Terms of Use

Introduction

Welcome to TradeWithCEO (“TradeWithCEO”, “we”, “us”, or “our”).

These Terms of Use (“Terms”) govern your access to and use of the TradeWithCEO website, digital platforms, communication channels, customer support services and crypto-related services made available by TradeWithCEO (collectively, the “Services”).

By accessing our website, communicating with us through WhatsApp or other approved channels, requesting a quotation, initiating a transaction, or otherwise using our Services, you acknowledge that you have read, understood and agreed to be bound by these Terms.

If you do not agree with these Terms, you should not use the Services.

About TradeWithCEO

TradeWithCEO provides services relating to the purchase, sale, exchange and management of supported digital/virtual assets.

Our Services may include:

• buying supported crypto assets;
• selling supported crypto assets;
• exchanging supported crypto assets and/or fiat currencies;
• transaction quotations and rate confirmation;
• transaction processing and settlement;
• customer support and transaction assistance; and
• other digital-asset-related services that we may introduce from time to time.

The specific services available to you may depend on your location, eligibility, verification status, applicable law, regulatory requirements, transaction limits and our internal risk controls.

Important Regulatory Notice

TradeWithCEO operates subject to applicable laws and regulatory requirements.

Where a particular service requires regulatory registration, approval, licensing or other authorisation, TradeWithCEO will provide that service only to the extent legally permitted and within the scope of its applicable authorisation or regulatory status.

Nothing on this website should be interpreted as a representation that TradeWithCEO is licensed, approved or authorised by any regulator unless that status is expressly stated on this website and can be independently verified through the relevant regulator.

TradeWithCEO reserves the right to restrict, suspend or discontinue any service where required by law, regulation, regulatory direction, banking requirements, payment-provider requirements or internal risk controls.

Eligibility

You may use our Services only where you are legally permitted to do so.

We may require you to satisfy age, identity, residency, jurisdictional and other eligibility requirements before completing a transaction.

We may refuse to provide Services where:

• you do not satisfy applicable eligibility requirements;
• required identification or verification information is not provided;
• information provided is inaccurate, incomplete or misleading;
• the transaction presents unacceptable legal, regulatory, fraud, sanctions, AML/CFT or operational risk; or
• providing the Service would violate applicable law or regulatory requirements.

Customer Identification and KYC

To use certain Services, you may be required to complete Know Your Customer (“KYC”), Customer Due Diligence (“CDD”) or Enhanced Due Diligence (“EDD”) procedures.

We may request information including:

• full legal name;
• telephone number;
• email address;
• residential or business address;
• government-issued identification;
• proof of address;
• source-of-funds information;
• source-of-wealth information;
• beneficiary or counterparty information;
• wallet addresses;
• transaction information; and
• any other information reasonably required for compliance purposes.

We may use third-party verification, screening and compliance providers where necessary.

You agree to provide accurate, complete and current information and to promptly notify us of material changes.

Anti-Money Laundering and Sanctions

TradeWithCEO maintains controls designed to prevent its Services from being used for money laundering, terrorist financing, fraud, sanctions evasion or other unlawful activities.

We may monitor transactions and conduct risk-based reviews.

We may:

• request additional information or documentation;
• delay processing while a review is conducted;
• reject or cancel a transaction;
• restrict or suspend an account or transaction;
• report a transaction or activity to a competent authority where required or permitted by law; or
• take any other action reasonably necessary to comply with applicable law and our compliance policies.

We are not required to disclose the existence or details of a suspicious transaction report or other confidential regulatory filing where disclosure is prohibited.

Quotations and Exchange Rates

Before a transaction is completed, TradeWithCEO may provide a quotation specifying the applicable exchange rate, asset, amount, applicable charges and/or expected settlement amount.

A quotation is not necessarily a completed transaction.

Where TradeWithCEO expressly confirms that a rate has been locked, the rate will remain applicable subject to the conditions communicated to you at the time of confirmation.

A transaction may be cancelled, adjusted or rejected where:

• payment is not received within the specified period;
• the payment amount differs from the agreed amount;
• the asset or network selected is incorrect;
• required compliance checks are not completed;
• there is a material technical or settlement failure;
• fraud or suspicious activity is identified; or
• completion would violate applicable law or regulatory requirements.

Cryptocurrency Transactions

Digital-asset transactions may be irreversible once confirmed and broadcast to a blockchain network.

You are responsible for ensuring that:

• the correct asset is selected;
• the correct blockchain/network is selected;
• the correct wallet address is provided;
• the amount is correct; and
• all transaction details are reviewed before confirmation.

TradeWithCEO will not be responsible for losses arising solely from an incorrect wallet address, unsupported network, incorrect asset selection or other information incorrectly supplied by you, except where caused by our proven error or negligence.

Blockchain networks may experience congestion, delays, fees, forks, outages or other technical events beyond our control.

Payments

Payments must be made only through payment methods and accounts communicated or authorised by TradeWithCEO.

You must not make payments to unauthorised persons claiming to represent TradeWithCEO.

TradeWithCEO will not be responsible for payments made to fraudulent third parties where the customer failed to verify that the payment details were officially provided by TradeWithCEO.

We may request evidence of payment or additional information before processing a transaction.

Third-Party Services

We may rely on third-party service providers, including payment processors, banks, wallet providers, blockchain infrastructure providers, technology providers, identity-verification providers, compliance providers and communication platforms.

The availability of our Services may therefore depend on third-party systems.

We are not responsible for a third party’s independent acts, omissions, outages or policies, except to the extent liability cannot lawfully be excluded.

Fees and Charges

Applicable transaction fees, network fees, service charges, spreads or other charges will be communicated before or during the applicable transaction where reasonably practicable.

Third-party network or processing fees may apply.

You are responsible for any taxes or statutory charges imposed on you in connection with your transactions.

Prohibited Use

You must not use TradeWithCEO for:

• fraud or deception;
• money laundering;
• terrorist financing;
• sanctions evasion;
• proceeds of crime;
• unauthorised financial activity;
• impersonation;
• account takeover;
• phishing or other cybercrime;
• transactions involving stolen funds or assets;
• activities prohibited by applicable law; or
• any activity intended to circumvent our compliance controls.

Account and Communication Security

You are responsible for maintaining the confidentiality of your account, authentication information and communications.

You should never provide your password, OTP, authentication code, private key, seed phrase or other security credentials to any person claiming to be a TradeWithCEO employee.

TradeWithCEO will not request your private wallet key or seed phrase for the purpose of processing an ordinary transaction.

You must notify us promptly if you suspect unauthorised activity.

Intellectual Property

All TradeWithCEO branding, logos, website content, graphics, text, software, designs and other materials are owned by or licensed to TradeWithCEO unless otherwise stated.

You may not reproduce, modify, distribute, commercially exploit or create derivative works from our materials without prior written permission.

Website Information

Information published on the website is provided for general information and service-description purposes.

Market prices, asset values, charts and other information may change rapidly and may not represent the price applicable to your particular transaction.

Nothing on the website constitutes personalised investment, legal, accounting or tax advice. See our Disclaimers for more information.

Risk Disclosure

Digital assets involve significant risks, including price volatility, liquidity risk, technology risk, cybersecurity risk, fraud risk, regulatory risk, counterparty risk and the possibility of partial or total loss.

You are responsible for independently assessing whether a transaction is appropriate for you.

TradeWithCEO does not guarantee that any digital asset will increase in value or that you will make a profit.

Limitation of Liability

To the maximum extent permitted by applicable law, TradeWithCEO shall not be liable for indirect, incidental, consequential, special or punitive losses arising from your use of the Services.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Where liability is established against TradeWithCEO, the extent of such liability shall be determined in accordance with applicable law and the circumstances of the particular claim.

Indemnity

To the extent permitted by law, you agree to indemnify TradeWithCEO and its officers, employees, agents and service providers against claims, losses, liabilities and reasonable costs arising from:

• your breach of these Terms;
• your unlawful use of the Services;
• inaccurate information provided by you;
• fraudulent or unauthorised activity carried out through your account; or
• your violation of another person’s rights.

Suspension and Termination

We may suspend, restrict or terminate your access to the Services where reasonably necessary, including where:

• you breach these Terms;
• we are required to do so by law or a competent authority;
• compliance concerns arise;
• fraudulent or suspicious activity is detected;
• our banking, payment or technology partners require action; or
• continuing to provide the Service creates material legal, regulatory, security or operational risk.

Where legally permissible, we will provide appropriate notice or information regarding the reason for the restriction.

Complaints and Dispute Resolution

Customers should first contact TradeWithCEO through the official customer-support channels stated on the website.

We will review complaints in accordance with our internal complaints-handling procedures.

Where a dispute cannot be resolved through internal escalation, the parties may pursue the applicable dispute-resolution mechanism provided under Nigerian law and any specific agreement governing the relevant transaction.

Privacy

Your personal information is processed in accordance with our Privacy Policy.

By using the Services, you acknowledge that your information may be collected, used, stored and disclosed as reasonably necessary to provide the Services, satisfy legal obligations, conduct KYC/AML procedures, prevent fraud and protect our business and customers.

Changes To These Terms

We may update these Terms from time to time.

Updated Terms will be published on the website with a revised “Last Updated” date.

Your continued use of the Services after an update may constitute acceptance of the revised Terms where permitted by law.

Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria, unless applicable law requires otherwise.

Severability

If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions shall continue to apply.

Entire Agreement

These Terms, together with applicable transaction terms, policies and agreements expressly incorporated into them, constitute the agreement governing your use of the Services.