY ANY COMPUTER VIRUSES, SPYWARE, SCAREWARE, TROJAN HORSES, WORMS OR OTHER MALWARE THAT MAY AFFECT YOUR COMPUTER OR OTHER EQUIPMENT, OR ANY PHISHING, SPOOFING OR OTHER ATTACK. (V) YOU AGREE THAT YOU ARE RESPONSIBLE FOR ALL DATA CHARGES YOU INCUR THROUGH USE OF THE PLATFORM.

Notices made by us for You or Your account specifically (e.g., notices of breach and/or suspension) will be provided to You via a notification message displayed on Your account page or via the email address provided to us in Your registration for the Services or in any updated email address You provide to us in accordance with standard account information update procedures we may provide from time to time. It is Your responsibility to keep Your email address current and You will be deemed to have received any email sent to any such email address, upon our sending of the email, whether or not You actually receive the email. For notices made by You to us and for questions regarding this Agreement or the Services, You may contact the Company at the contact details below

The Company reserves the right to close or suspend Your account without prior warning should You contravene any of the terms and conditions of this Agreement and any future amendments and additions thereto.

Responsibility. If You authorize, assist, encourage or facilitate another person or entity to take any action related to the subject matter of Your Agreement with the Company and/or these Terms and Conditions, You shall be deemed to have taken the action Yourself.

Severability.If any portion of these Terms and Conditions is held by a court of competent jurisdiction to be invalid or unenforceable, the remaining portions of these Terms and Conditions will remain in full force and effect, and any invalid or unenforceable portions shall be construed in a manner that most closely reflects the effect and intent of the original language. If such construction is not possible, the provision will be severed from these Terms and Conditions, and the rest of the Terms and Conditions shall remain in full force and effect.

Waivers.The failure by us to enforce any provision of these Terms and Conditions shall in no way be construed to be a present or future waiver of such provision nor in any way affect our right to enforce such provision thereafter. All waivers by us must be in writing to be effective.

Successors and Assigns.These Terms and Conditions will be binding upon, and inure to the benefit of the Company and any contracting parties and their respective successors and assigns.

No Agency. Nothing in these Terms and Conditions shall be construed as creating a partnership, contract of employment, agency, joint venture or franchise relationship between Izifin and You.

No Third Party Beneficiary.You acknowledge and agree that, except as otherwise expressly provided in the Terms, there shall be no third-party beneficiary to any agreement entered into with the Company.

These Terms of Use shall be governed by and construed in accordance with the laws of Nigeria. Any disputes arising from the use of our platform or services shall be resolved through mediation and negotiation. Where a resolution cannot be reached, You and Datamarket shall have recourse to Arbitration in Nigeria in accordance with the provisions of the Arbitration and Mediation Act or any amendments thereto.

We may revise these Terms of Use at any time, without notice. By continuing to use our platform and services, you agree to be bound by the revised Terms of Use.

If you have any questions about this terms of use or privacy policy or our privacy practices, please contact us using the details provided below:

Email address:info@datamarket.co