By visiting and signing up on this site, you accept our terms and conditions of service.
Cowrywise is an automated savings and investment platform available online and through mobile applications.
You must be 18 or older to access our website or mobile applications.
By creating a User Account, you automatically sign up for various types of alerts via e-mail and mobile notification. We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails at any time.
Cowrywise cannot be held responsible for any financial insights or recommendations provided to users.
Your use of Cowrywise's website, and the personal information you provide is at your sole discretion. Cowrywise's website and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Cowrywise.
COWRYWISE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO COWRYWISE'S WEBSITE, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. COWRYWISE DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:
No advice or information, whether oral or written, obtained by you from Cowrywise's website, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.
IN NO EVENT SHALL COWRYWISE OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF COWRYWISE, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH COWRYWISE OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT COWRYWISE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL COWRYWISE'S CUMULATIVE LIABILITY TO YOU EXCEED NGN10,000.
Each of us can end this agreement at any time, subject to the maturity of all plans. We may terminate or suspend your access to Cowrywise, at any time with prior notice to you if your account is found to be fraudulent.
Cowrywise grants you a license to use our website and mobile applications so long as you comply with all our rules.
Cowrywise is only for use in Nigeria
Cowrywise is only available for use in Nigeria. We make no representation that Cowrywise is appropriate or available for use outside Nigeria. Similarly, we make no representations that accessing Cowrywise from locations outside Nigeria is legal or permissible by local law. If you access Cowrywise from areas outside of Nigeria, you do so at your own risk and are yourself responsible for compliance with local laws.
This Agreement takes priority over previous agreements
This Agreement is the entire agreement between you and us with respect to Cowrywise, and your use of our website and mobile app, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Investment recommendations are made to Clients on an individual basis and may differ based on specific circumstances.
You understand and agree that we act as an investment advisor for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf.
Your feedback is welcome and encouraged. You may submit feedback by emailing us at email@example.com. You agree, however, that (i) by submitting unsolicited ideas to Cowrywise or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Cowrywise. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Cowrywise together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.
This document constitutes Cowrywise's complete Terms of Service for Cowrywise and related services. If you have questions about these Terms of Services or about Cowrywise or content thereon, please contact Cowrywise at firstname.lastname@example.org
You can also contact Cowrywise by phone at +234 (0) 903 000 0857 or via physical mail at:
5C, Rev. Ogunbiyi Street
Ikeja GRA, Lagos,