Welcome to ZeCo Africa (“ZeCo,” “we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, platforms, applications, APIs, products, and services (collectively, the “Services”).

By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, you should not access or use our Services.

About ZeCo

ZeCo Africa develops technology, financial infrastructure, banking solutions, and digital platforms that support the development of trusted carbon markets across Africa. Our Services facilitate the management, verification, financing, monitoring, and exchange of climate-related projects, environmental assets, carbon credits, sustainability products, and associated financial services.

Certain Services may be provided directly by ZeCo or through licensed financial institutions, regulated partners, technology providers, government agencies, or other third-party organizations.

Eligibility

You may use our Services only if you:

• Are legally capable of entering into binding agreements.

• Comply with all applicable laws and regulations.

• Provide accurate and complete information when requested.

  
  

Organizations using the Services represent that the individual accepting these Terms has authority to bind that organization.

Your Account

Certain Services require registration.

You agree to:

• Maintain accurate account information.

• Protect your login credentials.

• Notify us immediately of any unauthorized access.

• Accept responsibility for activities conducted through your account.

  
  

We reserve the right to suspend or terminate accounts where necessary to protect the integrity or security of our Services.

ZeCo provides digital infrastructure supporting the carbon economy, including but not limited to:

• Carbon market technologies

• Digital platforms

• Financial infrastructure

• Banking integrations

• Payment services

• Climate project management tools

• Monitoring and reporting systems

• Environmental asset management

• APIs and developer services

• Digital identity and verification tools

• Marketplace infrastructure

• Data and analytics services

  
  

Some Services may require additional agreements, regulatory approvals, or compliance requirements.

Financial Services

Certain Services may involve payments, digital financial infrastructure, settlement services, banking integrations, lending, escrow, treasury management, or other regulated financial activities.

Where applicable:

• Financial services may be provided by licensed banking or financial institution partners.

• Additional terms may apply.

• Regulatory requirements, including Know Your Customer (KYC), Anti-Money Laundering (AML), Counter-Terrorism Financing (CTF), sanctions screening, and identity verification may be required before access is granted.

  
  

Nothing in these Terms constitutes investment advice, financial advice, legal advice, or tax advice.

Carbon Market Services

Our Services may facilitate activities involving carbon credits, environmental assets, sustainability certificates, emissions data, renewable energy certificates, or related climate instruments. ZeCo does not guarantee:

• the future value of carbon credits,

• market pricing,

• regulatory acceptance,

• environmental outcomes,

• investment returns, or

• project performance,

  
  

Unless expressly agreed in writing.

Users remain responsible for conducting their own due diligence.

User Responsibilities

You agree that you will not:

• violate applicable laws;

• submit false or misleading information;

• interfere with platform operations;

• attempt unauthorized access;

• distribute malware or malicious code;

• engage in fraud;

• manipulate transactions;

• infringe intellectual property rights;

• misuse APIs or automated systems;

• use the Services to support unlawful activities.

Compliance

You agree to comply with all applicable laws, including those relating to:

• financial services;

• banking regulations;

• anti-money laundering;

• sanctions;

• anti-corruption;

• environmental reporting;

• carbon market regulations;

• data protection;

• export controls.

  
  

ZeCo reserves the right to conduct compliance reviews where required by law.

Intellectual Property

All intellectual property rights in the Services, including software, source code, databases, trademarks, branding, content, documentation, interfaces, designs, and technology remain the property of ZeCo or its licensors.

You receive a limited, non-exclusive, non-transferable license to access and use the Services in accordance with these Terms.

User Content

You retain ownership of content you submit.

By submitting content, you grant ZeCo a worldwide, non-exclusive, royalty-free license to host, process, store, analyze, reproduce, and display such content solely for operating, improving, securing, and providing the Services.

You represent that you have all necessary rights to submit such content.

Data and Privacy

Your use of the Services is subject to our Privacy Policy.

We may collect, process, and retain information necessary to:

• provide Services;

• verify identities;

• comply with legal obligations;

• improve our technology;

• prevent fraud;

• secure our platforms.

Third-Party Services

The Services may integrate with banks, payment providers, blockchain networks, registries, government agencies, verification bodies, cloud providers, APIs, and other third-party systems.

ZeCo is not responsible for the availability, accuracy, or performance of third-party services beyond our reasonable control.

Availability

We strive to maintain reliable Services but do not guarantee uninterrupted availability.

Maintenance, upgrades, technical failures, cybersecurity incidents, regulatory actions, or external factors may temporarily affect access.

Security

We implement commercially reasonable administrative, technical, and organizational safeguards to protect our systems.

However, no system is completely secure, and users acknowledge the inherent risks associated with internet-based services.

Fees

Certain Services may require payment.

Applicable fees will be communicated before use.

Unless otherwise stated:

• fees are non-refundable;

• taxes remain the responsibility of the user;

• payment obligations survive termination where applicable.

Suspension and Termination

We may suspend or terminate access if:

• these Terms are violated;

• fraudulent or unlawful activity is suspected;

• regulatory requirements require suspension;

• security risks arise;

• continued access may harm ZeCo, users, or partners.

  
  

Users may discontinue use of the Services at any time.

Disclaimers

The Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, ZeCo disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, and accuracy.

Limitation of Liability

To the fullest extent permitted by law, ZeCo shall not be liable for indirect, incidental, consequential, punitive, or special damages, including loss of profits, business opportunities, data, goodwill, environmental credits, or anticipated savings arising from the use of the Services.

Where liability cannot be excluded, it shall be limited to the amount paid by the user to ZeCo for the relevant Service during the twelve months preceding the claim.

Indemnification

You agree to indemnify and hold harmless ZeCo, its affiliates, directors, officers, employees, contractors, and partners from claims, losses, damages, liabilities, and expenses arising from:

• your use of the Services;

• violation of these Terms;

• breach of applicable law;

• infringement of third-party rights.

Regulatory Changes

Because carbon markets and financial services operate within evolving regulatory frameworks, ZeCo may modify or suspend Services to comply with applicable laws, regulations, government directives, or industry standards.

Changes to These Terms

We may update these Terms periodically.

Material changes will be communicated through the Services or by other reasonable means.

Continued use after changes become effective constitutes acceptance of the updated Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, unless otherwise required by applicable law or agreed in writing.

Any disputes shall be resolved in the competent courts of Nigeria, unless another dispute resolution mechanism has been agreed by the parties.

Contact Us

For questions regarding these Terms or our Services please contact us