1. Introduction
   Welcome to toogeda.com (“we”, “our”, or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our investment platform (“Platform”), which connects investors with various investment opportunities.

By using our Platform, you agree to be bound by these Terms and all applicable laws and regulations. If you do not agree, do not use the Platform.

2. Eligibility
   By accessing the Platform, you represent and warrant that:

You are at least 18 years of age (or legal age in your jurisdiction);

You have full legal capacity to enter into contracts;

You are not a citizen or resident of a jurisdiction where such access is prohibited or would subject us to licensing or registration requirements;

You are not on any sanctions list or subject to restrictions under applicable laws.

3. Nature of the Platform
   Toogeda.com is a digital intermediary platform that connects:

Investors seeking to invest capital, and

Investment Opportunities (including but not limited to startups, funds, real estate projects, or tokenized assets) presented by third-party issuers.

We do not:

Provide investment advice;

Recommend or endorse specific investments;

Guarantee returns or the performance of investments.

All investments involve risk, including loss of capital.

4. User Accounts
   To access the Platform, you must register an account. You agree to:

Provide accurate and complete information;

Maintain the security of your account;

Notify us immediately of unauthorized access;

Not use the account of another person.

We reserve the right to suspend or terminate your account for any breach of these Terms or for regulatory compliance reasons.

5. Verification and KYC/AML
   You agree to undergo Know-Your-Customer (KYC) and Anti-Money Laundering (AML) checks in accordance with our policies and applicable laws. This may include submitting:

Proof of identity and address;

Source of funds;

Additional documentation upon request.

We reserve the right to reject or suspend any account or transaction that fails these checks.

6. Investment Risk Acknowledgment
   You acknowledge that:

All investments carry risk;

Past performance is not indicative of future results;

You may lose all or part of your invested capital;

You are solely responsible for your investment decisions;

You should seek independent financial advice before investing.

7. Fees and Charges
   Fees may be charged to investors, issuers, or both. You agree to pay all applicable fees as disclosed on the Platform. We reserve the right to change our fee structure with prior notice.
8. Third-Party Content and Investments
   Investments listed on the Platform are offered by third parties (“Issuers”). We do not:

Verify the accuracy of Issuer claims;

Guarantee the legality, viability, or success of any investment;

Act as a party to any investment agreement.

You should conduct your own due diligence before investing.

9. Intellectual Property

All content, branding, logos, and technology on the Platform are the intellectual property of toogeda.com or its licensors. You may not:

Copy, modify, distribute, or exploit the Platform’s content;

Reverse engineer any part of the Platform.

10. Prohibited Activities
    You may not use the Platform to:

Violate any law or regulation;

Engage in fraud, deception, or money laundering;

Upload harmful software or content;

Interfere with Platform functionality;

Impersonate another person or entity.

11. Limitation of Liability
    To the fullest extent permitted by law, toogeda.com, its affiliates, and officers shall not be liable for:

Loss of investment or profits;

Indirect, incidental, or consequential damages;

Errors, delays, or service interruptions;

Acts or omissions of third parties or other users.

12. Indemnification
    You agree to indemnify, defend, and hold harmless toogeda.com, its officers, directors, employees, and affiliates from any claim, demand, loss, or damage arising from:

Your use of the Platform;

Any breach of these Terms;

Any investment decision or transaction.

13. Data Privacy
    Your use of the Platform is also governed by our Privacy Policy. By using the Platform, you consent to the collection and use of your data as described therein.
14. Termination
    We may suspend or terminate your access at any time without liability, especially in cases of:

Non-compliance with these Terms;

Regulatory or legal issues;

Fraud or abuse of the Platform.

Upon termination, your access to the Platform will cease, but obligations incurred prior to termination will survive.

15. No Waiver
    Failure by us to enforce any part of these Terms does not constitute a waiver of our rights.
16. Governing Law and Dispute Resolution
    These Terms are governed by the laws of Nigeria. Any disputes shall be resolved:

First through amicable negotiation;

If unresolved, through binding arbitration or courts of Nigeria.

17. Amendments
    We may update these Terms at any time. Material changes will be notified via email or on the Platform. Continued use constitutes acceptance of updated Terms.

18. Contact Information
    For any questions or concerns regarding these Terms, please contact us at:

📧 [support@toogeda.com]
📍 [Your company’s registered address]
☎ [08177698771]