1. INTRODUCTION AND ACCEPTANCE

Welcome to the services provided by WRKR Holding Co. and its subsidiaries, including Piipul, Slice Finance, and Uhuru (collectively, ”WRKR ”, ”we ”, ”our ”, or ”us”). These Terms of Service (”Terms”) govern your access to and use of our websites, applications, platforms, digital infrastructure solutions, and related services (collectively, ”Services”).

Please read these Terms carefully before accessing or using our Services. By accessing or using any part of our Services, you agree to be bound by these Terms. If you do not agree to all the terms and conditions of this agreement, you may not access or use any of our Services.

1.1 Definitions

• Account means your registered account with WRKR that allows you to access and use the Services.
• Content means all information, data, text, software, graphics, videos, and other materials that we make available through the Services or that users submit or post to the Services.
• Government Partners means the government agencies and entities that contract with WRKR for the provision of Services.
• User, ”you,” and ”your” refer to any individual or entity that accesses or uses the Services.
• Personal Information means information that identifies or can be used to identify you, as defined in our Privacy Policy.

1.2 Regional Applicability

These Terms are designed to be applicable globally, with specific provisions addressing regional variations where necessary:

• Africa: Our Services are tailored to meet local requirements while maintaining global standards.
• Europe: Additional consumer protections and data rights apply for users in the EU, EEA, UK, and Switzerland.
• Americas: Regional-specific provisions address local consumer protection laws and regulatory requirements.
• Asia-Pacific: We comply with applicable regional consumer and data protection frameworks.
• Middle East and North Africa: We respect local legal frameworks while maintaining our global standards for service delivery.

Where any provision of these Terms conflicts with mandatory local law in your jurisdiction, such local law will prevail to the extent required, but all other provisions will remain in full effect.

3. USER ACCOUNTS AND REGISTRATION

3.1 Account Creation

To access certain features of our Services, you may need to create an Account. When you create an Account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your Account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access to your Account
• Be responsible for all activities that occur under your Account

3.2 Account Types

Different types of Accounts may be available based on your status as:

• Individual citizen
• Government employee or representative
• Business entity representative
• System administrator

Each Account type carries different access levels, functionalities, and responsibilities.

3.3 Government Entity Accounts

For government entities, additional terms may apply:

• User roles must be assigned by authorized administrators
• Government Account creation may require formal authorization
• Special access privileges must comply with relevant administrative procedures
• Government users are responsible for maintaining appropriate security clearances

3.4 Account Termination

We reserve the right to terminate or suspend your Account at any time for any reason, including violation of these Terms. You may terminate your Account by following the instructions on our Services or by contacting us directly.

4. USER RESPONSIBILITIES AND CONDUCT

4.1 General Conduct Requirements

When using our Services, you agree not to:

• Violate any applicable law, regulation, or these Terms
• Infringe the rights of others, including privacy and intellectual property rights
• Use the Services for any illegal, harmful, or unauthorized purpose
• Interfere with or disrupt the Services or networks connected to the Services
• Attempt to gain unauthorized access to any portion of the Services
• Use automated means to access or collect data from the Services
• Impersonate others or misrepresent your affiliation
• Submit false or misleading information
• Use the Services in a way that could disable or impair them

4.2 User Content

• You retain ownership of submitted Content, subject to licenses granted
• You grant WRKR a global license to use your Content to provide and improve the Services
• You are responsible for your Content and must ensure it does not violate any rights or laws

4.3 Government Data and Citizen Information

• Government data remains property of the respective government
• Citizen data is subject to privacy laws and WRKR’s Privacy Policy
• Official records may have special handling requirements
• Confidentiality may be mandatory for certain information

4.4 Security Obligations

• Follow all security requirements and procedures
• Keep authentication credentials confidential
• Use secure computing practices
• Report security issues promptly
• Do not probe or test WRKR’s system vulnerabilities

5. PAYMENT TERMS

5.1 Fees and Billing

• Fees are provided at point of purchase or as outlined in agreements
• Fees are exclusive of taxes unless specified
• WRKR may update fees with notice
• Government pricing may follow special procurement terms
• Payments are handled by financial partners

5.2 Payment Methods

• Accepted methods listed on payment platforms
• You authorize charges using the method you provide
• Recurring billing requires your ongoing authorization
• You must maintain accurate billing info

5.3 Refunds

• Refunds vary by Service and are shown during purchase
• Government-related refunds follow administrative processes
• Fraudulent refund requests may be denied

6. INTELLECTUAL PROPERTY RIGHTS

6.1 WRKR Intellectual Property

All materials and content in our Services—including software, text, images, trademarks, logos, and other materials—are owned by or licensed to WRKR and are protected by intellectual property laws.

6.2 License to Use Services

We grant you a limited, non-exclusive, non-transferable, and non-sublicensable license to access and use our Services in accordance with these Terms.

6.3 Restrictions

• Do not copy, modify, or create derivative works from the Services
• Do not reverse engineer or decompile the Services
• Do not remove proprietary notices
• Do not sublicense or commercially exploit the Services
• Do not use WRKR intellectual property to build competing services

6.4 Government IP Rights

Ownership of intellectual property for government-customized solutions is governed by separate agreements. WRKR retains ownership of pre-existing intellectual property unless otherwise specified.

6.5 Feedback

If you provide feedback, WRKR may use it without restriction and without compensating you.

7. PRIVACY AND DATA PROTECTION

7.1 Privacy Policy

Our Privacy Policy explains how we collect, use, and protect your personal data. By using our Services, you agree to our data practices described therein.

7.2 Regional Data Protection Laws

WRKR complies with relevant privacy laws including the NDPR, POPIA, GDPR, CCPA, LGPD, PIPEDA, and others across the regions we serve.

7.3 Data Processing

• WRKR acts as a data processor for client data and processes data in accordance with instructions from data controllers
• Data controllers determine the purpose and means of processing
• Processing complies with legal and contractual obligations

7.4 Cross-Border Data Transfers

• We transfer data internationally using mechanisms like Standard Contractual Clauses and Adequacy Decisions
• Government data may be subject to data localization requirements
• We comply with data residency laws in applicable jurisdictions

7.5 Data Subject Rights

Depending on your location, you may have rights to access, correct, delete, and restrict the use of your data. You may also object to processing or request portability.

7.6 Data Retention

• We retain data based on our retention policies and legal obligations
• Retention periods vary by data type and region
• You may request deletion where legally permitted
• Some data is retained for compliance or operational needs

8. THIRD-PARTY SERVICES AND LINKS

8.1 Third-Party Services

Our Services may contain links to or integrate with third-party websites, applications, or services. We are not responsible for the content, policies, or practices of these third parties. Use of third-party services is governed by their own terms and policies.

8.2 Government Partner Services

• Additional terms may apply for integrated government systems
• We are not responsible for systems beyond our control
• Availability of services may depend on government infrastructure
• Government-specific implementations may require compliance with local terms

8.3 Payment Processors

Payment processing services are provided by authorized third-party processors. Use of these services is subject to their terms and policies, and may vary by region.

8.4 Regional Service Providers

• Ensure compliance with local regulations
• Support regional infrastructure and performance needs
• Address local data sovereignty requirements
• Offer local customer support where applicable

8.5 International Sanctions and Trade Compliance

Our Services are subject to international trade laws. Access may be restricted in sanctioned regions or to restricted individuals. You agree to comply with all applicable international trade laws.

9. DISCLAIMER OF WARRANTIES

9.1 Services Provided ”As Is”

The Services are provided on an ”as is” and ”as available” basis, without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose.

9.2 No Guarantees

• We do not guarantee that the Services will be uninterrupted or error-free
• We do not guarantee security or freedom from harmful components
• We do not guarantee that results will meet your expectations

9.3 Service Levels for Government Partners

Government partners may have additional service level commitments in separate agreements.

9.4 Regional Warranty Limitations

Some jurisdictions do not allow the exclusion of warranties. In those regions, limitations apply only to the extent permitted by law. Statutory rights under consumer law remain unaffected.

10. LIMITATION OF LIABILITY

10.1 Liability Cap

To the fullest extent permitted by law, WRKR shall not be liable for indirect, incidental, special, consequential, or punitive damages including lost profits, data, or goodwill.

10.2 Total Liability

Our total liability under these Terms is limited to the greater of the amount you paid to use our Services or, at our option, to re-performing the Services.

10.3 Government Liability Limits

For government entities, liability may be further limited by applicable laws related to sovereign immunity and statutory liability caps.

10.4 Regional Liability Limitations

Some jurisdictions impose mandatory liability terms that override these limitations. In those cases, local law prevails. This includes statutory protections in the EU, Australia, Canada, Brazil, and other regions.

11. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless WRKR, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property and privacy rights
• Any Content submitted by you that causes harm to a third party

This indemnification obligation survives termination of these Terms and your use of the Services.

11.1 Regional Indemnification Limitations

Indemnification provisions are subject to regional consumer protection laws. In jurisdictions such as the EU, Australia, Brazil, and others, the scope of indemnity may be limited to the extent permitted by law.

12. GOVERNING LAW AND DISPUTE RESOLUTION

12.1 Governing Law

These Terms are governed by the laws of Nigeria, unless local law requires otherwise. Your consumer rights under mandatory law in your jurisdiction remain unaffected.

12.2 Dispute Resolution

Disputes will first be resolved through good-faith negotiations. If unresolved, disputes will be settled by arbitration in Abuja, Nigeria under the Arbitration and Conciliation Act.

Regional variations may apply:

• EU/EEA/UK: You may bring proceedings in your place of residence.
• US/Canada: Arbitration may follow AAA or ADRIC rules respectively.
• Asia-Pacific: Local dispute procedures may be available upon request.
• Latin America: Local consumer law may override these arbitration terms.

12.3 Government Disputes

Disputes involving government entities may be subject to administrative courts, sovereign immunity, or special contract provisions.

12.4 Waiver of Class Actions

To the extent permitted by law, all disputes must be resolved individually. Class, collective, or representative actions are not permitted unless required by local law.

12.5 Limitation on Time to File Claims

Any claim must be brought within one (1) year from the date it arose, unless a longer period is required by law in your jurisdiction.

13. MODIFICATIONS TO SERVICES

13.1 Changes to Services

We may modify or discontinue any part of the Services at any time, temporarily or permanently, without prior notice. You agree that we are not liable for any such changes.

13.2 Maintenance and Updates

We may perform maintenance or release updates for the Services. While we aim to minimize disruption, we do not guarantee continuous availability.

13.3 Government Service Modifications

• Changes may be subject to formal government change management processes
• Critical services may have continuity requirements
• Advance notice of modifications may be required under government agreements

14. AMENDMENTS TO TERMS

14.1 Changes to Terms

We may revise these Terms at any time. If we make material changes, we will notify you via email or through the Services. Your continued use of the Services constitutes acceptance.

14.2 Material Changes

Material changes become effective 30 days after notification unless they are required by law or relate to new functionality, in which case they take effect immediately.

14.3 Rejection of Changes

If you do not agree to the revised Terms, you must stop using the Services. Continued use after the effective date signifies your acceptance of the changes.

15. GENERAL PROVISIONS

15.1 Entire Agreement

These Terms, along with our Privacy Policy and other legal notices, constitute the entire agreement between you and WRKR regarding use of the Services.

15.2 Language

These Terms are prepared in English. If translated, the English version will prevail where permitted by law. Regional versions may apply based on local legal requirements.

15.3 Severability

If any part of these Terms is found invalid, the remaining provisions remain in effect. Local law may modify how this clause is applied.

15.4 No Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other.

15.5 Assignment

You may not assign your rights or obligations under these Terms without our consent. We may assign these Terms freely.

15.6 Force Majeure

We are not liable for delays or failures due to events beyond our control, such as natural disasters, war, civil unrest, or government actions.

15.7 Relationship of Parties

These Terms do not create a partnership, joint venture, agency, or employment relationship.

15.8 Headings and Interpretation

Section titles are for convenience and do not affect interpretation. ”Including” means ”including without limitation.”

15.9 Survival

Provisions that by nature should survive termination will remain in effect, including disclaimers, indemnities, and limits on liability.

15.10 Export Control

You agree not to use or export the Services in violation of applicable export laws. You affirm you are not located in or affiliated with any sanctioned territory.

15.11 Government Users

U.S. government users acknowledge the Services are ”Commercial Items” subject to applicable restrictions. Equivalent provisions apply globally.

15.12 Regional Legal Compliance

Where any provision of these Terms conflicts with local laws, such local law applies to the extent required. Other provisions remain effective.

15.12.1 Regional-Specific Provisions

• EU/EEA: Statutory rights are unaffected. Terms apply to the extent allowed by EU law.
• Australia/New Zealand: Consumer guarantees under law are preserved.
• Latin America: Consumer rights laws supersede any conflicting provisions.
• Asia-Pacific: Provisions are adapted for regional privacy and consumer laws.
• Africa: Local consumer protection frameworks apply in addition to these Terms.

15.13 Taxes and Duties

You are responsible for all taxes and fees incurred through your use of the Services, except for WRKR's income taxes. Compliance with tax laws is your responsibility.

16. COMPLIANCE WITH LOCAL LAWS

16.1 Regional Compliance

WRKR strives to comply with all applicable local laws in the regions where our Services are available. This includes, but is not limited to:

• Africa: Compliance with data protection laws (such as NDPR in Nigeria and POPIA in South Africa), electronic transaction laws, consumer protection regulations, and sector-specific requirements for financial services and government operations.
• Europe: Compliance with GDPR, ePrivacy Directive, Digital Services Act, Digital Markets Act, consumer rights directives, and other EU and national regulations.
• Americas: Compliance with federal and state/provincial laws including CCPA/CPRA, LGPD, PIPEDA, FTC regulations, state privacy laws, and electronic transaction frameworks.
• Asia-Pacific: Compliance with data protection laws (such as PDPA in Singapore, APPI in Japan, Privacy Act in Australia), consumer protection frameworks, and cybersecurity regulations.
• Middle East and North Africa:: Compliance with data protection regulations, electronic transaction laws, and sector-specific regulations.

16.2 Sector-Specific Compliance

• Government Service Standards: Relevant public sector standards and accessibility requirements
• Financial Sector Regulations: Banking and payment regulations applicable to our payment solutions.
• Identity Verification Requirements: KYC/AML regulations applicable to identity verification services.
• Critical Infrastructure Standards: Security standards for critical national infrastructure.
• Telecommunications Regulations: Relevant aspects of telecommunications law that apply to digital infrastructure.

16.3 Service Availability by Region

Availability of Services may vary by region due to legal, technical, or regulatory reasons. Some features may be limited or modified to meet local requirements.

16.4 Consumer Rights Notice

These Terms do not limit your non-waivable consumer rights. Where a term conflicts with mandatory local rights, the local law prevails.

17. INTERNATIONAL OPERATIONS AND DATA GOVERNANCE

17.1 Cross-Border Operations

As a company operating across multiple continents, we comply with the following principles:

• Interoperability: Our systems are designed to operate across jurisdictions while respecting local requirements.
• Data Sovereignty: We respect data sovereignty requirements where applicable .
• Standards Alignment: We align with international standards while accommodating regional variations.
• Local Customization: We customize our Services to meet local requirements while maintaining global compatibility.

17.2 International Standards Compliance

Our Services are designed to comply with relevant international standards, including:

• ISO/IEC 27001 (Information Security Management)
• ISO/IEC 27018 (Protection of PII in Public Clouds)
• Payment Card Industry Data Security Standard (PCI DSS)
• NIST Cybersecurity Framework
• Open API standards for interoperability
• International accessibility standards (WCAG 2.1)

17.3 Local Representatives

17.3 Local Representatives

In jurisdictions where required by law, we maintain local representatives or entities to ensure compliance with regional requirements. Contact information for regional representatives can be obtained by contacting us at legal@getwrkr.com.

18. CONTACT INFORMATION

If you have any questions about these Terms, please contact us at:

WRKR Holding Co.

• Email: support@getwrkr.com
• Website: www.getwrkr.com
• Phone: +1-646-631-6118

Regional Contacts:

• Africa (Primary): legal.africa@getwrkr.com
• Europe: legal.europe@getwrkr.com
• Americas:legal.americas@getwrkr.com
• Asia-Pacific: legal.apac@getwrkr.com

For legal notices, please write to our registered address or email legal@getwrkr.com.

By using our Services, you acknowledge that you have read and understood these Terms and agree to be bound by them.