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
You must be 18 or older to access our website or mobile applications.
2.2. Your Access
2.2. Alerts, Notifications and Service Communications
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
3.1. For a User who is not a Client
3.2. Disclaimer Warranties
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: 1. REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF COWRYWISE'S WEBSITE, CONTENT AND/OR USER INFORMATION;
2. THAT COWRYWISE'S WEBSITE WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;
3. THAT COWRYWISE'S WEBSITE WILL BE FREE FROM ELECTRONIC VIRUSES; OR
4. REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY COWRYWISE ON ITS WEBSITE INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.
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.
3.3. Limitation of Liability
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. You may
request termination of your User Account at any time and for any reason by sending an email
We may terminate or suspend your access to CowryWise, in our sole discretion, at any time for
any reason without notice to you. Further, if we believe, in our sole discretion, that a
from any other user) and you agree to provide us with such information.
If there is a legal dispute, it will take place in Federal High Courts under Nigerian Law. You
of the Federal Republic of Nigeria.
unenforceable, the remaining provisions will remain in full force and effect. The failure
waiver of such right or provision. You may not assign this Agreement (by operation of law
or otherwise) without the prior written consent of CowryWise, and any prohibited assignment
will be null and void.
CowryWise is only for use in Nigeria
8.1. 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
9.1. Integration & Severability
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.
9.2. Advice may differ
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.
9.3. Communication: Any notice or communication will be in writing by email
Feedback: We welcome your feedback!
Your feedback is welcome and encouraged. You may submit feedback by emailing us at firstname.lastname@example.org. 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.
9.5. Questions: If you have any questions
You can also contact CowryWise by phone at +234 (0) 903 000 0857or via physical mail at:
Plot 634, Adeyemo Alakija
Victoria Island, Lagos,