1. Introduction

Reapvest is a financial technology platform that helps individuals build wealth through structured savings, financial literacy, and impact-driven investments in sectors like agriculture. Our services include smart savings plans, referral rewards, gamified financial learning, and investment opportunities.

2. User Eligibility

You must be at least 18 years old to use Reapvest. You agree to provide accurate and complete information when signing up. Reapvest reserves the right to suspend or terminate accounts found to contain false or misleading information.

3. Account Registration & Security

You are responsible for maintaining the confidentiality of your login details. Unauthorized access to your account should be reported immediately. Reapvest will never request your password or OTP via phone or email.

4. Savings & Transactions

Funds deposited into your Reapvest savings wallet are securely managed. Withdrawals are subject to the terms of your selected savings plan. The platform reserves the right to introduce or adjust withdrawal fees when necessary.

5. Referral Program

Users can earn referral bonuses when their referred users activate their accounts with a N500 deposit. Reapvest reserves the right to review and adjust referral bonuses at any time. Fraudulent referrals or multiple accounts may result in suspension or termination.

6. Investment Opportunities (When Active)

Investments in agriculture and other sectors will be structured based on available opportunities. Investment returns are subject to market risks and other economic factors.

7. Financial Literacy & AI-Powered Insights

Reapvest provides financial education through gamified learning and AI recommendations. AI insights are suggestions, not financial advice.

8. Fees & Charges

Certain services may attract transaction or withdrawal fees, which will be communicated in advance.

9. Security & Fraud Prevention

We employ industry-standard security measures to protect user funds and data.

10. Data Privacy & Usage

User data is protected and will not be shared with third parties without consent.

11. Dispute Resolution

Disputes should be reported via support@reapvest.com for resolution.

12. Intellectual Property Rights

All content, branding, logos, and intellectual property on Reapvest are owned by the company.

13. Modifications to Terms

Reapvest reserves the right to update these terms at any time.

14. Termination of Account

Users may deactivate their accounts at any time via settings or by contacting support.

15. Governing Law

These Terms & Conditions shall be governed and interpreted in accordance with the laws of the Federal Republic of Nigeria.

16. Force Majeure

Reapvest shall not be liable for any failure or delay in performance caused by events beyond our control.

17. Limitation of Liability

Reapvest shall not be liable for any direct, indirect, incidental, special, or consequential damages.

18. Acceptance of Terms

By signing up and using Reapvest, you confirm that you have read, understood, and agreed to these Terms & Conditions.