General Terms of Use

1.1 Thamani Invest Limited ("Thamani", "we", "us" or "our") operates a technology-enabled platform designed to make savings, investment opportunities, Business Funding pathways and financial information more accessible. 1.2 Depending on the service, Thamani may provide platform or technology services, present selected opportunities, structure or participate in particular transactions, facilitate introductions to third-party institutions, or perform other functions described in the applicable product documentation. 1.3 Thamani's role is not necessarily the same across all products. The underlying assets, parties, investment structures, payment arrangements, ownership rights, return mechanisms, risks and exit arrangements may differ. The documents applicable to each product explain its relevant structure. 1.5 Nothing in these Terms represents that Thamani holds a licence, registration or regulatory approval that it has not obtained. Services requiring regulatory authorisation will only be offered or carried out to the extent legally permitted. The involvement of a regulated third party does not automatically mean that Thamani itself is licensed for every activity associated with the service.

2.1 These Terms govern general access to and use of the Platform. They do not, by themselves, establish the complete contractual terms of a savings plan, investment, Business Funding arrangement or specific transaction. 2.2 Depending on the service, additional documents may include: I. Product Terms; II. Risk Disclosures; III. Investment, subscription or participation agreements; IV. Savings terms; V. Fees and Charges; VI. Shariah related disclosures or product documents; VII. Third-party service terms; and VIII. Other transaction documents. 2.3 You should review the applicable documents before participating in a product or transaction. Where a separate agreement governs a transaction, that agreement controls the specific rights and obligations it addresses. Product Terms prevail over these general Terms to the extent of any inconsistency concerning the relevant product. 2.4 These Terms do not replace the Thamani Privacy Notice or Cookie Policy.

3.1 You must have the legal capacity to enter into a binding agreement to use the relevant service. Unless a particular service lawfully provides otherwise, you must be at least 18 years old. 3.2 Some services may have additional eligibility requirements, including identity verification, residency, investor classification, suitability checks, source-of-funds checks or other requirements imposed by law, a product's terms or a relevant third-party provider. 3.3 Thamani may decline, delay or restrict access to a service where eligibility requirements have not been met, information cannot be verified, or providing the service would be unlawful or otherwise impermissible. 3.4 If you apply or act on behalf of a company or another legal entity, you represent that you have the authority to provide information, submit the application and accept applicable terms on that entity's behalf. 3.5 A corporate applicant is responsible for ensuring that the person acting for it is properly authorised and that information provided about the entity, its directors, beneficial owners and authorised representatives is accurate and complete.

4.1 Some Platform features may require you to create an account or submit an application. You agree to provide accurate, complete and current information and to update it when necessary. 4.2 You must not impersonate another person, misrepresent your identity or authority, submit false documents, or conceal information where disclosure is required. 4.3 You are responsible for protecting your account credentials and should notify Thamani promptly if you suspect unauthorised access or a security compromise. 4.4 You must not share account credentials in a way that permits unauthorised access, create multiple accounts to evade restrictions, or knowingly allow an unauthorised person to use your account. 4.5 Thamani may request documents or further information to verify identity, authority, eligibility, source of funds or other relevant matters. Failure to provide the requested information may delay, limit or prevent access to a service. 4.6 Creating an account or submitting an application does not automatically qualify you for every product and does not constitute approval of an investment, savings arrangement or Business Funding request.

5.1 Savings Products and Terms (a) Savings Products. Thamani may make the following savings products available through the Platform, subject to eligibility requirements and the terms displayed before subscription: • LockSave: A fixed-term savings plan under which the funds and applicable interest are payable at maturity, subject to the agreed plan terms. • FlexiSave: A savings plan permitting one withdrawal every 30 days, subject to the applicable withdrawal conditions. • SmartSave: A savings plan involving scheduled contributions, with the savings and applicable interest payable at maturity. • SafeGuard: A savings plan permitting one withdrawal every two months, subject to the applicable withdrawal conditions. • RainyDay: A flexible savings plan permitting withdrawals without a specified frequency limit or withdrawal penalty, subject to applicable processing requirements. • Halal Savings: A savings plan structured in accordance with the Shariah-compliant arrangement disclosed by Thamani, under which interest (riba) is not payable. (b) Plan Details. Before subscribing, the User shall be provided with a summary of the selected plan stating, as applicable, the contribution amount and frequency, duration, applicable interest rate or return arrangement, payment and maturity dates, withdrawal conditions, fees and other material conditions to review, before confirming the subscription. The User’s subscription shall be governed by that summary and this Clause. (c) Contributions and Returns. The User shall make contributions in accordance with the selected plan. Interest or other returns shall be calculated and paid in accordance with the applicable plan terms and the details disclosed before subscription. No savings return shall be treated as guaranteed unless expressly stated in the applicable plan terms. For Halal Savings, returns, if any, shall be determined by the disclosed Shariah-compliant arrangement and shall not constitute interest. (d) Withdrawals and Maturity. Withdrawals, early access to funds and payment at maturity shall be subject to the conditions applicable to the selected plan. Where a plan restricts withdrawals or requires funds to remain invested or saved until maturity, the User acknowledges and accepts those restrictions before subscribing. Any applicable early withdrawal consequence or fee shall be disclosed before the User commits to the plan. (e) Plan Confirmation and Changes. By confirming a savings plan, the User confirms that they have reviewed and accepted these Terms and the applicable plan summary and disclosures. The terms applicable at subscription shall govern that plan, subject to any change expressly permitted by the applicable terms or required by law. Thamani shall communicate any material change affecting an existing plan in accordance with applicable law and the relevant contractual terms. (f) Risks and Applicable Disclosures. The User shall review the General Risk Disclosure before subscribing. A User subscribing to Halal Savings shall also review the applicable Shariah Compliance and Governance Disclosure and Shariah Risk Disclosure. These disclosures form part of the information governing the selected plan and shall be read together with this Clause. (g) Suspension and Compliance. Thamani may restrict, suspend or delay a contribution, withdrawal or payment where reasonably necessary to comply with applicable law, a lawful regulatory direction, fraud-prevention requirements or a material security concern. Where legally permitted, Thamani shall inform the User of the restriction and its basis. Any such action shall not remove rights that cannot lawfully be excluded. (h) Separate Agreements. This Clause governs savings products offered through the Platform. It does not replace any separate agreement required by applicable law or applicable to a distinct investment or other service offered by Thamani. 5.2 Investment opportunities The Platform may present opportunities associated with the following products: • FinVest: Opportunities involving selected financial-market instruments or arrangements, potentially through regulated financial institutions and fund managers. • AgriVest: Opportunities connected with agricultural businesses, projects or value chains. • Property Vault: Opportunities connected with real estate, subject to the ownership, participation or economic-interest structure stated in the relevant documents. • Mudarabah: An arrangement intended to follow the Shariah principle of Mudarabah, with the parties’ roles, profit-sharing arrangements and allocation of losses described in the relevant product documents. The final structure and terms of each opportunity are governed by its applicable product and transaction documents. A product name or description does not, by itself, establish direct ownership of an underlying asset, a fixed return or a direct claim against an underlying business or property. 5.3 Private-investor applications The Platform may allow individuals and corporate entities to express interest in private-investor opportunities. Submitting an application permits Thamani to review and consider the information provided. It does not guarantee acceptance, access to an opportunity, an allocation or any particular outcome. 5.4 Business Funding Businesses may submit funding requests through the Platform for review and possible referral to selected finance or capital partners. Thamani may conduct preliminary checks, review information provided and assess the general suitability of a request for referral. Unless expressly stated otherwise in a separate written agreement and legally permitted, Thamani does not itself undertake to provide financing to an applicant. The relevant finance or capital partner independently determines whether to consider or approve a request, subject to its own assessment and requirements. Submitting a Business Funding request does not guarantee that funding will be offered. 5.5 Mani AI and Financial Information Tools The Platform may provide Mani AI or other tools that offer financial information, explanations, summaries, insights or suggestions. Outputs may be incomplete, inaccurate, outdated or unsuitable for a particular user or decision. They should be assessed independently and must not be treated as a guarantee or as a substitute for reviewing the applicable product documents or obtaining appropriate professional advice. 5.6 Not all services will be available to every user or at all times. Thamani may introduce, modify, restrict or discontinue services, subject to applicable law and its existing contractual obligations. 5.7 The presence of a product or service on the Platform does not mean that Thamani is authorised to carry out every activity associated with it. Thamani will operate only within the scope legally permitted for the relevant service.

C. Private-investor applications

The Platform may allow individuals and corporate entities to express interest in private investor opportunities. Submitting an application permits Thamani to review and consider the information provided. It does not guarantee acceptance, access to an opportunity, an allocation or any particular outcome.

D. Business Funding

Businesses may submit funding requests through the Platform for review and possible referral to selected finance or capital partners. Thamani may conduct preliminary checks, review information provided and assess the general suitability of a request for referral. Unless expressly stated otherwise in a separate written agreement and legally permitted, Thamani does not itself undertake to provide financing to an applicant. The relevant finance or capital partner independently determines whether to consider or approve a request, subject to its own assessment and requirements. Submitting a Business Funding request does not guarantee that funding will be offered.

E. Mani AI and Financial Information Tools

The Platform may provide Mani AI or other tools that offer financial information, explanations, summaries, insights or suggestions. Outputs may be incomplete, inaccurate, outdated or unsuitable for a particular user or decision. They should be assessed independently and must not be treated as a guarantee or as a substitute for reviewing the applicable product documents or obtaining appropriate professional advice. 5.2 Not all services will be available to every user or at all times. Thamani may introduce, modify, restrict or discontinue services, subject to applicable law and its existing contractual obligations. 5.3 The presence of a product or service on the Platform does not mean that Thamani is authorised to carry out every activity associated with it. Thamani will operate only within the scope legally permitted for the relevant service.

6.1 Before participating in a savings or investment product, you should review the applicable terms, risks, fees, tenor, withdrawal or exit conditions and the rights attached to the arrangement. 6.2 Minimum participation amounts, investment periods, return mechanisms, payment schedules, eligibility requirements and other conditions may vary by product. The applicable product documents and transaction confirmation govern the relevant arrangement. 6.3 Any target, indicative, projected or forecast return is not a guarantee unless expressly stated as a legally valid commitment in the applicable agreement. No return or full repayment of capital should be assumed merely because a figure appears in a product description or marketing material. 6.4 Investments and related arrangements may involve risks, including loss of capital, counterparty failure, underperformance, market movements, liquidity constraints, delays, changes in law and other risks described in the applicable Risk Disclosure and product documents. 6.5 You must not assume that you can withdraw, transfer, sell or redeem a savings or investment position before maturity unless the applicable product terms expressly permit it. 6.6 Where an arrangement involves pooled funds, a special-purpose vehicle, trustee, custodian, project operator or underlying business, your rights depend on the actual legal structure and the applicable documents. Participation does not automatically give you direct ownership of the underlying asset. 6.7 Where securities or other financial assets are held or recorded through a central securities depository, custodian, trustee or other institution, the applicable documents should explain how legal title, beneficial ownership or other entitlements are recorded and administered. 6.8 Statements, confirmations and reports may be provided where applicable. Their availability and timing may depend on the product structure, transaction arrangements and relevant counterparties. 6.9 Nothing in this section limits an express obligation undertaken by Thamani or another party in an applicable product or transaction agreement.

7.1 Each product may have its own rules covering funding, allocation, payments, returns, tenor, withdrawal, maturity, default, security, reporting and dispute resolution. You must review the applicable documents before participating. 7.2 The outcome of a product or transaction may depend partly or wholly on the performance of a third party, including a financial institution, fund manager, finance partner, project operator, property developer or underlying business. 7.3 Product documents for Mudarabah or another product expressly designated as Shariah-compliant should explain the relevant structure, the parties' roles, profit sharing arrangements, loss allocation and any applicable Shariah oversight. 7.4 A Shariah-compliant designation applies only to the specific product or arrangement expressly identified as such. It does not automatically apply to every Thamani service or investment and does not remove the financial or operational risks of participation. 7.5 Any security, collateral, insurance, guarantee or other risk-mitigation measure applies only to the extent described in the relevant documents. Its scope, availability and enforceability depend on the actual arrangement and applicable law. You should not assume that any such protection exists unless it is expressly documented.

8.1 Applicable fees and charges will be disclosed on the Platform or in the relevant product or transaction documents. 8.2 You should review the applicable documents for charges imposed by Thamani or third parties, including payment-processing or other service fees where applicable. 8.3 Payments must be made through the designated payment channels or accounts communicated through authorised Thamani channels. You should not send money to an individual or account that has not been officially designated for the relevant transaction. 8.4 Processing times may depend on banks, payment providers, financial institutions and other third parties involved in a transaction. 8.5 Refunds, reversals, cancellations and withdrawals are governed by the applicable product or transaction documents and applicable law. Submitting an application does not, by itself, entitle you to a refund of funds validly committed to an investment or other transaction. 8.6 You are responsible for taxes applicable to you or your transactions, except to the extent that applicable law or a specific agreement provides otherwise.

9.1 A business submitting a Business Funding request must ensure that all information and documents provided are accurate, complete, current and not misleading. The applicant must have the authority to provide the information and documents submitted on behalf of the business. 9.2 Thamani may review the request, conduct preliminary checks and, where appropriate, refer the request to selected finance or capital partners. 9.3 A preliminary review or referral by Thamani does not constitute a credit assessment, funding approval, recommendation or commitment by Thamani to provide financing. 9.4 The relevant finance or capital partner independently determines whether to consider or provide financing. The partner may apply its own eligibility criteria, due diligence, credit or risk assessment, documentation requirements, approval procedures and other conditions. Any financing offered will be governed by separate documents agreed between the relevant parties. 9.5 Thamani does not guarantee approval, the availability of funding, any particular funding amount, financing cost, interest rate, repayment period, other financing terms or funding within any particular timeframe. 9.6 Information submitted through the Business Funding process may be reviewed by Thamani and, where appropriate and legally permitted, shared with selected finance or capital partners for the purpose of assessing, processing or facilitating the request. Such processing will be handled in accordance with applicable data-protection law, the Privacy Notice and any additional consent or authorisation required by law. 9.7 Applicants remain responsible for the accuracy and completeness of their submissions and should promptly correct any material error or omission they discover. 9.8 The separate Business Funding Disclaimer provides further information about Thamani's role in reviewing and referring funding requests, the independent decision making role of finance or capital partners and the limitations of the Business Funding process. It should be read together with these Terms and the Privacy Notice.

10.1 Mani AI and other automated tools may provide explanations, summaries, insights or suggestions to assist users in accessing financial information. 10.2 Outputs from these tools may be inaccurate, incomplete, outdated or unsuitable for your circumstances. You should independently verify important information and must not rely solely on an AI-generated output when making an investment, legal, tax or other consequential decision. 10.3 Mani AI does not replace the applicable product documents, a regulated service provider or professional advice. Its outputs do not guarantee any outcome. 10.4 You must not use AI tools on the Platform to generate unlawful content, commit fraud, manipulate markets, circumvent security measures or engage in other prohibited conduct. 10.5 Where an automated tool materially affects a decision about you, the relevant processing and any applicable rights and safeguards will be handled in accordance with applicable data-protection law and the Privacy Notice.

11.1 The Platform may link to or integrate with third-party services, including payment providers, banks, brokers, custodians, fund managers, project operators, finance partners and technology providers. 11.2 Third parties may have their own terms, privacy notices, eligibility requirements and regulatory obligations. You should review the relevant documents before using their services or entering into a transaction with them. 11.3 Where necessary, the applicable product or transaction documents will describe the role of a relevant third party. 11.4 Thamani is not automatically responsible for the independent acts, omissions, systems or performance of a third party. This does not exclude any responsibility expressly assumed by Thamani or any liability that cannot lawfully be excluded. 11.5 A link to, or reference to, a third party does not by itself constitute an endorsement, guarantee or representation that the third party or its services are suitable for you.

12.1 You agree to use the Platform lawfully and responsibly and to comply with these Terms and any additional terms applicable to a service you use. 12.2 You must not: A. Provide false, inaccurate or misleading information or documents; B. Misrepresent your identity, source of funds, beneficial ownership, authority or eligibility; C. Use the Platform to commit fraud, facilitate money laundering, finance terrorism or evade applicable sanctions; D. Access or attempt to access accounts, systems or information without authorisation; E. Introduce malware, circumvent security controls or interfere with the Platform's operation; F. Scrape, collect or use information from the Platform unlawfully or without required authorisation; G. Infringe intellectual property or other legal rights; H. Engage in deceptive transactions, market manipulation or other unlawful conduct; I. Use the Platform to solicit users into unauthorised investment arrangements or circumvent applicable Platform restrictions; or J. Interfere with the rights, security or lawful use of the Platform by others. 12.3 You should promptly notify Thamani if you become aware of a material error in information you have submitted, suspected fraud involving your account or a security issue affecting the Platform. 12.4 Where reasonably necessary and legally permitted, Thamani may investigate suspected breaches and take proportionate action in accordance with these Terms and applicable law.

13.1 All intellectual property rights in the Platform and its contents, including the Thamani name, trademarks, logos, software, designs, graphics, text and other materials, are owned by or licensed to Thamani unless otherwise stated. 13.2 You may access and use the Platform for its intended purpose. You must not copy, reproduce, modify, distribute, publish, sell or commercially exploit any part of it without Thamani's prior written consent, except where permitted by law. 13.3 These Terms do not transfer intellectual property rights to you. All rights not expressly granted are reserved by Thamani and its licensors. 13.4 You retain any rights you hold in material you submit to Thamani. You permit Thamani to use that material only to the extent reasonably necessary to receive, review, operate or provide the relevant service, comply with legal obligations and perform the applicable agreement. 13.5 Thamani may use feedback you voluntarily provide to improve its services without compensation, subject to any rights that cannot lawfully be waived.

14.1 Thamani handles personal information in accordance with applicable Nigerian data-protection law, including the Nigeria Data Protection Act 2023, and its Privacy Notice. 14.2 Depending on the service, information processed may include identity and contact details, information about corporate representatives, application information, financial and transaction information, communications, device information and Platform usage information. 14.3 If you submit personal information about another person, including a director, employee, business partner, beneficial owner or authorised representative, you must have the authority to provide it and, where required, ensure that the person has been appropriately informed or that any necessary authorisation has been obtained. 14.4 Thamani may share information where necessary and legally permitted to provide a service, administer a product, process a transaction, comply with law, manage risk or carry out another purpose described in the Privacy Notice. 14.5 The Privacy Notice provides further details about the purposes and legal bases for processing, data subject rights, retention, disclosures and international transfers.

15.1 Thamani may communicate with you electronically through email, telephone, the Platform, account notifications or other contact details you provide, subject to applicable law and any relevant communication preferences. 15.2 You are responsible for keeping your contact details current and reviewing communications relevant to your account, application, product or transaction. 15.3 Where permitted by law, an electronic acceptance or other clear affirmative action may be used to record your agreement to these Terms or to a separate product or transaction document. 15.4 Thamani may keep electronic records of transactions, communications, consents, acknowledgements and acceptances for operational, contractual, legal and regulatory purposes. 15.5 Acceptance of these general Terms does not replace any separate product agreement, transaction document or acknowledgement required for a particular service.

16.1 Thamani will take reasonable steps to maintain the Platform, but does not guarantee that it will always be available, uninterrupted or error-free. 16.2 The Platform may occasionally be unavailable because of maintenance, upgrades, technical issues, payment system interruptions, network failures, cybersecurity incidents, third-party service failures or events outside Thamani's reasonable control. 16.3 Thamani may modify, suspend or discontinue a Platform feature or service for operational, security, legal or regulatory reasons, subject to applicable law and existing contractual obligations. 16.4 Material changes affecting an existing contractual arrangement will be handled in accordance with the applicable agreement and law. Nothing in this section overrides accrued rights or obligations that must be preserved by law.

17.1 Thamani may suspend or restrict access to an account, feature or service where reasonably necessary to comply with the law or a regulatory requirement, complete verification, investigate suspected fraud or suspicious activity, address a security concern, manage a material operational risk or enforce these Terms. 17.2 Where reasonably practicable and legally permitted, Thamani will notify you of a suspension or restriction and provide relevant information about the next steps. 17.3 Restricting access to the Platform does not automatically cancel or terminate an existing investment, savings arrangement, Business Funding arrangement or other transaction. The applicable documents and law will govern the continuing rights and obligations of the parties.

18.1 Thamani remains responsible for the obligations it expressly undertakes under these Terms and applicable product or transaction agreements, as well as any statutory obligations that apply. 18.2 To the extent permitted by law, Thamani is not responsible for losses arising solely from matters outside its responsibility, including independent market movements, changes in asset values, the independent failure or performance of a third-party counterparty, or events beyond its reasonable control. 18.3 Information provided through the Platform is for the purpose described in the relevant service or product. Thamani does not warrant that all information or Platform features will be error-free or suitable for every user or purpose. 18.4 Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, wilful misconduct or any liability that cannot lawfully be excluded or limited. 18.5 Any additional liability provisions applicable to a specific product or transaction will be set out in the relevant agreement, subject to applicable law.

19.1 To the extent permitted by law, you may be responsible for losses, costs or claims directly caused by your material breach of these Terms, unlawful use of the Platform, fraud or infringement of another person's intellectual property rights. 19.2 Nothing in this section requires you to indemnify Thamani for Thamani's own breach of contract, negligence, fraud, wilful misconduct or any liability that cannot lawfully be transferred to you.

20.1 Neither party will be responsible for a delay or failure to perform an obligation to the extent that it results from an event beyond that party's reasonable control. Such events may include natural disasters, epidemics, civil unrest, war, government action, power or telecommunications failures, infrastructure disruption or widespread third-party system failures. 20.2 The affected party will take reasonable steps to mitigate the effects of the event and resume performance when reasonably practicable. 20.3 This section does not remove an obligation to make a payment that has already become due or excuse compliance with a legal requirement that cannot lawfully be suspended.

21.1 Thamani may update these Terms from time to time to reflect changes in its services, operations, technology, legal obligations or regulatory requirements. 21.2 The current version will be made available through the Platform with its effective date or last updated date. 21.3 Where a change is material, Thamani will provide notice where reasonably appropriate and legally required. 21.4 Where applicable law or the nature of a change requires your affirmative acceptance, Thamani will obtain that acceptance before applying the change to you. Continued use of the Platform will be treated as acceptance only where legally permissible and after appropriate notice has been provided.

22.1 You may stop using the Platform and, where available, request closure of your account, subject to any outstanding obligations or transactions. 22.2 Thamani may terminate or restrict your access where permitted by law, including where you materially breach these Terms or where continued access creates a legal, regulatory, security or other material risk. 22.3 Closing an account does not automatically cancel or terminate an existing investment, savings arrangement, Business Funding arrangement or other transaction. 22.4 Existing products and transactions continue to be governed by their applicable product terms and transaction documents unless those documents or applicable law provide otherwise. 22.5 Where an account or service is terminated, Thamani may retain relevant information and records to the extent permitted or required by law. 22.6 Provisions that by their nature should continue after termination, including accrued obligations, intellectual property provisions, applicable liability provisions, dispute resolution provisions and governing-law provisions, will continue to apply to the extent necessary.

23.1 If you have a complaint about the Platform or a service, you may contact Thamani through the contact channels published on the Platform. 23.2 Thamani will handle complaints in accordance with its applicable complaints process and any relevant legal or regulatory requirements. 23.3 The parties should make reasonable efforts to resolve disputes through good-faith discussions before commencing formal proceedings, where appropriate and legally permissible. 23.4 Where a dispute cannot be resolved informally, it may be referred to a competent court or another dispute resolution mechanism expressly provided in the applicable product or transaction agreement. 23.5 Nothing in this section removes a statutory right or prevents a party from taking a step required to protect its legal rights.

24.1 These Terms are governed by the laws of the Federal Republic of Nigeria. 24.2 Subject to applicable law and any valid dispute resolution provision in a separate product or transaction agreement, disputes arising from these Terms may be brought before a court of competent jurisdiction in Nigeria.

25.1 Severability: If any part of these Terms is found invalid or unenforceable, that part shall first be adjusted no more than necessary to make it valid, while staying as close as possible to what it originally meant. If it cannot be adjusted, it shall be removed, and the rest of these Terms remain in force. 25.2 No waiver: A failure or delay by Thamani in exercising a right under these Terms does not, by itself, amount to a waiver of that right. 25.3 Assignment: You may not transfer your rights or obligations under these Terms without Thamani's consent, except where permitted by law. Thamani may transfer or reorganise its rights or obligations as part of a lawful business restructuring or transfer, subject to applicable law and any required notice or consent. 25.4 No partnership or agency: Nothing in these Terms creates a partnership, joint venture, employment relationship or agency between you and Thamani unless a separate written agreement expressly establishes such a relationship. 25.5 Entire agreement for general Platform use: These Terms set out the general terms governing your access to and use of the Platform. They do not replace or override any separate product terms, transaction agreements or other documents governing a specific service or transaction.

For questions about these Terms or the Platform, please contact: Thamani Invest Limited Website: https://www.thamaniinvest.com/ Email: info@thamaniinvest.com Address: 21, Covenant Estate, Chief Yesufu Abiodun Road, Oniru, Victoria Island, Lagos State