Terms
of Use.

These Terms of Use ("Terms") govern your access to and use of the fitly.com.ng website and any product built, released, or operated by Fitly Technologies Limited, including the Fitly budgeting application, PositionTools, Traders Companion, and the LinkedIn tool (collectively, the "Services"). By creating an account, accessing, or using a Service, you agree to be bound by these Terms. If you do not agree, do not use the Services.

The Services are 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. Fitly is a software company: it builds software products, and it is not a bank.

These Terms apply to this website and to every Fitly product, whatever stage it has reached. Where a product page, an application screen, or a separate agreement states terms specific to that product, those terms add to these Terms and take precedence for that product.

Where a product is still in development, nothing in these Terms or on this website is a promise that the product will be delivered, on any date or at all.

fitly.com.ng is the company website of Fitly Technologies Limited. It describes the products we are building. Each product page states where that product stands, and those products are built, in development, or in their early stages. What they do can change while they are being prepared, a product can be renamed or delayed, and a product can be dropped.

This website does not sell anything and does not take payment. Nothing published here is an offer, a quotation, or a contract. Joining a waitlist reserves your place in a conversation with us, not a purchase and not a right to a product.

Nothing published on this website is financial, investment, tax, legal, or accounting advice, and nothing here is a recommendation to buy, sell, or hold anything. Trading carries risk, and any decision you make remains yours to make and to carry.

No Fitly product is a bank, a deposit-taking institution, or 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 in the Fitly budgeting application, 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.

Where a product helps you trade, it does not manage your money, hold your funds, or decide for you. It provides tools; you make the trades and carry the outcome.

You may use a Fitly product 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.

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.

This section applies to the Fitly budgeting application. The Fitly application 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 the application; 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.

Subject to these Terms, the Fitly application 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.

Fitly products 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 AI features; and you remain responsible for your own financial decisions.

PositionTools is built and is not yet released. Traders Companion is in development, and the LinkedIn tool is in early stages. What we publish about these products describes the work as it stands, not a finished commitment. Their features, names, status, and availability can change.

Where we grant early access to a product, that access may be free, may be a trial, or may be offered under separate terms presented to you at that time. Early access does not create any right to buy, keep, or continue using a product.

Where a Fitly product relates to trading, you acknowledge that markets are unpredictable and that trading can lose money as quickly as it can make it. Fitly does not guarantee any return, does not manage your capital, and does not act as your investment adviser. Any automated or manual tool we provide supports your decisions; it does not carry them for you. You are responsible for your own trading, for the accounts you hold, and for any tax and regulatory duties that apply to you.

You agree not to: use a Fitly product 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.

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.

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and share personal data across this website and our products. By using a Service, you acknowledge that you have read the Privacy Policy.

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.

If you provide feedback, suggestions, or ideas about a Fitly product, 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.

We aim to keep our products 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.

The Services are 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; Fitly does not guarantee that any trading tool will be profitable or that market data will be timely or accurate; and Fitly does not guarantee any financial outcome, savings result, debt reduction result, or budgeting success.

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.

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.

We may suspend or terminate your access to a product if: you breach these Terms; we suspect fraud, abuse, or unlawful activity; we are 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.

Our products may integrate with or contain links to third-party services, including bank-linking providers, payment processors, analytics services, cloud infrastructure providers, communication services, market data providers, 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.

We may update these Terms from time to time. If we make material changes, we may notify you through the website, an application, email, or other reasonable means. Your continued use of a Service after updated Terms take effect means you accept the revised Terms.

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.

If you have questions about these Terms, please contact Fitly Technologies Limited (RC 9592303), 0, Ehigiegba Street, Ekosodin, Benin City, Edo State, Nigeria.

• Support: hello@fitly.com.ng
• Privacy and legal contact: dpo@fitly.com.ng