Terms of Service

• Spendhood Ltd. operates the platform. We provide the software, payment collection, receipts, and support that let Nigerian organizations run fundraising campaigns and receive donations.
• Each organization is responsible for its campaigns. The description of a campaign, the goal, and the use of donated funds are the responsibility of the organization running it. Organizations on Spendhood are verified Nigerian entities (Corporate Affairs Commission registration) and are expected to comply with applicable Nigerian law, including SCUML requirements where relevant.
• Donors give directly to organizations. A donation through Spendhood is a gift to the organization running the campaign — it is not a payment to Spendhood for goods or services, and it does not create any shareholder, creditor, or other legal interest in the organization for the donor.

You must be at least 18 years old and have the legal capacity to make a donation or hold an account. Organization accounts are available to registered nonprofit organizations; they are opened by authorized representatives of the organization and are subject to our verification checks. You are responsible for the security of your account, including your credentials and two-factor authentication settings, and for all activity under it.

Donations are made in Nigerian Naira (NGN) unless a campaign states otherwise. International cards are accepted where your card issuer permits the payment; the amount charged in your local currency is determined by your card issuer's exchange rate. Every completed donation receives a receipt, which can be verified on our Verify a Receipt page. You may cancel a recurring donation at any time (see our Refund Policy).

Donations are processed through licensed Nigerian payment service providers — Paystack (Paystack Ghana Ltd, Nigerian license) and Flutterwave — under their payment terms. Your card details are entered on the provider's secure hosted page and never reach our servers.

Revlos Limited acts solely as a collection partner. It does not operate, control, or endorse the platform or any campaign, and it is not responsible for the content, conduct, or obligations of organizations using Spendhood.

Where a fee applies to a donation or campaign, the total amount you pay and any fee breakdown are shown on the donation form before you confirm the payment. Platform and payment-processing fees payable by receiving organizations are deducted from donations before disbursement, as disclosed at the point of donation.

Refunds of donations are governed by our Refund Policy, which forms part of these Terms. If you believe a campaign or organization has acted unlawfully or misrepresented a campaign, contact support@spendhood.com — we investigate reports and may suspend campaigns or organizations where warranted.

You must not, among other things:

• use Spendhood for unlawful purposes, to raise funds for illegal activities, or for campaigns that misrepresent their purpose;
• make donations with stolen card details, through another person's account, or otherwise engage in payment fraud — we report suspected fraud and money-laundering to the authorities, including SCUML, and cooperate with payment providers' investigations;
• attempt to interfere with the platform's security, scrape the service, or resell access to it; or
• impersonate any person or organization, or misuse the platform to harass or deceive donors or organizations.

We may suspend or terminate accounts, campaigns, and payouts where we reasonably suspect a breach of these Terms, fraud, or legal or regulatory exposure, including obligations under Nigerian anti-money-laundering law (record-keeping and transaction reporting).

Our handling of personal data — including the roles of organizations, Spendhood, payment providers, and our collection partner — is described in the Privacy Policy, which also explains your rights under the Nigeria Data Protection Act (NDPA) 2023.

The Spendhood name, logo, and platform are the property of Spendhood Ltd. Organizations retain ownership of the content they publish. By publishing campaign content, an organization grants Spendhood the limited right to host and display it for the purpose of operating and promoting the campaign on the platform. Donors retain rights to impact messages they write and grant the same limited right.

The platform is provided on an "as is" basis. While we verify organizations and apply payment screening, we cannot guarantee that every campaign achieves its goal or that every representation made by an organization is accurate, and we do not warrant uninterrupted availability of the service. To the maximum extent permitted by Nigerian law, Spendhood Ltd.'s total liability arising from your use of the platform is limited to the amount of the relevant donation(s), and we are not liable for indirect or consequential loss. Nothing in these Terms excludes liability that cannot be excluded by law.

We may update these Terms; material changes update the Effective Date and Version above, and we notify registered users by email or in-platform notice. These Terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have jurisdiction over disputes arising from them.

Spendhood Ltd. — RC 9812302, 5 Erie Close, Maitama, Abuja, Nigeria · Support: support@spendhood.com · Privacy: privacy@spendhood.com

Revlos Limited (payment collection partner) — RC 8188009, 5 Erie Close, Maitama, Abuja, Nigeria. See our Contact page for full contact details.