Terms of Service

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1. Definitions and Interpretation

1.1 Definitions

In these Terms of Service, unless the context otherwise requires:

• "Account" means your registered user account on the Platform.
• "Agreement" means these Terms of Service, together with our Privacy Policy and any other policies referenced herein.
• "Company," "BitaSei," "we," "our," or "us" means BitaSei Technologies Limited, a company incorporated under the laws of the Federal Republic of Nigeria with RC Number 9278400, and registered office at 8B, Obadare Street, Amuwo Odofin, Lagos State, Nigeria.
• "Content" means all text, graphics, images, videos, audio, software, data, and other materials available on or through the Platform.
• "Intellectual Property" means all patents, trademarks, service marks, copyrights, trade secrets, algorithms, source code, databases, designs, and other proprietary rights owned by or licensed to the Company.
• "On-Site Training" means in-person training programs, workshops, bootcamps, or seminars conducted at physical locations arranged by the Company.
• "Platform" means our website (www.bitasei.com), web application (app.bitasei.com), mobile applications, and all related software, tools, and services.
• "Services" means all educational content, courses, paper trading simulations, AI-powered features, trading signals, On-Site Training, and any other services provided through the Platform.
• "Subscription" means your paid access to premium features of the Platform under a selected plan.
• "User," "you," or "your" means any individual who accesses or uses the Platform.

1.2 Interpretation

• Words importing the singular include the plural and vice versa.
• References to statutes include amendments and successor legislation.
• Headings are for convenience only and do not affect interpretation.
• The words "include" and "including" are not words of limitation.

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2. Acceptance of Terms

2.1 Binding Agreement

By creating an Account, accessing, or using any part of our Services, you:

1. Confirm that you are at least 18 years of age;
2. Agree to be bound by these Terms of Service and our Privacy Policy;
3. Represent that you have the legal capacity to enter into this Agreement;
4. Acknowledge that you have read and understood the disclaimers and limitations of liability contained herein.

2.2 Modifications to Terms

The Company reserves the right to modify, amend, or update these Terms at any time in its sole discretion. Material changes will be communicated via email to registered users or through prominent notice on the Platform. Your continued use of the Services following any modification constitutes your acceptance of the revised Terms.

If you do not agree to any modification, your sole remedy is to discontinue use of the Services and close your Account.

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3. Account Registration and Security

3.1 Eligibility

To create an Account and use our Services, you must:

1. Be at least 18 years of age;
2. Have the legal capacity to enter into binding contracts under applicable law;
3. Not be prohibited from using the Services under any applicable law or regulation;
4. Provide accurate, current, and complete information during registration.

3.2 Account Responsibilities

You are solely responsible for:

1. Maintaining the confidentiality and security of your login credentials;
2. All activities that occur under your Account, whether authorized by you or not;
3. Ensuring that your Account information remains accurate and up-to-date;
4. Immediately notifying the Company of any unauthorized access to or use of your Account;
5. Logging out of your Account at the end of each session, especially on shared devices.

3.3 Prohibited Account Activities

You shall not:

1. Create more than one Account without the Company's prior written consent;
2. Share, transfer, sell, or assign your Account or any Account credentials to any third party;
3. Use another person's Account without their express authorization;
4. Provide false, misleading, or fraudulent information during registration or at any time thereafter;
5. Use the Account for any unlawful purpose or in violation of these Terms.

3.4 Account Verification

The Company reserves the right to require identity verification (KYC) at any time. Failure to complete verification when requested may result in suspension or termination of your Account and forfeiture of any unused Subscription balance.

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4. Description of Services

4.1 Educational Content

BitaSei provides trading education through structured courses, video lessons, written materials, quizzes, assessments, and certifications. Our educational content covers Forex, cryptocurrency, stock market trading, technical analysis, fundamental analysis, risk management, and trading psychology.

4.2 Paper Trading Simulation

Our paper trading simulator allows you to practice trading strategies using virtual funds with real-time or delayed market data. You acknowledge that:

1. Paper trading results are hypothetical and do not guarantee similar performance in live trading;
2. Virtual funds have no monetary value and cannot be withdrawn, transferred, or exchanged for real currency;
3. Simulated trading does not account for all factors affecting live market trading, including slippage, liquidity, and emotional factors.

4.3 AI-Powered Features (Sei AI)

Our AI-powered features provide automated analysis of your trading behavior, patterns, and market conditions. These features:

1. Are tools for educational insight and self-improvement, not financial or investment advice;
2. Analyze your trading patterns, timing, emotional states, and performance metrics;
3. Generate personalized recommendations based on historical data and algorithmic analysis;
4. May not always be accurate and should not be relied upon as the sole basis for any trading or investment decision;
5. Are subject to limitations inherent in AI and machine learning technologies.

4.4 Trading Signals

Trading signals provided through the Platform are for informational and educational purposes only. You acknowledge that:

1. Signals are not personalized investment advice or recommendations;
2. Past signal performance does not guarantee or indicate future results;
3. The Company does not guarantee the accuracy, timeliness, or profitability of any signal;
4. You are solely responsible for any trading decisions you make based on signals.

4.5 On-Site Training

The Company may offer in-person training programs, workshops, bootcamps, and seminars at designated locations. On-Site Training is subject to:

1. Availability and scheduling at the Company's discretion;
2. Separate registration and payment requirements;
3. Specific terms and conditions communicated at the time of enrollment;
4. The refund policies set forth in Section 6.5 of these Terms.

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5. Subscriptions and Payment Terms

5.1 Subscription Plans

The Company offers various subscription plans, including:

1. Free Plan: Limited access to selected courses and features at no charge;
2. Monthly Plan: Recurring monthly subscription with full access to premium features;
3. Quarterly Plan: Recurring quarterly subscription with full access to premium features;
4. Annual Plan: Recurring yearly subscription with full access to premium features;
5. Lifetime Plan: One-time payment for perpetual access to premium features, subject to the terms herein;
6. On-Site Training Packages: Separate payment for in-person training programs.

The Company reserves the right to modify, discontinue, or introduce new subscription plans at any time.

5.2 Pricing and Currency

1. All prices are displayed in the currency applicable to your selected payment method (Nigerian Naira or US Dollars);
2. Prices are exclusive of applicable taxes, which will be added where required by law;
3. The Company reserves the right to change pricing at any time with reasonable notice;
4. Price changes will not affect active subscriptions until the next renewal period.

5.3 Payment Processing

1. Payments are processed securely through our authorized payment processors: Paystack (for Naira payments) and Stripe (for USD payments);
2. By providing payment information, you authorize the Company and its payment processors to charge the applicable fees;
3. You represent that you are authorized to use the payment method provided;
4. The Company does not store full credit card numbers on its servers;
5. All payment disputes must be directed to the Company within 7 days of the transaction.

5.4 Recurring Billing

1. Paid subscriptions (excluding Lifetime Plans) are billed in advance on a recurring basis;
2. Your subscription will automatically renew at the end of each billing period unless cancelled;
3. The Company will attempt to charge your payment method on file at renewal;
4. If payment fails, the Company may suspend access to premium features until payment is received;
5. The Company reserves the right to terminate accounts with repeated payment failures.

5.5 Subscription Cancellation

1. You may cancel your subscription at any time through your Account settings or by contacting support@bitasei.com;
2. Cancellation takes effect at the end of your current billing period;
3. You will retain access to paid features until the end of your paid period;
4. No partial refunds are provided for the unused portion of a billing period upon cancellation;
5. Cancellation does not entitle you to a refund of any fees already paid.

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6. Refund Policy

6.1 General Principles

The Company's refund policy is designed to be fair while protecting against abuse. By purchasing any Subscription or Service, you acknowledge and agree to the following refund terms.

6.2 Monthly, Quarterly, and Annual Subscriptions

1. Within 48 Hours of Purchase: If you request a refund within 48 hours of your initial subscription purchase AND have not accessed more than 10% of premium content, you may be eligible for a refund of 75% of the amount paid, less any applicable transaction fees.
2. After 48 Hours: No refunds will be issued for Monthly, Quarterly, or Annual subscriptions after 48 hours from the date of purchase, regardless of usage.
3. Renewal Charges: No refunds will be issued for automatic renewal charges. It is your responsibility to cancel before the renewal date if you do not wish to continue.

6.3 Lifetime Plan

1. Within 14 Days of Purchase (Trial Period): If you request a refund within 14 days of purchasing a Lifetime Plan AND have not accessed more than 15% of premium content, you may be eligible for a refund of 70% of the amount paid, less any applicable transaction fees.
2. After 14 Days: NO REFUNDS will be issued for Lifetime Plans after 14 days from the date of purchase, regardless of circumstances. By purchasing a Lifetime Plan, you acknowledge that this is a final, non-refundable purchase after the 14-day trial period.
3. Lifetime Access Conditions: Lifetime access is subject to the continued operation of the Platform. The Company does not guarantee perpetual availability of any specific course, feature, or content.

6.4 Free Trial Conversions

1. If your subscription began with a free trial that converted to a paid subscription, refund eligibility is calculated from the date of the first paid charge, not the trial start date;
2. You are responsible for cancelling before the trial ends to avoid charges.

6.5 On-Site Training Programs

1. More than 14 Days Before Training Date: Full refund less a 10% administrative fee.
2. 7 to 14 Days Before Training Date: Refund of 75% of the amount paid (25% deduction).
3. Within 7 Days of Training Date: NO REFUNDS will be issued for cancellations made within 7 days of the scheduled training date.
4. No-Show Policy: Failure to attend a scheduled On-Site Training without prior notice constitutes forfeiture of the entire payment. No refunds, credits, or rescheduling will be provided.
5. Company Cancellation: If the Company cancels an On-Site Training program, you will receive a full refund or the option to transfer to a future training date at no additional cost.
6. Rescheduling: Requests to reschedule must be made at least 7 days before the training date. Rescheduling within 7 days is subject to availability and may incur a 15% rescheduling fee.

6.6 Refund Exceptions

Refunds will NOT be issued under any circumstances for:

1. Accounts terminated for violation of these Terms of Service;
2. Dissatisfaction with content quality or subjective preferences;
3. Failure to use the Services during the subscription period;
4. Technical issues on your end (device, internet connection, etc.);
5. Changes in your personal circumstances, availability, or interest;
6. Duplicate purchases resulting from user error (unless reported within 24 hours);
7. Promotional or discounted purchases, unless otherwise specified in the promotion terms.

6.7 Refund Eligibility for Technical Errors

The Company will provide refunds for:

1. Duplicate charges resulting from verified technical errors on our payment systems;
2. Extended platform unavailability (more than 72 consecutive hours) during your billing period, calculated pro-rata;
3. Charges made after you have properly cancelled your subscription.

Requests for technical error refunds must be submitted within 7 days of the erroneous charge.

6.8 Refund Process

1. All refund requests must be submitted in writing to billing@bitasei.com with your Account email, transaction details, and reason for the request;
2. The Company will review requests within 7 business days;
3. Approved refunds will be processed to the original payment method within 14 business days;
4. The Company's decision on refund eligibility is final and binding;
5. Transaction fees charged by payment processors are non-refundable and will be deducted from any approved refund amount.

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7. Intellectual Property Rights

7.1 Company Ownership

All Content, materials, software, technology, and Intellectual Property available on or through the Platform are the exclusive property of BitaSei Technologies Limited or its licensors and are protected by Nigerian and international copyright, trademark, patent, and other intellectual property laws.

This includes, without limitation:

1. Course materials, videos, text, graphics, and images;
2. Software, source code, algorithms, and databases;
3. AI models, trading analysis tools, and pattern recognition systems;
4. Trademarks, logos, and brand elements;
5. User interface designs and Platform architecture.

7.2 Limited License

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

1. Access and use the Platform for your personal, non-commercial educational purposes;
2. View and interact with Content made available to you based on your subscription level;
3. Download materials expressly designated as downloadable for personal use only.

This license terminates automatically upon expiration or termination of your Account or subscription.

7.3 Restrictions

You expressly agree that you shall NOT:

1. Copy, reproduce, distribute, publish, display, or transmit any Content without prior written consent;
2. Record, download, screen-capture, or otherwise copy video lessons or live sessions;
3. Share, resell, sublicense, or provide access to your Account or Content to any third party;
4. Use any Content to create derivative works or competing products or services;
5. Remove, alter, or obscure any copyright, trademark, or proprietary notices;
6. Reverse-engineer, decompile, disassemble, or attempt to extract source code from our software;
7. Use automated tools, bots, scrapers, or similar technologies to access or collect Content;
8. Frame, mirror, or embed any part of the Platform on another website or application;
9. Use Content for any commercial purpose, including training, resale, or redistribution.

7.4 Enforcement

The Company actively monitors for unauthorized use of its Intellectual Property. Violations may result in:

1. Immediate termination of your Account without refund;
2. Civil action for damages, injunctive relief, and legal fees;
3. Criminal prosecution where applicable under Nigerian law.

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8. User Conduct and Prohibited Activities

8.1 General Conduct

You agree to use the Platform in a lawful, ethical, and respectful manner. You shall not engage in any activity that:

1. Violates any applicable local, national, or international law or regulation;
2. Infringes upon the rights of any third party, including intellectual property rights;
3. Is harmful, fraudulent, deceptive, threatening, abusive, or harassing;
4. Interferes with or disrupts the Platform or servers connected to the Platform.

8.2 Prohibited Activities

Without limiting the generality of the foregoing, you specifically agree NOT to:

1. Impersonate any person or entity or falsely represent your affiliation;
2. Transmit viruses, malware, or any code designed to harm or compromise systems;
3. Attempt to gain unauthorized access to any Account, system, or network;
4. Use the Platform for money laundering, terrorist financing, or other illegal financial activities;
5. Engage in market manipulation, fraud, or other prohibited trading activities;
6. Harass, bully, stalk, or intimidate other users;
7. Spam, send unsolicited communications, or post unauthorized advertising;
8. Collect or harvest user information without consent;
9. Circumvent, disable, or interfere with security features of the Platform;
10. Use the Platform in any manner that could damage, disable, or impair its functionality.

8.3 Consequences of Violations

Violations of this Section may result in:

1. Warning or temporary suspension of your Account;
2. Permanent termination of your Account without refund;
3. Reporting to relevant law enforcement authorities;
4. Civil or criminal legal action as appropriate.

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9. Disclaimers

9.1 No Financial Advice

Nothing on our Platform constitutes:

1. Personalized financial, investment, or trading advice;
2. A recommendation to buy, sell, or hold any financial instrument;
3. An offer or solicitation to engage in any transaction;
4. Professional advice from a licensed financial advisor.

Trading in financial markets involves substantial risk of loss. You should consult a qualified, licensed financial advisor before making any trading or investment decisions. The Company is not registered as a broker, dealer, investment advisor, or financial planner with any regulatory authority.

9.2 No Guarantee of Results

You acknowledge and agree that:

1. Educational content and AI insights do not guarantee profitable trading;
2. Past performance, whether real or simulated, is not indicative of future results;
3. Trading signals and pattern recognition are not guarantees of market movement;
4. You are solely responsible for your own trading and investment decisions;
5. Losses are possible, and you may lose some or all of your invested capital.

9.3 Platform Availability

The Platform is provided on an "AS IS" and "AS AVAILABLE" basis. The Company does not warrant that:

1. The Platform will be uninterrupted, timely, secure, or error-free;
2. Any defects will be corrected;
3. The Platform is free of viruses or harmful components;
4. The results obtained from using the Platform will be accurate or reliable.

9.4 Third-Party Content and Links

The Platform may contain links to third-party websites or content. The Company:

1. Does not endorse or assume responsibility for third-party content;
2. Is not liable for any harm arising from your interaction with third parties;
3. Encourages you to review the terms and privacy policies of any third-party sites.

9.5 Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO:

1. IMPLIED WARRANTIES OF MERCHANTABILITY;
2. FITNESS FOR A PARTICULAR PURPOSE;
3. NON-INFRINGEMENT;
4. ACCURACY OR COMPLETENESS OF CONTENT;
5. SECURITY OR UNINTERRUPTED ACCESS.

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10. Limitation of Liability

10.1 Exclusion of Certain Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BITASEI TECHNOLOGIES LIMITED, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

1. Any indirect, incidental, special, consequential, exemplary, or punitive damages;
2. Loss of profits, revenue, business, goodwill, or anticipated savings;
3. Loss of data or corruption of data;
4. Trading losses, investment losses, or financial losses of any kind;
5. Any damages arising from your reliance on Content, AI insights, or trading signals;
6. Any damages resulting from unauthorized access to or alteration of your Account;
7. Any damages arising from third-party conduct, content, or services.

This limitation applies regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if the Company has been advised of the possibility of such damages.

10.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF:

1. The total amount you paid to the Company in the twelve (12) months immediately preceding the event giving rise to the claim; or
2. Fifty Thousand Nigerian Naira (₦50,000).

10.3 Essential Basis of the Agreement

You acknowledge that the limitations of liability in this Section are an essential element of the Agreement between you and the Company, and that the Company would not provide the Services without such limitations.

10.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, the Company's liability shall be limited to the maximum extent permitted by law.

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11. Indemnification

11.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless BitaSei Technologies Limited, its subsidiaries, affiliates, directors, officers, employees, agents, contractors, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees and costs) arising from or related to:

1. Your use or misuse of the Platform or Services;
2. Your violation of these Terms of Service;
3. Your violation of any applicable law or regulation;
4. Your infringement of any third-party rights, including intellectual property rights;
5. Any content you submit, post, or transmit through the Platform;
6. Your trading or investment decisions and any resulting losses;
7. Any dispute between you and a third party relating to the Services.

11.2 Indemnification Procedure

The Company will promptly notify you of any claim subject to indemnification. You shall not settle any claim without the Company's prior written consent. The Company reserves the right to assume exclusive defense and control of any matter subject to indemnification by you.

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12. Account Suspension and Termination

12.1 Termination by You

You may terminate your Account at any time by:

1. Using the Account deletion feature in your Account settings; or
2. Contacting support@bitasei.com with a termination request.

Upon voluntary termination, you forfeit any unused subscription balance, and no refunds will be issued except as expressly provided in Section 6.

12.2 Termination by Company

The Company reserves the right to suspend or terminate your Account immediately, without prior notice or liability, for any reason, including but not limited to:

1. Breach or suspected breach of these Terms;
2. Fraudulent, illegal, or harmful activity;
3. Non-payment or repeated payment failures;
4. Providing false or misleading information;
5. Request from law enforcement or government authority;
6. Extended periods of inactivity (more than 24 months);
7. Discontinuation or modification of the Services.

12.3 Effects of Termination

Upon termination:

1. Your right to access the Platform and Services ceases immediately;
2. All licenses granted to you under these Terms terminate;
3. You remain liable for any obligations incurred prior to termination;
4. The Company may delete your Account data in accordance with our Privacy Policy;
5. Sections of these Terms that by their nature should survive termination shall survive (including Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, and Governing Law).

12.4 No Refund Upon Termination for Cause

If your Account is terminated by the Company for violation of these Terms, you shall not be entitled to any refund of fees paid, and any outstanding fees shall become immediately due and payable.

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13. Dispute Resolution

13.1 Informal Resolution

Before initiating any formal dispute resolution proceeding, you agree to first contact the Company at legal@bitasei.com to attempt to resolve the dispute informally. The parties shall negotiate in good faith for a period of at least 30 days before pursuing other remedies.

13.2 Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

13.3 Jurisdiction

Any disputes arising from or relating to these Terms or your use of the Services shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria. You hereby consent to the personal jurisdiction of such courts and waive any objection to venue therein.

13.4 Arbitration Option

At the Company's sole discretion, disputes may be referred to binding arbitration under the Arbitration and Mediation Act 2023 of Nigeria. Arbitration shall be conducted in Lagos, Nigeria, in the English language.

13.5 Class Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

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14. General Provisions

14.1 Entire Agreement

These Terms of Service, together with the Privacy Policy and any other policies incorporated by reference, constitute the entire agreement between you and the Company regarding your use of the Services, superseding all prior agreements, understandings, and communications.

14.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall continue in full force and effect.

14.3 Waiver

The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

14.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without the Company's prior written consent. The Company may assign its rights and obligations without restriction.

14.5 Force Majeure

The Company shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, government action, power outages, internet disruptions, or pandemic.

14.6 Notices

Notices to the Company must be sent to legal@bitasei.com or by registered mail to our registered office. Notices to you will be sent to the email address associated with your Account.

14.7 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights, except for the Company's affiliates and indemnified parties as expressly provided herein.

14.8 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.

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15. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Service, please contact us:

BitaSei Technologies Limited

• General Support: support@bitasei.com
• Billing Inquiries: billing@bitasei.com
• Legal Matters: legal@bitasei.com
• Website: www.bitasei.com

Registered Office:
8B, Obadare Street, Amuwo Odofin, Lagos State, Nigeria