Terms of Use
Last Updated: March 27, 2025
These Terms of Use govern your access to and use of the services, website, and platform provided by Joluwya (referred to as "we," "us," or "our") at joluwya.com. By accessing or using our services, you agree to be bound by these terms. If you do not agree, you must not use our services.
1. Acceptance of Terms
By creating an account, accessing our platform, or using any part of our services, you confirm that you have read, understood, and agree to be bound by these Terms of Use, along with any additional policies referenced herein. These terms form a legally binding agreement between you and Joluwya.
We reserve the right to update or modify these terms at any time. Continued use of our services following notification of changes constitutes your acceptance of the revised terms. The date at the top of this page reflects when the terms were last updated.
2. Eligibility
To use our services, you must:
- Be at least 18 years of age or the age of legal majority in your jurisdiction
- Have the legal capacity to enter into a binding agreement
- Not be prohibited from receiving services under applicable law
- Provide accurate, current, and complete information during registration
By using our services, you represent and warrant that you meet all eligibility requirements listed above.
3. Account Registration and Security
3.1 Account Creation
Certain features of our platform require you to register for an account. When registering, you agree to provide truthful and complete information and to keep that information up to date. You are responsible for all activity that occurs under your account.
3.2 Account Credentials
You are solely responsible for maintaining the confidentiality of your login credentials. You must notify us immediately at support@joluwya.com if you suspect any unauthorised access to or use of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.
3.3 Account Termination
We reserve the right to suspend or terminate your account at our discretion if we believe you have violated these terms or engaged in any activity that may harm our platform, users, or business operations.
4. Description of Services
Joluwya provides a professional online consultation platform focused on payment processing system automation. Our services include but are not limited to:
- Structured remote consultations with qualified professionals
- Automated payment workflow analysis and advisory services
- Digital communication tools for client-consultant interaction
- Access to platform resources, documentation, and support materials
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice where practicable.
5. Acceptable Use
5.1 Permitted Use
You may use our services only for lawful purposes and in accordance with these terms. You agree to use the platform in a manner consistent with its intended purpose and in good faith.
5.2 Prohibited Conduct
You must not:
- Use the platform for any unlawful, fraudulent, or deceptive purpose
- Attempt to gain unauthorised access to any part of our systems or infrastructure
- Transmit any malicious code, viruses, or harmful software
- Scrape, harvest, or collect data from our platform without written permission
- Impersonate any person or entity, or misrepresent your affiliation with any party
- Interfere with or disrupt the integrity or performance of our services
- Reproduce, distribute, or create derivative works from our content without authorisation
- Use our services to send unsolicited communications or spam
- Circumvent any access controls, security measures, or technical restrictions
- Engage in any activity that places an unreasonable burden on our infrastructure
6. Intellectual Property
6.1 Our Content
All content, materials, software, graphics, logos, and other elements available through our platform are the intellectual property of Joluwya or its licensors. Nothing in these terms grants you any right, title, or interest in our intellectual property beyond a limited, non-exclusive licence to use the services as described herein.
6.2 Your Content
You retain ownership of any content you submit through our platform. By submitting content, you grant us a non-exclusive, royalty-free licence to use, store, and process that content solely for the purpose of providing and improving our services. You represent that you have all necessary rights to grant this licence.
6.3 Feedback
If you provide suggestions, feedback, or ideas regarding our services, we may use such feedback without any obligation to compensate you, and you waive any claim related to such use.
7. Payment and Billing
7.1 Fees
Certain services may be subject to fees as described on our platform. All fees are stated in the applicable currency and are exclusive of any applicable taxes unless otherwise indicated. You are responsible for any taxes applicable to your use of our services.
7.2 Payment Terms
By providing payment information, you authorise us to charge the applicable fees. All payments are due in advance unless otherwise agreed. We reserve the right to suspend access to services in the event of non-payment.
7.3 Refunds
Refund eligibility is governed by our separate Refund Policy. We do not guarantee refunds except where required by applicable law or expressly stated in a written agreement.
8. Privacy and Data
Your use of our services is subject to our Privacy Policy, which is incorporated into these terms by reference. By using our services, you consent to the collection, use, and processing of your personal data as described in the Privacy Policy. We are committed to handling your data responsibly and in accordance with applicable data protection standards.
9. Third-Party Links and Services
Our platform may contain links to third-party websites or integrate with third-party services. We do not control and are not responsible for the content, privacy practices, or terms of those third parties. Accessing third-party resources is at your own risk, and we encourage you to review the applicable terms and policies before using them.
10. Disclaimers
Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:
- Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
- Warranties that the platform will be uninterrupted, error-free, or free of harmful components
- Warranties regarding the accuracy, completeness, or reliability of any content or information provided
Consultation services provided through our platform are advisory in nature. You are solely responsible for decisions made based on information or recommendations received through our platform.
11. Limitation of Liability
To the maximum extent permitted by applicable law, Joluwya and its affiliates, officers, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, goodwill, or business opportunities, arising out of or in connection with your use of our services.
Our total cumulative liability to you for any claims arising under these terms shall not exceed the total amount paid by you to us in the twelve months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain liabilities. In such cases, our liability is limited to the greatest extent permitted by applicable law.
12. Indemnification
You agree to indemnify, defend, and hold harmless Joluwya and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with:
- Your access to or use of our services
- Your violation of these Terms of Use
- Your violation of any third-party rights, including intellectual property or privacy rights
- Any content you submit, transmit, or make available through our platform
13. Service Availability and Modifications
We strive to maintain consistent availability of our platform but do not guarantee uninterrupted access. We may perform scheduled or emergency maintenance that temporarily affects service availability. We will endeavour to provide advance notice of planned downtime where reasonably practicable.
We reserve the right to modify, update, or discontinue any feature or component of our services at any time. We will provide reasonable notice of material changes that affect your use of the platform.
14. Termination
14.1 Termination by You
You may terminate your account at any time by contacting us at support@joluwya.com or through the account settings on our platform. Termination does not entitle you to a refund of any prepaid fees unless otherwise required by law.
14.2 Termination by Us
We may suspend or terminate your access to our services immediately and without prior notice if we determine, in our sole discretion, that you have violated these terms or that your continued use poses a risk to the platform, other users, or our business.
14.3 Effect of Termination
Upon termination, your right to access and use our services ceases immediately. Provisions of these terms that by their nature should survive termination shall remain in effect, including but not limited to intellectual property rights, disclaimers, indemnification, and limitation of liability.
15. Governing Terms and Dispute Resolution
These terms are intended to be interpreted broadly and in a manner that gives full effect to their protective provisions. In the event of a dispute arising from or relating to these terms or your use of our services, we encourage you to contact us first at support@joluwya.com to seek an informal resolution.
If informal resolution is not achieved, disputes shall be resolved through binding arbitration or through the competent courts, in accordance with applicable law. Nothing in this section limits either party's right to seek injunctive or other equitable relief for urgent matters.
16. Severability
If any provision of these terms is found to be invalid, unlawful, or unenforceable, that provision shall be deemed severed from the remaining terms, which shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.
17. Entire Agreement
These Terms of Use, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Joluwya with respect to your use of our services. They supersede all prior discussions, representations, or agreements relating to the same subject matter.
18. Contact Information
If you have any questions, concerns, or requests regarding these Terms of Use, please contact us:
| Channel | Details |
|---|---|
| support@joluwya.com | |
| Phone | +353 1 253 0880 |
| Address | 5 Greendale Rd, Donaghmede, Dublin 5, Ireland |
| Website | joluwya.com |