Terms of Service

1. What RoarWEALTH is — and what it is not

RoarWEALTH is a personal wealth-tracking and planning tool. It lets you record, organise, value, and plan around the investments and assets you already hold — across the Nigerian Exchange (NGX) and elsewhere, in Naira and other currencies — together with retirement, goals, and income-forecasting features and an optional AI assistant.

RoarWEALTH is NOT a broker, dealer, custodian, portfolio manager, investment adviser, or financial adviser. We do not hold, receive, transfer, custody, or manage your money or securities; we do not execute trades; and we do not open or operate investment accounts on your behalf.

Nothing in the Service is financial, investment, legal, tax, or accounting advice, or a recommendation, solicitation, or offer to buy, sell, or hold any security or asset. All information, figures, projections, valuations, and AI-generated content are provided for informational and educational purposes only. Investment decisions carry risk, including loss of capital. You are solely responsible for your own decisions and should consult a licensed professional before acting.

2. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Service. By using RoarWEALTH you represent that you meet these requirements and that the information you provide is accurate. Where you create a sub-account or plan on behalf of another person (for example a spouse or child), you represent that you are authorised to input and manage that information.

3. Your account

Registration. You may register with an email and password or through Google sign-in. You agree to provide accurate information and to keep it current.

Security. You are responsible for safeguarding your login credentials and for all activity under your account. Notify us promptly at info@roarmedia.com.ng of any unauthorised use. The Service applies measures such as row-level access controls and automatic idle logout, but you remain responsible for protecting your own devices and credentials.

Household and shared accounts. The Service allows you to create multiple accounts (for yourself and household members) and to invite another user to view or edit a shared account. If you share access, you are responsible for the permissions you grant and for the actions of those you invite. Anyone you grant “editor” access can change data in that account.

4. Subscriptions, billing, and payments

Plans. RoarWEALTH is offered on a free tier and paid tiers (currently Plus and Premium) with different limits and features. Current pricing and inclusions are shown on our pricing page and may change as described below.

Payment processor. Paid subscriptions are billed through Paystack, our third-party payment processor. We do not collect or store your full card details; those are handled by Paystack under its own terms and security standards.

Trials. Where a free trial is offered, features may revert to the free tier at the end of the trial unless you subscribe. We may modify or withdraw trial offers at any time.

Renewals and cancellation. Paid plans are billed in advance on a recurring basis (monthly or annually) until cancelled. You may cancel at any time from your account settings; cancellation takes effect at the end of the current billing period, and you retain paid features until then. You will not be charged for subsequent periods after cancellation.

Refunds. Except where required by applicable law, payments are non-refundable and we do not provide refunds or credits for partial billing periods, downgrades, or unused features. We may, at our discretion, grant refunds in individual cases.

Price and tax changes. We may change prices, plans, or features. We will give reasonable notice of material changes, which take effect at your next renewal. Prices may exclude applicable taxes, which may be added where required. Diaspora customers may be billed in US Dollars.

5. AI features

The Service includes an optional AI assistant (the “AI Coach”) that generates insights, summaries, and answers based on the data in your account. AI output is produced by a third-party AI provider, is for educational purposes only, is not financial advice, and may be inaccurate, incomplete, or out of date. Do not rely on it as the sole basis for any decision. Your use of AI features may be subject to usage limits that vary by plan.

6. Market data and third-party information

Prices, valuations, dividends, exchange rates, and other market information may be entered by you manually or sourced from third-party providers, and may be delayed, end-of-day, estimated, or otherwise not real-time. We do not guarantee the accuracy, completeness, timeliness, or availability of any market data, and are not liable for decisions made in reliance on it. Market data is provided subject to the terms of the relevant data provider.

7. Your data and content

Ownership. As between you and us, the data you enter — your holdings, transactions, notes, and plans — remains yours. You can export it at any time.

Licence to operate the Service. You grant us a limited licence to host, process, store, transmit, and display your data solely to provide and improve the Service, including sending relevant data to our processors (such as our hosting, payment, email, and AI providers) as described in our Privacy Policy.

Accuracy. The Service reflects the information you enter. You are responsible for the accuracy and completeness of your inputs; outputs such as valuations, gains, income forecasts, and retirement projections depend entirely on them.

8. Acceptable use

You agree not to: (a) use the Service unlawfully or in breach of any regulation; (b) attempt to access another user’s data without authorisation; (c) probe, scan, reverse-engineer, or disrupt the Service or its security; (d) upload malicious code or overload our systems; (e) scrape or resell data or market information obtained through the Service; or (f) use the Service to provide regulated financial services to third parties without proper authorisation.

9. Intellectual property

The Service, including its software, design, branding, and content (excluding your data), is owned by the Company or its licensors and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal use in accordance with these Terms. “RoarWEALTH” and the RoarWEALTH marks may not be used without our written permission.

10. Third-party services

The Service relies on third parties including, among others, Supabase and Vercel (infrastructure and hosting), Paystack (payments), our transactional email provider, our AI provider, market-data providers, and Google (sign-in). Your use of those features may be subject to the third party’s own terms. We are not responsible for third-party services and do not control them.

11. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, secure, or that any figure, projection, or output will be accurate or achieve any particular result. We make no representation about investment performance or outcomes.

12. Limitation of liability

To the maximum extent permitted by law, the Company and its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, investment losses, data loss, or loss of goodwill, arising out of or relating to your use of (or inability to use) the Service, even if advised of the possibility. To the maximum extent permitted by law, our total aggregate liability for all claims relating to the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the claim, or (b) ₦20,000. Nothing in these Terms excludes liability that cannot be excluded under applicable law.

13. Indemnification

You agree to indemnify and hold harmless the Company and its personnel from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your misuse of the Service, your breach of these Terms, your violation of any law, or your infringement of any third-party right.

14. Suspension and termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or to protect the Service or other users. On termination, your right to use the Service ends; you may export your data before deletion, and we will handle any remaining data as described in the Privacy Policy. Provisions that by their nature should survive (including ownership, disclaimers, limitation of liability, and governing law) will survive.

15. Changes to the Service and to these Terms

We may modify or discontinue features at any time. We may also update these Terms; if we make material changes, we will provide reasonable notice (for example by email or in-app notice). Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

16. Governing law and disputes

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-laws principles. Subject to any mandatory consumer-protection rights available to you, the courts of Lagos State, Nigeria will have jurisdiction over any dispute, save that the parties may instead agree to resolve a dispute by arbitration in Lagos under applicable Nigerian arbitration rules. You agree to first contact us to seek a good-faith resolution before commencing formal proceedings.

17. General

These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays or failures caused by events beyond our reasonable control.

18. Contact

Questions about these Terms may be sent to Roar Media Ltd at info@roarmedia.com.ng.