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Website Terms of Use

NairaLedger Technologies Ltd · NL-LEGAL-WEB-001 v1.0 · Effective 20 August 2026 · General: info@nairaledger.com · Privacy: privacy@nairaledger.com

1. About these Terms

These Website Terms of Use (“Terms”) govern your access to and use of the website operated by NairaLedger Technologies Ltd (“NairaLedger”, “we”, “us” or “our”), including the website available at www.nairaledger.com, its webpages, resources, early-access registration facilities and other website-based services made available by NairaLedger. By accessing, browsing or using this website, you agree to use it in accordance with these Terms and applicable law. If you do not agree with these Terms, you should discontinue use of the website.

These Terms apply to the corporate website and related pre-launch activities. They are not the final customer subscription or software-service agreement for EdgePlus. Separate terms and contractual arrangements will apply to customers who subscribe to or use the production version of EdgePlus.

2. About NairaLedger

NairaLedger Technologies Ltd is a technology company developing financial-management infrastructure and software solutions designed to support businesses, professionals and advisors. Our flagship product, EdgePlus, is being developed as a cloud-based accounting and business-management platform designed to support SMEs, self-employed professionals, accountants and advisors. Information concerning EdgePlus on this website may describe:

Unless expressly stated otherwise, descriptions of planned or proposed functionality should not be interpreted as representing that the functionality is currently commercially available.

3. Website purpose

The NairaLedger website is intended to provide information about NairaLedger Technologies Ltd. and EdgePlus; communicate our business and product vision; provide information for SMEs, accountants, advisors, investors and other stakeholders; facilitate early-access and waitlist registration; publish company, product and educational information; support investor and stakeholder engagement; provide contact and enquiry facilities; and communicate product-development and launch information. The website is primarily informational and pre-launch in nature.

4. Eligibility and appropriate use

You may use this website only where your use is lawful. By submitting information through the website, you represent that:

Where you provide information on behalf of a business or organisation, you represent that you have appropriate authority to provide such information.

5. EdgePlus development status

EdgePlus is currently under development. Product screenshots, prototypes, workflow demonstrations, financial-centre interfaces, dashboards, reports and other product materials displayed on this website may represent prototypes, demonstration environments, illustrative sample data, conceptual workflows, proposed functionality or functionality under active development. They should not automatically be interpreted as representations that the functionality is currently available in a production environment. NairaLedger may modify product functionality, interface design, workflows, integrations, modules, technical architecture, pricing, subscription plans, release dates, roadmap priorities and other product characteristics as development progresses.

6. Product roadmap and future features

The website may refer to future or planned functionality. Roadmap information is provided for general informational purposes and reflects NairaLedger's intentions or expectations at the time of publication. Product-development priorities may change due to customer feedback, technical considerations, regulatory or security requirements, market conditions, commercial priorities, integration availability, testing results or other business considerations. Unless NairaLedger expressly enters into a written contractual commitment stating otherwise, roadmap information does not constitute a binding commitment to deliver a particular feature by a particular date.

7. Early access and waitlist

The website may allow users to register for the EdgePlus waitlist, early-access opportunities, beta testing, product demonstrations, research activities or launch communications. Joining the waitlist does not:

NairaLedger may determine the timing, availability and eligibility criteria for early-access participation.

8. Waitlist information

When registering for early access or joining the waitlist, you agree to provide information that is reasonably accurate and current. You should not impersonate another person; submit another person's information without appropriate authority; submit false or misleading information; use automated methods to generate registrations; interfere with the integrity of the waitlist; or attempt to manipulate waitlist metrics. NairaLedger may remove registrations that appear fraudulent, duplicated, automated, abusive or otherwise inappropriate. Personal data submitted through the waitlist is processed in accordance with the NairaLedger Privacy Policy and applicable privacy notices.

9. Communications

Where you provide the appropriate consent, NairaLedger may send communications concerning EdgePlus early access, beta testing, product-development updates, product launches and related information. Where you separately elect to receive corporate, investor, partnership or other communications, those preferences will be administered in accordance with applicable data-protection and electronic-communications requirements. Where processing relies upon consent, you may withdraw your consent or unsubscribe using the mechanism provided in the communication or by contacting privacy@nairaledger.com.

10. No professional advice

Information made available through the NairaLedger website is provided for general informational and educational purposes. Unless expressly agreed through a separate professional engagement, information on this website does not constitute personalised accounting, tax, legal, investment, financial, audit, regulatory or other professional advice. You should obtain appropriate professional advice where your circumstances require it. NairaLedger's development of accounting, tax, compliance or financial-management software does not mean that general information displayed on the website constitutes a professional opinion concerning a particular person's or organisation's affairs.

11. Accounting, tax and compliance information

The website may discuss accounting, taxation, VAT, withholding tax, payroll, reporting, regulatory compliance or related subjects. Such information may be simplified for explanatory purposes; change as laws or regulations change; depend upon individual circumstances; differ between jurisdictions; and require professional interpretation. NairaLedger does not warrant that general website content will be appropriate for every organisation or transaction. Users remain responsible for obtaining professional advice and complying with applicable laws and regulatory obligations.

12. No investment offer

Information concerning NairaLedger's business, strategy, market opportunity, roadmap, growth plans or investment objectives appearing on the public website is provided for general corporate information. Unless expressly stated in legally appropriate offering documentation, nothing on the public website constitutes an offer to sell securities, an invitation to subscribe for securities, investment advice, a recommendation to acquire an investment, or an investment prospectus or offering memorandum. Any investment opportunity involving NairaLedger will be governed by the specific legal documentation applicable to that transaction.

13. Intellectual property

Unless otherwise stated, the website and its content are owned by, licensed to, or otherwise lawfully used by NairaLedger Technologies Ltd. This includes, as applicable, text, graphics, logos, product names, brand elements, icons, interface designs, product screenshots, prototypes, workflow designs, diagrams, documents, illustrations, software concepts, website design, videos, presentations and other materials. These materials are protected by applicable intellectual-property laws.

14. NairaLedger and EdgePlus branding

NairaLedger, EdgePlus, associated logos, product identities, taglines and other branding displayed on the website may constitute trademarks, registered trademarks, pending trademarks, trade names or other proprietary identifiers of NairaLedger Technologies Ltd, as applicable. Nothing in these Terms grants a user a licence to use NairaLedger branding except with prior written permission or as otherwise permitted by law. You must not use NairaLedger or EdgePlus branding in a manner that suggests an unauthorised partnership or endorsement, creates confusion about ownership, misrepresents your relationship with NairaLedger, or infringes NairaLedger's intellectual-property rights.

15. Limited permission to use website content

NairaLedger grants visitors a limited, revocable, non-exclusive and non-transferable permission to access and use the website for legitimate personal, professional or business-information purposes. Unless otherwise permitted by law or authorised in writing, you must not:

16. Acceptable use

You must not use the website to violate applicable law; commit or facilitate fraud; transmit malicious software; introduce viruses or harmful code; gain unauthorised access to systems; interfere with website availability; probe or test systems without authorisation; bypass access or security controls; harvest personal data; send unsolicited communications; impersonate NairaLedger or another person; infringe intellectual-property rights; interfere with another person's use of the website; submit malicious, unlawful or abusive content; or use automated systems in a manner that materially burdens the website. NairaLedger may restrict access where reasonably necessary to protect the website, users, infrastructure or other legitimate interests.

17. Security research

Nothing in these Terms authorises users to conduct penetration testing, vulnerability scanning, security testing or other intrusive testing of NairaLedger systems without prior written authorisation. If you believe you have identified a security vulnerability, please report it responsibly through NairaLedger's designated contact channel rather than attempting to exploit the issue. NairaLedger may establish a separate responsible-disclosure process as its technology infrastructure develops.

18. Privacy and data protection

NairaLedger processes personal data in accordance with applicable data-protection requirements and our published privacy information. Please review the NairaLedger Privacy Policy, the Cookie Notice, and any specific privacy notice presented when information is collected. Privacy enquiries and data-subject requests should be directed to privacy@nairaledger.com.

19. Cookies and tracking technologies

The website may use cookies and similar technologies for purposes including essential functionality, security, preferences, performance and analytics. Where consent is required for non-essential technologies, visitors will be provided with appropriate privacy choices. Further information is provided in the NairaLedger Cookie Notice. Visitors may change applicable preferences through the website's Privacy Choices functionality.

20. Third-party services and links

The website may contain links to websites, applications or services operated by third parties. NairaLedger does not control independent third-party services and is not responsible for their content, availability, security, accuracy, privacy practices, contractual terms or business practices. The inclusion of a third-party link does not necessarily constitute an endorsement. You should review the applicable terms and privacy information before using third-party services.

21. Third-party technology providers

NairaLedger may use third-party technology providers to support website functionality, hosting, databases, email delivery, analytics, security and other operational requirements. The use of such providers does not necessarily create a contractual relationship between a website visitor and the provider. Personal-data processing involving service providers is addressed in the NairaLedger Privacy Policy and applicable data-processing arrangements.

22. Website availability

NairaLedger seeks to maintain a reliable website but does not guarantee uninterrupted or error-free availability. The website may occasionally be unavailable because of maintenance, upgrades, infrastructure issues, cybersecurity incidents, third-party service interruptions, internet disruptions or circumstances outside NairaLedger's reasonable control. NairaLedger may modify, suspend or discontinue portions of the website where reasonably necessary.

23. Accuracy of website information

NairaLedger seeks to provide accurate and useful information. However, the website may occasionally contain typographical errors, outdated information, incomplete information, technical inaccuracies or information affected by subsequent developments. NairaLedger may update website content without prior notice. Where information is particularly important to a business, investment, legal, accounting or financial decision, users should independently verify it before relying upon it.

24. Illustrative and demonstration data

Product demonstrations, screenshots and prototypes may contain fictional, simulated, anonymised or illustrative information. Such information is provided to demonstrate anticipated product functionality and should not be interpreted as actual financial information relating to a real person or organisation unless expressly stated otherwise. Financial results displayed in product demonstrations do not represent guaranteed outcomes.

25. User-submitted information

Where the website allows you to submit enquiries, feedback, survey responses or other information, you remain responsible for ensuring that you have the right to provide that information. You should avoid submitting unnecessary sensitive personal information, confidential information belonging to another organisation without authority, unlawful content, malicious code, or information that infringes another person's rights. Submission of feedback does not transfer ownership of unrelated pre-existing intellectual property to NairaLedger. However, where you voluntarily provide general product suggestions or feedback, NairaLedger may use that feedback for legitimate product-development and business-improvement purposes, subject to applicable confidentiality and contractual obligations.

26. Investor and stakeholder materials

The website may contain high-level information prepared for investors, advisors, partners or other stakeholders. Such materials may include projections, targets, market estimates, development plans or forward-looking information. Forward-looking information is inherently uncertain. Actual results may differ due to market conditions, development outcomes, funding, regulation, competition, customer adoption, technology, economic conditions and other risks. Website information should not replace formal due diligence or transaction documentation.

27. Disclaimer of warranties

To the extent permitted by applicable law, the public website and its informational content are provided on an “as available” and “as is” basis. NairaLedger does not make warranties beyond those that cannot lawfully be excluded. In particular, NairaLedger does not warrant that the website will always be available; that all content will always be complete or current; that every planned EdgePlus feature will be released; that the website will meet every visitor's individual requirements; or that general website information is suitable as professional advice. Nothing in these Terms excludes any warranty or obligation that cannot lawfully be excluded.

28. Limitation of liability

To the extent permitted by applicable law, NairaLedger will not be liable for indirect, incidental, consequential or special loss arising solely from reliance upon general informational content on the public website. This may include, where legally permissible, loss of anticipated profits, loss of business opportunity, indirect business interruption or consequential losses arising from reliance on non-contractual website information. This limitation does not apply where liability cannot lawfully be excluded or limited. The liability provisions applicable to paying EdgePlus customers will be addressed separately in the applicable EdgePlus subscription or service agreement.

29. Indemnity

To the extent permitted by applicable law, you may be responsible for losses, liabilities, claims or reasonable costs arising directly from your unlawful use of the website, deliberate infringement of NairaLedger's rights, or material breach of these Terms. This provision does not create liability beyond what is permitted under applicable law.

30. Suspension and restriction

NairaLedger may restrict or suspend access to website functionality where reasonably necessary to protect website security, investigate suspected abuse, comply with law, protect other users, prevent fraud, respond to cybersecurity threats or enforce these Terms. Where appropriate and reasonably practicable, proportionate measures will be used.

31. Changes to the website

NairaLedger may change website design, content, navigation, features, pages, early-access functionality, product information and other website elements as the company and EdgePlus develop. Material changes affecting personal-data processing will be handled in accordance with applicable privacy requirements.

32. Changes to these Terms

NairaLedger may update these Terms from time to time to reflect changes in law, regulatory requirements, changes to website functionality, changes to our business, security requirements or other operational developments. The current version and effective date will be published on the website. Continued use of the website following an update constitutes acceptance of the updated Terms to the extent permitted by applicable law. Where a separate affirmative acceptance is legally required, NairaLedger will implement an appropriate acceptance mechanism.

33. Relationship with other agreements

These Terms govern use of the public NairaLedger website. They do not replace separate agreements that may govern EdgePlus subscriptions, beta participation, software licensing, data processing, confidentiality, investments, advisory engagements, partnerships, employment, professional services or other commercial relationships. Where a specific written agreement between you and NairaLedger conflicts with these Website Terms regarding the subject matter of that agreement, the specific written agreement will generally govern that subject matter.

34. Severability

If any provision of these Terms is found by a competent authority to be invalid, unlawful or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

35. No waiver

Failure by NairaLedger to enforce a provision of these Terms on one occasion does not constitute a waiver of the right to enforce that provision or another provision later.

36. Governing law and jurisdiction

These Terms shall be governed by the laws of the Federal Republic of Nigeria, subject to any mandatory laws that may apply to a user in another jurisdiction and cannot lawfully be excluded. Any dispute arising from these Terms shall be handled in accordance with applicable law and any dispute-resolution mechanism NairaLedger may lawfully establish. Nothing in these Terms prevents either party from exercising rights or remedies available under mandatory applicable law.

37. Regulatory compliance

NairaLedger seeks to develop and operate its website and services in accordance with applicable legal and regulatory requirements. Depending on the activity concerned, these may include requirements relating to data protection and privacy, cybersecurity, corporate law, intellectual property, electronic communications, consumer protection, taxation and other laws applicable to NairaLedger's operations. References to regulatory readiness on the website should not be interpreted as a representation that every future EdgePlus module, integration or jurisdictional requirement has already received regulatory approval.

38. Contact information

For general questions concerning NairaLedger or the website: NairaLedger Technologies Ltd, general enquiries info@nairaledger.com, website www.nairaledger.com. For privacy, data-protection, consent or data-subject matters, please contact privacy@nairaledger.com.

39. Related documents

These Terms should be read together with the NairaLedger Website Privacy Policy, the NairaLedger Cookie Notice, and the EdgePlus Early Access & Waitlist Privacy Notice, where applicable. Additional terms will apply when EdgePlus becomes available for customer subscriptions, beta testing or production use.