These Terms of Use (these "Terms") are a deal between you and Furstsalvo Nigeria Limiteded. (‘Salvo.ng') which include the terms and conditions governing your use and access to our website at https:/www.salvo.ng.com and all associated websites owned and operated by us (collectively the' Website') and our goods, services and applications (collectively the' Services' website). "You" and "your" means the person using the Services or accessing them. "We," "us," and "our" mean Salvo.ng and their descendants, associates, and designated leaders. "Salvo.ng Password" is the password you have with us for the Services as used in these Terms.

These Terms and our Privacy Policy are subject to your use of and access to the Services at all times. Please read carefully these Terms and our Privacy Policy. By using or using the Services, you reflect that you have read these Terms and our Privacy Policy and agree to be bound by these Terms and our Privacy Policy. If you disagree with all of these Terms and Conditions and our Privacy Policy, do not use or access the Services.

THESE TERMS INCLUDE, AMONG OTHER THINGS, YOUR AUTHORIZATION FOR DEBITS AND CREDITS FROM AND TO YOUR BANK ACCOUNT (AS DEFINED BELOW) VIA THE AUTOMATED CLEARING HOUSE NETWORK (' ACH ') AND BINDING ARBITRATION PROVISION CONTAINING A CLASSS WAIVER ACTION

Your Consent. To the extent allowed by applicable law, you agree to the use of digital signatures and to receive electronically all documents, notes, reports, correspondence and other things for all services provided to you under these Terms and in connection with your relationship with us (collectively, "Correspondence") that we may otherwise be required to send or provide in paper form (e.g. by mail). Through electronically accepting and subscribing to these Terms, you reflect that: (1) you have read and understood this consent to use electronic signatures and receive electronic communications; (2) you have met the minimum hardware and software requirements set out below; and you have received electronic communications and (3) Your consent shall remain valid until you revoke your consent as set out below.

You have the right to withdraw your consent. Unless you revoke it, your permission to obtain electronic communications will remain in effect. By contacting us at 09029991354 or hello@salvo.ng, you may withdraw your permission to receive further communications electronically at any time. If you withdraw your consent to receive Communications electronically, we will close your Salvo.ng Account and return the balance in your Salvo.ng Account to your Bank Account as set out in these Terms and you will no longer be able to use your Salvo.ng Account or Services except as expressly provided in these Terms. Any withdrawal of your e-communication consent will only take effect after we have a fair time to process your withdrawal. Please note that withdrawal of your consent to obtain electronic communications will not extend to electronic communications given to you by us before your consent withdrawal becomes effective.

You should maintain current details about your contact with us. To ensure we can provide you with electronic communications, you must notify us of any changes to your email address and mobile device number or other text message address by updating your website profile.

Communication models. You must print and save a copy of all correspondence we deliver to you electronically and/or archive it electronically.

Specifications for hardware and software. You must have: (1) a valid email address; (2) a computer or other mobile device (such as a tablet or smartphone) operating on a platform such as Windows or Mac; (3) an Internet connection; (4) a current version of Internet Explorer 8 (or higher), Mozilla Firefox 7.0, Safari 5, or Chrome 15; (5) a current version of Internet Explorer 8 (or higher), or Chrome 15; (6) a current version of a program that reads and displays PDF files correctly, such as Adobe Acrobat Reader version 7 or higher; (6) a computer or phone and an operating system capable of supporting all of the above; and (7) a printer for printing and storing paper or electronic communications space to maintain electronic communication. "Recent Edition" means a software version that its distributor currently supports.

Right to make Changes. We reserve the right to communicate with you in paper form, at our sole discretion. Therefore, we reserve the right, at our sole discretion, to discontinue the provision of electronic communications or to terminate or change the terms and conditions under which electronic communications are given. We will notify you of any such termination or modification, except as otherwise required by applicable law, by updating these Terms on the Website or notifying you of such termination or modification electronically.

In order to use our Services, you must: (a) accept and adhere to these Terms and our Privacy Policy; (b) register with us on the Website; (c) be a citizen of Nigeria (or a legal resident of Nigeria) at least 18 years of age (or older if you are resident in a state of higher legal age); (d) have a bank account with a financial institution of Nigeria; and (e) provide all information requested by Us For example, your name, email address, mobile device number, online bank account credentials and any other data we can demand from time to time (collectively, "User Data"). You reflect and warrant that all user information you send to us from time to time is real, correct, up-to-date and complete, and consent not to misrepresent your identity or user information. You consent to inform us promptly of changes to your User Information by updating your Salvo.ng profile on our website or app. Moreover, provided you have to notify us at least three business days prior to any changes to your bank account information, including, but not limited to, the closure of your bank account for any reason by calling 09029991354or emailing hello@salvo.ng or updating your Salvo.ng account via the website. When we accept your request, subject to these Terms, you will be allowed to use the Services

You hereby allow us to collect, validate and record data and documentation that helps us verify your identity and bank account details for our enforcement purposes and to provide you with the Services, directly or through a third party. Once you register for the Services and from time to time afterwards, we may allow you to provide and/or verify details and documentation that will help us to recognize you, such as:

• A copy of your government-issued photo ID, such as a passport or driver's license;
• A copy of a utility bill, bank statement, affidavit or other invoice, dated within three months of our application, with your name and Nigerian street address on it; and
• Some additional information and documents we may need from time to time.

By using the Services and supplying us with User Information, you automatically allow us to obtain information about you and your bank account from the financial institution holding your bank account and other third-party websites and databases as required, directly or indirectly, through our third-party service providers. You hereby grant Salvo.ng and our third party service providers a restricted power of attorney for the purposes of such authorisation, As your true and lawful attorney-in-fact and agent, with full power of substitution and replacement, for you and in your name, position and location, in all and all capacities, to access third-party websites, databases and documents; to retrieve information; and to use your User Information, all as mentioned above, with full power and authority to do and perform any and all actions and activities needed by you. YOU ACKNOWLEDGE AND AGREE THAT WHENEVER SALVO.NG OR OUR THIRD-PARTY SERVICE PROVIDERS ACCESS AND RETRIEVE INFORMATION FROM SUCH THIRD-PARTY WEBSITES, SALVO.NG AND OUR THIRD-PARTY SERVICE PROVIDERS ARE ACTING ON YOUR BEHALF AS YOUR AGENT AND NOT THE AGENT OR OF THE THIRD PARTY. You acknowledge that other third parties shall have the right to depend on the above approval, the company and the power of attorney provided. You understand and agree that any third-party account providers accessible through the Services do not support or fund the Services. We make no effort to review the information obtained from your bank account's financial institution. And other websites and directories of third parties for any reason, including, but not limited to, reliability, legality and non-infringement. Salvo.ng owns your confidential User Information as between Salvo.ng and our third-party service providers.

You provide us with data subject to our Privacy Policy.

The purpose of the Service is to try to help you save money with minimal effort. We are debiting your debit card (the sum that you specify upon set up). You can inquire for your money at any time after the savings cycle is completed and your funds are automatically moved into your e-wallet account from where it will be transferred to the bank account specified by you. For your gain, the funds in your salvo.ng account will be deposited with a CBN regulated partner banking institution.

You shall earn an interest rate of 13% per annum rate on all your savings using the salvo.ng savings platform provide your complete the pre-set up target savings platform. You incur an early termination fee of 2.5% of your balance in your Salvo.ng e-wallet account at the point of premature liquidation.

Your funds (principal and Interest) will remain in your e-wallet Account until you either initiate a withdrawal of your funds from your e-wallet Account to your Bank Account n any commercial bank or use the funds to pay for and fund new savings cycle of your choice.

It is important to know the amount of available funds in your e-wallet Account before us to transfer funds from your Salvo.ng, e-wallet account to your Bank Account. If you do not have sufficient available funds in your Salvo.ng, e-wallet account to cover the amount of the requested transfer, your request for the transfer will be declined. We may also transfer funds from your Salvo.ng, e-wallet account to your Bank Account without notice to you upon the closure of your Salvo.ng Account as described below and at any time if required by applicable law or if we, in our sole discretion, suspect the Services are being used for illicit purposes or otherwise in violation of these Terms.

You are solely responsible for determining whether you are willing to accept the funds debited from your debit card and the funds held in your Salvo.ng account. We are not responsible for any third-party charges that may be incurred as a result of using the Services, including, but not limited to, third-party charges incurred as a result of insufficient funds being kept in your bank account.

Salvo.ng is not a financial consultant, and financial advice is not intended for the Services. Your state of affairs is different. For your needs, activities, or purchases, we are not responsible for ensuring that your debit card has enough funds. We make no promises, assurances or guarantees whatsoever that the Services are appropriate for you. You must consider seeking more information and advice from a financial advisor before using the Services.

You may only use the Services for your own private, non-commercial use and not for any third party's sake or on behalf of it. Your use of the Services must be compliant with all relevant legislation. If the applicable law forbids your use of the Services, you will not be allowed to use the Services. If you use the Services in any way that violates applicable law, we are not responsible. You agree not to allow your user name and password or mobile device to be used by any other person or entity to access the Services. You are solely responsible for your username, password, and other user information's maintenance, privacy, and protection. You are responsible for all purchases and other activities authorized or carried out using your username and password or mobile phone, either allowed or prohibited by you, except as otherwise permitted by applicable law. Until expressly stated otherwise in these Terms or necessary by applicable law, we shall not be liable for any damages resulting from the loss or theft of your User Information or mobile device or from your bank account or Salvo.ng account's unauthorized or fraudulent transactions. If you suspect or become aware of any suspicious behavior or exposure to your username, password or mobile phone, please contact us at hello@salvo.ng immediately.

We offer the Services and the functionality, information, materials and content provided and displayed through the Services (collectively, "Content") solely for your personal use for the purposes specified therein and in these Terms. It is illegal to use any and all other applications. You may not limit or hinder the use or enjoyment of the Services or Content by anyone else.

Copyright, trademark, patent, and other intellectual property laws cover these Products and Content. Notwithstanding applicable law, we expressly reserve all rights and remedies. Except as specifically given by these Terms or with our prior written consent, you may not, by any means, use, alter, disassemble, decompile, reverse engineer, replicate, distribute, lease, sell, authorize, release, view, stream, transmit or otherwise exploit any Material. You consent not to (and not to authorize any third party to): without restricting the foregoing:

(A) use any robot, spider, scraper or other automatic or manual tool, system or means for accessing the Services or copying any Material, except as expressly allowed by us; (b) take any action that imposes or may impose (in our sole determination) an unfair or excessive burden on the Services or our infrastructure; (C) use any device, software or routine that interferes with or attempts to interfere with the functionality of the Services; (d) rent, lease, copy, provide access to or sub-license to a third party to any portion of the Services or Content; (e) use any portion of the Services or Content to supply or incorporate any portion of the Services or Content into any product or service provided to a third party; (f) reverse engineer, decompile, disassemble or otherwise attempt to obtain the Services or Content's source code; (g) modify the Services or Content or create any derivative product from any of the foregoing; (h) delete or conceal the Services or Content's source code;any proprietary or other notices found in the Services or Content;(I) use the Services or Content in any manner that is unlawful, dangerous, fraudulent, misleading, offensive, insulting, defamatory, obscene or otherwise objectionable, as we may decide at our sole discretion; (j) jeopardize the safety of your Salvo.ng Account or any other person's Salvo.ng Account (Such as allowing someone else to use your username and password to access the Services); (k) attempting in any way to obtain the username, password, account or other security information from any other client of the Services; (l) violating the protection of any computer network or cracking any password or security encryption codes; or (m) executing Maillist, Listserv, any form of auto-responder or "spam," or "spam" We -track your use of the Services and Content, but we are not necessary to do so.

Except as expressly stated in these Terms, we do not award you any licenses, express or implied, for our intellectual property or the intellectual property of our licensors. We and our third-party licensors hold all ownership, titles and interests in and associated patents, trademarks, copyrights, mask work rights, trade secrets, and other intellectual property rights.

The Services can allow you to submit material, send emails and other correspondence, and provide third-party information (collectively, "User Content") for publication or distribution. Any User Content shall not be unlawful, offensive, obscene, discriminatory, defamatory, libellous, pornographic, violating intellectual property rights, encouraging illegal activity or harming groups and/or individuals, intrusive of privacy, deliberately incorrect or otherwise detrimental to third parties or unacceptable and shall not consist of or include code. Computer viruses, commercial requests, political campaigning, chain letters, mass mailings or any form of "spam." If you submit User Content and we do not indicate otherwise, you grant us the right to use, modify, reproduce, adapt, translate, publish, create derivative works from, distributed We take no liability for any User Content that you or any other user or third party has submitted.

To the degree allowed by applicable law, we may, for any cause, including, but not limited in, your violation of these Terms, terminate (or disable access to) your use of the Services, Content, or your Salvo.ng Account.

You should contact us immediately at hello@salvo.ng or 09029991354 if your mobile device is lost or stolen or if you believe someone has obtained unauthorized access to your username or password. You will need to provide some user information in order to take any action so that we can verify your identity.

You must provide and validate your mobile device number or other text message address to us in order to use the Services, and you must expressly agree to receive the Services text messages at that number or email. Data and message charges for third parties can apply. We may send you a code via text message to the mobile device number or text message address you provide to verify your mobile device number or text message address, and you must enter the code as directed by us. When you change your mobile device number or text message address, your new mobile device number or text message address must be immediately given and checked. Therefore, if you provide us with your email address, we can send you important notices about the Services via email.

The Services may include connections or links to third-party websites or services that we or our third-party service providers or licensors do not own or run. Only for your use we provide such ties and connections. We do not monitor websites or products of this kind by third parties and are not responsible for their availability or quality. The use of such links and connections does not mean the support of such websites or products by third parties or any affiliation with their owners or operators. We assume no responsibility whatsoever for any such third party websites or services or any content, features, products or practices of such third party websites or services. The access to and use of such websites and services by third parties is subject to the relevant terms and conditions and privacy policies of third parties. We advise you to read the terms and conditions of each third-party website or product you visit or use.

You may stop using the Services, close your account with Salvo.ng and cancel these Terms at any time by contacting us at hello@salvo.ng or 09029991354 and providing us with sufficient information to verify your identity. Notwithstanding the above, if there are any pending transactions relevant to your Salvo.ng Account once we receive your notice of termination, we will close your Salvo.ng Account immediately after such transactions have been completed. Until termination, the termination of these Terms will not affect any of our rights or responsibilities under these Terms.

We will transfer the funds in your Salvo.ng Account, if any, to your e-wallet or bank account once your Salvo.ng Account is closed. If your bank account is closed or we can not transfer the funds in your Salvo.ng e-wallet account to your bank account, we will give you a check of the balance of the funds in our records at your street address.

If you do not use the Services for a period of time, applicable law may allow us to report the funds as unclaimed property in your Salvo.ng account. If this happens, we can try to find you at the address shown in our records. If we can not locate you, we may need to transfer some funds to the relevant state as unclaimed property in your Salvo.ng account. The time limit for recording and distributing funds to a government varies by state, but typically ranges from two to five years.

Provisions of these Terms to survive termination of these Terms by their definition must survive termination of these Terms.

Salvo.ng takes its users ' privacy very seriously. You recognize that by using our services, you grant us permission to collect, use, store and reveal your data as set out in these Terms and our Privacy Policy by using the Services.

More terms and conditions. Together with your access to or use of the Services, you may be subject to more terms, regulations, policies and conditions posted on the Website, including, but not limited to, terms and conditions for our referral or reward programs (the " More Terms"), which are incorporated by reference in these Terms. Such Terms will be regulated in the event of a conflict between any Additional Terms and these Terms.

Warranty Disclaimer. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW AND EXCEPT AS OTHERWISE EXPRESSLY PROVIDED IN THESE TERMS, YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE AND OUR THIRD-PARTY SERVICE PROVIDERS EXPRESSLY DISCLAIM ANY AND ALL CONDITIONS, REPRESENTATIONS, AND WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE AND OUR THIRD-PARTY SERVICE PROVIDERS MAKE NO WARRANTY THAT (A) THE SERVICES WILL MEET YOUR REQUIREMENTS, (B) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS, OR (E) ANY ERRORS IN THE SERVICES WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE OBTAINED BY YOU FROM US OR OUR THIRD-PARTY SERVICE PROVIDERS THROUGH OR FROM THE SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

Limitation of Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT Salvo.ng, ITS AFFILIATES, AND ITS AND THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS, AGENTS, AND THIRD-PARTY SERVICE PROVIDERS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR (A) THE PERFORMANCE OF THE SERVICES OR THE INABILITY TO USE THE SERVICES; (B) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF SUCH PERSONS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHICH ARISE OUT OF OR ARE IN ANY WAY CONNECTED WITH THESE TERMS, THE SERVICES, OR CONTENT; (C) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF 20,000 naira OR THE AMOUNT TRANSFERRED FROM YOUR DEBIT CARD TO YOUR Salvo.ng ACCOUNT VIA THE SERVICES; OR (D) ANY EVENT BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity. At our request, you agree to defend, indemnify, and hold harmless Salvo.ng, its affiliates, and its and their respective employees, officers, directors, agents, and third-party service providers from and against any and all claims, suits, liabilities, damages (actual and consequential), losses, fines, penalties, costs, and expenses (including reasonable attorneys’ fees) arising from or in any way related to any third-party claims relating to your use of the Services, violation of these Terms, applicable law or any third-party rights, or your fraud or willful misconduct. Such indemnified parties reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you will cooperate in asserting any available defenses.

Assignment. You may not transfer, assign, or delegate these Terms or your rights or obligations hereunder or your Salvo.ng Account in any way (by operation of law or otherwise) without our prior written consent. To the extent permitted by applicable law, we may transfer, assign, or delegate these Terms and our rights and obligations hereunder without your consent.

Beneficiary of a third party. You agree that our third-party service providers are third-party recipients of the applicable provisions of these Terms, with all rights to enforce such provisions as if they were a party to these Terms.

The rule of law. These Terms are rendered in accordance with the laws of the Federal Republic of Nigeria and will be regulated and read without giving effect to any rules that provide for the application of the law of another jurisdiction.

DISPUTE RESOLUTION OF BINDING ARBITRATION; JURY TRIAL WAIVER; CLASS ACTION WAIVER. For any and all disputes, disputes, claims, claims or causes of action between you and us (including the interpretation and scope of this Section and the arbitrariness of the disputes, disputes, demands, claims or causes of action) concerning the Services or these Terms (as well as any related or prior agreement) You and us decide exclusively by binding and confidential arbitration to settle any such issue, conflict, request, statement or cause of action. The mediation must take place in your residence's federal judicial district. "We" or "us" as used in this paragraph means Salvo.ng and its branches, partners, ancestors, descendants, and subordinates, and all its staff, officials, directors, agents, and representatives, and their respective members. However, "we" or "us" shall include any third party offering any good, service or benefit in connection with the Services or these Terms (as well as any similar or prior arrangement that you may have had with us) if such third party is listed as a co-party with us in any conflict, dispute, complaint, claim or cause of action subject to this Article.

Arbitration is subject to the Federal Arbitration Act and not to any arbitration law of the state. The arbitration shall be held before a private arbitrator of the Nigeria Arbitration and Conciliation Act with substantial experience in resolving disputes arising from commercial contracts. As provided by these Terms and unless otherwise agreed in writing by the parties, the arbitration shall be regulated by the Commercial Arbitration Rules of the Nigeria Arbitration and Conciliation Act and the Supplementary Procedures for Product Related Disputes (collectively, the "Rules and Procedures") where the arbitrator finds them applicable.

This clause should be carefully reviewed. To the degree allowed by applicable law, you are GIVING UP YOUR RIGHT TO GO TO COURT in challenge or protect the rights EXCEPT for matters you file in the Small Claims Court of the State or Municipality of your residence within the jurisdictional boundaries of the Small Claims Court and as long as that matter is pending only in that Court. Therefore, regardless of this agreement to arbitrate, each party can request equal emergency relief in the federal court if it has jurisdiction or, if not, in the federal court of your residence to maintain the status quo pending arbitration, And each party hereby agrees to apply for that reason to the exclusive personal jurisdiction of the courts situated within your residence in the federal judicial district. The request for emergency steps will not be deemed a waiver of the arbitration duty.

A NEUTRAL ARBITRATOR and NOT a judge or jury can determine your rights. You are entitled to a FAIR HEARING, but the arbitration proceedings may be SIMPLER AND MORE LIMITED THAN RULES APPLICABLE IN COURT. The judgments of the arbitrators shall be as enforceable as any court order and shall be subject to VERY LIMITED REVIEW BY A COURT. You and we shall abide by the following rules: (a) ANY CLAIMS BROUGHT BY YOU OR US Should BROUGHT IN THE PARTY INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING; (b) THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON CLAIMS, MAY NOT OTHERWISE PRESIDE OVER ANY FORM OR CLASSS PROCEEDING, AND MAY NOT AWARD CLASSS-WIDE RELIEF; (c) if you can demonstrate that arbitration costs are prohibitive compared to litigation costs, we will pay as much of your filing and hearing fees in connection with arbitration as the arbitrator deems necessary to prevent arbitration from being cost-prohibitive compared to litigation costs;(d) we also reserve the right, in our sole and exclusive discretion, to be held liable for any or all of the arbitration costs; (e) the arbitrator shall uphold claims of privilege and confidentiality recognised by law; (f) the arbitration shall be confidential and neither you nor we can reveal the nature, substance or outcome of any arbitration, except as needed by applicable law; (g) subject to the restriction of the provisions of these Terms of Liability, the arbitrator may grant any specific relief or remedy that is specifically allowed by applicable law; and (h) each party shall pay its own attorney's fees and expenses, unless there is a legal requirement requiring the winning party to pay its fees and litigation expenses and the arbitrator grants the arbitrator a suitable award.

This section will survive termination of your Salvo.ng account and these terms and conditions as well as any voluntary payment by you or any bankruptcy by you or us of any debt in its entirety. With the exception of subparts (a) and (b) of this section (prohibiting arbitration on a class or group basis), if any portion of this arbitration provision is deemed invalid, unenforceable or unlawful or otherwise conflicts with the Rules and Procedures, the balance of this arbitration provision shall remain in force and shall be read in compliance with its terms as if the invalid provision were in effect. However, if either subparts (a) or (b) of this section are found to be unconstitutional, unenforceable or unlawful, then the whole of this arbitration clause will be null and void and neither you nor we shall be entitled to arbitration. If a case continues to litigation rather than in mediation for any cause, the dispute will be taken to federal court only if it has jurisdiction and, if not, to a state court situated in your residence's federal judicial district.

Unless you wish to opt out of this arbitration clause, you should inform us in writing of your election within 30 days of the date you first became subject to this arbitration provision or within 30 days of the effective date of any material change to these Terms by sending us a written notice by certified mail at: Furstsalvo  Nigeria Limited, Physical Office Address: No. 8b, Olanrewaju Ninalowo Street, Lekki 1,Lagos, Nigeria You must include your name, address, telephone number and email address in your opt-out note.

Miscellaneous. You will be responsible for paying, withholding, filing, and reporting all taxes, duties, and other governmental assessments related to your activity in connection with the Services, provided that we may, at our sole discretion, do any of the foregoing on your behalf or for ourselves. Under no circumstances will the failure of either you or us to exercise any right herein be considered a denial of any further rights under this. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum necessary extent, otherwise these Terms will remain fully enforceable and effective. Together with our Privacy Policy, these Terms constitute the whole and exclusive agreement between you and us with regard to the Services and supersede any previous written or oral understanding, arrangements or agreements with respect to the Services. You hereby accept and recognize that you are not Salvo.ng's employee, agent, associate, or joint venture, and have no authority whatsoever to attach Salvo.ng in any way.

We may at any time, at our sole discretion, attach or terminate any of the Services or change these Terms, subject to applicable law, without notice to you. Subject to applicable law, we reserve the right to inform you of any changes to existing conditions or to add new terms by publishing an updated version of these Terms on the Website or electronically notifying you of them. You are free to decide whether or not to accept a revised version of these Terms, but accepting these Terms as updated is required for you to continue to access or use the Services. If you disagree with these Terms or with any revised version of these Terms, your sole recourse is to cancel your subscription to or use of the Services. Except as expressly stated by us, the edition of these Terms in effect at the time of your request or use is subject to and constitutes your approval of your access and use of the Services.