Terms & Conditions

1.1. By using our Platform in any manner, you confirm that you accept these terms of use and that you agree to comply with and be bound by them.

1.2. You understand that a breach of any of these terms of use may result in your rights to use the services on the Platform being restricted, suspended, or withdrawn.

1.3. By using this Platform, you represent and warrant that you are 18 years old and above and are otherwise capable of entering into binding contracts including this Terms of Use.

1.4. We may amend these terms of use at any time by amending this page. Please check this page from time to time to take notice of any changes we make as they will be binding on you. If you are an existing User, we will duly inform you of any amendments that are made, by sending a prompt on the Platform.

1.5. You acknowledge and agree that:

1. You will not use our services for any illegal or unauthorized purpose.
2. You must not transmit any worms or viruses or any code of a destructive nature.
3. A breach or violation of any of the terms will result in an immediate termination of your account and right to use our Services.
4. We have the right, but not the obligation, to take any of the following actions in our sole discretion at any time and for any reason without giving you any prior notice:
   • Restrict, suspend or terminate your access to all or any part of our services;
   • Change, suspend or discontinue all or any part of our services;
   • Refine, move, or remove any content that is available on all or any part of our services;
   • Deactivate or delete your accounts;
   • Establish general practices and limits concerning use of our services
5. You agree that we will not be liable to you or any third party for taking any of these actions.
6. You understand and agree that our services may include communications such as service announcements and administrative or legal notices from us. Please note that you cannot opt-out of receiving these notices.
7. You understand that your content (not including debit card information), may be unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks (if applicable).
8. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform without express written permission by us.
9. You agree not to modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the platform. Use of the platform does not entitle users to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Reeddi and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Wheels or our licensors except as expressly authorized by these terms.

2.1. Once you create an account with us, you are registered on the Platform. If you are merely surfing or browsing through the Platform and have not yet created an account, your access and use of the Platform is still subject to this agreement. If you do not agree to this agreement, do not use the Services.

2.2. When you register for an account, you will be required to provide us with some information about yourself (such as your name, date of birth, e-mail address, physical address, phone number, debit card information or other personal information). Some of this information may be of a confidential nature and may include personally identifiable information (“Your Information”).

2.3. If you provide Your Information to us then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information with us, if it changes.

2.4. Our collection, use and disclosure of Your Information is governed by these Terms & Conditions, our Privacy Notice and any applicable law.

3.1. If you have been issued an account by Reeddi in connection with your use of the Pluck platform, you are responsible for safeguarding your password and any other credentials used to access that account, even if you authorize other parties in your organization to access your account. You, and not Reeddi, are responsible for any activity occurring on your account, including but not limited to incidents where your password has been compromised. If you become aware of any unauthorized access to your account, you should notify Reeddi immediately. Where it is determined that such an account has been compromised at your instance, you shall be solely responsible for the direct losses incurred by Reeddi and others due to any unauthorized use of your account.

3.2. You acknowledge that Reeddi is not responsible for third party access to your account that results from theft or misappropriation of your account. Notify us immediately if you believe that someone has used your username, email, or password without your authorization.

3.3. Reeddi may send notices to the email address or text messages to your mobile phone registered with your account. You must keep your email address, mobile phone number and, where applicable, your contact details and payment details associated with your account current and accurate.

6.1. As a user of our platform, you herein acknowledge, understand and agree that all information, text, software, data, photographs, messages, tags or any other content, whether it is publicly or privately posted and/or transmitted, is the expressed sole responsibility of the individual from whom the content originated. As such, we do not guarantee the accuracy, integrity or quality of such content. It is expressly understood that by use of our services, you may be exposed to content including, but not limited to, any kind incurred as a result of the use of any content provided, emailed, transmitted or otherwise made available by Reeddi.

6.2. Furthermore, you herein agree not to make use of Pluck for the purpose of:

1. uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusing, harassing, tortious, defamatory, vulgar, obscene, libelous, or invasive of another’s privacy or which is hateful, and/or racially, ethnically or otherwise objectionable;
2. Causing harm to minors in any manner whatsoever;
3. Impersonating any individual or entity, or falsely stating or otherwise misrepresenting any affiliation with an individual or entity;
4. uploading, posting, emailing, transmitting or otherwise offering any content that you personally have no right to or that may infringe any patent, copyright, trademark, or any other proprietary or intellectual rights of any other party;
5. uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or unauthorized advertising, promotional flyers, junks mail, spam or any other form of solicitation;
6. Disrupting the normal flow of communication, or otherwise acting in any manner that would negatively affect other users’ ability to participate in any real time interactions;
7. Interfering with or disrupting any services on Pluck, servers and/or networks that may be connected or related to our website, including but not limited to the use of any device software and/or routine to bypass the robot exclusion headers;
8. Collecting or storing of any personal data relating to any other member or user in connection with the prohibited conduct and/or activities which have been set forth in the aforementioned paragraphs.

6.3. Reeddi hereby reserves the right to access, preserve and/or disclose member account information and/or content if it is requested to do so by law or in good faith that any such action is deemed necessary for:

1. Compliance with any legal process
2. Enforcement of these terms
3. Responding to any claim that therein contained content is in violation of the rights of any third party
4. Protecting the rights, property or the personal safety of Pluck, its visitors, users and members including the general public

7.1. We own and are the licensor of all rights, titles, and interests, in and to the Platform including all rights under patents, copyrights, design rights, trade secrets, and all other proprietary rights.

7.2. Your right to access and use our Platform is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use our Platform for lawful purposes and pursuant to the terms and conditions of this Terms and Conditions and our Privacy Notice. Any action by you that,

1. violates the terms and conditions of this Terms and/or the Privacy Notice;
2. restricts, inhibits or prevents any access, use or enjoyment of our Platform; or
3. through the use of our Platform, defames, abuses, harasses, offends or threatens others,

shall not be permitted, and may result in your loss of the right to access and use our Platform.

7.3. The rights granted to you in these Terms are subject to restrictions. You therefore agree that you shall not and shall not encourage or authorize any third party to directly or indirectly:

1. copy, publish, distribute, license, sublicense, sell, resell, rent, lease, transfer, assign, host, or otherwise commercially exploit the Platform including as a service bureau or outsourcing offering or otherwise access or use the Platform other than as expressly permitted hereunder;
2. modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Platform;
3. access the Platform in order to build a similar or competitive Platform; and
4. except as expressly stated herein, no part of the Platform may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means.

Any future release, update, or other addition to functionality of the Platform shall be subject to these Terms.

7.4. Furthermore, you agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor our Platform or any portion of our Platform or for any other purpose, without our prior written permission. Additionally, you agree that you will not:

1. copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from our Platform without our prior written permission and the appropriate third party, as applicable;
2. interfere or attempt to interfere with the proper working of our Platform or any activities conducted on our Platform;
3. bypass any robot exclusion headers or other measures we may use to prevent or restrict access to our Platform, or
4. interfere or disrupt the Service or servers or networks connected to the Platform, including by transmitting any worms, viruses, spyware, malware or any other code of a destructive or disruptive nature.

8.1. You shall not and shall not permit any person using your device or account to:

1. use this Platform in a way that causes or could cause damage or restrict the availability or accessibility of the Platform;
2. extract, mine, scrap proprietary and personal data from this Platform without our express and written permission;
3. store, copy, transmit, publish or distribute any computer virus, spyware, Trojan horse, worm, keystroke logger or other malicious software via this Platform;
4. conduct any fraudulent or illegal activities via the Platform.

8.2. You understand and agree that if any fraudulent activity is associated with the operation of your account, we shall have the right to apply restrictions to your account and report it to the appropriate law enforcement agencies.

9.1. “User Content”, means, without limitation, any messages, texts, digital files, images, photos, personal profile, artwork, videos, audio, comments, feedback, suggestions, and documents, or any other content you upload, transmit or otherwise make available to Reeddi and its users via Pluck. We may, in our sole discretion, permit you from time to time, to submit, upload, publish or otherwise make available to us, through the Platform any User Content. You represent and warrant that you own or otherwise control the rights to your User Content and that every part thereof, is an original work by you, or you have obtained all rights, licenses, consents and permissions necessary to use those parts at all times. You further agree to indemnify Reeddi and its affiliates for all claims arising from or in connection with any claims to any rights in your User Content or any damages arising from your User Content.

9.2. By submitting User Content on or through the Platform, you grant Reeddi a perpetual, irrevocable, transferable, assignable, worldwide, non-exclusive, royalty-free license (with the right to sublicense through multiple tiers) to access, use, re-use, reproduce, transmit, print, publish, display, exhibit, distribute, redistribute, copy, host, store, cache, archive, index, categorize, comment on, broadcast, stream, download, edit, alter, modify, adapt, translate, create derivative works based upon and publicly perform such User Content without attribution, and the requirement of any permission from or payment to you, or any other person or entity, in any manner including, without limitation, for commercial, publicity, trade, marketing, promotional, or advertising purposes, and in any media now known or hereafter devised, under applicable laws.

9.3. For us to provide the Service to you, we require that you grant us certain rights concerning User Content, including the ability to manipulate, process, store and copy User Content to provide our Services. Your acceptance of this ‘Terms and Conditions’ permits us to do so and grants us any such rights necessary to provide the Service to you.

9.4. Reeddi expressly disclaims any liability for the loss or damage to any User Content or any losses or damages you incur as a result of the loss or damage of any User Content. It is your responsibility to back up any User Content to prevent its loss.

9.5. You are solely responsible for your User Content, including, without limitation, comments and feedback.

9.6. Reeddi may block, remove or return any User Content at any time for any reason whatsoever, or no reason at all. We are not responsible for the authenticity, accuracy, completeness, appropriateness, or legality of User Content.

9.7. User warrants and agrees not to:

1. publish falsehoods or misrepresentations that could cause injury, loss, or damage to Reeddi or any third party;
2. submit material that is unlawful, obscene, lewd, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, violent, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate or objectionable;
3. post advertisements or solicitations of business;
4. impersonate another person; or
5. submit copyrighted material, protected by trade secret or otherwise subject to third party intellectual property or proprietary rights, including privacy and publicity rights unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant Reeddi all of the license rights granted herein.

9.8. Notwithstanding the foregoing, Reeddi assumes no responsibility for monitoring the Service for inappropriate content or modifying or removing such content from the Platform.

12.1. You acknowledge and agree that in order to provide monitoring, repayment tracking, and device-management services for financed devices/assets, we may integrate our Platform with third-party service providers through an Application Programming Interface (API), including debt-collection and device/asset-management providers (“Third-Party Providers”).

12.2. Through these integrations, Third-Party Providers may receive access to certain device-related information, including device/asset identifiers, IMEI numbers, usage status, payment status, and other information strictly required for repayment monitoring and device/asset-management functions. Third-Party Providers may also, where applicable, trigger device restrictions or deactivation in accordance with your financing agreement.

12.3. We shall ensure that any Third-Party Provider accessing such data or performing such actions is bound by appropriate confidentiality, data-protection, and security obligations. However, Third-Party Providers operate independently, and their collection, use, processing, and control of data or device/asset-access functions shall be governed by their own Terms of Use and Privacy Policy.

12.4. By using the Platform, you expressly consent to the sharing of your Information and device/asset information with such Third-Party Providers for the purposes described above and acknowledge that we are not liable for any actions taken by Third-Party Providers within the scope of their authorised functionality.

14.1. The Pluck Platform is provided on an “as is” and “as available” basis. Reeddi does not represent, warrant, or guarantee that access to Pluck Platform will be uninterrupted or error free. In case of any faults in the software, we will endeavor to correct them as soon as possible, but please keep in mind that the functioning of the platform may be restricted due to occasional technical errors, and we are not able to guarantee that the platform will always function.

14.2. Reeddi, its representatives, directors and employees are not liable for any loss or damage that you may incur because of using Pluck, including but not limited to:

1. any direct or indirect property damage or monetary loss.
2. loss of profit.
3. loss of business, contracts, contacts, goodwill, reputation, and any loss that may arise from interruption of the business.
4. loss or inaccuracy of data; and
5. any other type of loss or damage.

14.3. To the maximum extent permitted by law, Reeddi’s total aggregate liability arising out of or in connection with these Terms or the use of the Platform shall not exceed the total fees paid by the User under these Terms during the twelve (12) months preceding the event giving rise to the claim.

14.4. You agree to fully indemnify and hold Reeddi, its affiliate companies, representatives, employees, and directors harmless from any claims or losses (including liabilities, damages, costs and expenses of any nature) that they suffer as a result of your use of Pluck.

14.5. Reeddi will immediately terminate your use of Pluck if you breach these Terms and Conditions.

15.1. You acknowledge, understand and agree that all of Pluck’s trademarks, copyright, trade name, service marks, and other logos and any brand features, and/or product and service names are trademarks and as such, are and shall remain the property of Reeddi. You herein agree not to display and/or use in any manner such logo or marks without obtaining Reeddi’s prior written consent.

15.2. Reeddi will always respect the intellectual property of others, and we ask that all of our users do the same. With regards to appropriate circumstances and at its sole discretion, Reeddi may disable and/or terminate the accounts of any user who violates our Terms and/or infringes the rights of others.

15.3. If you feel that your work has been duplicated in such a way that would constitute copyright infringement, or if you believe your intellectual property rights have been otherwise violated, you should provide to us the following information:

1. The electronic or physical signature of the individual that is authorized on behalf of the owner of the copyright or other intellectual property interest;
2. A description of the copyrighted work or other intellectual property that you believe has been infringed upon;
3. A description of the location of the site which you allege has been infringing upon your work;
4. Your physical address, telephone number and email address;
5. A statement, in which you state that the alleged and disputed use of your work is not authorized by the copyright owner, its agents or the law; and
6. A statement, made under penalty of perjury, that the aforementioned information in your notice is truthful and accurate, and that you are the copyright or intellectual property owner, representative or agent authorized to act on the copyright or intellectual property owner’s behalf.

16.1. As a user of Pluck, you may cancel or terminate your account, associated email address and/or access to our services by submitting a cancellation or termination request to hello@reeddi.com.

16.2. You agree that Reeddi may, without any prior written notice, immediately suspend, terminate, discontinue and/or limit your account and access to any of our Services. The cause for such termination, discontinuance, suspension and/or limitation of access shall include, but is not limited to:

1. any breach or violation of our Terms or any other incorporated agreement, regulation and/or guidelines
2. reports from other users as to your objectionable/abusive content.
3. by way of requests from law enforcement or any other governmental agencies.
4. the discontinuance, alteration, and/or material modification to our services, or any part thereof.
5. unexpected technical or security issues and/or problems.
6. any extended periods of inactivity.
7. any engagement by you in fraudulent or illegal activities, and/or.
8. the nonpayment of any associated fees that may be owed by you in association with your Pluck account.

16.3. You also agree that all termination, suspension, discontinuance, or limitation of access, shall be made at our sole discretion and we shall not be liable to you or any third party with regards to the termination of your account and access to our platform.

17.1. SAVE AS OTHERWISE AGREED IN WRITING BY PARTIES, REEDDI DOES NOT WARRANT THAT THE SERVICES OR THE SERVERS THAT MAKE THE PLATFORM AVAILABLE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY PRODUCT DESCRIPTION OR OTHER CONTENT OFFERED AS PART OF THE SERVICES ARE ACCURATE, RELIABLE, CURRENT OR COMPLETE.

17.2. YOU EXPRESSLY AGREE THAT YOUR USE OF THE PLATFORM IS AT YOUR SOLE RISK. IF YOU DOWNLOAD ANY CONTENT ON THE PLATFORM, YOU DO SO AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH CONTENT THROUGH THE PLATFORM.

17.3. YOU AGREE TO DEFEND AND HOLD REEDDI AND ANY OF ITS DIRECTORS, AFFILIATES, EMPLOYEES, AGENTS HARMLESS AGAINST ANY AND ALL LEGAL CLAIMS AND DEMANDS, INCLUDING REASONABLE ATTORNEY’S FEES, WHICH MAY ARISE FROM OR RELATE TO YOUR USE OR MISUSE OF THE PLATFORM, YOUR BREACH OF THIS ‘TERMS OF USE OR YOUR ACTIONS. YOU AGREE THAT REEDDI SHALL BE FREE TO ELECT ITS OWN LEGAL COUNSEL AND PARTICIPATE IN ITS OWN DEFENSE IF IT WISHES.

18.1. You agree that this Terms of Use and any contractual obligation between you and Reeddi will be governed by the laws of the Federal Republic of Nigeria.

18.2. If a dispute or difference arises as to the validity, interpretation, effects, or rights and obligations of the Parties under these Terms and Conditions, the Parties shall use their best endeavor to reach an amicable settlement of the dispute.

18.3. If any such dispute is not settled between the Parties within fourteen (14) days, the Parties agree to submit such dispute to Mediation at the Lagos State Multi-Door Courthouse (LMDC) for resolution under the provisions of Lagos State Multi-Door Courthouse (LMDC) Law 2007.