Terms & Conditions

GNL — Givers Network Leagues is a peer-to-peer mutual aid coordination platform. GNL operates strictly as a non-custodial matchmaking engine and does NOT hold, manage, or control member funds at any time. All financial transfers occur directly between member bank accounts. GNL is not a bank, investment company, money lending institution, or regulated financial product. Participation is entirely voluntary and based on mutual trust and community cooperation. GNL does not guarantee any returns, profits, or financial outcomes.

To register and participate on GNL, you must: (a) Be at least 18 years of age; (b) Be a resident of Nigeria with a valid Nigerian bank account; (c) Provide accurate, truthful personal information during registration; (d) Hold a valid government-issued ID for KYC verification; (e) Not be a politically exposed person (PEP) or subject to international sanctions; (f) Have legal capacity to enter into binding agreements under Nigerian law. GNL reserves the right to verify eligibility at any time and to suspend accounts that do not meet these requirements.

You are responsible for maintaining the confidentiality of your login credentials. You agree to: (a) Provide accurate and complete registration information; (b) Keep your password secure and not share it with third parties; (c) Notify GNL immediately of any unauthorized access to your account; (d) Accept full responsibility for all activities conducted under your account. GNL reserves the right to refuse registration or terminate accounts at its sole discretion. One person may only hold one active account. Creating duplicate accounts is strictly prohibited.

The GNL smart matching engine pairs members based on contribution amounts, account age, reliability scores, and availability. By participating: (a) You agree to fulfill all matched contribution commitments within the specified 12-hour settlement window; (b) Failure to pay within the window constitutes a default and will negatively impact your reliability score; (c) You acknowledge that GNL matching is automated and GNL bears no responsibility for individual peer behavior; (d) All contribution amounts must fall within the platform-configured minimum and maximum limits; (e) You may not transfer, assign, or sublease your matching position to another person.

All payments are made directly peer-to-peer via Nigerian bank transfers. GNL charges a platform service fee on successful transactions as disclosed at the time of contribution. (a) Fees are non-refundable once a match is confirmed; (b) Members must provide accurate bank account details — GNL bears no liability for funds sent to incorrect accounts; (c) GNL does not process refunds for completed peer-to-peer transfers; (d) Members are responsible for all applicable taxes and charges on their transactions; (e) Bank charges are the member's responsibility.

All members must complete KYC verification to unlock full platform functionality. Required documents include a valid government-issued ID (National ID, Voter's Card, International Passport, or Driver's License) and a selfie verification. (a) KYC data is processed in accordance with our Privacy Policy and Nigerian data protection laws; (b) Providing false KYC documents is a criminal offence and will result in immediate account termination and reporting to appropriate authorities; (c) GNL reserves the right to request additional documentation at any time; (d) KYC verification may take up to 48 hours to process.

The following activities are strictly prohibited and will result in immediate account termination and potential legal action: (a) Creating fake or duplicate accounts; (b) Providing fraudulent or forged KYC documents; (c) Defaulting on confirmed peer matches repeatedly; (d) Attempting to manipulate the matching algorithm; (e) Using the platform to launder money or fund illegal activities; (f) Harassing, threatening, or defrauding other members; (g) Attempting to gain unauthorized access to platform systems; (h) Sharing your account credentials with others; (i) Attempting to reverse or dispute legitimate bank transfers after confirmation.

In the event of a dispute between matched peers: (a) The aggrieved member must file a dispute through the platform's Dispute Desk within 24 hours of the settlement deadline; (b) Both parties must provide payment evidence (bank receipts, transaction screenshots); (c) GNL's dispute team will review evidence and issue a binding decision within 5-7 business days; (d) Decisions by GNL's dispute team are final and binding; (e) GNL may apply penalties to the defaulting party including reliability score reduction, temporary suspension, or permanent ban. GNL's dispute resolution is a good-faith mediation service only and does not constitute legal arbitration.

GNL reserves the right to suspend or permanently terminate your account for: (a) Violation of these Terms & Conditions; (b) Repeated defaults on peer contributions; (c) Suspected fraudulent activity; (d) Failure to complete KYC within the specified period; (e) Inactivity for more than 12 months; (f) At GNL's discretion for any reason. Upon termination, you forfeit any pending matching position. GNL is not liable for losses arising from account termination.

TO THE FULLEST EXTENT PERMITTED BY LAW, GNL SHALL NOT BE LIABLE FOR: (a) Losses arising from peer defaults or non-payment; (b) Technical failures, system downtime, or data loss; (c) Unauthorized access to your account due to your negligence; (d) Losses arising from platform maintenance or suspension; (e) Indirect, consequential, or punitive damages of any kind. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE PLATFORM IS TO DISCONTINUE USE. GNL's maximum aggregate liability shall not exceed the total platform fees paid by you in the 3 months preceding any claim.

Your use of the GNL platform is also governed by our Privacy Policy, which is incorporated into these Terms by reference. By using GNL, you consent to the collection, processing, and storage of your personal data as described in our Privacy Policy. GNL complies with the Nigeria Data Protection Regulation (NDPR) and applicable data protection laws.

GNL reserves the right to modify these Terms at any time. Material changes will be communicated via email or platform notice at least 7 days before taking effect. Continued use of the platform after changes constitutes acceptance of the revised Terms. These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of Nigerian courts.