1. Introduction & Legal Status

This Mobile Application (“App”) is owned and operated by [Name of Cooperative Multipurpose Society], a cooperative society duly registered under the Cooperative Societies Law of [State] and recognized by the Department of Cooperative Services.

This App is provided to support cooperative operations in accordance with:

State Cooperative Societies Law

Registered Cooperative Bye-Laws

Applicable Nigerian laws and regulations

2. Acceptance of Terms

By downloading, registering, accessing, or using this App, you confirm that:

You are a registered member or authorized officer of the Society

You have read, understood, and agreed to these Terms & Conditions

You accept to be bound by the Society’s Bye-Laws and resolutions

If you do not agree, do not use the App.

3. Eligibility & Membership

Only financial and duly admitted members of the Cooperative are eligible.

User access is subject to:

Compliance with membership obligations

Payment of required dues

Adherence to Bye-Laws

Membership suspension or expulsion automatically restricts App access.

4. Account Registration & Authentication

Each member is issued a unique login identity.

Login credentials (PIN, password, OTP, biometric access) must be kept confidential.

The Society shall not be liable for losses arising from:

Shared credentials

Lost devices

Negligence by the user

5. Scope of Mobile App Services

The App may be used to:

View savings, shares, loans, and balances

Make savings and loan repayments

Apply for loans and track approvals

Receive cooperative notices and circulars

View statements, reports, and AGM information

All services remain subject to:

Cooperative Bye-Laws

Management Committee approval

Regulatory compliance

6. Financial Transactions & Records

Transactions processed through the App form part of official cooperative records.

Digital records shall be treated as prima facie evidence.

The Society reserves the right to:

Delay, reverse, or suspend transactions for verification

Flag suspicious or erroneous transactions

7. Fees, Charges & Deductions

The Society may apply service charges for digital services.

All charges must be:

Approved by the Management Committee

Consistent with Bye-Laws

Communicated to members in advance

Charges are non-refundable once services are rendered.

8. Loan Services & Credit Obligations

Loan eligibility, interest rates, tenure, penalties, and guarantor obligations are governed strictly by:

Cooperative Bye-Laws

Approved Loan Policy

Loan approval via the App is not automatic.

Default may result in:

Penalties

Recovery actions

Deduction from savings or shares

Guarantor enforcement

9. Data Protection & Privacy (NDPA Compliance)

The Society complies with the Nigeria Data Protection Act (NDPA).

Members consent to:

Collection and processing of personal, financial, and biometric data

Use of data strictly for cooperative administration

Secure storage of data on approved platforms

Data may only be disclosed:

With member consent

To regulators

As required by law or court order

10. Third-Party Services

The App may integrate:

Payment gateways

SMS providers

Cloud hosting services

The Society shall not be liable for failures caused by third-party service providers beyond its control.

11. Intellectual Property

All content, software, logos, and materials are the property of the Cooperative or its licensors.

Users may not copy, modify, or distribute any part of the App without written permission.

12. System Availability & Downtime

The App is provided on an “as-is” basis.

The Society does not guarantee uninterrupted access.

Downtime may occur due to:

Maintenance

Network issues

System upgrades

The Society shall not be liable for losses arising from temporary unavailability.

13. Suspension & Termination of Access

Access may be suspended or terminated if a user:

Breaches these Terms

Violates Cooperative Bye-Laws

Engages in fraud, abuse, or misconduct

Termination does not cancel outstanding financial obligations.

14. Limitation of Liability

To the fullest extent permitted by Nigerian law:

The Society shall not be liable for indirect or consequential losses

Liability is limited to actual losses directly caused by proven negligence

15. Indemnity

Users agree to indemnify the Society against:

Losses

Claims

Damages
arising from misuse of the App or breach of these Terms.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria.

Disputes shall first be resolved through:

1. Internal cooperative mechanisms

2. Department of Cooperative Services

3. Courts of competent jurisdiction in Nigeria

17. Supremacy of Cooperative Bye-Laws

In the event of any conflict: The registered Cooperative Bye-Laws shall prevail over these Terms.

18. Updates & Amendments

The Society may update these Terms from time to time.

Updated terms will be communicated via the App.

Continued use signifies acceptance.

19. Electronic Consent

By clicking “I Agree”, you confirm:

Legal acceptance of these Terms

Consent to electronic records and notifications

20. Contact & Support

For support or enquiries, contact:
astoncoopsociety@gmail.com

OPTIONAL MOBILE-APP CLAUSES (Recommended)

✔️ Biometric Login Disclaimer
✔️ Push Notification Consent
✔️ Lost Phone / SIM Liability Clause
✔️ Offline Transaction Delay Clause”