ABOUT OmniX

OmniX is a digital investment platform designed to empower medium and high net individuals and businesses to manage their money more effectively.

ELIGIBILITY

To visit the OmniX website, or use the OmniX platform on mobile, in any manner, you must be 18 years of age or older, or the age of majority as defined in your jurisdiction. By visiting and continuing to use OmniX, you represent to us that you have reached the age of majority in your jurisdiction and that you have the right, authority, and capacity to agree to and abide by these Terms. You also represent and warrant that you are not accessing OmniX for other purposes or gathering statistical data. If you are accessing the Platform of behalf of your business, you represent that you have the authorization of other partners of your business (if any), to access and operate the Platform on behalf of all partners.

VERIFYING YOUR IDENTITY

You authorize us, directly or through third parties, to make any inquiries we consider necessary to validate your identity. You must, at our request:

• provide further information to us, which may include your date of birth and or other information that will allow us to reasonably identify you;
• take steps to confirm ownership of your email address or financial information; or
• verify your information against third party databases or through other sources.

We reserve the right to close, suspend, or limit access to your account, in the event we are unable to obtain or verify to our satisfaction the information which we request under this section.

REGISTERING YOUR ACCOUNT

To fully access the OmniX site, Users have to register for an account, provide accurate and complete information, and keep their account information updated. If you create an account on behalf of a company, you represent and warrant that you are authorized to enter into binding contracts such as these Terms of Service, on behalf of yourself and the company.

You must complete a user profile registration (“Profile”) before you can access the services or use the Platform. You agree to provide true, accurate, and complete information on your Profile and all registration and other forms you access on the Platform. You agree not to provide any false or misleading information about your identity or location, your business, your skills, or the services your business provides and to correct any such information that is or becomes false or misleading. To create an account, you will be required to provide your legally identified first name, legally identified last name, date of birth, email, phone number etc. To access certain features on the Platform you’d be required to provide your Bank Verification number (BVN) or other financial details. On the Platform, you will be asked to generate a Username, Password, Passcode for a wallet, transaction PIN, security questions etc.

MANAGING YOUR ACCOUNT

We reserve the right to restrict your access, temporarily or indefinitely block your account, stop any projects you have in progress, and/or issue you a warning if:

• you breach the letter or spirit of these Terms and conditions or the referenced policies;
• we are unable to verify or authenticate any information you provide to us
• we believe that your actions may cause any loss or liability to our Users or to us

You are responsible for keeping your password secure. We cannot and will not be liable for any loss or damage from your failure to maintain the security of your Account and password. You acknowledge that you are responsible for the creation and operation of your OmniX account. You are responsible for all activity and content generated, stored, displayed, distributed, transmitted or exhibited on or in connection with your Account (“Materials”).

FORGOT PIN, PASSCODE

If you forget your app Passcode or log in details or want to change them, you can click on the "forgot passcode" option on the login page of the Platform and follow the steps. To change your transaction PIN or if you suspect that your PIN has compromised, you may need to contact us via our email below.

IF SOMETHING GOES WRONG

Though we have taken extra precautions to ensure that all your use of the Platform and that the services or transactions are secure. However, we do not guarantee secure, continuous, uninterrupted access to any part of the OmniX services, software, or systems, including any networks and servers used to provide any of the services stated herein. Accordingly, we are not responsible for the matters, which include actions of hackers and other unauthorized third parties that breach our reasonable security procedure. No method of electronic transmission or storage is 100% secure. Therefore, we cannot guarantee absolute security of the Platform.

If we discover any security issues that may compromise your account, we"ll contact you as soon as possible using one of our usual channels. However, we are not responsible for any loss you incur if:

• you provide and authenticate incorrect instructions on which basis a transaction is processed.
• you deliberately or negligently disclosed your PIN or allowed access to your account.

SERVICES ON OmniX

The following services and more are available on OmniX. The Platform offers:

• Streamlined cash flow management: Track your investment effortlessly.
• Diverse financing options: Find the right finance and investments to fuel your financial goals.
• Expert Investment guidance: Get personalized advice from qualified professionals.
• Convenience 24/7 access and ease of use
• Maximum returns: Competitive interest rates
• Exclusive instruments: Commercial papers exclusive to OmniX

THE APP TERMS

We grant you a non-exclusive, non-transferable, royalty-free license to use the Platform and to open and manage your OmniX account. This license will terminate immediately when you delete the Application or cease operating the website. OmniX application is available on iOS, and Android OS devices.

We may update the Platform to add and improve its functionality. Depending on the update, you may not be able to use the Platform until you have downloaded the latest version and accepted any new or additional terms.

Also, if you do not upgrade your phone"s operating system to the latest version available, certain features of the Platform may not work as intended. We are not responsible for the performance of the Platform on your phone if you do not update the Platform or your phone"s operating system to the latest version available.

The App is provided for convenience. You acknowledge that the App (and the services/products provided through the App) are dependent upon third party services, which may impact its availability to you. We try to ensure that the App services are always available to you, we however do not promise that it will always be available or always work perfectly. Downtime may arise in cases of maintenance, fraud, or a fault in the systems used to provide the App. We do not guarantee the duration of a system downtime as these events are sometimes outside of our control. However, where reasonably possible, we will provide advance notice of a scheduled downtime or significant service interruptions.

WEBSITE TERMS

The information provided on the OmniX website or in any communication containing a link to the site is for personal use and information purposes only and is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use is contrary to the applicable laws of that jurisdiction.

The OmniX web page is designed to be accessed through its principal home page or any our affiliate pages which we may from time determine, if you access the site through third party pages you agree and understand that we shall not be liable for the authenticity of the site accessed through such pages.

The information contained on the website is subject to, and must be read in conjunction with, all other publicly available information, including, where relevant, any other document published by us. We make no guarantee as to the accuracy of any information available to you on the Platform.

YOUR RESPONSIBILITY

We have compiled a list of things you need to do to help us keep your OmniX account safe.

• It is your sole responsibility to keep your OmniX account safe: Security Details, PIN and any part of your account security should not be shared with anybody else or carelessly stored or disclosed under any circumstance.
• If you leave your electronic access device without logging out, write your PIN down in a public space or share your details with anybody, we will not be liable for any errors, or results that may come of it.
• We will always use all reasonable efforts to keep the Platform and service safe, and your security settings will help us narrow it further down. However, if these issues arise due to carelessness with any part of your app or account security, there is very little we can do, and we will be relieved of any liability as regards the occurrence of a breach
• If you believe or reasonably suspect that there is a fraudulent act, we haven"t caught (which should be easy since you get all notifications), it is your duty to notify us immediately. We will then investigate and report back to you through the most secure channel you provide us.
• You are required to change your security options if you believe any part of your security has been compromised
• Where you notify us of your intention to change your password, PIN or security options, we will, with your approval, delete these details and allow you set up new ones.
• After initial registration, we will not contact you (or ask anyone to do so on our behalf) with a request to disclose your log in details or transaction password/PIN. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not provide your log-in details to them under any circumstances. Also, you should report any such request to us immediately.
• Upon your registration or approval of certain services, you give us permission to deduct any fees we communicate or notify you on any transaction or service. If these fees change, you will be notified before consummating any transaction and given the option to opt out of this service.

NO FINANCIAL ADVICE

We do not purport to provide any financial, investment or professional advice and nothing on the pages of the OmniX website or the App nor shall any of the services available on OmniX be deemed to constitute the offer or provision of financial, investment or other professional advice in any way. In particular, you should obtain advice from a qualified financial advisor before making any investment decision.

PROHIBITIONS ON USE OF THE PLATFORM

Below are examples of User content and/or use of the Platform that is illegal or prohibited. This list is not exhaustive, and we reserve the right to restrict access to and/or investigate any User who, in our sole discretion, violates any of the terms or conditions of these Terms.

In view of the foregoing you understand and agree not to:

• gain or attempt to gain access to another user"s account or any non-public portions of the Platform,
• use the Platform in any manner that could interfere with, disable, disrupt, overburden, or otherwise impair the Services on the Platform.
• use the Services in any manner that we reasonably believe to be an abuse of or fraud on the Platform or the payment systems connected with the Platform.
• upload, transmit, or distribute to or through the Services any viruses, worms, malicious code, or other software intended to interfere with the Services, including its security-related features.
• use the Platform to violate applicable law or infringe any person"s or entity"s intellectual property rights or any other proprietary rights.
• access, search, or collect data from the Platform with intent to store, transfer or sell the personal data of other users without our prior consent.
• not to violate any law, regulation, industry requirement, or third-party guidelines or agreements by which you are bound, including those of payment card providers and transaction processors that are utilized in connection with the Services;
• not to fund a ransom, human trafficking or exploitation, vigilantism, bribes or bounty;
• not to interfere with or disrupt servers or networks connected to the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services;
• not to use another user"s account or URL without permission, impersonate any person or entity, falsely state or otherwise misrepresent your affiliation with a person or entity;
• not to use the Platform in a way that could damage it or stop it from working or affect our systems or other users - for example, by hacking into or inserting malicious code into the OmniX App (whether IOS, Android or other operating systems).

MODIFICATIONS TO THESE TERMS AND CONDITIONS

We may update these Terms periodically to reflect changes in our services, legal requirements, or business practices. When updates occur, we will post the revised Terms on the Platform and specify the effective date. Your continued use of the Platform after the effective date will constitute acceptance of the updated Terms. To enhance functionality or comply with legal or technical requirements, we may modify, suspend, or discontinue certain features of the Services as stated in these Terms. Where feasible, we will notify you in advance of significant changes. We will not be liable for any such modifications or discontinuations, provided they do not materially diminish the overall value of the Services to you, subject to applicable laws. You have the right to accept or decline any revised version of these Terms. If you do not agree to the updates, you must discontinue using the Platform and services. Continued use after the effective date of any changes will constitute acceptance of the revised Terms. We recommend reviewing the Terms regularly to stay informed of updates.

SUSPENSION OF SERVICES OR YOUR OmniX ACCOUNT

We may suspend your access to the OmniX platform/service/account, or any feature thereof either temporarily or permanently, on one or more of the following grounds:

• To protect the security, integrity, or stability of the platform or our systems.
• If we suspect fraud, unauthorized access, or suspicious activity on your account.
• If you fail to comply with security protocols (e.g., authentication requirements).
• Violation of these Terms and Conditions or any agreement you have with us.
• Where you provide false, misleading, or incomplete information to us.
• Where there is a reasonable suspicion of your involvement in, or attempted illegal activity (e.g., money laundering).
• Where we find or reasonably suspect that you have provided false information to us, or misrepresented your identity
• Your failure to meet AML/CFT, KYC or other regulatory requirements.
• In compliance with legal/regulatory orders (e.g., CBN directives, court rulings).
• To carry on scheduled or emergency maintenance, upgrades, or technical disruptions.
• Where you no longer meet eligibility criteria for use of the platform/service (e.g., closed account, unsupported device).
• Upon our receipt of a notice of your death, bankruptcy, or legal incapacity.
• Where the platform is no longer made available by the App store in your location
• Your device/IP is flagged by cybersecurity partners (e.g., for malware).
• Unusual patterns on your account that trigger internal risk thresholds
• Where we determine that the relationship with you or your continued use of the platform/service represents increased risk of loss or liability to us

We will provide adequate prior notice of suspension of the service. However, we may suspend access to the service immediately, where such Immediate action is required to mitigate risks (e.g., fraud, security threats), or where an advance notice is prohibited by law or may signal "tipping-off" or where advance notice may harm the platform, other users of the platform, or ongoing investigations.

LIMITED LICENSE

The content and works (including design, text, graphics and the selection and arrangement) on the Platform are exclusively owned by Sterling. The duplication, processing, distribution and any kind of exploitation of the Platform’s content (to the extent not permitted by copyright laws) require our prior written consent. Any use of the Platform not expressly permitted by these Terms of Use and may violate our copyright, trademark and other laws. You must not use any part of the materials on the Platform for commercial purposes without obtaining a license to do so from us or our licensors.

CLOSING YOUR ACCOUNT

You can deactivate or close your OmniX account any time you want. If you’d like to, please contact us (see how to contact us section). We will not charge you for cancellation and if you chose to stop using the Platform, you should ensure you uninstall the OmniX mobile application if you accessed the Platform via the mobile App.

WARRANTIES & DISCLAIMERS

• While we strive to provide reliable and secure investment service platform. You acknowledge that the Platform may occasionally be unavailable due to necessary maintenance, upgrades, or circumstances beyond our reasonable control. We will provide advance notice of scheduled interruptions where practicable, but cannot guarantee uninterrupted service availability. The Platform and all related services are provided on an "as available" basis, and we disclaim liability for any losses arising from service unavailability, except where such unavailability results from our gross negligence or willful misconduct.
• The Platform may integrate or provide access to third-party services for your convenience. While we exercise due care in selecting third-party providers, we do not guarantee or assume responsibility for their services, content, or actions. Your use of any third-party services is at your own risk, and we recommend reviewing the terms and privacy policies governing such services. However, we remain responsible for our negligence in selecting or overseeing these thirdparty providers.
• To the fullest extent permitted by applicable law, we disclaim all implied warranties including merchantability or fitness for particular purpose, while affirming our commitment to providing services with the professional skill and care expected of a licensed financial institution under CBN regulations. Nothing in these terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be lawfully limited or excluded under Nigerian law.
• Our liability for direct losses arising from breach of these terms or negligence shall be limited to the fees you paid for the affected services in the preceding twelve months. We shall not be liable for any indirect, consequential, or special damages, including but not limited to lost profits, data loss, or business interruption, except where such limitation is prohibited by law. This disclaimer does not affect your statutory rights under the CBN Consumer Protection Regulations or other applicable Nigerian laws.

INVOLVEMENT WITH THIRD PARTIES

• Links to Third Party Platforms. The Platform may allow access to other websites. These linked Platforms are not under our control, and we are not responsible for the contents of any linked Platform. OmniX may provide links only as a convenience, and such inclusion of any link does not imply endorsement by Us of the Platform or any part of its contents.
• Items of Third Parties. Some of our Services allow users to upload or route various information. You acknowledge that, except for Items clearly identified as being those of Sterling, we do not operate, control or endorse any Items listed on the Platform or processed by the Platform and have no responsibility whatsoever relating to these Items.

SEVERABILITY

If any of these Terms should be determined to be illegal, invalid or otherwise unenforceable by reason of the laws of any state or country in which these Terms are intended to be effective, then to the extent and within the jurisdiction which that term is illegal, invalid or unenforceable, it shall be severed and deleted and the remaining of the Terms shall survive, remain in full force and effect and continue to be binding and enforceable

Waiver

No waiver by us of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by us to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

FORCE MAJEURE

To the fullest extent permitted under applicable law, we will be excused from performance under these Terms, for any period that we are prevented from or delayed in performing any obligations pursuant to this Terms, in whole or in part, as a result of a Force Majeure Event. For purposes of this section, “Force Majeure Event” means an event or series of events caused by or resulting from any of the following: (a) weather conditions or other elements of nature or acts of God; (b) acts of war, acts of terrorism, insurrection, riots, civil disorders or rebellion; (c) quarantines or embargoes, (d) labor strikes; (e); (f) unauthorized access to our information technology systems by third parties; or (g) other causes beyond our reasonable control and contemplation.

INDEMNITY

You agree to defend, indemnify, and hold harmless Sterling Bank Ltd, its employees, officers, directors, agents, its affiliates and third-party service providers (Indemnified Parties) from and against any and all claims, suits, liabilities, damages (actual and consequential), losses, fines, penalties, costs, and expenses (including reasonable attorney"s fees) arising from or in any way related to your use of the Platform, violation of these Terms or any applicable law or any third-party rights, or any fraud or willful misconduct by you. Such Indemnified Parties reserve the right to assume the exclusive defense and control of any matter subject to indemnification from you, in which event you will cooperate in asserting any available defenses.

Dispute Resolution

We will use our best efforts to resolve any issue that may arise from the use of the Platform. However, we realize that there may be rare cases where we may not be able to resolve an issue to your satisfaction. In the event we cannot resolve a dispute between us, you agree that all matters related to any use or access to the Platform or the services shall be referred to any court of competent jurisdiction in Nigeria.

GOVERNING LAW

These Terms are governed by the laws of the Federal Republic of Nigeria.

COMPLAINTS OR FEEDBACK OR SUGGESTIONS

If you have a complaint, please contact us and we will fix the problem. You can also share your issues, feedback, enquiries or suggestions with us, by emailing us at omnixunit@sterling.ng.