Fitly Terms of Use

These Terms of Use ("Terms") govern your access to and use of the Fitly website, mobile application, and related services (collectively, the "Services").

By creating an account, accessing, or using Fitly, you agree to be bound by these Terms. If you do not agree, do not use the Services.

These Terms should be made available on the website and linked again during registration so that users can review them before creating an account.

1. Who We Are

Fitly is a financial organisation and money-management platform designed to help users track budgets, monitor expenses, plan debt repayment, monitor savings goals, manage tax reserve planning, track land-and-build planning, and organise Ajo/Esusu contributions.

The service is operated by Fitly Technologies Limited (RC 9592303), a private company limited by shares incorporated in Nigeria under the Companies and Allied Matters Act, 2020 on 4 June 2026.

2. Important Service Nature Disclosure

Fitly is not a bank, not a deposit-taking institution, and not a money transfer service.

Fitly does not:

• hold customer funds;
• receive deposits on behalf of users;
• debit user bank accounts;
• initiate transfers from user bank accounts;
• process withdrawals from user bank accounts; or
• access or store bank passwords, transaction PINs, card PINs, or OTPs entered in third-party bank-connection flows.

Where bank connection is available, Fitly uses a third-party provider such as Mono to access account and transaction information on a read-only basis for budgeting and financial planning purposes only.

3. Eligibility

You may use Fitly only if:

• you are at least 18 years old;
• you have capacity to enter into a binding agreement;
• the information you provide is accurate and current; and
• your use of the Services is lawful in your jurisdiction.

4. Your Fitly Account

You may need to create an account to use some or all of the Services. You are responsible for:

• providing accurate registration information;
• keeping your login credentials secure;
• maintaining the confidentiality of your account;
• all activities carried out through your account unless caused by our failure to maintain reasonable security; and
• notifying us promptly if you believe your account has been compromised.

5. Bank Linking and Third-Party Connections

Fitly may allow you to connect an eligible bank account through a third-party integration provider such as Mono.

By choosing to connect an account, you understand and agree that:

• the connection flow is handled by the third-party provider, not by Fitly directly;
• Fitly does not control the credentials-entry interface used by the provider;
• credentials entered into the provider's environment are not visible to Fitly;
• the connection is intended to be read-only;
• the purpose of the connection is to retrieve account and transaction information for budgeting, expense tracking, and financial planning within Fitly; and
• Fitly cannot use that connection to move money or make transfers from your account.

Your use of any third-party connection may also be subject to the provider's own terms and privacy policy.

6. What Fitly Provides

Subject to these Terms, Fitly may provide tools that help you:

• track income and spending;
• organise budgets and categories;
• monitor debt balances and repayment plans;
• track savings and emergency fund goals;
• track tax reserve goals;
• track land-and-build savings and expense records;
• organise Ajo/Esusu contribution records; and
• receive educational prompts, reminders, and AI-assisted financial coaching.

Fitly may add, remove, suspend, or modify features from time to time.

7. AI Coach and Educational Content

Fitly may provide AI-assisted insights, summaries, prompts, or educational support.

You agree that:

• AI-generated content is for general educational and informational use within the Services;
• AI outputs may not always be complete, accurate, or suitable for your circumstances;
• Fitly does not provide legal, tax, investment, accounting, or regulated financial advice through the AI features; and
• you remain responsible for your own financial decisions.

8. User Responsibilities

You agree not to:

• use Fitly for unlawful, fraudulent, or misleading purposes;
• impersonate another person or misrepresent your identity;
• upload false, harmful, or misleading financial records;
• interfere with the security, integrity, or performance of the Services;
• attempt to gain unauthorised access to systems, accounts, or data;
• reverse engineer, scrape, or exploit the Services except as allowed by law; or
• use the Services in a way that infringes our rights or the rights of another person.

9. Subscription and Paid Features

Some Fitly features may be offered on a paid or subscription basis.

If paid plans are introduced or activated:

• pricing, billing cycle, and feature access will be disclosed before payment;
• payments may be processed by third-party payment partners;
• failure of payment may result in suspension or downgrade of premium access; and
• refunds, if any, will be handled according to the applicable purchase terms presented at checkout.

10. Privacy

Your use of Fitly is also governed by our Privacy Policy, which explains how we collect, use, and share personal data. By using Fitly, you acknowledge that you have read the Privacy Policy.

11. Intellectual Property

Fitly and its content, design, text, graphics, logos, software, workflows, and branding are owned by or licensed to us and are protected by applicable intellectual property laws.

Except for the limited right to use the Services in accordance with these Terms, no rights are granted to you in relation to Fitly's intellectual property.

You may not copy, adapt, reproduce, distribute, modify, publish, create derivative works from, or commercially exploit any part of the Services except as expressly allowed by us in writing or as permitted by law.

12. Feedback

If you provide feedback, suggestions, or ideas about Fitly, you grant us the right to use and adapt that feedback without restriction or compensation, provided doing so does not override your non-waivable rights under applicable law.

13. Service Availability

We aim to keep Fitly available and reliable, but we do not guarantee uninterrupted or error-free service.

We may suspend, withdraw, restrict, or modify all or part of the Services for maintenance, updates, security reasons, legal reasons, or operational reasons.

14. Disclaimers

Fitly is provided on an "as is" and "as available" basis to the fullest extent permitted by law.

To the fullest extent permitted by law, Fitly disclaims warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

Without limiting the above:

• Fitly does not guarantee that a connected bank account will always sync successfully;
• Fitly does not guarantee that categorisation or insights will always be correct;
• Fitly does not guarantee uninterrupted availability of any partner integration;
• Fitly does not guarantee that AI outputs will be error-free; and
• Fitly does not guarantee any financial outcome, savings result, debt reduction result, or budgeting success.

15. Limitation of Liability

To the fullest extent permitted by law, Fitly and its founders, officers, employees, contractors, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, savings, goodwill, data, or business opportunity arising out of or related to your use of the Services.

To the fullest extent permitted by law, our total aggregate liability for claims arising out of or relating to the Services will not exceed the amount you paid to Fitly for the relevant Services during the 12 months immediately preceding the event giving rise to the claim, or NGN 50,000 if you have not made any payment to us, unless applicable law requires otherwise.

Nothing in these Terms excludes liability that cannot lawfully be excluded.

16. Indemnity

You agree to indemnify and hold harmless Fitly and its personnel from claims, losses, liabilities, damages, and costs arising out of:

• your misuse of the Services;
• your breach of these Terms;
• your violation of applicable law; or
• your infringement of another person's rights.

17. Suspension and Termination

We may suspend or terminate your access to Fitly if:

• you breach these Terms;
• we suspect fraud, abuse, or unlawful activity;
• required by law or a regulator; or
• it is necessary to protect the Services, users, or third parties.

You may stop using the Services at any time. You may also request account closure, subject to legal, security, audit, or record-retention requirements.

18. Third-Party Services

Fitly may integrate with or contain links to third-party services, including bank-linking providers, payment processors, analytics services, cloud infrastructure providers, communication services, and AI providers.

We are not responsible for the acts, omissions, availability, content, or policies of those third parties except to the extent required by law.

19. Changes to the Services or These Terms

We may update these Terms from time to time. If we make material changes, we may notify you through the website, app, email, or other reasonable means.

Your continued use of Fitly after updated Terms take effect means you accept the revised Terms.

20. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria.

Any dispute arising out of or relating to these Terms or the Services will first be addressed in good-faith discussions between the parties. If the dispute is not resolved, the parties submit to the courts of competent jurisdiction in Nigeria, unless applicable law requires otherwise or the parties agree to another lawful dispute-resolution method.

21. Contact

If you have questions about these Terms, please contact:

Fitly
Company: Fitly Technologies Limited (RC 9592303)
Support Email: hello@fitly.com.ng
Privacy / Legal Contact: dpo@fitly.com.ng
Address: 0, Ehigiegba Street, Ekosodin, Benin City, Edo State, Nigeria.