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processing fee."},payWithQuickteller:{head:"Pay with Quickteller",subheader:{topText:"To pay with quickteller.com, please visit: [quickteller.com/migo](http://quickteller.com/migo/)",linkText:"quickteller.com/migo",bottomText:"Please have the right phone with you so you can receive any OTP token alerts."},url:"http://quickteller.com/migo"},payWithBankTransfer:{head:"Paying with Bank Transfer",subheader:"Make your transfer to",accountNumber:"Account Number",accountName:"Account Name",bankName:"Bank Name",transfer:"Transfer with your bank's USSD Code",tapClickToCall:"Tap/Click to call USSD Code",toPay:"To pay with a USSD code, enter the following code on your mobile device",useThisDevice:"Use this device to dial",pleaseNote:"Please note that this account is unique to your loan payments.",selectYourBank:"Select your bank",info:"Info",accountNumberWasCopied:"Account Number was copied to clipboard!"}},offers:{selectLoan:null,selectBankAccount:{header:"Select bank account",prompt:"Select the bank account where you would like your funds disbursed.",addNew:"bank account"},selectPaymentCard:{header:"My payment cards",addNew:"payment card"},confirmation:{header:"Confirmation",prompt:"Please, verify the information you provided",loan:"loan",bankAccount:"bank account",paymentCard:"paymentCard",noDataSelected:"No data!",loanDetails:"Loan details",principalAmount:"Principal amount",interest:"Interest",loanAmountDue:"Loan amount due",loanPeriod:"Loan period",dueDate:"Due date",bankAndPaymentCardDetails:"Bank and payment card details",confirmYourAccount:"Confirm your bank account",confirmYourPaymentCard:"Confirm your payment card",bankAccountLabel:"Bank account",paymentCardLabel:"Payment card",noCardAvailable:"No active payment cards",selectedBank:"Selected bank",selectedPaymentCard:"Selected payment card"},confirmationFinish:{prehead:"Hurray!",head:"Your Migo loan is on its way to you!",subheader:"You will receive a confirmation SMS shortly.",subheader2:"We look forward to serving you again.",button:"Finish",tellUsAboutExp:"Tell us about your experience",takeASurvey:"Take a survey",takeASurveyURL:"http://survey.migo.money"},loanReturned:{prehead:"Thank you!",head:"We'll send an SMS when your payment is processed",subheader:"Tell us about your experience.",takeASurvey:"Take a survey",takeASurveyURL:"http://survey.migo.money"},loanPaid:{EXTENSION:{head:"Your payment is being processed"},prehead:"Thank you",head:"We'll send an SMS when your payment is processed!",subheader:"Tell us about your experience.",button:"I understand",takeASurvey:"Take a survey",takeASurveyURL:"http://survey.migo.money"},details:{interest:"Interest",totalOwed:"Total Owed",monthlyPayment:"%{value} Monthly Payment",monthlyPayments:"%{days} Monthly Payments",scheduledPayments:"%{days} Scheduled Payments",payment:"%{days} payment",payments:"%{days} payments"}},tiles:{addNew:{addNewPrompt:"Add new"},bankAccount:{type:"Type",change:"Change",bank:"Bank",accountNumber:"Account number",accountType:"Account type"},creditCard:{expires:"Expires",payWith:"Pay with",change:"Change",cardNumber:"Card number",expirationDate:"Expiration date",cvv:"CVV",expired:"Expired"}},modals:{sessionCountdown:{expired:{header:"Session expired",prompt:"You’ve been inactive for a while. For your security, we signed you out. ",sendMeOTP:"Send me OTP to login again",closeBtn:"Close"},header:"Session about to expire",prompt:"You’ve been inactive for a while. For your security, we’ll sign you out, unless you’d like to continue. ",closeBtn:"Refresh",logOutBtn:"Log out",continueBtn:"Continue (%{timeout})"},pleaseProvideBVN:{header:null,message:"A valid BVN is needed to complete your account registration.\n\nWe promise to keep your details strictly confidential.\n\nDial &ast;565&ast;0# to retrieve your BVN\n",inputTitle:"BVN number"},BVNCheck:{header:"Add your BVN",message:"To keep your account secure, please enter your 11 digit BVN number.",dial:"Dial \\*565\\*0# if you don't know your BVN",bvnConfidential:"Your BVN is strictly confidential.",migoWillNever:"Migo will never disclose your BVN to a third party.",once:"You will only have to do this once.",why:"Why do I need to enter my BVN?",gov:"It is a goverment requirement that helps Migo protect your account from unauthorised access."},addNewPaymentCard:{header:"Setup payment account",subHeader:"Register a debit card for easy repayment",cardNumber:"Card number",expirationDate:"Expiration date",cvv:"CVV",verifyStatement:"To **verify** your card, we will perform a non-refundable test debit of ₦1.",pin:"PIN",disclaimer:"We reserve the right to debit this card for any outstanding payments after the due date.",cancel:"Cancel",add:"Add",cardNumberPlaceholder:"XXXX XXXX XXXX XXXX",expirationDatePlaceholder:"(MM/YY)",cvvPlaceholder:"***",pinPlaceholder:"Enter your PIN"},verifyAddingNewPaymentCard:{header:"Please verify your card"},addNewBankAccount:{header:"Add your bank account",headerNote:"(Your phone number should be linked to the bank account you are adding)",subHeader:"Enter the bank account where you would like your funds disbursed.",selectBankLabel:"Select a bank",selectBankPlaceholder:"Type your bank name here",accountNumberLabel:"Account number",accountNumberPlaceholder:"Enter your 10 digit account number",accountType:"Account type",current:"Current",savings:"Savings"},retryModal:{title:"Unexpected error!",message:"We are experiencing temporary issues with the availability of our services.\nPlease try again.",retryBtn:"Try again",closeBtn:"Close"},infoModal:{closeBtn:"Close"},errorModal:{title:"Error",serverError:"Something went wrong. We're working on that.",apiCallError400:"Something went wrong processing this request.",apiCallError404:"We are experiencing temporary issues with the availability of our services. Please try again later.",apiCallError401:"We are experiencing temporary issues with the availability of our services. Please try again later.",apiCallError403:"We are experiencing temporary issues with the availability of our services. Please try again later.",apiCallError500:"We are experiencing temporary issues with the availability of our services. Please try again later. (Error 500)",apiCallError503:"We are experiencing temporary issues with the availability of our services. Please try again later.",login:{userUnknown:"Your phone number seems invalid. Please check.",genericError:"We are currently unable to validate your phone number. Please try again later."},closeBtn:"Close",addBankAccount:{403:"Sorry, account verification failed.\n\n%{message}\n",generic:"Sorry, we're unable to verify your account at the moment. Please try again later.\n\n%{message}\n"},sessionLost:"Your session has expired, please log in again.",addPaymentCard:{generic:"We are experiencing temporary issues with the availability of\nour services.\nPlease try again later.\n\n%{message}\n"},validateCardAdd:{generic:"An error occured during the validation process.\n\n%{message}\n"}},webPayment:{failedTitle:"Payment failed",failedMessage:"Your payment was not successful.\nEnsure you have sufficient funds in your account and try again.\n",genericTitle:"Payment failed",genericMessage:"Your payment was not successful.\nPlease try again later.\n",successTitle:"Payment successful",successMessage:"Your payment was successful.\nYou will receive a confirmation SMS shortly.\n",verificationFailedTitle:"Unable to verify payment",verificationFailedMessage:"Sorry, we were unable to verify your payment at the moment.\nWe will keep trying and send you a confirmation SMS once we do.\n\nPlease check back in a few minutes.\n",verificationFailedClose:"Loan details"},extendLoan:{header:"Extend loan",subheader:"To extend your loan you need to pay now %{amount}.",payNow:"Pay now",extendLoanDetailsHeader:"Extend loan details",newInterest:"New interest",newBalance:"New balance",extension:"Extension",due:"Due",lateFees:"Late fees",totalDue:"Total due"},loanInfo:{header:"Loan information",loanAmountDue:"Loan amount due",loanDisbursedDate:"Loan disbursement date",offerDueDate:"Loan due date",loanDueDate:"Loan due date",principal:"Principal",interest:"Interest",lateFees:"Late fees",totalDue:"Total due",totalPaid:"Total paid",close:"Close"},recommendFriend:{header:"Recommend a friend",subHeader:"Recommend Migo to a friend and you will get a discount on your interest rate for every friend that pays a loan back.",subHeaderInfo:"You can recommend as many people as you like. The more people that pay back, the more discounts you get.",enterPhoneNumberBelow:"Enter your friend's phone number below.",phoneNumber:"Phone number",send:"Send",additionalInfo:"Note that each loan can only receive one discount",successTitle:"Your recommendation was successful",successMessage:"If %{recommendedPhone} pays back their first loan, you will receive a discount on your next loan."},deletePaymentCard:{head:"Delete payment card",subheader:"Are you sure you want to delete payment card?",cancel:"Cancel",delete:"Delete"},deleteBankAccount:{head:"Delete bank account",subheader:"Are you sure you want to delete bank account?",cancel:"Cancel",delete:"Delete"}},paymentsHistory:{header:"Payment history",balance:"Balance",paymentTypes:{disbursment:"Disbursment",deposit:"Deposit"},headers:{date:"DATE",action:"ACTION",amount:"AMOUNT",loanBalance:"LOAN BALANCE"}},leftMenu:{labels:{loan:"Loan",myFirstLoan:"My first loan",bankAccountManagement:"Bank accounts",paymentCardsManagment:"Payment cards",paymentCards:"Payment cards",requestLoan:"Request loan",paymentHistory:"Payment history",recommendFriend:"Recommend a friend",faq:"FAQ",termsAndConditions:"Terms and Conditions",logOut:"Log out",login:"Sign in"}},faq:{header:"Frequently asked questions",search:"Search",noResults:"No results",questions:[{title:"About Migo"},{q:"What is Migo?",a:"Migo (formerly kwikmoney) is a cloud-based platform that enables you to use a loan to make purchases from merchants or withdraw cash without the need for a smartphone, point-of-sale hardware or plastic cards."},{title:"Accessing Migo loans"},{q:"How do I get a Migo loan?",a:"To get a loan, all you have to do is enter your phone number here [my.migo.money](https://my.migo.money/)\n\nOnce you select the loan amount you want, you’ll be asked to give us the details of your bank account for the loan to be deposited. Finally, we will register your debit card information to make repayment easier for you.\n\nWhere else can I get a Migo loan?\n\nYou can also get a Migo loan by dialing \\*561\\# for MTN, 9mobile, and Glo or \\*554\\*561\\# for Airtel.  From the list, select “Request Loan” to see a list of your customized loan offers.\n\nMigo is also available at the point of payment at the outlets below;\n\n* [BuyPower](https://buypower.ng/login)\n* Flutterwave\n* Nairabox\n* And these pharmacies:\n  * Medplus, Awolowo\n  * Medplus, Ogudu\n  * Chemart, Ikoyi\n  * Tehilah Pharmacy, Amuwo Odofin\n  * Albany Pharmacy,  Abuja"},{q:"How long does it take to get a Migo loan?",a:"We work hard to ensure that your loan enters your account (or the account of the merchant you are paying) right after you complete your application session."},{q:"Can I access Migo if I port my number to another network?",a:"Yes, as long as your SIM registration details match your bank account details. We operate our USSD service across all networks."},{q:"Can I use USSD shortcuts to request a Migo loan?",a:"Yes, to avoid multiple screen selections, you can use USSD menu shortcuts by placing your menu selections in the code you dial. Here are some examples:\n\nTo take a loan dial: \\*561\\*1\\*1\\*1\\#\n\nTo repay your loan dial: \\*561\\*1\\*2\\#\n\nTo check your loan balance, dial: \\*561\\*1\\*3\\#\n\nTo extend your loan dial: \\*561\\*1\\*4\\#\n\nFor terms and conditions, dial: \\*561\\*1\\*5\\#\n\nTo recommend a friend dial: \\*561\\*1\\*6\\#"},{q:"Do you have a mobile app?",a:"No, we currently do not, but you can access loans via your web browser."},{q:"Can I access Migo with another person's phone number?",a:"No, your loan offers are specific to you.  To offer you a loan, we must be sure that your SIM registration details match your BVN information."},{q:"Do I need to provide collateral or documentation to request a Migo loan?",a:"No, you do not need any collateral or documentation to request your Migo loan."},{q:"Do I need to visit a bank to request a Migo loan?",a:"No, all you need is a bank account linked to a valid BVN and a phone number, and you're ready to go.  You can conveniently apply for the loan from your mobile phone or computer."},{q:"Do I need to talk to a loan agent to request a Migo loan?",a:"No, you can apply for your Migo loan directly from your phone or computer, never through an agent. However, we are happy to assist you if you have any questions, call us on +234 (0) 1 700 2274 or send us an email at support@migo.money."},{q:"How do I qualify for a Migo loan?",a:"You qualify for loans based on your personal information. The more information we can find on you, the easier it is to qualify."},{q:"Do you deposit Migo loans into all banks?",a:"Your Migo loan can be deposited into any of the following banks:\n  * Access Bank\n  * Diamond Bank\n  * Fidelity Bank\n  * First Bank\n  * First City Monument Bank (FCMB)\n  * Guaranty Trust Bank (GTB)\n  * Heritage Bank\n  * Skye Bank\n  * Stanbic Bank\n  * Union Bank\n  * United Bank For Africa (UBA)\n  * Unity Bank\n  * Wema Bank\n  * Zenith Bank"},{q:"Can I get a Migo loan in two different bank accounts using the same phone number?",a:"You can register any number of bank accounts to receive your Migo loan, provided the account information matches your SIM registration information. However, you can only receive one loan at a time."},{title:"Loan Offers"},{q:"How much money can I borrow with Migo?",a:"Our loan amounts range from N500 to over N500,000.  We will usually start with a small loan and grow your loan offers over time as you borrow and repay consistently and build trust with the system."},{q:"How do you determine the amount I qualify for?",a:"Your loan offers are based on your personal information and your loan repayment history. The more you pay your loans on time, the higher the amounts you can get."},{q:"Can I request specific amounts?",a:"Your personal information is used to determine your unique loan offers, and we provide a range within your available credit limit from which you can select.  Currently, we are unable to fulfill requests for specific amounts."},{q:"Does Migo offer business loans?",a:"We don't categorize loans by purpose at the moment, so you can use your loan for any need, including business."},{q:"How do I increase my loan offers?",a:"The best way to increase your loan offers is to pay back your loan on or before the due date.  With Migo, your offers are a reflection of your borrowing behavior.  The more frequent your early repayments, the better your future offers. It is also better to extend your loan, to preserve your offers, rather than miss a payment date."},{q:"Why don’t I have any loan offers?",a:"We aim to make you an offer every time you make a request, no matter how small. However, in instances where we are unable to ascertain your personal information, we may not be able to make you an offer."},{q:"If I provide a guarantor, can I get a larger offer?",a:"No guarantors are required to get a Migo loan. Your loan offers will continue to grow at a steady pace as you borrow and repay early."},{q:"How come my offers dropped or have not increased since my last loan?",a:"Your loan offers grow at a steady pace provided you meet all the terms and conditions and repay your loans early. Your loan offers will only drop if you have defaulted on a previous loan."},{q:"How do I recommend a friend?",a:'You can recommend a friend once you have taken and repaid your first loan. To recommend a friend:\n\n1. Visit [www.my.migo.money](https://www.my.migo.money).\n2. Select "Loans".\n3. Select the “Recommend a friend” option.\n4. Enter your friend’s number.\n\nWhen you recommend a friend and that friend takes and repays their loan, you are guaranteed that the interest rate on your next loan will be at 10% provided.'},{q:"I cannot pay but do not want my offers affected, what do I do?",a:"To ensure your offers are not affected, you can make a partial payment of 20% of the total outstanding amount and get a 30-day extension."},{title:"Loan Repayment"},{q:"How do I pay back my Migo loan?",a:"There are several ways to pay back your Migo loan. Visit [www.migo.money/repay](http://www.migo.money/repay) and select the option that works best for you from the list provided."},{q:"How do I make a partial repayment?",a:"Visit [www.migo.money/repay](http://www.migo.money/repay), select your preferred repayment method, change the amount to be paid, and confirm the payment. A partial repayment is a good option to take to preserve your good repayment history and avoid a reduction in your next loan amount."},{q:"Can I make a transfer from my account to pay my loan?",a:"At the moment, this option is not available, but we are always looking for more ways to serve you better. In the meantime, please visit [www.migo.money/repay](http://www.migo.money/repay) and select the option that works best for you."},{q:"How do I extend my loan?",a:'To request a loan extension, dial \\*561\\# or visit [www.my.migo.money](https://www.my.migo.money), select "Loans" and go to "Extend Loan”, pay the 20% initial payment and your loan will be extended for 30-days.'},{q:"Can Migo debit my account directly?",a:"At the moment, this option is not available, but we are always looking for ways to serve you better. In the meantime, please visit www.migo.money/repay and select the option that works best for you."},{q:"Can I make repay my Migo loan on any other platform?",a:"Our verified repayment methods are all on www.migo.money/repay.  Any other channels or methods are unauthorized, and Migo cannot be held liable for fraudulent transactions that result from engaging with them."},{q:"Do I have to pay my Migo loan with the same card I registred when I applied for the loan?",a:"You can repay your Migo loan using any valid debit card. If you previously registered a card and would like to change that card, please visit [www.my.migo.money](https://www.my.migo.money) and follow the instructions to add a new payment card."},{q:"I lost the line I used to get a loan. How can I make a repayment?",a:'If you can no longer access the phone you used to take your loan, you can repay using our "pay with cash" option. Please visit [www.migo.money/repay](http://www.migo.money/repay) for details on this payment method.'},{title:"Interest & Tenure"},{q:"Why are there different interest rates?",a:"Your interest rates, just like your loan amounts vary based on your personal information and loan repayment history. Interest rates could reduce, while loan amounts increase with good repayment history and vice versa."},{q:"How much does it cost to take a Migo loan?",a:"Interest rates range from 5%-25%. The rate applied depends on your repayment history and the loan term. Interest rates are not fixed and can be reduced by repaying your loans early. You can also get reduced interest rates when you recommend friends to take a loan and repay."},{q:"How do I get a 30-day loan?",a:"30 day loans are offered to you based on your unique borrowing behaviour. Keep repaying your loans early to unlock 30-day loan offers."},{q:"How is my Migo loan balance calculated?",a:"You pay loan interest as specified in the offer, with additional 5% fees + VAT if you pay late or if you default. For example, if you take a N10,000 Migo loan @ 10%, your loan balance is as follows:\n\n**If you pay by the due date:**\n____________________________________________\n\nLoan value:                 **N10,000**\n\n10% loan interest:          **N1,000**\n____________________________________________\n\nLOAN BALANCE:               **N11,000**<br><br>\n\n**If you pay after the automatic rollover:**\n____________________________________________\n\n10% rollover interest:      **N1,000**\n\n5% late fee:                **N500**\n\n5% VAT on late fee:         **N25**\n____________________________________________\nLOAN BALANCE:     \t        **N12,525**"},{title:"Late Repayment"},{q:"What happens if I do not pay back my Migo loan?",a:"For us to keep increasing your loan offers and offering loans to more people, you must repay your loans when due. In the unfortunate event that you do not repay your loan on the due date, we will charge an additional default fee (5%). If you still do not repay, further penalties, as agreed in the terms and conditions, will be issued. Rather than paying late, a good option that helps preserve your loan history is partial repayment, using the ‘Extend your Loan’[Link back to How do I extend my loan question] option."},{title:"Terms and Conditions"},{q:"What should I do if I don't understand the Terms and Conditions?",a:"We developed our T&Cs with your comfort and security in mind, so you must understand what you agree to when you take a Migo loan. Migo highlights four main points you must agree to when you accept a loan offer:\n\n- To pay the loan balance on or before the due date:\n\n  This term means you understand that Migo is a loan that must be paid back by the due date to continue enjoying the service.\n\n- To allow the use of your personal data to determine loan offers:\n\n  This term means that you have given consent to Migo to consider and analyze your personal data and provide you with the best available loan offers. Your personal data comes from many sources, including your phone, your bank, bill payments, credit bureaus, and other sources.\n\n- To be subject to fees and penalties for late payment:\n\n  To enable us to continue lending to more customers while increasing your loan offers, we must recover loans granted. When you do not repay your loan on the due date, we are forced to charge additional fees and interest. This term means you have given your consent to be subject to these charges if your loan repayment is late.\n\n- To allow messages to your contacts if you do not pay:\n\n  This term means you consent to Migo sending text messages to anyone you have ever called or sent an SMS if we are unable to reach you. Migo will only send these messages after multiple unsuccessful attempts to contact you after your loan repayment date has passed.\n\n  Please visit [www.migo.money/terms-conditions/](https://www.migo.money/terms-conditions/)  to read our full Terms & Conditions. If you need further explanation, we would be happy to help you. Please call us on +234 (0) 1 700 2274."},{title:"Errors"},{q:"I received an error message saying my bank account and SIM registration details do not match. What should I do?",a:"Please re-register your SIM card, so your SIM registration details match your bank account details."},{q:"I got an error saying that the loan is delayed because you couldn’t reach my bank. What do I do?",a:"We're sorry, but sometimes there are interruptions in service amongst our network of partners. Please give us 72 hours to provide feedback on the issue. If you have not heard from us within this time, please call us on +234 (0) 1 700 2274."},{q:"I repaid my Migo loan, but I did not receive a payment confirmation. What do I do?",a:"We're sorry, but sometimes there are interruptions in service among our network of partners.  Please send an email to support@migo.money with proof of the deposit that shows the date of payment, and one of our customer experience representatives would be happy to assist you."},{q:"Migo is messaging me about a loan I know nothing about, how do I resolve this?",a:"Your loans are linked to your phone number and BVN, so we will need to go through our verification process with you. Please call us on +234 (0) 1 700 2274 or send an email to support@migo.money, providing the mobile number where the SMS was sent and we would be happy to help resolve this."},{q:"I repaid my Migo loan, why did my contacts still get notified?",a:"Our system only sends out notifications as a last resort in instances where customers have been unreachable. If you have repaid your past loans, please call us on +234 (0) 1 700 2274 or email us at [support@migo.money](mailto:support@migo.money) with proof and the date of payment. One of our customer care representatives would be happy to assist you."},{title:"Security and Privacy"},{q:"Are my personal data and bank/card details secure with Migo?",a:"Your security and privacy are our topmost priority, and so we have implemented multiple security measures to safeguard your information.  We are also fully compliant with all regulations and national laws governing consumer and data protection."},{q:"I received a notification from Migo to help reach a contact of mine to discuss a business issue, am I liable?",a:"No, you are not liable. With their consent, we reach out to the friends and family of our customers, when we are unable to reach them after multiple attempts."},{title:"Partnership"},{q:"How do I partner with Migo?",a:"We are always looking to partner with businesses to offer credit services to their customers, so we would be more than happy to hear from you. Please send us an email at [info@migo.money](mailto:info@migo.money)."},{q:"I am interested in employment with Migo, how do I reach you?",a:"Please send your CV to [careers@migo.money](mailto:careers@migo.money)."}]},termsAndConditions:{header:"Terms and Conditions",header2:"Terms & conditions",info:"Please read these terms and conditions carefully before using the Migo service with a mobile device or by any other means. By accessing, viewing, or using the Migo service you agree to be bound by the terms and conditions stated herein.\n\n\nThese terms and conditions are subject to change and any changes will be incorporated into these terms and conditions from time to time.\n\n\nIf you do not agree with these terms and conditions, please do not access, view, or use the Migo service by mobile device or by any other means.\n\n\nPlease note that if you are an existing customer of the Migo service, these terms will apply in addition to those contained in your account opening documentation and customer agreement. All our products and services may be subject to additional separate terms and conditions which govern their use.",iaccept:"I accept the",byClickingIAgree:"By clicking Next I agree to",subheader:"All rights reserved Ⓒ Migo Money, Inc %{currentYear}",privacyPolicy:"Privacy policy",noResults:"No results",list:[{title:"1. DEFINITIONS",content:"References to “you” or “your” are references to any person accessing, using, or viewing the Migo service via the Migo mobile application or by any other means.\n\nReferences to “we”, “us” or “our” are references to an entity duly incorporated and licensed by the laws and regulations of the Federal Republic of Nigeria to provision the Service either directly or in partnership. The entity is selected by the Service at the time of your Use.\n\n1.1. “Account” means a current or savings account or other account maintained at any financial institution in Nigeria.\n\n1.2. “Agreement” means the legal agreement created between you and us that includes all terms, definitions, and provisions set forth in these Terms and Conditions.\n\n1.3. “App” means a Migo mobile application used to access the Migo service.\n\n1.4. “Card” means a payment instrument used to issue financial transactions including, but not limited to, Verve Card, Naira Mastercard, Visa Card, or any other payment instrument.\n\n1.5. “Credentials” means a secret token or set of secret tokens used to authenticate and/or authorize a financial transaction on your behalf including, but not limited to, Account passwords, Card PINs, Card expiration dates, or Card Verification Value (CVV).\n\n1.6. “Customer Service” means any personnel provided by us or any third-party to assist with the use of the Migo service or to provide any information whatsoever about the Migo service.\n\n1.7. “Telco” – a company duly licensed by the NCC (National Communications Commission) to operate a telecommunications network and provide telecommunications services in Nigeria, on whose network you are using the Migo service.\n\n1.8. “Default” means any failure to meet your financial obligations due to us, as and when due as we have independently determined and communicated to you, as a result of your use of the Migo service.\n\n1.9. “Device” means any electronic device using a SIM (Subscriber Identity Module) card registered for use by a Telco approved by us with the ability to run a mobile application that communicates via the internet, and/or via USSD (Unstructured Supplementary Service Data), and/or via SMS (Short Message Service), and/or any other means as us or the Telco may deem appropriate from time to time.\n\n1.10. “Instruction” means your request to us for banking services.\n\n1.11. “Parties” means you and us severally, the parties to this Agreement.\n\n1.12. “Personal Data” means any data, details, or information about you or your activities, provided to us either directly by you or by a third party, or gathered through the access, view, or use of the Migo mobile application or any other service provided by us. This includes technical information about your Devices and related software, hardware and peripherals you use, your call data records, bank usage, utility usage, SIM registration data, and any other information about you we deem appropriate to collect from time to time to offer you services.\n\n1.13. “Regulator” means the Central Bank of Nigeria (CBN) or the National Communications Commission (NCC), or any other regulating branch of the Federal Government of Nigeria as appointed to regulate banking and/or telecommunications from time to time.\n\n1.14. “Requirements” means that you are over 18 years of age and have a properly registered SIM card with the Telco. The SIM card must be active for at least 90 days prior to your use of the Migo service.\n\n1.15. “Service” means the Migo service, any App, or any payment or financial transfer method provided by us or a third party for interaction with the Migo service, the use of any Customer Service line provided by us or a third party for the purposes of providing information of any sort about the Migo service or your use of the Migo service. The Migo service comprises of the following services:\n\n1.15.1. Instant Cash Loan Service;\n\n1.15.2. Instant Mobile Savings Account Service;\n\n1.15.3. Communication about the Migo service;\n\n1.15.4. Communication about your use of the Migo service;\n\n1.15.5. such other services as we may make available from time to time.\n\n1.16. “Third Party” means any party, including their successors and/or assigns, employed or engaged for the purposes of delivering and/or maintaining the Service.\n\n1.17. “Use” means your accessing, viewing, or engaging with the Service, whether by a Device, or one of our employees, or by any other means made available by the Service."},{title:"2. ACCEPTANCE OF AGREEMENT",content:"BY USING THE SERVICE YOU INDICATE THAT YOU UNCONDITIONALLY ACCEPT THE TERMS OF THIS AGREEMENT AND YOU AGREE TO ABIDE BY THEM. For the avoidance of doubt, Migo Technology Services Limited is a technical service provider to us and these Terms and Conditions do not create any agreement or obligations between you and Migo Technology Services Limited."},{title:"3. TERM OF AGREEMENT",content:"This Agreement is in effect until you discontinue your Use of the Service and all financial obligations with regard to your Use of the Service have been fulfilled."},{title:"4. RIGHT TO MODIFY AGREEMENT",content:"We reserve the right to modify these terms and conditions at any time without notice to you by posting to this website. Your continued Use of the Service will constitute your acceptance of any such changes."},{title:"5. OWNERSHIP OF SERVICE",content:"We are and remain the owner of the Service at all times, and you must not attempt to copy, transmit, distribute, reproduce (for compensation or otherwise), license, alter, adapt or modify the whole or any part of the Service in any way."},{title:"6. RIGHT TO MODIFY SERVICE",content:"We reserve the right to modify the Service, in any way we deem appropriate or necessary, without notice to you. Your continued Use of the Service will constitute your acceptance of any such changes."},{title:"7. LICENSE TO USE THE SERVICE",content:"If you satisfy the Requirements and agree to abide by the terms of this Agreement, we grant to you a personal, non-assignable, non-transferable, non-exclusive licence to use the Service in accordance with those terms, as amended from time to time, and subject to any rules or policies applied by the appropriate Regulator in Nigeria. If you do not satisfy the Requirements or do not agree to any of these terms, we do not license the Service to you and you must not use the Service."},{title:"8. RIGHTS IN THE SERVICE",content:"You acknowledge that rights in the Service are licensed (not sold) to you, and that you have no rights in, or to, the Service or the technology used or supported by the Service other than the right to use the Service in accordance with the terms of this Agreement."},{title:"9. SERVICE AVAILABILITY",content:"9.1. Use of the Service may from time to time be unavailable, delayed, limited or slow due to, but not restricted to the following factors:\n\n* force majeure\n\n* labour strike actions\n\n* hardware failure\n\n* software failure\n\n* overload of system capacities\n\n* failure of or suspension of public or private telecommunication networks\n\n* interruption of power supply or other utilities\n\n* government or regulatory restrictions, court or tribunal rulings, amendment of legislation or other human intervention\n\n* any other cause whatsoever beyond our control\n\n9.2. You acknowledge and agree that internet and telecommunications transmissions are never completely private or secure. You understand that any message or information you send using the Service may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.\n\n9.3. All content and services on or available through the Services are provided on an “as is” basis and we do not make any representation or give any warranty or guarantee in respect of the Service or its content.\n\n9.4. We may discontinue or make changes in the Service at any time without prior notice to you and without any liability to you.\n\n9.5. We may in our sole discretion terminate your Use of the Service for any reason, including without limitation where we believe that you have not acted in accordance with the terms and conditions of this Agreement.\n\n9.6. The information provided by the Service is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy."},{title:"10. NO WARRANTIES OR REPRESENTATIONS IN INFORMATION",content:"Although we have taken all reasonable care to ensure that the information provided by the Service is accurate, we give no warranties of any kind, express or implied, with regard to the accuracy, timeliness or completeness of any such information. We will not be liable for any errors or omissions in the materials and information provided on the Service or for any delay, difficulty in use, inaccuracy of information, computer viruses, other defect in the Service or your inability to use the Service to your satisfaction."},{title:"11. NO OFFER TO PURCHASE SHARES",content:"The information provided by the Service is not intended as an offer or solicitation for the purchase of shares or any other security."},{title:"12. COPYRIGHT AND TRADEMARKS",content:"12.1. Copyright in works contained in the Service, including but not limited to all software, design, text, sound recordings and images, are owned, or licensed, except as otherwise expressly stated, by Migo Technology Services Limited. You may not otherwise copy, transmit, display, perform, distribute (for compensation or otherwise), license, alter, store or otherwise use the Service or any of its components or content.\n\n12.2.  The name ‘Migo’, the name ‘Kwik Cash’, and the Migo logo are registered trademarks of Migo Technology Services Limited. All other featured words or symbols, used to identify the source of goods and services, are the trademarks of their respective owners."},{title:"13. THIRD PARTY SERVICES",content:"Where we provide links to, or information on, Third Party services, you agree to use such service entirely at your own risk and we accept no responsibility or liability for the content or use of such services."},{title:"14. AUTHORISATION TO COMPLY",content:"You agree that we are irrevocably authorised to comply with any Instructions the Service receives on your behalf and it is agreed that such Instruction shall be irrevocably deemed to be your Instruction."},{title:"15. RIGHT TO USE YOUR PERSONAL DATA",content:"15.1. BY USING THE SERVICE, YOU AGREE TO GRANT US AN IRREVOCABLE WRITTEN CONSENT TO ALLOW US TO COLLECT AND USE ANY PERSONAL DATA AVAILABLE OR MADE AVAILABLE TO US, FROM ANY SOURCE OR PROVIDER, FOR THE PURPOSES OF PROVIDING SERVICES TO YOU OR OPENING AN ACCOUNT FOR YOU. We agree to only use your Personal Data for the express purpose of providing services to you directly or through a third party, ascertaining the risk of providing services to you, or communicating with you about services you are using, or communicating with you about services you are or may be interested in, or otherwise as described by this Agreement.\n\n15.2. You consent that we may disclose and/or transfer your Personal Data to any other person or entity we deem necessary or appropriate provided they also agree to the terms and conditions regarding the use of your Personal Data as described in this Agreement.\n\n15.3. You consent to the transmission, transfer or processing of Personal Data to, or through, any country in the world, as we deem necessary or appropriate. Such transmission, transfer, or processing will be governed by the terms and conditions described in this Agreement.\n\n15.4. If we have a duty to disclose and/or transfer, or are compelled to so disclose and/or transfer, your Personal Data as required by law or by Regulators you agree to consent to such disclosure and/or transfer without any restrictions.15.5.    We agree to abide by all requisite data protection laws in relation to your Personal Data."},{title:"16. RIGHT TO ENFORCE COLLECTION",content:"16.1. BY USING THE SERVICE, YOU AGREE TO GRANT US AN IRREVOCABLE WRITTEN AUTHORISATION TO ISSUE OPEN-ENDED DIRECT DEBIT MANDATES FOR ALL ACCOUNTS YOU OWN NOW, OR AT ANY POINT IN THE FUTURE. IF YOU DEFAULT, YOU AGREE THAT WE HAVE YOUR WRITTEN AUTHORISATION TO PLACE A LIEN ON EVERY ACCOUNT YOU OWN NOW, OR AT ANY POINT IN THE FUTURE, TO RECOVER ANY OUTSTANDING BALANCE YOU OWE US BY THE EXECUTION OF THE DIRECT DEBIT MANDATE. You further agree that if you default we may execute such direct debit mandates, singularly or severally, from one or more of your Accounts, without any notice or further obligation to you, and may continue to execute direct debit mandates on your Accounts until such time as your financial obligations to us have been fulfilled. We warrant and represent that we will only execute a direct debit mandate if you Default.\n\n16.2. If you default, you agree that we shall have the right to report you to the Regulator as a fraudulent actor in the banking system and shall work with the Regulator and any third parties of our choosing to enforce regulation such as the BVN (Bank Verification Number) Watchlist. You further agree that we shall have the right to block your access to and use of electronic financial transactions using your payment cards, your phone numbers, your account numbers, or your personal identity, and shall have the right to enforce any other applicable law or regulation as applies to fraudulent financial actors in Nigeria."},{title:"17. RIGHT TO NOTIFY",content:"BY USING THE SERVICE, YOU GRANT US AN IRREVOCABLE WRITTEN AUTHORISATION, TO NOTIFY ANYONE, PUBLICLY OR PRIVATELY, BY ANY MEANS OF COMMUNICATION WE DEEM APPROPRIATE OR NECESSARY, ABOUT YOUR USE OF THE SERVICE. YOU AGREE TO ALLOW US TO USE YOUR PERSONAL DATA, OR ANY OTHER MEANS OR MANNER WE DEEM APPROPRIATE OR NECESSARY, TO DETERMINE WHOM TO NOTIFY. We warrant and represent that we will only make such notifications as it pertains to your use of the service."},{title:"18. YOUR OBLIGATIONS",content:"18.1. You agree to fulfill any financial obligations that result from the use of the Service by the due date communicated to you by the Service for those financial obligations, whether such obligations are loan interest, or fees, or taxes, or any other financial obligations communicated to you by the Service from time to time. You acknowledge that failure to fulfill such financial obligations by the communicated due date for those obligations constitutes a breach of this Agreement.\n\n18.2. You agree to Use the Service for your personal purposes only.\n\n18.3. You agree to change your Card Credentials and/or Account Credentials immediately you are made aware that it has become known to someone else. You acknowledge that failure to do so immediately is considered a breach of this Agreement.\n\n18.4. You agree to report to the Telco immediately you are made aware that your Device has been lost or stolen. You acknowledge that failure to do so immediately is considered a breach of this Agreement.\n\n18.5. You agree to urgently notify us immediately upon your suspicion that the confidentiality of your Credentials have been compromised.\n\n18.6. You must:\n\n18.6.1. not use the Service in any unlawful manner, or for any unlawful purpose, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the Service or any operating system or device used by the Service;\n\n18.6.2. not use the Service in a way that could damage, disable, overburden, impair or compromise the Service, our systems or security or interfere with other users;\n\n18.6.3. not carry out reverse engineering in respect of the Service;\n\n18.6.4. comply with any applicable law and regulation relating to use of the Service, including any applicable law or regulation governing the downloading of any App, otherwise exporting the technology used or supported by Service, which may include but is not limited to not using the App in a country where the use of such Apps or Services is unlawful;\n\n18.6.5. not use the Service in any way other than for the purposes expressly described in this Agreement; and\n\n18.6.6. not attempt to gain unauthorized entry into our systems or any Third Party systems, or misuse Credentials, or misuse of any information provided by the Service."},{title:"19. INDEMNIFICATION",content:"19.1. You agree to indemnify us for any failure to perform, or delay in performance of, any of our obligations under this Agreement that is caused by any act or event beyond our reasonable control, including those listed under Section 14.\n\n19.2. You agree to indemnify us for the Service not meeting your individual requirements or the Service containing defects or errors, as the Service has not been developed specifically for you. You acknowledge it is your responsibility to ensure that the facilities and functions of the Service meet your requirements.\n\n19.3. You agree to indemnify us from any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your Device, data or other proprietary material due to your use of the Service.\n\n19.4. Our maximum liability to you in respect of any Instruction you make using the Service shall be to refund the interest or fees paid to us for a particular financial transaction, and/or to refund any proven erroneous payment above any interest or fees due to us for a particular loan transaction.\n\n19.5. We are exempted from any form of liability whatsoever for complying with any or all Instruction(s) given by means of the customer’s Credentials and accordingly, we shall not be responsible for any fraudulent, duplicate or erroneous Instructions.19.6.    We are expressly exempted from any liability arising from unauthorized access to your Accounts and/or data as contained in the our records, which arises as a result of your inability and/or otherwise to safeguard your Credentials and/or failure to prevent the viewing of your Account information or your Credentials.\n\n19.7. We are exempted from any liability as regards breach of duty of secrecy arising out of your inability to observe and maintain the secrecy of your Credentials.19.8.    We are exempted from any liability for loss that may arise as a result of your inability to fulfill your responsibilities as stated in Section 18.\n\n19.9. We are exempted from any liability for loss that may arise as a result of acts of hackers and other unauthorized access to your Account via the Service.\n\n19.10. You hereby irrevocably accept responsibility for any fraud, loss and/or liability to the bank or third party arising from usage of your Credentials with the Service.\n\n19.11. You agree to indemnify us in all circumstances from liability for any lost profits or any form of damages arising out of any use of or inability to use the Service or any portion thereof, regardless of whether we have been informed of the likelihood of such damages occurring and regardless of the form of action, whether in contract, tort, or otherwise.\n\n19.12. Nothing herein shall be interpreted as limiting or reducing our obligations to customers in accordance with applicable laws in force in the Federal Republic of Nigeria and banking and other financial institutions regulations that may be laid down from time to time."},{title:"20. TERMINATION",content:"20.1. We may terminate this Agreement immediately at any time, with or without notice, if you have breached this Agreement.\n\n20.2. We reserve the right to cease operating the Service and terminate this Agreement at any time without notice."},{title:"21. NON-WAIVER",content:"Failure or omission by a party at any time to enforce or require strict or timely compliance with any provision of this Agreement shall not affect or impair that provision in any way or the rights of that party to avail itself of the remedies it may have in respect of any breach of that provision."},{title:"22. SEVERABILITY",content:"If any part of this Agreement is held by any court or administrative body of competent jurisdiction to be illegal, void or unenforceable, such determination shall not impair the enforceability of the remaining parts of this Agreement."},{title:"23. ENFORCEABILITY",content:"If for any reason a court of competent jurisdiction or a Regulator finds any provision of this Agreement, or portion thereof, to be unenforceable, we will replace that provision or portion of the Agreement with such enforceable provision or portion as comes closest to the intent underlying the unenforceable term or condition."},{title:"24. GOVERNING LAW",content:"This Agreement shall be governed by, and interpreted in accordance with, the laws of the Federal Republic of Nigeria."},{title:"25. SUCCESSORS AND ASSIGNS",content:"This Agreement shall bind and inure to the benefit of the parties hereto and their successors and assigns."},{title:"26. ENTIRE AGREEMENT",content:"This Agreement contains the entire agreement between the parties with respect to the subject matter hereof."},{title:"27. EXISTING AGREEMENT",content:"This Agreement shall supersede any other agreements you have entered into with us."},{title:"28. DISPUTE RESOLUTION",content:"28.1. You agree that all disputes between you and us (whether or not such dispute involves a third party) with regard to your relationship with us, including without limitation disputes related to this Agreement, your Use of the Service, and/or rights of privacy and/or publicity, will be resolved by binding arbitration.\n\n28.2. You may bring claims only on your own behalf. Neither you nor we will participate in a class action or class-wide arbitration for any claims covered by this Agreement to arbitrate. You are giving up your right to participate as a class representative or class member on any class claim you may have against us us including any right to class arbitration or any consolidation of individual arbitrations. You also agree not to participate in claims brought in a private solicitation or representative capacity, or consolidated claims involving another person’s account, if we are a party to the proceeding.\n\n28.3. In the case of such a dispute, you agree to present to us, in writing, a letter specifying the nature of your dispute, the point(s) in issue and your intention to refer the dispute to mediation at the Lagos Multi-Door Court House. If you and us fail to resolve such dispute or difference by further consultation within a period of fourteen (14) days from the date upon which such further notice of dispute or difference has been received by us, or such longer time as we may jointly agree, we both agree that we may choose to refer the dispute to the Lagos Multi-Door Court for mediation and if the dispute is not resolved by mediation at the Lagos Multi-Door Court within a period of 15 days from the date of submission, we both agree that we choose to refer the dispute to arbitration in accordance with the Arbitration and Conciliation Act Cap A18, Laws of the Federation of Nigeria 2004. The arbitration shall be by a sole arbitrator appointed jointly by the Parties. If the Parties do not agree on a person to act as the sole arbitrator, the Chief Judge of the Federal High Court shall appoint the sole arbitrator. The place of arbitration shall be Lagos, Nigeria. The language of Arbitration shall be English.\n\n28.4. This arbitration clause will survive the termination of this Agreement."}]},availableLoans:{loading:{subheader:"Checking for loan offers..."},noLoanOffer:{subheader:"Sorry, we are unable to offer you a loan due to the increase in demand for Migo loans.\n\nWe will reach out to you once an offer is available for you\n"},selectLoan:"Select Loan",congrats:"**Congratulations,** you're approved!",selectOffer:"",loans:"Loans",selectLoanDuration:"Duration",selectLoanAmount:"Select a loan amount",yourLoanAmount:"Your loan amount",loanTerm:"%{term} days",loanAmount:"₦%{amount}",contratulations:"Congratulations!",youUnlockedBetterOffer:"You've just unlocked your next level of loan offers.",remember:"Remember your offers get better as you borrow and repay within the loan tenure",okraRequired:{subheader:"You must link your bank account."},okra:{introText:"Want higher amounts and lower interest rates? Link your bank account with Mono so we can get to know you better!",introTextNoOffers:"Link your bank account to view your available loan offers.",disclaimer:"Your data privacy and security is important to us. We use this data only to provide you with our best offers and it will not be shared with any other parties.",ctaButton:"Link my account for better offers",okraStatusMessage_OKRA_BOOST:"Thank you for linking your account. We have recalculated your offers accordingly.",okraStatusMessage_OKRA_NOT_BOOSTED:"Thank you for linking your account. We have recalculated your offers accordingly.",okraStatusMessage_OKRA_NO_DATA:"Thank you for linking your account. We have recalculated your offers accordingly."}},bankAccountManagement:{myBankAccounts:"My bank accounts"},paymentCardsManagement:{myPaymentCards:"My cards"},navigation:{back:"Back",select:"Select",next:"Next",cancel:"Cancel",add:"Add",confirm:"Confirm",finish:"Finish",ok:"OK",submit:"Submit",retry:"Retry"},privacyPolicy:{header:"Privacy policy",subheader:"This Privacy Policy applies between you, the User of this product and **Migo Technology Services Limited** (hereinafter referred to as **“Mines” or “us” or “we” or “our”**, the owner and provider of migo). **We** take the privacy of your information very seriously. This Privacy Policy applies to your use of any and all Data collected by us or provided by you in relation to your use of migo.com. **Please read this Privacy Policy carefully**.",noResults:"No data",list:[{title:"1. DEFINITIONS AND INTERPRETATION",content:"a. In this Privacy Policy, the following definitions are used:\n\n**Data**: collectively all information that you submit to Us. This definition incorporates, where applicable, the definitions provided in the Data Protection Regulation 2019 and in General Data Protection Regulation;\n\n**Cookies**: a small text file placed on your computer when you visit certain parts of the Migo website and/or when you use certain features of the website. Details of the cookies used by this website are set out in clause 11 below;\n\n**User or You**: any third party that accesses the Migo website and is not either (i) employed by Us and acting in the course of their employment or (ii) engaged as a consultant or otherwise providing services to Us and accessing the website in connection with the provision of such services;\n\n**Website**: the website that you are currently using, migo.com, and any sub-domains of this site unless expressly excluded by their own terms and conditions.\n\n**Product**: Migo\n\nb. In this privacy policy, unless the context requires a different interpretation:\n\ni. the singular includes the plural and vice versa;\n\nii. references to sub-clauses, clauses, schedules or appendices are to sub-clauses, clauses, schedules or appendices of this privacy policy;\n\niii. a reference to a person includes individuals, firms, companies, government entities, trusts, and partnerships;\n\niv. “including” is understood to mean “including without limitation”;\n\nv. reference to any statutory provision includes any modification or amendment of it; and\n\nvi. the headings and subheadings do not form part of this privacy policy."},{title:"2. SCOPE OF THIS PRIVACY POLICY",content:"This privacy policy applies only to the actions of us and you with respect to Migo."},{title:"3. DATA COLLECTED",content:"We may collect the following Data, which includes personal Data, from you:\n\na. Name;\n\nb. Contact Information such as telephone numbers;\n\nc. Financial information such as credit/debit card numbers;\n\nd. IP address (automatically collected);\n\ne. Web browser type and version (automatically collected);\n\nf. Operating system (automatically collected); and\n\ng. A list of URLs starting with a referring site, your activity on this Website, and the site you exit to (automatically collected)\n\nin each case, in accordance with this Privacy Policy."},{title:"4. USE OF DATA",content:"a. For purposes of the Data Protection Regulation 2019, **We** are the “Data controller”.\n\nb. Your acceptance of this Privacy Policy is an acceptance of the provisions therein.\n\nc. Unless we are obliged or permitted by law to do so, and subject to any third-party disclosures specifically set out in this Privacy Policy, your Data will not be disclosed to third parties. This includes our affiliates and/or other companies within our group.\n\nd. All personal Data is stored securely in accordance with the principles of the Data Protection Regulation 2019 and General Data Protection Regulation. For more details on security see clause 10 below.\n\ne. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our product. Specifically,  Data may be used by us for the following reasons:\n\ni. internal record keeping;\n\nii. improvement of our products/services;\n\niii. contact for market research purposes which may be done using email, telephone, fax or mail. Such information may be used to customize or update the product;\n\nin each case, in accordance with this Privacy Policy.\n\nf. We use the information we collect to provide, maintain, protect and improve our services to develop new ones and to protect us and our users.\n\ng. We use your Personal Information to process and administer details of your account, to communicate with you, to provide you with opportunities, and to keep you up to date with new Migo developments.\n\nh. We also use and analyze the information we collect so that we can administer, support, improve and develop our business. We may contact you using the information you voluntarily provide. It’s important for you to understand that:\n\ni. Except as set forth herein, we do not share your information with unaffiliated companies for marketing purposes without your prior permission.\n\nii. Unless you opt-out, we may share information about you among companies affiliated with us to inform you about additional products, services or promotions that may be of interest to you.\n\niii. If you contact us for troubleshooting, we may also keep a record of that fact to\n\niv. better serve you and other customers in the future."},{title:"5. THIRD-PARTY SERVICES",content:"We may, from time to time, employ the services of other parties for dealing with certain processes necessary for the operation of the product. The providers of such services do not have access to certain personal Data provided by Users of this product."},{title:"6. LINKS TO OTHER WEBSITES",content:"We may, from time to time, provide links to other websites. We have no control over such websites and are not responsible for the content of these websites. This Privacy Policy does not extend to your use of such websites. You are advised to read the privacy policy or statement of other websites prior to using them."},{title:"7. CHANGES OF BUSINESS OWNERSHIP AND CONTROL",content:"a. **We** may, from time to time, expand or reduce our business and this may involve the sale and/or the transfer of control of all or part of **Mines**. Data provided by you will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use the Data for the purposes for which it was originally supplied to us.\n\nb. We may also disclose Data to a prospective purchaser of our business or any part of it.\n\nc. In the above instances, we will take steps with the aim of ensuring your privacy is protected."},{title:"8. CONTROLLING USE OF YOUR DATA",content:"Wherever you are required to submit Data, you will be given options to restrict our use of that Data. This may include the following:\n\na. use of Data for direct marketing purposes; and\n\nb. sharing Data with third parties."},{title:"9. FUNCTIONALITY OF THE PRODUCT",content:"a. To use all the features and functions available on the product, you may be required to submit certain Data.\n\nb. You may restrict your internet browser’s use of Cookies. For more information see clause 11 below."},{title:"10. SECURITY",content:"a. Data security is of great importance to **Mines** and to protect your Data we have put in place suitable physical, electronic and managerial procedures to safeguard and secure Data collected via this product.\n\nb. If password access is required for certain parts of the product you are responsible for keeping this password/pin confidential.\n\nc. We endeavor to do our best to protect your personal data. However, the transmission of information to us over the internet is not entirely secure and is done at your own risk. We cannot ensure the security of your Data transmitted to the product"},{title:"11. COOKIES",content:"a. This website may place and access certain Cookies on your computer. We use cookies to improve your experience of using the Website. **We** have carefully chosen these Cookies and has taken steps to ensure that your privacy is protected and respected at all times.\n\nb. All Cookies used by this Website are used in accordance with Nigeria Data Protection Regulation 2019 and General Data Protection Regulation.\n\nc. Before the Website places Cookies on your computer, you will be presented with a message bar requesting your consent to set those Cookies. By giving your consent to the placing of Cookies, you are enabling **us** to provide a better experience and service to you. You may, if you wish, deny consent to the placing of Cookies; however certain features of the Website may not function fully or as intended.\n\nd. This Website may place the following Cookies:\n\ni. **Strictly necessary cookies.**\n\nThese are cookies that are required for the operation of this website. They include, for example, cookies that enable you to log into the secure areas of this website.\n\nii. **Analytical/performance cookies.**\n\nThey allow us to recognize and count the number of visitors and to see how visitors move around this website when they are using it. This helps us to improve the way this website works, for example, by ensuring that users are finding what they are looking for easily.\n\niii. **Functionality cookies.**\n\nThese are used to recognize you when you return to this website. This enables us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).\n\niv. **Targeting cookies.**\n\nThese cookies record your visit to this website, the pages you have visited and the links you have followed. We will use this information to make this website and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.\n\ne. You can choose to enable or disable Cookies in your internet browser. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser.\n\nf. You can choose to delete Cookies at any time; however, you may lose any information that enables you to access the Website more quickly and efficiently including, but not limited to, personalization settings.\n\ng. It is recommended that you ensure that your internet browser is up-to-date and that you consult the help and guidance provided by the developer of your internet browser if you are unsure about adjusting your privacy settings."},{title:"12. TRANSFERS OUTSIDE THE NIGERIA DATA PROTECTION REGULATION",content:"a. Data which we collect from you may be stored and processed in and transferred to countries outside of Nigeria. For example, this could occur if our servers are located in a country outside Nigeria or one of our service providers is situated in a country outside Nigeria. We also share information with our group companies, some of which are located outside Nigeria. These countries may not have data protection laws equivalent to those in force in Nigeria.\n\nb. If we transfer Data outside Nigeria in this way, we will take steps with the aim of ensuring that your privacy rights continue to be protected as outlined in this Privacy Policy. You expressly agree to such transfers of Data."},{title:"13. GENERAL",content:"a. You may not transfer any of your rights under this Privacy Policy to any other person. We may transfer our rights under this Privacy Policy where we reasonably believe your rights will not be affected.\n\nb. If any court or competent authority finds that any provision of this Privacy Policy (or part of any provision) is invalid, illegal or unenforceable, that provision or part-provision will, to the extent required, be deemed to be deleted, and the validity and enforceability of the other provisions of this Privacy Policy will not be affected.\n\nc. Unless otherwise agreed, no delay, act or omission by a party in exercising any right or remedy will be deemed a waiver of that, or any other right or remedy.\n\nd. Where the Parties are unable to resolve any dispute amicably within fourteen (14) days of holding consultations after a dispute arises, such dispute shall be referred to a single arbitrator appointed by mutual agreement of the Parties; provided that where the Parties are unable to agree on a sole arbitrator within five (5) days, such dispute shall be referred to a single arbitrator appointed by the President of the Chartered Institute of Arbitrators Nigeria in accordance with the provisions of the Arbitration and Conciliation Act  Cap. A18 Laws of the Federation of Nigeria 2004. The decision of the arbitrator shall be final and binding on the parties and the unsuccessful party in any such arbitration shall be responsible for the payment of the arbitrator’s fees unless the arbitrator directs otherwise;\n\ne. This privacy policy is governed by and interpreted according to Nigeria law. All disputes arising under this Privacy Policy are subject to the exclusive jurisdiction of the Nigeria courts.\n\nf. No limitation clause in this Policy shall avail a Data Controller who is in breach of any provision of this Policy."},{title:"14. SECURITY & INFORMATION RETENTION",content:"We employ security measures to protect your Personal Information both online and offline from access by unauthorized persons and against unlawful processing, accidental loss, destruction, and damage. We encrypt many of our services using SSL. We will retain your Personal Information for a reasonable period or as long as the law requires. If you cease to be a user of Migo or any affiliated product, we may retain your Personal Information for our business purposes provided that we will protect all such information about you in accordance with this Privacy Policy."},{title:"15. WHAT RISKS DO I TAKE BY SHARING INFORMATION?",content:"Although we allow you to set privacy options that limit access to your personal information, no security measures are perfect or impenetrable. We cannot guarantee that only authorized persons will view your personal information. We cannot ensure that the information you share on this website will not become publicly available. We are not responsible for third party circumvention of any privacy settings or security measures on this website. You can reduce these risks by using common sense security practices such as choosing a strong password and using up to date antivirus software."},{title:"16. THIRD-PARTY SITES",content:"We are not responsible for the practices, privacy policies or the content of third-party sites, services and applications (“**Third Party Services**”) we link to or you elect to access through the Services, and have no control over the use or protection of information provided by you or collected by those Third Party Services. Whenever you choose to access a Third-Party Service, you may be asked to provide registration or other information. Please note that the information you are providing is going to a third-party, and you should familiarize yourself with the privacy policy provided by that party."},{title:"17. WHAT INFORMATION OF MINE CAN I ACCESS?",content:"If you are a customer, you can access information associated with your Account by logging into the Services. Customers and visitors can access and delete cookies through their web browser settings."},{title:"18. 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