Terms of Service

By using or downloading the NatalBond App or accessing or using the website, you indicate acceptance of the following Terms and Conditions (“Terms of Service”).
This software is operated by Centenum Technologies Limited (“Centenum”), a digital technology company. NatalBond is a mobile platform developed and managed by Centenum which provides consumers with personal health assistance services, targetted at improving the health and well-being of women of productive age.
Centenum logo, branding, and other works concerning which intellectual property rights may subsist shall remain the intellectual property of Centenum and the rights in those works shall remain vested in Centenum.

1. ACCEPTANCE OF TERMS AND CONDITIONS

1. Introduction:

   These terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms”), govern your access and use of our mobile application (the NatalBond App”), including any content, component, functionality and/or service offered on or through NatalBond App (collectively and together, NatalBond App means the “Platform”) owned or controlled by Centenum Technologies Limited (“Company” or “Centenum” or “we” or “our” or “us”), as a registered user of the Platform (a “user” or “User”). All reference to “you” or “your”, as applicable, mean a user and/or the Person who accesses, uses and/or participates in Platform in any manner, and such Person's heirs, assigns, and successors. If you use the Platform on behalf of an entity, “you” or “your,” as applicable, means that entity and its affiliates and their respective directors, officers, employees, and agents.

2. Acceptance of these Terms:

   By using or downloading the natalbond app or accessing or using the website you indicate your acceptance of the following terms on your own behalf and on behalf of any organization you represent. if you do not agree to these terms (or any updates to or modified versions thereof), you should discontinue the use of the platform immediately.

3. Your Duty to Regularly Review these Terms:

   Your use of the Platform is governed by the version of the Terms in effect on the date You access Platform. The company may modify these Terms at any time and without notice. You should review the most current version of these Terms by regularly visiting the Platform and clicking on the Terms and Conditions hyperlink.

4. Third-Party Provider Services:

   The Platform may offer you the option to enter into relationships and agreements with Third- Party Providers for access to additional services, As a condition to having access to those Third-Party Provider services, you may be required to enter into various agreements with a Third-Party Provider such as, for example, any User, service or account agreements. Provided that NatalBond or Centenum does not make any representation as to the expertise or qualification of any Third-Party Provider and shall not have any liability that may arise pursuant to your engagement, arrangement or agreement with the Third-Party Provider

2. GENERAL

The Platform may include or make available certain content (the “Content”), which includes, without limitation:

1. Health education, consultation, and personal health management tools;
2. General news and information, commentary, educational material and information and data concerning health;
3. Company names, logos, product and service names, trade names, trademarks and services marks (collectively, “Marks”) owned by Company, and Marks owned by Third- Party Providers (defined below); and
4. Any other information, content, services, or software. Certain Content is supplied, distributed, provided or delivered by a Third-Party Provider (the “Third-Party Content”), such as information, services or software made available by, through or on the Platform.

3. LEGAL AGE:

You must be at least 18 years of age to become a user of the Platform. You represent and warrant that you are 18 years of age or older and are fully able and competent to enter into, and abide by the contract created by these Terms of Use.

4. ACCOUNTS:

To gain access to the services we offer on NatalBond, each client is required to sign-up on the Platform through the NatalBond App, which would require the provision of certain personally identifiable information, including but not limited to your name, your phone number, your address, your email address, Bank Verification Number (“Client Information”). You will select your own password at the time of registration, and you agree that:

1. You are eighteen years of age and otherwise comply with applicable law;
2. You will not use a username (or e-mail address) that is already being used by someone else, or that infringes the intellectual property or other right of any person or entity, or is offensive;
3. You will provide true, accurate, current, and complete registration information about yourself in connection with the registration process;
4. You are solely responsible for all activities that occur under your Account, password, and username;
5. You are solely responsible for maintaining the confidentiality of your password and for restricting access to your mobile device so that others may not access any password- protected portion of Platform using your name, username, or password;
6. You will immediately notify us of any unauthorized use of your Account, password, or username, or any other breach of security; and
7. You will not sell, transfer, or assign your account or any Account rights.

OPTING TO CREATE AN ACCOUNT ON THE PLATFORM SATISFIES THAT YOU HAVE ACCEPTED ALL OUR TERMS AND CONDITIONS.

If any information that you provide, or if we have reasonable grounds to suspect that any information that you provide, is false, inaccurate, outdated, incomplete, or violates these Terms or any applicable law, then we may suspend or terminate your account without recourse to you. You agree that you will make available upon request, up to date identification and any other additional information to keep it true, accurate and current. We also reserve the more general and broad right to terminate your account or suspend or otherwise deny you access to it or its benefits - all in our sole discretion, for any reason, with or without notice to you and without liability

5. MEANS OF ACCESS:

A website is generally intended to be viewed by a conventional web browser. The Platform can also be viewed on an Android or iOS operating system device. Although you may use other means to access the Platform, be aware that the Platform may not appear accurately through other access methods. You also agree that you use the devices or access the Platform only at your own risk.

6. ACCOUNT SECURITY:

You are responsible for ensuring the safety of your Account. You must install the latest version of any mobile applications that we publish from time to time. These updates often include improved security or fixes for recently discovered vulnerabilities. We will take reasonable steps consistent with our legal duties to protect your Company Account and secure it, however, we are not liable for security breaches that may occur where we have complied with those obligations.

7. SITE AVAILABILITY:

While we have put resources into building and testing our application, glitches, slowdowns, and crashes may occur. We will also need to restrict access to some parts of our website/application to perform routine maintenance. We will try to schedule our maintenance during the middle of the night. While it is our intention that our website/Platform will be available seven days a week except when maintenance is scheduled (usually for weekends or any other day in the case of an emergency), you understand that we do not guarantee that you will always be able to access the Platform

8. PRIVACY POLICY:

1. Information Collection:
   We may collect personal information, including but not limited to, your name, email address, contact information, and demographic data when you interact with our services. This information is collected through voluntary submissions or automated means such as cookies.
2. Use of Information:
   We use the collected information to provide and improve our services, communicate with you, personalize your experience, and comply with legal obligations. We may also use aggregated and anonymized data for analytical and research purposes.
3. Filtering Objectionable Content:
   We employ a method for filtering objectionable content to maintain a safe and respectful environment for all users. However, please note that no filtering system is foolproof, and users are encouraged to report any objectionable content they encounter.
4. Flagging Objectionable Content:
   We provide a mechanism for users to flag objectionable content they encounter while using our services. Upon receiving a report, we will promptly investigate the content and take appropriate action as outlined below.
5. Blocking Abusive Users:
   We offer a mechanism for users to block abusive users to prevent further interactions. This empowers users to control their online experience and protect themselves from harassment or abuse.
6. Action on Objectionable Content Reports:
   We are committed to addressing objectionable content reports promptly and effectively. Upon receiving a report, we will investigate the content within 24 hours. If the reported content is found to violate our community guidelines or terms of service, we will take immediate action, which may include removing the offending content and ejecting the user responsible for providing it.
7. Data Security:
   We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, please be aware that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
8. Updates to Privacy Clause:
   We reserve the right to update or modify this privacy clause at any time without prior notice. Any changes will be effective immediately upon posting the updated privacy clause on our website. Your continued use of our services after the posting of changes constitutes your acceptance of such changes

9. PRODUCT AVAILABILITY:

We provide health products on the Platform which are obtainable to individuals who create an account and provide the necessary registration requirements. After this, an array of products are available to the client. We are constantly improving our services on the Platform and, therefore, reserve the right to modify or change our Platform or any of our offerings, temporarily or permanently with or without prior notice to you.

10. NO RECOMMENDATIONS OR INVESTMENT ADVICE:

You are solely responsible for evaluating the merits and risks associated with the use of any Content provided through the Service before making any decisions based on such Content. You agree not to hold the Company or any Third-Party Provider liable for any possible claim for damages arising from any decision you make based on the Content or other information made available to you through the Service or any Third-Party Provider. Past performance data should not be construed as indicative of future results.

11. EXECUTION OF ORDERS:

All transactions on NatalBond are executed through Centenum P or its financial partners. The decision to accept to reject a User's order is at the sole discretion of Centenum and any of its financial partners. Transactions on the Platform are guided by laws and regulations of the Nigerian financial market and its regulators.

12. ORDER CANCELLATION/ MODIFICATION:

User acknowledges that it may not be possible to cancel/ modify an order and that the User is responsible for executions notwithstanding a cancel/modify request.

13. CONFIRMATION OF INVESTMENTS:

All Users' orders accepted on NatalBond are backed up by a confirmation message, while iorders rejected receive a rejection message. However, confirmation or rejection messages may be delayed due to computer system issues. Therefore, the client is to monitor each order until NatalBond confirms the status of each transaction. Users' agrees to notify NatalBond immediately by telephone or electronically through the NatalBond website: https://natalbond.com/

14. CLIENT PROTECTION CLAUSE:

Centenum undertakes, to the extent required under law,to protect the privacy of all information provided by users of NatalBond except in instances of disclosure to law enforcement agencies and or statutory agencies to assist in the prevention or detection of fraud or other criminal activities.

15. CONTACT:

If you require help or have questions or complaints about NatalBond, please call our User care centre on +2347060529466 or email hello@centenum.com .

16. WARRANTIES, DISCLAIMERS AND LIMITATIONS OF LIABILITY:

YOUR WARRANTIES:

You represent and warrant to Centenum Technologies Limited that:

1. All information, including, without limitation, Client Information, that you provide to us is accurate and truthful,
2. You have the authority to share Client Information with us and to grant us the right to use Client Information as provided in these Terms of Use and Privacy Policy,
3. Your acceptance and use of the Site and/or Application pursuant to these Terms of Service does not violate any applicable law or other contract or obligation to which you are a party or are otherwise bound, and
4. The Materials do not infringe on the intellectual property rights of any person, including any copyrights, trademarks, trade secrets, right of privacy, or right of publicity.

MISCELLANEOUS:

The laws of the Federal Republic of Nigeria govern this Terms.

User agrees to the provision of these Terms in English and represents that the User understands its terms and conditions. This Term contains the entire agreement between the parties, who have made no other representations or warranties. If any provision of this Terms is unenforceable, it shall not invalidate other provisions. Failure of NatalBond to enforce any term or condition of this Terms is not a waiver of the term/condition.
User consents to record all its telephone conversations with NatalBond. User acknowledges NatalBond's Privacy Policy and consents to collection/use of User information as described therein.
User authorizes NatalBond, directly or through third parties, to make any inquiries that NatalBond considers necessary to conduct business with User. This may include ordering a credit report and performing other credit checks in case of any default or breach of the obligations herein by User or verifying the information User provides against third-party databases.