Atlanrise
Simple Plan. Daily Income. Better Future.

Terms and Conditions

Effective date: 16 June 2026 · Last updated: 16 June 2026

These Terms and Conditions (the “Terms”, “Agreement”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”, “User”, “Member”), and Atlanrise (“Atlanrise”, “the Company”, “we”, “us” or “our”), concerning your access to and use of the atlanrise.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Platform” or “Services”).

You agree that by accessing the Platform, you have read, understood, and agree to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE PLATFORM AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Platform from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of these Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms by your continued use of the Platform after the date such revised Terms are posted.

Acknowledgment, Eligibility and Acceptance of Risk

By creating an Account and using the Platform, you expressly confirm, acknowledge and agree that you are at least eighteen (18) years of age and have the legal capacity to enter into this Agreement; that you have read, understood and agree to be bound by these Terms, the Privacy Policy and the Disclaimer; that you participate in the Platform entirely at your own risk and that, to the fullest extent permitted by law, you alone bear the risk of any loss, including any loss arising if the Platform is characterised as, or operates as, a multi-level marketing, pyramid, Ponzi or fraudulent scheme, or otherwise fails or ceases to operate; and that no representation, warranty or guarantee of profit, income, or the return of any Deposit has been made to you by us or by any person acting on our behalf.

1. Definitions and Interpretation

In this Agreement, unless the context otherwise requires, the following expressions shall have the following meanings:

  • “Account” means the unique personal account registered by a User to access and use the Services.
  • “Balance” means the cumulative value of funds, earnings, bonuses and credits recorded against a User’s Account at any given time.
  • “Level” or “Plan” means a tier of participation on the Platform that a User activates by way of a Deposit, each carrying its own parameters for earnings, tasks, withdrawal scheduling and eligibility.
  • “Deposit” means any sum of money paid by a User into the Platform for the purpose of activating or upgrading a Level.
  • “Withdrawal” means a request by a User to receive funds standing to the credit of their Balance.
  • “Referral” means a new User who registers on the Platform using the referral code or link of an existing User.
  • “Content” means all text, graphics, images, music, software, audio, video, information and other materials made available through the Platform.
  • “Working Day” means any day other than a Saturday, Sunday or public holiday in the Federal Republic of Nigeria.

Words importing the singular include the plural and vice versa. Headings are for convenience only and shall not affect the construction or interpretation of these Terms. References to “including” shall be construed as “including without limitation”.

2. Eligibility

By using the Platform, you represent and warrant that: (a) you are at least eighteen (18) years of age; (b) you have the legal capacity to enter into a binding contract; (c) you are not a person barred from receiving the Services under the laws of the Federal Republic of Nigeria or any other applicable jurisdiction; (d) you will not access the Platform through automated or non-human means, whether through a bot, script or otherwise; (e) you will not use the Platform for any illegal or unauthorised purpose; and (f) your use of the Platform will not violate any applicable law or regulation.

If you are accessing the Platform on behalf of a corporate entity, you represent that you have the authority to bind that entity to these Terms, in which case “you” shall refer to that entity.

Eligibility is assessed on a continuing fit-and-proper basis, and the representations you make on registration are deemed to be repeated each time you access the Platform or initiate a transaction. If at any time you cease to meet any eligibility requirement, you must stop using the Platform and notify us. We may at any time require evidence that you continue to satisfy the eligibility criteria, and we may suspend or terminate your Account where we are not reasonably satisfied that you do.

3. Account Registration

To access certain features of the Platform you must register for an Account. When you register you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the registration form; and (b) maintain and promptly update such information to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right to suspend or terminate your Account and refuse any and all current or future use of the Platform.

You may not register more than one Account, nor may you register an Account on behalf of another individual without their express authorisation. Each Account is personal to the registered User and may not be sold, traded, gifted, leased, or otherwise transferred.

4. Account Security

You are responsible for maintaining the confidentiality of your password and Account credentials and for all activities that occur under your Account. You agree to: (a) immediately notify us of any unauthorised use of your Account or any other breach of security; and (b) ensure that you exit from your Account at the end of each session when accessing the Platform through a shared device. We cannot and will not be liable for any loss or damage arising from your failure to comply with this section. We strongly recommend the use of strong, unique passwords and the activation of any additional security features we may make available.

You are responsible for all instructions and activity carried out under your Account, whether or not authorised by you, save to the extent that any unauthorised activity results directly from our own proven failure to maintain reasonable security. You must not disclose your credentials to any other person, permit any other person to access your Account, or use the credentials of any other User. We may require you to change your password or to complete additional authentication steps where we reasonably consider it necessary to protect your Account or the Platform.

5. Identity Verification and Know-Your-Customer (KYC)

We may, at our discretion or where required by applicable law, request documentation or information to verify your identity, address, source of funds, or the ownership of any payment instrument used on the Platform. You agree to provide such information promptly upon request. We reserve the right to suspend or limit access to your Account, to freeze your Balance, and to withhold any Withdrawal pending the satisfactory completion of identity verification. We may decline to provide Services to any person who fails or refuses to complete verification to our reasonable satisfaction.

6. Deposits and Activation of Levels

In order to participate in the earning features of the Platform, you must activate a Level by making a Deposit through one of the payment channels made available on the Platform. The amount required to activate each Level, the corresponding daily earning parameters, the number of tasks per day, the applicable withdrawal day, and any minimum referral requirement are displayed on the Platform and may be amended by us from time to time.

Deposits are processed through third-party payment service providers. By initiating a Deposit you authorise us and our payment partners to process the relevant transaction. A Deposit is only considered complete once the corresponding funds have been confirmed as received and reconciled against your Account. Until such confirmation, the relevant transaction shall be marked as pending. We are not responsible for delays caused by payment providers, banks, or network operators.

You acknowledge that activation of a higher Level may be subject to your having first activated the immediately preceding Level, and that Level progression follows the sequence published on the Platform. We reserve the right to decline, reverse, or refund any Deposit that we reasonably believe to be fraudulent, erroneous, made in breach of these Terms, or originating from an illegitimate source.

We may make available a range of payment channels for Deposits, and the channels available to you may vary according to your location, your Account status and the operational arrangements in force at the relevant time. You are responsible for ensuring that any Deposit is made from a payment instrument that you own or are authorised to use, that the details you provide are accurate, and that you retain any reference or confirmation we ask you to quote. Where a Deposit is made using an incorrect reference, or from an instrument that does not match your Account, reconciliation may be delayed or may not be possible, and we shall not be liable for any resulting delay or loss.

7. Earnings, Tasks and Daily Activity

Following activation of a Level, you may become eligible to earn daily credits subject to the parameters of that Level and to your completion of the daily tasks and activities specified on the Platform. Earnings are credited to your Balance in accordance with the schedules and rules published on the Platform and may be contingent upon factors including, without limitation, daily login, completion of assigned tasks, the maintenance of an active Level, and compliance with these Terms.

We make no representation, warranty or guarantee that any particular level of earnings will be achieved. All earning figures displayed on the Platform are indicative of the parameters of a given Level and are not a promise of profit or income. Your actual results depend on your own activity and on the continued operation of the Platform. Earnings may be adjusted, paused, recalculated, or reversed where they have been credited in error or in connection with conduct that breaches these Terms.

8. Referral Programme

The Platform may offer a referral programme under which you may earn a bonus when a person you refer registers and meets the qualifying conditions published on the Platform, which may include the activation of a Level by the referred person and the validation of the referral. Referral bonuses are credited at our discretion and in accordance with the rules in force at the relevant time. Self-referrals, the creation of fictitious accounts, the use of incentivised or misleading promotion, and any other manipulation of the referral programme are strictly prohibited and may result in the forfeiture of bonuses and the suspension of your Account. We reserve the right to determine, in our sole and reasonable discretion, whether a referral is valid.

Referral bonuses, where offered, are calculated and credited in accordance with the rules published on the Platform at the relevant time, and we may cap, tier or otherwise structure such bonuses as we see fit. A referral that is later found to be invalid, fraudulent or in breach of these Terms may be reversed at any time, and any bonus credited in respect of it may be reclaimed or set off against your Balance. You are responsible for ensuring that any promotion of your referral code or link is truthful, lawful and not misleading, and that it does not imply any guarantee of earnings.

9. Bonuses, Promotions and Events

From time to time we may offer bonuses, promotions, login rewards, streak rewards, milestone rewards, or time-limited events, each of which may be subject to additional terms published at the time of the offer. Such bonuses are granted at our discretion, may be varied or withdrawn at any time, are non-transferable, and carry no cash-equivalent right unless expressly stated. We reserve the right to withhold, reverse or reclaim any bonus that has been obtained through error, abuse, or breach of these Terms.

10. Wallet, Balances and Currency

Your Balance represents a record of amounts attributable to your Account and does not constitute a bank deposit, electronic money, or any form of regulated financial instrument. We do not pay interest on Balances. All amounts are denominated in Nigerian Naira (₦) unless otherwise stated. We reserve the right to correct any Balance that has been credited or debited in error, and to make any adjustment necessary to reflect the true position of your Account.

Your Balance is a record maintained by us of amounts attributable to your Account; it is not a deposit held with a bank, is not electronic money, and is not protected by any deposit-guarantee or investor-compensation scheme. We do not hold your Balance on trust for you unless we expressly state otherwise in writing, and no interest accrues on any Balance. In the event of any inconsistency between your displayed Balance and our underlying records, our underlying records shall prevail in the absence of manifest error.

11. Withdrawals

You may request a Withdrawal of eligible funds standing to the credit of your Balance, subject to the conditions published on the Platform, which may include, without limitation: (a) the designated withdrawal day applicable to your Level; (b) a permitted withdrawal time window; (c) a minimum interval between successive Withdrawals; (d) a minimum number of validated Referrals; (e) a weekly or per-cycle withdrawal limit; and (f) the deduction of any applicable processing fee. Withdrawal requests are subject to review and, where applicable, to manual approval. We may request additional verification before approving any Withdrawal.

Upon submission of a valid Withdrawal request, the corresponding amount may be placed on hold and debited from your available Balance pending processing. If a Withdrawal request is rejected, the held amount will ordinarily be returned to your Balance, less any irrecoverable third-party charges. We aim to process approved Withdrawals within a reasonable period but do not guarantee any specific settlement time, as timing may depend on banks, payment processors and other third parties outside our control.

For the avoidance of doubt, the satisfaction of any eligibility condition published on the Platform — including any minimum number of validated Referrals, any minimum interval between Withdrawals, and any applicable weekly or per-cycle limit — is a precondition to the processing of a Withdrawal, and a Withdrawal request that does not satisfy the applicable conditions may be declined or deferred. We may, acting reasonably, apply additional checks to any Withdrawal that is unusual in size, frequency or pattern, and we may require you to complete identity verification before any such Withdrawal is released.

12. Fees and Charges

We may charge fees in connection with certain transactions, including Withdrawals, as published on the Platform. You are responsible for all fees, charges and costs associated with your use of the Services, including any charges levied by your bank, card issuer, mobile money provider or network operator. We reserve the right to introduce, amend or remove fees at any time on reasonable notice.

13. Taxes

You are solely responsible for determining what, if any, taxes apply to the amounts you earn, deposit or withdraw through the Platform, and for collecting, reporting and remitting the correct taxes to the appropriate tax authorities. We are not responsible for determining whether taxes apply to your transactions, or for collecting, reporting or remitting any taxes arising from any transaction, save where we are required to do so by applicable law.

14. Payment Processing and Third-Party Providers

Deposits and certain Withdrawals are facilitated by third-party payment service providers and financial institutions. Your use of those services may be subject to separate terms and conditions and privacy policies imposed by the relevant provider. We are not responsible for the acts or omissions of any third-party payment provider, and we do not store full card numbers or complete payment credentials on our own systems beyond what is necessary to operate the Services. You agree to comply with the terms of any payment provider you use in connection with the Platform.

15. Prohibited Activities

You may not access or use the Platform for any purpose other than that for which we make it available. As a User, you agree not to:

  • Systematically retrieve data or other content from the Platform to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from us;
  • Make any unauthorised use of the Platform, including collecting usernames and/or email addresses of users by electronic or other means;
  • Circumvent, disable or otherwise interfere with security-related features of the Platform;
  • Engage in any automated use of the system, such as using scripts to send messages, or using any data mining, robots or similar data gathering and extraction tools;
  • Create or operate more than one Account, or create an Account by automated means or under false or fraudulent pretences;
  • Attempt to impersonate another user or person, or use the username of another user;
  • Use the Platform to defraud, mislead, or harm us, other users, or any third party, or in furtherance of money laundering, terrorist financing, or any other unlawful activity;
  • Upload or transmit viruses, Trojan horses, or other material that interferes with any party’s uninterrupted use and enjoyment of the Platform;
  • Decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Platform;
  • Harass, intimidate, or threaten any of our employees, agents, or other users;
  • Use the Platform in a manner inconsistent with any applicable laws or regulations.

The list of prohibited activities set out above is illustrative and not exhaustive. We may, acting reasonably, treat any conduct that is designed to obtain an unfair advantage, to circumvent the rules of the Platform, to manipulate earnings, tasks, bonuses or referrals, or to disguise the true identity or intent of a User, as a breach of these Terms, whether or not that specific conduct is expressly described. Where we are uncertain whether particular conduct is permitted, you should seek our prior written confirmation rather than assume that it is allowed.

16. Multiple Accounts, Fraud and Abuse

We operate automated and manual controls designed to detect the operation of multiple Accounts, collusion, self-referral, payment fraud, and other abusive conduct. Where we reasonably determine that such conduct has occurred, we may, without prior notice: suspend or terminate any affected Account; reverse, withhold or forfeit any earnings, bonuses or Balance attributable to the conduct; and report the matter to the relevant authorities. Our determination in such matters shall be final, subject to the dispute resolution provisions below.

17. Suspension and Termination

We may, in our sole discretion and without notice or liability, deny access to and use of the Platform (including blocking certain IP addresses) to any person for any reason, including for breach of any representation, warranty or covenant contained in these Terms or of any applicable law or regulation. We may terminate your use or participation in the Platform or delete your Account and any content or information that you posted at any time, without warning, in our sole discretion.

If we terminate or suspend your Account for any breach of these Terms, you are prohibited from registering and creating a new Account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.

Termination or suspension of your Account does not, of itself, entitle you to any refund, and any amounts forfeited as a consequence of a breach of these Terms are forfeited in addition to, and not in substitution for, any other remedy available to us. Following termination, we may retain and continue to process such of your information as we are required or permitted to retain under our Privacy Policy and applicable law. Sections of these Terms that are intended to survive termination shall continue to bind you notwithstanding the closure of your Account.

18. Intellectual Property Rights

Unless otherwise indicated, the Platform is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Platform (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights. The Content and the Marks are provided on the Platform “AS IS” for your information and personal use only. Except as expressly provided in these Terms, no part of the Platform and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

19. User-Generated Contributions and Licence

The Platform may invite you to chat, contribute to, or participate in messaging, feedback, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, or broadcast content and materials to us or on the Platform. By submitting any such contribution, you grant us an unrestricted, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully paid, worldwide right and licence to host, use, copy, reproduce, disclose, sell, publish, broadcast and otherwise exploit such contributions for any purpose. You represent and warrant that you own or otherwise control all of the rights to the contributions you submit and that the contributions do not infringe the proprietary rights of any third party.

20. Third-Party Websites and Content

The Platform may contain links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, and other content belonging to or originating from third parties. Such Third-Party Websites and Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Platform or any Content posted on, available through, or installed from such websites. Inclusion of, linking to, or permitting the use of any Third-Party Website does not imply approval or endorsement thereof by us.

21. Platform Management, Availability and Modifications

We reserve the right, but not the obligation, to: (a) monitor the Platform for violations of these Terms; (b) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms; (c) refuse, restrict access to, limit the availability of, or disable any of your contributions; and (d) otherwise manage the Platform in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services.

We cannot guarantee that the Platform will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Platform, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Platform at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Platform during any downtime or discontinuance.

22. Disclaimer of Warranties

THE PLATFORM IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. YOU AGREE THAT YOUR USE OF THE PLATFORM AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE PLATFORM AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE PLATFORM’S CONTENT AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR INACCURACIES OF CONTENT, OR FOR ANY UNAUTHORISED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY PERSONAL INFORMATION STORED THEREIN.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence or for fraud or fraudulent misrepresentation. Subject to that, the disclaimers and exclusions in this section apply to the maximum extent permitted by law and operate for the benefit of us, our affiliates, and our and their respective directors, officers, employees, agents and contractors.

23. Limitation of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE THREE (3) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.

24. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable legal fees and expenses, made by any third party due to or arising out of: (a) your use of the Platform; (b) your breach of these Terms; (c) any breach of your representations and warranties set forth in these Terms; (d) your violation of the rights of a third party, including but not limited to intellectual property rights; or (e) any overt harmful act toward any other user of the Platform with whom you connected via the Platform.

The indemnities given by you under these Terms are continuing obligations, are independent of your other obligations, and survive the termination of these Terms. They apply regardless of any investigation made by or on behalf of us, and are in addition to, and not in substitution for, any other right or remedy we may have. We will notify you of any claim in respect of which we intend to seek indemnification and will, where reasonably practicable, allow you to participate in the defence of such claim, provided that we retain control of the defence and any settlement.

25. Dispute Resolution

In the event of any dispute, claim or controversy arising out of or relating to these Terms or the Services, the parties shall first attempt in good faith to resolve the matter amicably through negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, the parties agree to submit the dispute to mediation, and failing resolution by mediation, to arbitration in accordance with the Arbitration and Mediation Act of the Federal Republic of Nigeria. The seat of arbitration shall be Lagos, Nigeria, and the language of the arbitration shall be English. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief from a court of competent jurisdiction to protect its intellectual property or confidential information.

26. Governing Law and Jurisdiction

These Terms and your use of the Platform are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles. Subject to the dispute resolution provisions above, you agree to submit to the exclusive jurisdiction of the courts of Nigeria for the purpose of litigating any dispute.

The choice of Nigerian law and jurisdiction is made for the efficient and consistent administration of these Terms and does not deprive you of the protection of any mandatory provision of the law of your place of residence that cannot lawfully be derogated from by agreement. Where any such mandatory provision applies, it shall apply to the minimum extent necessary, and the remaining provisions of these Terms shall continue in full force and effect.

27. Force Majeure

We shall not be liable for any failure or delay in the performance of our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, natural disasters, epidemics or pandemics, war, terrorism, riots, civil unrest, governmental action, power or telecommunications failure, failure of banking or payment infrastructure, or interruption or failure of the internet.

28. Electronic Communications and Notices

Visiting the Platform, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Platform, satisfy any legal requirement that such communication be in writing. Notices to us must be sent to the contact details set out below.

29. Assignment

We may assign, transfer or sub-contract any of our rights or obligations under these Terms to any third party at our discretion. You may not assign, transfer or sub-contract any of your rights or obligations under these Terms without our prior written consent.

Any assignment, transfer, charge or other dealing by you with your Account, your Balance, or any right or obligation under these Terms, in breach of this section, is void. Our rights to assign, transfer or sub-contract are intended to permit the orderly operation and potential reorganisation of our business, and we will ensure that any assignee or transferee is bound by obligations no less protective of you than those set out in these Terms and our Privacy Policy.

30. Severability

If any provision or part-provision of these Terms is or becomes invalid, illegal or unenforceable, it shall be deemed modified to the minimum extent necessary to make it valid, legal and enforceable. If such modification is not possible, the relevant provision or part-provision shall be deemed deleted. Any modification to or deletion of a provision under this clause shall not affect the validity and enforceability of the rest of these Terms.

31. Waiver

No failure or delay by us in exercising any right or remedy provided under these Terms or by law shall constitute a waiver of that or any other right or remedy, nor shall it preclude or restrict the further exercise of that or any other right or remedy. No single or partial exercise of such right or remedy shall preclude or restrict the further exercise of that or any other right or remedy.

32. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer and any other legal notices and policies published by us on the Platform, constitute the entire agreement between you and us in relation to your use of the Platform and supersede all prior agreements, understandings and arrangements between us, whether written or oral, in respect of such use.

33. Anti-Money Laundering and Counter-Terrorism Financing

We are committed to the prevention of money laundering and the financing of terrorism, and we operate controls designed to comply with the applicable laws of the Federal Republic of Nigeria, including the Money Laundering (Prevention and Prohibition) Act and the Terrorism (Prevention and Prohibition) Act, together with any regulations and guidance issued thereunder. You agree that you will not use the Platform to launder the proceeds of crime, to finance terrorism, or to receive, hold or transfer funds derived from or destined for any unlawful activity.

We may monitor transactions, request information or documentation regarding the source or intended destination of funds, place a hold on an Account or Balance, decline, suspend or reverse a transaction, freeze a Balance pending investigation, and report suspicious activity to the relevant authorities, in each case without prior notice to you and without liability where we act in good faith and on reasonable grounds. You agree to cooperate fully and promptly with any such enquiry, and you acknowledge that a failure to do so may result in the suspension or termination of your Account.

34. Economic Sanctions and Restricted Persons

You represent and warrant that you are not, and are not acting directly or indirectly on behalf of, any person who is the target of economic or trade sanctions, who is named on any applicable sanctions, watch or restricted-party list, or who is located in, or ordinarily resident in, a jurisdiction that is subject to comprehensive sanctions. We may refuse to provide, may suspend, or may withdraw the Services to or from any person where we reasonably believe that doing so is necessary or appropriate to comply with sanctions or any other applicable law. Any breach of this section constitutes a material breach of these Terms.

35. No Financial, Investment or Tax Advice

Nothing on the Platform constitutes, or is intended to constitute, financial advice, investment advice, trading advice, legal advice, accounting advice or tax advice, nor a recommendation, solicitation or inducement to enter into any transaction or to commit any funds. The parameters, figures, rates and features presented on the Platform are operational descriptions only and are not a forecast of, or a promise as to, any result. You are responsible for obtaining your own independent professional advice before committing any funds and for satisfying yourself that participation is suitable, appropriate and lawful for you. We do not act as your adviser, fiduciary or trustee and owe you no advisory or fiduciary duty.

36. General Risk Disclosure

You acknowledge that committing funds to the Platform involves risk, including, without limitation, the risk of delayed, reduced or non-payment of earnings or Withdrawals; the risk of suspension, modification or discontinuation of the Platform or any Level; the risk of regulatory, banking or payment-infrastructure action affecting the Platform; the risk of technical failure or security incident; and the risk of partial or total loss of the amounts you commit.

Earnings, where available, depend on a range of factors, many of which are outside your or our control, and any historical, projected or illustrative figures are not a guarantee of future outcomes. You should commit only such funds as you are able to lose without adversely affecting your financial wellbeing. By continuing to use the Platform, you confirm that you understand and voluntarily accept these risks.

37. Account Inactivity and Dormancy

We may classify an Account as inactive or dormant where there has been no login or qualifying activity for a continuous period that we specify from time to time. We may, on reasonable notice where practicable, restrict, suspend or close a dormant Account and may apply administrative treatment to any residual Balance in accordance with applicable law. You can ordinarily prevent your Account from becoming dormant by logging in and maintaining activity in accordance with the rules published on the Platform.

38. Refunds, Reversals and Chargebacks

Except where required by applicable law or expressly stated on the Platform, Deposits are not refundable once a Level has been activated. Where a refund or reversal is made, it may be made net of any irrecoverable third-party charges and net of any earnings, bonuses or amounts that have been credited in connection with the relevant Deposit.

You agree not to initiate a chargeback, payment dispute or reversal in respect of a legitimate transaction. Where you initiate a chargeback or dispute in bad faith or in breach of these Terms, we reserve the right to suspend or terminate your Account, to recover the disputed amount together with any associated costs and fees, and to set off such amounts against your Balance or any future amounts payable to you.

39. Complaints Handling Procedure

If you are dissatisfied with any aspect of the Services, you may submit a complaint through the contact channels published on the Platform. We will acknowledge your complaint, investigate it in good faith, and provide a substantive response within a reasonable period. To enable us to investigate efficiently, you agree to provide all information that we reasonably require, including your Account details and a clear description of the issue and the outcome you seek. Following our final response, the dispute-resolution provisions of these Terms shall apply to any matter that remains unresolved.

40. Data Protection and Privacy

Our collection, use, disclosure and retention of Personal Information in connection with the Services is described in our Privacy Policy, which forms part of these Terms. By using the Platform you acknowledge that you have read and understood the Privacy Policy. You are responsible for ensuring that any information you provide to us is accurate and current, and that you have any necessary rights, authority or consents in respect of information relating to other persons that you supply to us.

41. Marketing and Electronic Communications

By registering an Account, you agree that we may send you service, security and transactional messages that are necessary for the operation of the Services. We may also send you promotional communications where permitted by applicable law, and you may opt out of such promotional communications at any time without affecting your receipt of essential messages. You consent to receive communications electronically and agree that all such communications satisfy any legal requirement that a communication be in writing.

42. Changes to Levels, Parameters and the Services

We reserve the right to introduce, vary, suspend, recalculate or discontinue any Level, earning parameter, daily task, bonus, referral arrangement, fee, schedule, limit or other feature of the Platform at any time, acting reasonably and in accordance with applicable law. Where any such change materially and adversely affects you, we will use reasonable efforts to provide notice through the Platform. Your continued use of the Platform after a change takes effect constitutes your acceptance of that change.

43. Trial, Beta and Promotional Features

From time to time we may make available features that are designated as trial, beta, pilot or promotional. Such features are provided on an “as-is” and “as-available” basis, may be incomplete, may not have been fully tested, and may be modified or withdrawn at any time without liability. Additional terms may apply to such features and, in the event of a conflict between those additional terms and these Terms, the additional terms shall prevail in respect of the relevant feature.

44. Relationship of the Parties

Nothing in these Terms is intended to, or shall be deemed to, establish any partnership, joint venture, agency, fiduciary or employment relationship between you and us. Neither party has the authority to act in the name of or on behalf of, or otherwise to bind, the other in any way. You participate on the Platform as an independent user acting on your own account and for your own benefit and risk.

45. Cumulative Remedies and Set-Off

The rights and remedies provided under these Terms are cumulative and are in addition to, and not exclusive of, any rights or remedies provided by law. We may at any time, and without prior notice where we reasonably consider it necessary to prevent loss or to recover amounts properly due, set off any amount owing to us by you against any amount standing to the credit of your Balance or otherwise payable by us to you.

46. No Third-Party Rights

Save as expressly provided in these Terms, a person who is not a party to these Terms has no right to enforce any of their provisions. These Terms do not confer any benefit on, and are not enforceable by, any third party, except that our affiliates and our and their respective directors, officers, employees and agents may rely on the exclusions and limitations of liability set out in these Terms.

47. Records, Logs and Evidence

You agree that our records, logs and data — including transaction records, activity and login logs, device data and communications — shall, in the absence of manifest error, constitute sufficient and conclusive evidence of the facts they record in connection with any matter or dispute relating to the Services. You agree not to object to the admissibility of such records on the basis that they are electronic records or are produced or maintained by a computer system.

48. Language

These Terms are drawn up in the English language. Where we provide a translation of these Terms or of any communication for convenience, the English-language version shall prevail in the event of any conflict or inconsistency. All communications and notices made or given pursuant to these Terms shall be in the English language.

49. Survival

Any provision of these Terms that by its nature is intended to survive termination — including, without limitation, the provisions relating to intellectual property, prohibited activities, fraud and abuse, disclaimers of warranties, limitation of liability, indemnification, set-off, records and evidence, dispute resolution and governing law — shall survive the termination or expiry of these Terms and the closure of your Account.

50. Cooling-Off and Withdrawal of Consent

Where a statutory right of withdrawal or cooling-off applies to you under applicable law, we will honour that right in accordance with the law. You acknowledge that, save where such a right applies, the activation of a Level and the commencement of the related Services is treated as performance to which you have expressly consented, and that this may affect the availability of any cooling-off right. You may withdraw any consent on which our Processing of your Personal Information relies, as described in our Privacy Policy, without affecting the lawfulness of Processing carried out before the withdrawal.

51. Accessibility

We aim to make the Platform reasonably accessible and to improve its usability over time. If you experience difficulty accessing any part of the Platform, please contact us so that we can endeavour to provide the relevant information or functionality through an alternative means where reasonably practicable.

52. Feedback and Suggestions

If you choose to provide us with feedback, suggestions, ideas or other input regarding the Platform, you agree that we may use, disclose, reproduce, modify and exploit such feedback without restriction and without any obligation to compensate you, and that the feedback is provided to us on a non-confidential and non-proprietary basis. You represent and warrant that you are entitled to provide such feedback and that it does not infringe the rights of any third party.

53. Communications, Service Channels and Verified Contact

We will communicate with you through the Platform, by email, and through any other channel that we designate as official from time to time. We will never ask you to disclose your password, one-time codes or full payment credentials, and we will never ask you to make a payment to any personal account that is not published through an official channel on the Platform. You should treat any communication that does not originate from an official channel, or that asks for such information, as suspicious, and you should verify it with us before acting on it. We are not responsible for any loss arising from your reliance on a communication that did not originate from us.

54. Promotional Codes, Vouchers and Reward Credits

From time to time we may issue promotional codes, vouchers or reward credits subject to terms that we publish at the time of issue. Such codes and credits are personal to the recipient, are non-transferable, carry no cash-equivalent value unless expressly stated, may be subject to expiry, and may be varied, suspended or withdrawn by us at any time. We reserve the right to withhold, reverse or reclaim any benefit obtained through the misuse, duplication, sale or fraudulent use of a code, voucher or credit.

55. Tax Withholding and Statutory Deductions

Where we are required by applicable law to withhold or deduct any tax, levy or charge from any amount payable to you, we may make that withholding or deduction and account for it to the relevant authority, and the amount payable to you shall be reduced accordingly. We may request information or documentation from you that we reasonably require in order to determine our withholding obligations, and you agree to provide it promptly. You remain responsible for your own tax affairs as set out elsewhere in these Terms.

56. Currency, Rounding and Conversion

All amounts on the Platform are denominated in Nigerian Naira (₦) unless otherwise stated. Where any calculation produces a fraction of the smallest denomination, we may round the amount in accordance with our standard practice. Where any conversion between currencies is necessary, it will be performed using a rate that we reasonably determine, and you acknowledge that the applicable rate may differ from rates published elsewhere and may include a margin.

57. Security and Responsible Disclosure

We welcome the responsible disclosure of security vulnerabilities. If you believe you have identified a vulnerability affecting the Platform, you agree to report it to us promptly and confidentially through our official contact channels, to refrain from exploiting it, from accessing or modifying data that does not belong to you, and from disrupting the Services, and to give us a reasonable opportunity to investigate and remediate before any public disclosure. Activity that goes beyond good-faith testing, or that causes harm to the Platform or to other Users, is not authorised and may constitute a breach of these Terms and of applicable law.

58. Suspension of Withdrawals in Exceptional Circumstances

We may, acting reasonably and in good faith, suspend or defer the processing of Withdrawals generally or in respect of a particular Account where this is necessary to investigate suspected fraud or abuse, to comply with a legal or regulatory obligation or request, to respond to a security incident, to address a failure of banking or payment infrastructure, or to protect the integrity of the Platform or the interests of Users. We will lift any such suspension as soon as the circumstances giving rise to it have been resolved, and we will provide such information as we are reasonably able to provide in the circumstances.

59. Contact Us

In order to resolve a complaint regarding the Platform or to receive further information regarding use of the Platform, please contact us at: support@atlanrise.com or via the contact channels published on atlanrise.com.

By continuing to access or use the Platform you acknowledge that you have read, understood and agree to be bound by these Terms and Conditions in their entirety.

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