Terms of Service

1. Acceptance

You must review and accept these Terms and the Privacy Policy to register or continue using Phinmon. If you do not agree, do not create an account or use the service. When we update material terms, we may require you to accept the new version before you can keep using Phinmon.

2. Eligibility

You must be at least 18 years old and able to form a binding contract under Nigerian law. Phinmon is intended for adults. By using the service, you confirm that the information you provide is accurate and that you will keep it up to date.

3. Accounts and sign-in

Access is passwordless: we send one-time codes (OTP) to your email. You are responsible for keeping access to that email secure and for activity under your account. Notify us promptly if you suspect unauthorised use. We may suspend or terminate accounts that violate these Terms or that present fraud, abuse, or security risk.

4. Identity verification (NIN)

Respondents may be required to verify their National Identification Number (NIN) through our identity verification providers (for example QoreID / NIMC pathways) before earning or withdrawing. You must provide your own legal details exactly as they appear on your official ID.

We do not store your raw (plaintext) NIN on the platform. After verification, we retain your NIN only in encrypted form, plus a one-way hash. That lets us confirm you are unique and block the same NIN from being used on more than one account, while keeping the number unreadable at rest. We do not use your NIN for marketing.

5. Respondents

As a respondent, you may take eligible studies, earn rewards, and withdraw to a bank account you control, subject to verification, platform rules, and available balance. You agree to answer surveys honestly, not to create duplicate or fake accounts, and not to manipulate results or payouts. Rewards may be withheld or reversed if we detect fraud, spam, or Terms violations.

6. Researchers

As a researcher, you may create campaigns, fund studies, and receive response data as described in the product and Privacy Policy. You are responsible for the legality and ethics of your research content, for how you use exported data, and for complying with applicable law. You must not use Phinmon to collect unlawful, harmful, or deceptive content, or to resell respondent personal data for unrelated purposes.

7. Payments, wallets, and fees

Payments and payouts are processed through partners such as Paystack. Wallet balances, withdrawal limits, fees, and settlement times may apply as shown in the product. You authorise us and our payment partners to process transactions you initiate. We are not a bank; funds handling is subject to partner and regulatory constraints.

8. Prohibited use

You agree not to:

• Use another person's NIN, identity, or bank account
• Create multiple accounts to game payouts or research quality
• Scrape, attack, reverse engineer, or disrupt the platform
• Upload illegal, abusive, or infringing content
• Circumvent verification, security, or payment controls

9. Intellectual property

Phinmon, its branding, software, and content (excluding your survey content and responses you submit under your role) are owned by Evergreene Software Ltd or its licensors. You receive a limited, non-exclusive licence to use the service as intended. Researchers retain rights in their campaign materials subject to these Terms and applicable law; respondents grant us and the relevant researcher a licence to use submitted responses for the study and platform operation.

10. Disclaimers and limitation of liability

Phinmon is provided on an "as is" and "as available" basis. To the fullest extent permitted by Nigerian law, we disclaim warranties of uninterrupted availability, perfect accuracy of third-party verification or payment partners, or fitness for a particular research outcome. Our aggregate liability arising from your use of Phinmon is limited to the greater of (a) fees you paid us in the three months before the claim, or (b) ten thousand Naira (₦10,000), except where liability cannot be limited by law.

11. Suspension and termination

We may suspend or terminate access for Terms violations, fraud risk, legal requirements, or prolonged inactivity. You may request account deletion through the product settings or support channels; we may retain limited data where required for fraud prevention, accounting, or law, as described in the Privacy Policy.

12. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be subject to the courts of Nigeria, without prejudice to mandatory consumer protections that apply to you.

13. Changes

We may update these Terms from time to time. The "Last updated" date will change when we do. Material changes may require in-product re-acceptance before you continue using Phinmon.

14. Contact

Questions about these Terms: use in-app chat (Crisp) on Phinmon, or contact Evergreene Software Ltd at www.evergreenesoftware.com.