Lifesquare Terms of Use

1. Introduction and Acceptance

These Terms of Use ("Terms") govern your access to and use of the website (getlifesquare.com), mobile application, and related services (collectively, the "Services") provided by Lifesquare Partnering Insurtech Limited ("Lifesquare", "we", "our", "us"), a company incorporated in Nigeria with its registered office in Lagos, Nigeria.

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.

2. Eligibility

Our Services are intended for use by individuals who are at least 18 years old and who have the legal capacity to enter into a binding contract under Nigerian law. Where a Service or product involves a minor (for example, as a dependant under a family insurance policy), the account and any related consent must be given and managed by the minor's parent or legal guardian.

3. Description of Services

Lifesquare operates a digital insurtech platform that enables users to access, compare, purchase, and manage insurance products offered by our insurance partners, and to submit and track claims. Lifesquare acts as an intermediary/technology platform; the underlying insurance policies are underwritten and issued by our licensed insurance partners, subject to those partners' own policy terms, conditions, and exclusions.

We do not guarantee that any particular insurance product will be available, suitable for your needs, or approved. Acceptance of any application, and the terms of any policy issued, remain at the sole discretion of the relevant underwriting insurance partner, subject to applicable Nigerian insurance regulation, including as regulated by the National Insurance Commission.

4. Account Registration and Security

To use certain features of our Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information during registration and KYC verification
• Keep your login credentials confidential and not share them with any third party
• Notify us promptly if you suspect unauthorised access to or use of your account
• Be responsible for all activity that occurs under your account

We reserve the right to suspend or terminate your account where we reasonably suspect fraudulent, unauthorised, or unlawful activity.

5. User Obligations and Acceptable Use

When using our Services, you agree not to:

• Provide false, misleading, or fraudulent information, including in connection with an application, claim, or KYC process
• Use the Services for any unlawful purpose, or in breach of any applicable law or regulation
• Attempt to gain unauthorised access to our systems, other users' accounts, or any data held by us
• Interfere with, disrupt, or place undue burden on our Services or the networks connected to them
• Reverse-engineer, decompile, or attempt to extract the source code of any part of our Services, except as permitted by applicable law
• Use automated means (bots, scrapers, or similar) to access or interact with our Services without our prior written consent

6. Fees and Payments

Certain Services, including insurance premiums, may require payment. You agree to pay all applicable fees and premiums through the payment methods supported on our platform. All payments are processed by third-party payment processors, and you may be subject to their separate terms. Premiums, once paid, are subject to the refund, cancellation, and cooling-off terms of the applicable insurance policy, as set by the relevant underwriting partner.

7. Intellectual Property

All content, trademarks, logos, software, and other materials available through our Services are owned by or licensed to Lifesquare and are protected under applicable Nigerian intellectual property law, including the Copyright Act and the Trademarks Act. You are granted a limited, non-exclusive, non-transferable licence to access and use our Services for their intended personal or business purpose. You may not copy, reproduce, distribute, or create derivative works from our content without our prior written consent.

8. Third-Party Services and Links

Our Services may contain links to, or integrations with, third-party websites, applications, or services, including those of insurance partners and payment processors. We do not control and are not responsible for the content, terms, or practices of any third-party service. Your use of any third-party service is at your own risk and subject to that third party's own terms and policies.

9. Disclaimers

Our Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by Nigerian law, we make no warranty, express or implied, that our Services will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We do not warrant or guarantee the accuracy, completeness, or suitability of any insurance product, quote, or information made available through our Services, as these are ultimately determined by the underwriting insurance partner.

Nothing in these Terms excludes or limits any liability, warranty, or right that cannot lawfully be excluded or limited under Nigerian law, including under the Federal Competition and Consumer Protection Act 2018, the Nigeria Data Protection Act 2023, or applicable insurance regulation.

10. Limitation of Liability

To the fullest extent permitted by applicable law, Lifesquare, its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive loss or damage arising from or in connection with your use of, or inability to use, our Services, including loss of profit, revenue, data, or goodwill, whether arising in contract, tort (including negligence), or otherwise. This disclaimer does not exclude liability that cannot lawfully be excluded under Nigerian law, including liability for fraud, wilful misconduct, or death or personal injury caused by our negligence.

11. Indemnification

You agree to indemnify and hold Lifesquare, its directors, employees, and agents harmless from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising from your breach of these Terms, your misuse of the Services, or your violation of any applicable law or third-party right.

12. Termination

We may suspend or terminate your access to the Services, in whole or in part, at any time, with or without notice, where we reasonably believe you have breached these Terms, engaged in fraudulent or unlawful conduct, or where required by law or a regulator. You may stop using our Services and close your account at any time by contacting us. Termination does not affect any rights or obligations that accrued before termination, including under any active insurance policy.

13. Dispute Resolution

If a dispute arises out of or in connection with these Terms or your use of the Services, the parties will first attempt to resolve it through good-faith negotiation. If the dispute is not resolved within 30 days of written notice, it shall be referred to and finally resolved by arbitration in Lagos, Nigeria, in accordance with the Arbitration and Mediation Act 2023, before a sole arbitrator appointed by agreement of the parties or, failing agreement, in accordance with the Act.

Where a dispute is not amenable to arbitration under applicable law, or where interim or injunctive relief is required, either party may apply to the courts of Lagos State, Nigeria, which shall have jurisdiction over such matters.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

15. Data Protection

Our collection, use, and sharing of your personal data is governed by our Privacy Policy, which forms part of these Terms by reference and is available on our website. We process personal data in accordance with the Nigeria Data Protection Act 2023.

16. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services, business practices, or applicable law. Where changes are material, we will take reasonable steps to notify you through our website, app, or other appropriate means. Your continued use of our Services after such changes take effect constitutes acceptance of the updated Terms.

17. Miscellaneous

• Entire agreement - these Terms, together with our Privacy Policy and any policy documents issued by our insurance partners, constitute the entire agreement between you and Lifesquare in respect of your use of the Services
• Severability - if any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect
• No waiver - our failure to enforce any right or provision of these Terms shall not be considered a waiver of that right or provision
• Assignment - you may not assign or transfer your rights or obligations under these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets
• Force majeure - we shall not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control

18. Contact Us

If you have any question or concern relating to these Terms, please contact:

Lifesquare Partnering Insurtech Limited Lagos, Nigeria Email: [email protected]