Crowwe
Version 2.0 | Effective 6 September 2026
Age.
Crowwe is intended for people aged 18 or older.
Your account.
Keep your credentials secure and tell us promptly about unauthorised access.
Your content.
You retain ownership; you grant only the licence needed to operate and improve Crowwe.
Payments.
Crowwe facilitates payments through regulated third-party payment partners and is not itself a bank or licensed payment service provider.
Inna AI.
AI output can be inaccurate or incomplete and requires appropriate human review.
Platform safety.
We may restrict unlawful or harmful content, normally provide reasons, and offer an appeal route.
Privacy.
Our Privacy Policy explains data processing; these Terms do not obtain blanket consent for all processing.
The summary above helps readability but does not replace the complete Terms.
Use the section links below in Word or a compatible PDF viewer. Headings also appear in the document navigation pane.
Crowwe is provided by IPI Solutions Nigeria Limited, a company organised under the laws of the Federal Republic of Nigeria, with its principal office at Plot 8 Zambezi Crescent, Maitama, Abuja FCT, Nigeria (“IPI”, “Crowwe”, “we”, “us” or “our”). These Terms govern the relationship between IPI and each person or organisation that accesses or uses the Services (“you” or “your”).
These Terms apply to the Crowwe mobile applications, websites, desktop applications and related messaging, calling, social-networking, business, marketplace, payment-facilitation and artificial-intelligence features, together with associated support and updates (collectively, the “Services” or the “Platform”). A feature may be unavailable in some countries, devices, account types or versions.
You accept these Terms when you create an account, click an acceptance control, download or install a Crowwe application, or access or use the Services after having a reasonable opportunity to review them. If you do not agree, do not access or use Crowwe. If you use Crowwe for an organisation, Section 2.2 also applies.
Certain features may have supplemental terms, transaction disclosures, merchant rules, promotional rules, acceptable-use standards or payment-partner terms presented before use. Those feature-specific terms form part of your agreement for that feature. If there is a direct conflict, the more specific terms control for that feature; mandatory law always prevails. An enterprise or separately signed agreement controls to the extent it expressly replaces these Terms.
Nothing in these Terms excludes, restricts or waives a right or remedy that cannot lawfully be excluded, including applicable consumer, privacy, data-protection, electronic-payment and competition rights. Any exclusion, limitation, arbitration requirement or choice-of-law term applies only to the extent permitted in your jurisdiction.
You must be at least 18 years old and legally capable of entering into a binding contract to create or use a Crowwe account. Crowwe is not directed to children. If we reasonably believe that an account belongs to a person under 18, we may restrict or close it and take appropriate steps regarding associated personal data in accordance with the Privacy Policy and applicable law.
If you use Crowwe on behalf of a company, government body, partnership, association or other organisation, you represent that you have authority to bind that organisation. In that case, “you” includes the organisation, and the organisation is responsible for authorised users, business content and activities performed through its account.
You may use Crowwe only where the Services are lawfully offered to you. You may not use the Services if doing so would cause you or us to breach applicable sanctions, export-control, anti-money-laundering, counter-terrorist-financing or other laws.
You agree to provide accurate, current and complete registration information, keep it updated, and use only an identity, contact method and payment instrument you are authorised to use. You may not impersonate another person, misrepresent an affiliation, sell or transfer an account, or create accounts to evade a restriction.
We or an applicable service provider may request identity, age, address, business, beneficial-ownership, tax or payment information when reasonably necessary to operate a feature, comply with law, manage risk or protect users. Refusal or inability to complete required verification may limit access to that feature. Verification reduces risk but is not a warranty that a user or merchant is trustworthy.
You are responsible for taking reasonable steps to safeguard your credentials, authentication codes and devices; using strong, unique credentials; reviewing security alerts; and signing out of shared devices. Do not disclose one-time passwords, PINs or authentication codes to another person. You are responsible for activity that you authorise. You are not responsible for unauthorised activity caused by our breach of these Terms or failure to use reasonable security, subject to applicable law.
Notify us without undue delay if you suspect account compromise, loss of a device, unauthorised payment or other security incident. We may temporarily restrict activity while we investigate and may require reasonable verification before restoring access. Security reports should be sent to security@crowwe.ng; payment issues should also be sent to support@crowwe.ng.
You are responsible for compatible devices, software, data connectivity and any carrier or internet charges. Keep the Crowwe application and your device operating system reasonably current. Using unsupported or modified devices may reduce security or functionality.
Subject to these Terms, we grant you a personal, limited, revocable, non-exclusive, non-transferable and non-sublicensable licence to install and use the Crowwe software on devices you own or control, solely to access the Services for their intended purposes. Business accounts may permit authorised personnel to use the Services for the organisation’s internal operations and legitimate customer interactions.
Unless applicable law expressly permits it despite these restrictions, you may not:
copy, modify, translate, sell, lease, sublicense, distribute or create derivative works from the Crowwe software;
reverse engineer, decompile, disassemble or seek to derive source code, models, algorithms or non-public interfaces;
remove proprietary notices, circumvent technical protection or access a feature by an unauthorised method; or
use Crowwe, its output or its data to build or train a competing service without our written permission, except to the extent such restriction is prohibited by law.
Crowwe and its licensors retain all rights in the Services, software, designs, databases, brands, documentation and technology, other than rights expressly granted in these Terms. No implied licence is granted.
Our Privacy Policy explains what personal data we collect, why we process it, the lawful bases we rely on, how long we retain it, when we disclose it, international-transfer safeguards, security measures and your rights. It forms part of the information made available to you, but these Terms do not seek blanket consent for all processing described there. Where consent is legally required, we will request it separately in a manner intended to be freely given, specific, informed and unambiguous.
If these Terms and the Privacy Policy conflict on how personal data is processed, the Privacy Policy and applicable data-protection law control for that issue. Contractual acceptance of these Terms does not waive a data-protection right, prevent withdrawal of consent, restrict a complaint to a competent supervisory authority, or by itself constitute consent to use private communications or AI inputs to train a general-purpose AI model.
Some features request access to contacts, camera, microphone, photos, files, notifications or location. The request will be presented through your device or the Platform. You can manage permissions through your device or Crowwe settings, although disabling a permission may prevent the related feature from working. If you upload another person’s contact details or personal data, you are responsible for having a lawful basis and giving any required notice.
We may send operational communications reasonably necessary for your account or a transaction, such as authentication, payment, safety, legal and service notices. Marketing communications are governed by your choices and applicable law. You may opt out of marketing without losing essential service communications.
Respect the privacy, confidentiality, image rights and data-protection rights of others. Do not publish private identifiers, financial information, health information, intimate content, recordings or confidential communications without appropriate authority. A recipient may save, copy, forward, record or disclose content despite Crowwe’s settings; share accordingly.
You retain any intellectual-property rights you hold in messages, posts, profiles, business listings, photos, videos, audio, documents, reviews, AI inputs and other material you submit, transmit, store or make available through Crowwe (“User Content”). These Terms do not transfer ownership of User Content to us.
You grant IPI a non-exclusive, worldwide, royalty-free licence, sublicensable only to its affiliates and service providers, to host, cache, store, reproduce, transmit, display, perform, distribute and technically adapt User Content only as reasonably necessary to provide, secure, operate, moderate, support, test and improve the Services; follow your settings and instructions; comply with law; and enforce these Terms. This licence does not, by itself, authorise use of private communications or AI inputs to train a general-purpose AI model. Technical adaptations may include resizing, transcoding, formatting and creating previews. Public or broadly shared content may be displayed to the audience you select and redistributed through platform features such as sharing or reposting.
The licence in Section 6.2 ends when the relevant User Content is deleted from our active systems, except to the extent that: another user has re-shared or retained it; a reasonable backup cycle is still running; retention is required for security, fraud prevention, dispute resolution or law; or the content has been irreversibly anonymised. We will handle deletion and retention in accordance with the Privacy Policy and applicable law.
You represent that you have the rights and permissions needed to submit User Content and grant the licence above, and that your User Content and our permitted use of it do not violate law, these Terms or another person’s rights. Do not upload content subject to confidentiality, professional secrecy, export controls or third-party restrictions unless you are authorised and Crowwe is appropriate for that content.
If you voluntarily provide suggestions or feedback about Crowwe, you grant us a perpetual, worldwide, royalty-free right to use it without obligation to compensate you. This does not include personal data or User Content beyond what is reasonably necessary to understand and act on the feedback.
You may not use Crowwe, assist another person to use it, or attempt to use it to:
Break the law or harm others. Commit, promote, organise or facilitate unlawful acts; credible threats; violence; terrorism; trafficking; exploitation; or conduct that creates a serious risk to life or safety.
Exploit or sexualise people. Create, solicit, possess or distribute child sexual abuse material, non-consensual intimate content, sexual exploitation material or content that unlawfully exposes a person to abuse.
Harass or discriminate. Stalk, bully, intimidate, threaten or target a person or protected group with hateful or dehumanising abuse, while recognising that lawful criticism, journalism, scholarship and public-interest debate require contextual assessment.
Defraud or manipulate. Scam, impersonate, deceive, phish, launder money, finance terrorism, evade sanctions, conduct unauthorised fundraising, manipulate transactions or engage in other fraudulent financial activity.
Violate rights or confidentiality. Infringe intellectual property, privacy, publicity, data-protection, confidentiality or contractual rights; dox another person; or unlawfully record or disclose communications.
Compromise systems. Introduce malware; probe or exploit vulnerabilities without written authorisation; interfere with security, availability or integrity; bypass access controls; or access accounts, systems or data without permission.
Abuse automation or data. Scrape, harvest, index, crawl, bulk-download, spam, artificially amplify activity, create inauthentic engagement, or use bots or automated accounts without our written permission or an authorised interface.
Misuse regulated goods or services. Offer or transact in illegal, stolen, unsafe or prohibited goods or services, or regulated goods and services without required licences, disclosures and safeguards.
Mislead about identity or content. Misrepresent affiliation, source or endorsement; conceal materially synthetic or manipulated content where disclosure is required; or use deceptive high-volume commercial content.
Evade enforcement. Circumvent a restriction, create substitute accounts after suspension, retaliate against reporters or abuse complaint and appeal systems.
Context matters. We aim to apply these standards diligently, objectively and proportionately, taking account of safety, freedom of expression, public interest, satire, counterspeech, newsworthiness and local law. These Terms do not require us to host content that exposes users, IPI or others to unreasonable harm or legal risk.
We may use user reports, trusted sources, human review and automated tools to identify suspected illegal content, policy violations, fraud, spam and security threats. Automated tools may help prioritise or detect material, but significant account or content decisions should receive appropriate human oversight where required by law or reasonably practicable. Moderation systems can make mistakes.
Depending on severity, context, repetition, legal requirements and risk, we may:
reduce distribution, label, age-gate, remove or disable access to content;
limit messaging, calling, posting, payment, marketplace, monetisation or other features;
require verification, corrective action or additional information;
freeze or delay a transaction when permitted or required through the applicable Payment Partner;
issue a warning, temporarily suspend or permanently terminate an account; or
preserve information or notify a competent authority where lawfully required or reasonably necessary to address an imminent threat.
You can report content through available in-app controls or by emailing support@crowwe.ng. A useful report identifies the exact account, post, message, listing or electronic location; explains the concern and relevant legal or policy ground; includes supporting information; and confirms a good-faith belief that the report is accurate. We may request additional information, acknowledge receipt and notify the reporter of the outcome where appropriate and lawful.
When we restrict content, payments, features or an account, we will ordinarily provide the affected user with a reasonably clear explanation, the duration and scope of the restriction, whether automated tools materially contributed, and available appeal options. We may delay, limit or omit notice where disclosure would violate law, undermine an investigation, reveal confidential security methods, facilitate abuse or create a risk of harm.
You may appeal an eligible moderation or account decision without charge through the in-app route or support@crowwe.ng, preferably within 180 days after notice. Include the decision reference, the reasons you disagree and relevant evidence. Appeals will be reviewed in a timely, non-discriminatory and non-arbitrary manner, with appropriate qualified human oversight. We may reverse, modify or uphold a decision and will communicate the outcome. Rights to regulatory, out-of-court or judicial redress remain available where applicable.
Crowwe does not promise to monitor every communication, listing or item of User Content, and the existence of moderation tools does not make us responsible for all user activity. Nothing in these Terms limits duties imposed by applicable law after we receive a sufficiently specific notice or otherwise obtain legally relevant knowledge.
The Crowwe name, logos, product appearance, software, documentation and other IPI materials are protected by intellectual-property laws. You may not use our brands in a way that suggests sponsorship, endorsement or affiliation without prior written permission, except for truthful referential use allowed by law.
A person who believes content infringes copyright, trademark or another protected right may send a good-faith notice to info@ipi.ng. The notice should identify the protected work or right, identify the challenged material and its location, provide contact information, explain the basis of the claim, and confirm that the information is accurate and the sender is authorised to act. We may forward the notice to the affected user where lawful.
An affected user may respond with a good-faith counter-notice and supporting evidence. We may restore content where appropriate and may restrict accounts that repeatedly or seriously infringe rights. Submitting knowingly false or abusive notices may create legal liability and may itself violate these Terms.
Privacy and audience settings affect who can access content through Crowwe, but they do not guarantee that recipients will keep it confidential. Public posts, stories, profiles, business listings, comments and reactions may be discoverable and redistributed. Group administrators and participants may see membership and activity information. Review your settings and intended audience before sharing.
Where a messaging or calling feature is identified as end-to-end encrypted, the communication content is designed to be accessible only to the participating endpoints while in transit. The scope of encryption may vary by feature, device, group configuration, backup, integration and version. Encryption does not protect content on a compromised device, prevent a participant from recording or forwarding it, or conceal transaction and operational metadata that we or a service provider lawfully process as described in the Privacy Policy. Do not rely on a general marketing statement for a use case requiring specialised confidentiality; review current in-product information.
You are responsible for obtaining any notice or consent required before recording, transcribing, monitoring or sharing a call, message, image or meeting. Crowwe does not authorise unlawful surveillance or interception.
Crowwe is not a telephone carrier or emergency-response service. Calls and messages may fail or be delayed and should not be used as the only way to contact police, fire, ambulance or other emergency services.
Crowwe may provide business profiles, storefronts, product or service listings, invoices, receipts, customer communications and related tools. Unless a feature expressly states otherwise, these tools support a transaction between users; they do not make Crowwe the seller, buyer, employer, agent, partner, insurer or guarantor of either party.
A merchant or business user is responsible for:
providing accurate identity, contact, price, tax, delivery, cancellation, refund, warranty and product-safety information required by law;
holding all licences, registrations, insurance and authorisations required for its goods or services;
ensuring listings are lawful, accurate, not misleading and suitable for the intended market;
issuing legally compliant invoices and receipts and meeting tax, accounting and record-keeping obligations; and
handling fulfilment, returns, complaints and remedies owed to its customers.
Buyers should review the seller’s identity, description, price, delivery and refund information before committing. Crowwe may perform checks or display indicators, but does not guarantee a merchant’s identity, solvency, quality, legality, safety or performance unless we expressly assume that responsibility in feature-specific terms.
The contract for goods or services is ordinarily between buyer and seller. Their rights and obligations are governed by their agreement and applicable consumer law. Crowwe may offer tools to report a dispute and may cooperate with payment partners or authorities, but is not required to decide every private dispute.
Crowwe may let you initiate transfers, contribute in group chats, pay merchants, receive payments or view payment-related information. These payment functions are processed, settled or otherwise provided by one or more independent financial institutions or payment service providers authorised for the relevant service (each a “Payment Partner”). The applicable partner may be identified in the transaction flow. IPI Solutions Nigeria Limited is not itself a bank, deposit-taking institution or licensed payment service provider and does not accept deposits or independently hold customer funds, unless a future feature expressly identifies a duly licensed Crowwe entity and supplies separate regulated terms.
Your use of a payment function may be subject to the Payment Partner’s terms, privacy notice, fees, limits, settlement rules and complaint process. You authorise us to send the Payment Partner information and instructions needed to process your transaction. For the regulated payment service, the Payment Partner’s terms control to the extent of a direct conflict; these Terms continue to govern the Crowwe interface and non-regulated Services.
You may be required to complete know-your-customer, beneficial-ownership, anti-money-laundering, counter-terrorist-financing, sanctions, fraud and source-of-funds checks. We or the Payment Partner may set or change transaction limits, delay settlement, reject instructions, restrict an instrument, place a lawful hold, request information or report activity when reasonably necessary to comply with law or manage fraud and security risk. We will provide notice where lawful and practicable.
Before confirming a transaction, check the recipient, account, amount, currency, fee, exchange rate, description and funding source. Your confirmation is an instruction to process the transaction. A completed or submitted transfer may be irreversible, particularly if sent to the wrong recipient. We do not guarantee recovery, but you should contact support promptly and we will provide reasonable assistance consistent with law and Payment Partner capabilities.
Any Crowwe or Payment Partner fee and any applicable exchange rate should be shown before confirmation or in applicable fee disclosures. You are responsible for taxes arising from your transactions, business or receipts, except taxes imposed on our income. A telecommunications provider, card issuer or bank may impose separate charges for which it is responsible.
You may use only a funding source you are authorised to use. A transaction may be reversed, recalled, charged back, adjusted or cancelled where authorised by law, network rules, the Payment Partner’s terms, a court or regulator, or where the transaction is unauthorised, duplicated, erroneous, fraudulent or not finally settled. You remain responsible for a valid negative balance, chargeback, refund or fee attributable to your transaction, subject to your statutory rights and a fair investigation.
A pending or failed transaction does not necessarily mean funds have finally moved. Processing times may depend on banks, payment networks, verification, connectivity and legal controls. Refund responsibility for a purchase ordinarily rests with the merchant, while the Payment Partner processes an approved reversal. For an unauthorised, failed, duplicate or disputed payment, contact support@crowwe.ng promptly with the transaction reference; we may route the complaint to the responsible Payment Partner. Applicable statutory and regulatory timelines and reimbursement rights remain unaffected.
Crowwe may display receipts or transaction histories for convenience. Keep independent records needed for accounting, tax or legal purposes. If an in-app record conflicts with the Payment Partner’s final settlement record, the final regulated record ordinarily controls, subject to correction rights.
Payment features are not savings, investment, lending, insurance or financial-advisory services unless expressly offered by an authorised provider under separate terms. No return, interest, deposit insurance or protection scheme applies merely because a value is displayed in Crowwe.
Inna uses artificial-intelligence systems to produce text, summaries, suggestions, drafts, classifications and other responses based on your instructions (“Output”). AI systems generate probabilistic results. Output may be inaccurate, incomplete, biased, offensive, outdated, fabricated or unsuitable for your purpose, even when it appears confident.
You are responsible for evaluating Output and using appropriate human review before relying on or sharing it. Inna does not replace a qualified professional and does not provide legal, medical, financial, tax, engineering, security or other regulated advice. Seek an appropriately licensed professional for decisions carrying material legal, financial, health, safety or rights consequences.
Submit only information you are authorised to use and process. Do not enter passwords, authentication codes, payment-card numbers, highly sensitive personal data, privileged material, trade secrets or another person’s confidential information unless the feature is expressly approved for that information, suitable safeguards are in place and you have a lawful basis. AI input and output handling is described in the Privacy Policy and any feature notice presented to you.
As between you and IPI, you retain your rights in your input. We do not claim ownership of Output generated for you, to the extent the law recognises rights in that Output. Output may not be unique, and another user may receive similar material. You are responsible for checking whether use of Output infringes rights, requires attribution or disclosure, or is restricted by law or a third-party licence.
Do not use Inna as the sole basis for decisions about employment, credit, insurance, housing, education, healthcare, legal rights, government benefits, law enforcement or another high-impact domain. Do not use it to deceive, impersonate, discriminate unlawfully, conduct surveillance without authority, generate malware, facilitate fraud, create sexual exploitation content or make a materially misleading claim that Output was created solely by a human. Provide AI disclosure where applicable law or professional standards require it.
Inna may use models, infrastructure or services supplied by IPI affiliates or third parties. Model behaviour and availability may change. We may apply safety filters, usage limits, logging, review and other safeguards consistent with the Privacy Policy, law and these Terms. We do not warrant that Output will be error-free, exclusive or fit for a particular purpose.
If Crowwe offers a paid feature, subscription, digital item or promotional purchase, the price, billing period, material restrictions, taxes and payment method will be disclosed before you confirm. Additional purchase terms presented at checkout apply to that purchase.
If a subscription renews automatically, we will disclose the renewal frequency and price and provide a reasonable cancellation method. Cancellation normally takes effect at the end of the current paid period unless applicable law, the checkout terms or an app store requires otherwise. We will seek any consent required for a price increase or other material billing change.
Refunds are governed by the checkout terms, the payment or app-store provider’s rules and mandatory consumer law. Nothing in these Terms limits a legal right to cancel, receive conforming digital content, obtain a repair or replacement, or receive a refund where applicable.
Crowwe may interoperate with third-party websites, payment providers, identity services, app stores, merchants, delivery providers, cloud services or other products. Their terms and privacy notices govern their services. We are not responsible for a third party’s acts, content or availability merely because Crowwe links to or integrates with it, but this does not exclude responsibility that law places on us for our own selection, instructions or conduct.
Crowwe may display advertising, sponsored content or promotions. We will identify commercial content where required. An advertiser or promoter is responsible for its claims, goods, services and promotion rules. Your engagement may be subject to separate terms. Personalised advertising and related tracking are governed by the Privacy Policy and your available choices.
If you download Crowwe through Apple App Store, Google Play or another distributor, its usage rules and purchase terms also apply. To the extent required by those rules: the distributor is not a party to these Terms; IPI, not the distributor, is responsible for Crowwe and support; the distributor has no obligation to provide maintenance; and it may be a third-party beneficiary of the licence terms applicable to its platform. A distributor may handle billing, cancellation and refunds for purchases made through it. If these Terms conflict with mandatory distributor usage rules, those rules control solely for use of that distribution channel.
We may improve, update, add, limit or retire features to address security, law, technology, partner dependencies, user needs or business conditions. For a material change that adversely affects a paid service or removes a core function you reasonably rely on, we will provide reasonable notice where practicable and any remedy required by law. We do not promise that every feature will remain available indefinitely.
We aim to provide reliable Services but do not guarantee uninterrupted or error-free operation. Maintenance, network failure, device limitations, cyber incidents, payment-network outages, force majeure and events beyond reasonable control may interrupt access. We will take reasonable steps proportionate to the circumstances to restore affected Services.
A feature marked beta, preview, pilot or experimental may be incomplete, change without notice and be subject to additional limits. Do not rely on it for critical operations unless feature-specific terms expressly support that use. Mandatory rights remain unaffected.
You may stop using Crowwe and request account closure through available settings or support@crowwe.ng. Before closure, complete or resolve pending transactions, download information you wish to retain and meet outstanding obligations. Account closure does not automatically cancel a separate merchant, Payment Partner or app-store agreement.
We may restrict, suspend or terminate an account or feature where reasonably necessary because of a material or repeated breach; unlawful activity; fraud, sanctions or financial-crime risk; a security threat; non-payment; risk of harm; a legal or regulatory instruction; extended inactivity; or discontinuation of the Services. We aim to act proportionately and, where lawful and practicable, provide warning and an opportunity to correct a remediable breach before permanent termination.
We will ordinarily state the principal reason and effective date and identify an appeal route. Immediate action may be taken without advance notice where delay could expose a person, payment system, Crowwe or others to harm; facilitate evasion; violate law; or undermine an investigation. Section 8.5 governs eligible appeals.
When an account closes, the user licence ends and access to User Content may cease. Data deletion, retention and export are governed by the Privacy Policy, applicable law and legitimate operational needs. Provisions that by their nature should continue - including accrued payment obligations, intellectual-property rights, disclaimers, liability, indemnity, disputes and general legal terms - survive closure.
Nothing in this Section excludes a warranty, guarantee or remedy that cannot lawfully be excluded. Subject to that qualification, Crowwe and any free Services are provided on an “as available” basis. We do not warrant that the Services will be uninterrupted, completely secure, error-free, free from harmful components, compatible with every device, or that all User Content, merchants, transactions, AI Output or third-party services will be accurate, lawful, safe or suitable. You remain responsible for appropriate verification, backups, security, professional advice and decisions made through your account.
We do not endorse a user, merchant, listing, opinion or third-party offer merely because it appears on Crowwe. Verification indicators, moderation and security controls reduce risk but cannot eliminate it. Specific written commitments in a paid or enterprise agreement are not displaced by this general disclaimer.
Nothing in these Terms limits or excludes liability for fraud or fraudulent misrepresentation; wilful misconduct; death or personal injury caused by negligence; a breach of confidentiality or data-protection obligations to the extent the law does not permit limitation; payment amounts that applicable law requires to be restored or reimbursed; or any other liability that cannot lawfully be limited or excluded.
If you use Crowwe as a consumer, we remain responsible for loss or damage that is a reasonably foreseeable result of our breach of these Terms or failure to use reasonable care, subject to applicable law. We are not responsible for business losses suffered by a consumer, including loss of profit, revenue, opportunity, goodwill or business interruption.
To the maximum extent permitted by law, neither party is liable to the other for indirect, incidental, special, exemplary, punitive or consequential loss, or for lost profit, revenue, anticipated savings, goodwill, opportunity or data, except where the loss was reasonably foreseeable and directly caused by the liable party or cannot lawfully be excluded. IPI is not responsible for loss caused solely by another user, merchant, Payment Partner, app store, telecommunications provider or other third party outside our reasonable control.
Subject to Sections 20.1 and 20.2 and to mandatory law, IPI’s total aggregate liability arising from or relating to the Services or these Terms will not exceed the greater of: (a) the amount you paid directly to IPI for the affected Services during the 12 months before the event giving rise to the claim; and (b) NGN 250,000. This cap does not reduce a Payment Partner’s separate liability under its terms or applicable financial-services law.
The disclaimers and limits in Sections 19 and 20 reflect a reasonable allocation of risk, including that many Services are offered without charge. They apply to all legal theories and even if a remedy fails of its essential purpose, but only to the extent permitted by law.
This Section applies only if you use Crowwe for business, professional, governmental or commercial purposes. You will defend, indemnify and hold harmless IPI, its affiliates and their personnel from third-party claims, damages, judgments, penalties and reasonable legal costs arising from your unlawful business activity, your goods or services, your material breach of these Terms, or User Content that infringes another person’s rights. It does not apply to the extent a claim results from IPI’s breach, negligence or wilful misconduct.
We will give reasonably prompt notice, allow you to control the defence with competent counsel, and provide reasonable cooperation at your cost. You may not settle a claim in a way that admits fault by or imposes an obligation on an indemnified party without that party’s written consent, not to be unreasonably withheld.
We encourage you to contact support@crowwe.ng with a concise description of the issue, the relief requested and relevant references. We will aim to acknowledge and investigate complaints within a reasonable time. Payment complaints may also be handled by the relevant Payment Partner under regulatory timelines. This informal process does not suspend a statutory limitation period or prevent urgent relief.
You may complain to a competent consumer, data-protection, financial-services, competition or digital-services authority where the law gives you that right. Nothing in these Terms requires you to waive or exhaust a private process before contacting a regulator, unless applicable law validly requires otherwise.
These Terms and non-contractual obligations arising from them are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws rules. If you are a consumer, this choice does not deprive you of mandatory protections available under the law of your habitual residence.
A consumer may bring a claim in any court or tribunal that has jurisdiction under applicable law, including a competent court at the consumer’s habitual residence where mandatory law permits. Any proposal to mediate or arbitrate a consumer dispute is voluntary unless a separate agreement made after the dispute arises or applicable law provides otherwise.
A dispute involving a business user that is not resolved through good-faith discussions within 30 days after written notice will be finally resolved by arbitration under the Arbitration and Mediation Act 2023. The seat will be Abuja, Nigeria; the language will be English; and the tribunal will consist of one arbitrator agreed by the parties or appointed in accordance with the Act. The proceeding and award will be confidential except where disclosure is required for enforcement, law, regulation or professional advice. The tribunal may award any remedy available under the governing law.
Either party may seek urgent interim or injunctive relief from a competent court to protect security, confidential information, intellectual property, personal safety or the integrity of payment systems. A qualifying claim may also be brought in a small-claims or equivalent tribunal where applicable. These limited proceedings do not waive arbitration for the remaining business dispute.
We may amend these Terms to reflect changes in law, regulation, security, technology, the Services or our business. We will post the revised Terms and update the effective date. For a material change that adversely affects your rights, we will provide reasonable advance notice - ordinarily at least 30 days - by email, in-app notice or another prominent method. A shorter period may apply where a change is required urgently by law, a regulator, security or abuse prevention.
Where law requires express agreement, we will request it. Otherwise, continued use after the stated effective date constitutes acceptance to the extent permitted by law. If you do not agree, you may stop using Crowwe and close your account before the new terms take effect. A change does not retroactively alter a dispute that arose before its effective date unless the parties agree or law requires it.
You agree that contracts, disclosures, statements, receipts, policies and notices may be provided electronically through Crowwe, email, a website or another durable method permitted by law. Keep your contact details current and retain copies you need. A notice is treated as received when made available through the agreed channel, subject to any mandatory delivery rule. You may request available accessibility support or a legally required paper copy through support@crowwe.ng.
These Terms, the feature-specific terms referred to in Section 1.4 and any separately signed agreement constitute the agreement about the Services they cover and supersede prior statements on the same subject. The Privacy Policy remains the governing transparency document for personal-data processing as described in Section 5.
You may not assign or transfer these Terms or an account without our written consent. We may assign these Terms in connection with a merger, reorganisation, financing, sale of assets or transfer of the Services, provided the assignment does not reduce mandatory rights and personal data is handled in accordance with the Privacy Policy and law. We will notify you where required.
If a provision is unlawful or unenforceable, it will be enforced to the maximum lawful extent and the remainder will continue in effect. A court or tribunal may modify an overbroad provision only as necessary to make it enforceable. “Including” means “including without limitation”. Headings and the plain-language summary aid navigation but do not narrow the operative text.
A failure or delay in enforcing a provision is not a waiver. A waiver is effective only if clearly made by an authorised party and applies only to the stated circumstance.
These Terms do not create employment, agency, partnership, joint venture, fiduciary or franchise relationships. Except for app-store beneficiaries expressly described in Section 16 and indemnified parties under Section 21, no third party has a right to enforce these Terms unless applicable law provides otherwise.
Neither party is liable for delay or failure caused by events beyond its reasonable control, such as natural disaster, epidemic, war, civil disorder, widespread infrastructure or telecommunications failure, government action or major cyber incident, provided the affected party takes reasonable steps to reduce impact. This does not excuse payment obligations already due or duties that law does not permit to be excluded.
The English version is the controlling version to the extent permitted by law. A translation may be provided for convenience or where legally required; a mandatory local-language version controls where applicable law so provides.
Nigerian users retain rights under applicable law, including the Federal Competition and Consumer Protection Act 2018, the Nigeria Data Protection Act 2023 and applicable payment regulations. Consumer complaints may be submitted to the Federal Competition and Consumer Protection Commission; privacy complaints to the Nigeria Data Protection Commission; and regulated payment complaints to the relevant Payment Partner and competent financial authority. The availability of a regulator does not eliminate other lawful remedies.
If you are a consumer in the EEA, United Kingdom or Switzerland, mandatory consumer and data-protection law and rights to bring proceedings in your home jurisdiction remain unaffected. Where digital-services law applies to Crowwe, you may use applicable notice-and-action, statement-of-reasons, internal complaint, out-of-court settlement and judicial-redress mechanisms. Nothing in these Terms requires waiver of those mechanisms or permits solely automated resolution where qualified human oversight is required.
If the law where you live grants non-waivable rights, those rights apply in addition to these Terms. A disclaimer, liability limit, governing-law clause or dispute process that is prohibited in your jurisdiction will not apply to you to that extent; the remaining Terms continue to apply.
Questions, notices and complaints may be directed as follows:
Company: IPI Solutions Nigeria Limited
Headquarters: Plot 8 Zambezi Crescent, Maitama, Abuja FCT, Nigeria
Lagos office: Plot 169 Karimu Kotun, Victoria Island, Lagos, Nigeria
General and legal notices: info@ipi.ng
Customer support and payment issues: support@ipi.ng
Privacy enquiries: privacy@ipi.ng
Data Protection Officer: dpo@ipi.ng
Security incidents: security@ipi.ng
Telephone: +234 803 348 6748
Crowwe website: www.crowwe.net
Company website: www.ipi.ng
END OF TERMS