Terms of Service

Legal terms governing the use of Stark App's fintech platform, mobile application, and financial services.

Last updated: September 27, 2025

Acceptance of Terms

By accessing or using Stark App's services, mobile application, website, or any related platforms ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Brilliant Esystems Limited ("Stark App," "we," "our," or "us").

Our Services

Financial Services

Payment processing, mobile banking, peer-to-peer transfers, and financial management tools.

AI-Powered Solutions

WhatsApp chatbots, financial analytics, risk assessment, and personalized recommendations.

Account Registration and Requirements

Eligibility

  • You must be at least 18 years old to use our Services
  • You must provide accurate, current, and complete information during registration
  • You must comply with all applicable local, state, and federal laws
  • You must not be located in a restricted jurisdiction

Account Security

  • You are responsible for maintaining the security of your account credentials
  • You must notify us immediately of any unauthorized access or security breaches
  • You may not share your account with others or allow others to use your account
  • We may suspend or terminate accounts that violate security requirements

Acceptable Use Policy

You agree NOT to:

  • • Use the Services for illegal activities or money laundering
  • • Attempt to gain unauthorized access to our systems
  • • Upload viruses or malicious code
  • • Impersonate others or provide false information
  • • Interfere with or disrupt the Services
  • • Use the Services to harm minors
  • • Engage in harassment or abusive behavior
  • • Violate intellectual property rights
  • • Use automated systems to access the Services
  • • Reverse engineer or attempt to extract source code

Financial Services Terms

Payment Processing

  • • All transactions are subject to verification and fraud prevention measures
  • • Transaction fees may apply and will be disclosed before processing
  • • Processing times may vary depending on the payment method and destination
  • • We reserve the right to decline transactions that appear suspicious or risky
  • • Chargebacks and disputes will be handled according to card network rules

KYC/AML Compliance

As a financial services provider, we are required to comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations. This includes:

  • Verifying your identity through government-issued documents
  • Monitoring transactions for suspicious activity
  • Reporting certain transactions to regulatory authorities
  • Maintaining records of your account activity

Fees and Charges

We may charge fees for certain services. All applicable fees will be clearly disclosed to you before you complete a transaction or use a paid service.

  • • Transaction processing fees
  • • International transfer fees
  • • Premium feature subscription fees
  • • Account maintenance fees (for inactive accounts)
  • • Third-party service fees

Intellectual Property Rights

The Services, including all content, features, functionality, software, and technology, are owned by Stark App and are protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, sell, or lease any part of our Services, nor may you reverse engineer or attempt to extract the source code of our software.

Disclaimers and Limitations

Service Availability

We strive to maintain high service availability, but we do not guarantee uninterrupted access to our Services. Maintenance, updates, or technical issues may temporarily affect service availability.

Financial Advice Disclaimer

Our AI-powered recommendations and analytics are for informational purposes only and do not constitute financial, investment, or legal advice. You should consult with qualified professionals for specific financial decisions.

Third-Party Services

We may integrate with third-party services and are not responsible for their availability, performance, or data practices. Your use of third-party services is governed by their respective terms and policies.

Limitation of Liability

To the maximum extent permitted by applicable law, Stark App shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues.

Our total liability for any claims related to the Services shall not exceed the amount you paid to us in the 12 months preceding the claim.

Some jurisdictions do not allow the limitation of certain damages, so these limitations may not apply to you.

Account Termination

Your Right to Terminate

You may close your account at any time by contacting our customer support. Upon closure, you will no longer have access to the Services.

Our Right to Terminate

We may suspend or terminate your account if you violate these Terms, engage in suspicious activity, or if required by law or regulation.

We will provide reasonable notice when possible, except in cases involving security risks or legal requirements.

Governing Law and Dispute Resolution

Applicable Law

These Terms are governed by the laws of Nigeria, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the Services will be resolved through:

  1. Good faith negotiations between the parties
  2. Mediation, if negotiations are unsuccessful
  3. Arbitration or litigation in Nigerian courts, as applicable

Changes to These Terms

We may update these Terms periodically to reflect changes in our services, applicable laws, or business practices. We will notify you of material changes by:

  • Email notification to your registered email address
  • In-app notification in the mobile application
  • Posting a notice on our website

Your continued use of the Services after any modifications constitutes acceptance of the updated Terms.

Contact Information

If you have questions about these Terms or need to contact us regarding legal matters:

Email

legal@starkapp.com

hello@starkapp.com

Phone

+234 916 0000 444

+234 803 309 9431

Address

Brilliant Esystems Limited
Gombe State, Nigeria

Legal Department

Available Monday - Friday
9:00 AM - 5:00 PM WAT

Regulatory Compliance

Stark App operates in compliance with applicable financial regulations and holds necessary licenses and registrations. We are committed to:

  • • Central Bank of Nigeria (CBN) regulations
  • • Financial Intelligence Unit (NFIU) requirements
  • • Consumer protection standards
  • • International AML/KYC standards
  • • Data protection and privacy laws
  • • Payment card industry standards