1. Introduction
Welcome to CapitalSage Technology (“CapitalSage”, “we”, “our” or “us”). These Terms of Service govern your access to and use of our website, CapitalSage Technology | Africa's Financial Partner, including its content, features and information.
By accessing or using this website, you agree to these Terms of Service. If you do not agree with these terms, please discontinue use of the website.
2. About CapitalSage Technology
CapitalSage Technology Limited is an integrated digital financial services group that develops and delivers technology driven solutions for payments, collections, money transfers, and financial management. Through its portfolio of businesses, the company supports individuals and businesses with digital payment infrastructure and financial services designed to improve access, simplify transactions, and advance financial inclusion across Africa. Certain financial and payment services associated with the CapitalSage group are provided by separate subsidiaries or affiliated entities, each operating under its own corporate identity and, where applicable, the licences, approvals and authorisations issued by the relevant regulatory authorities.
3. Use of Our Website
You agree to use this website only for lawful purposes and in a manner that does not infringe on the rights of others or restrict their use of the website.
You must not:
- Use the website for any unlawful, fraudulent, or unauthorized purpose.
- Attempt to gain unauthorized access to our website, systems, or networks.
- Introduce malicious software, harmful code or other material that may compromise the website.
- Copy, reproduce, distribute or commercially exploit website content without prior authorization, except where permitted by law.
4. Website Information and Content
Information on this website is provided for general corporate and informational purposes only. Unless expressly stated otherwise, it does not constitute an offer, solicitation, recommendation or commitment to provide any financial, banking, payment, remittance, investment or other regulated service.
Descriptions of group companies, products, capabilities and services are for informational purposes and must not be construed as evidence that CapitalSage Technology holds any regulatory licence or authorisation required for the provision of a regulated service. Any such service is subject to the relevant provider’s eligibility requirements, contractual terms, regulatory disclosures and applicable law.
CapitalSage Technology shall take reasonable steps to maintain accurate website information but does not warrant that all information is complete, current or suitable for every purpose. Users should confirm material service-specific information with the relevant provider before acting on it.
5. Intellectual Property
Unless otherwise stated, the content on this website, including text, graphics, logos, images, design elements and other materials, is owned by or licensed to CapitalSage Technology and is protected by applicable intellectual property laws.
You may view and use the content for personal, non-commercial purposes. You must obtain appropriate permission before reproducing, modifying, distributing or commercially using our content, except where permitted by law.
6. Third-Party Links
References to any subsidiary, affiliate, partner or third-party service provider on this website are for identification and informational purposes only. Each such entity is a separate legal person and is responsible for the products and services it provides, its contractual obligations, regulatory compliance, customer disclosures and applicable privacy practices.
Unless expressly agreed in a separate written contract signed by CapitalSage Technology, CapitalSage Technology does not act as the provider, guarantor, agent or representative of a separate entity’s regulated services and does not assume liability for that entity’s acts, omissions or contractual obligations merely because of common ownership, branding, technology, infrastructure or group affiliation.
Where a user proceeds to a subsidiary’s or third party’s website or service, the user should review the relevant entity’s terms, privacy notice, licence information and customer support arrangements.
7. Disclaimer of Warranties
To the extent permitted by applicable law, this website and its content are provided on an “as is” and “as available” basis. We do not guarantee uninterrupted availability, error-free operation, or the completeness and accuracy of all information published on the website.
Nothing in these Terms excludes or limits any right or liability that cannot lawfully be excluded or limited.
8. Limitation of Liability
To the fullest extent permitted by applicable law, CapitalSage Technology shall not be liable for loss arising solely from a user’s reliance on general website information, temporary website unavailability, or the acts or omissions of a separate subsidiary or third-party provider for which CapitalSage Technology is not legally responsible. Nothing in these Terms excludes or limits liability for fraud, fraudulent misrepresentation, wilful misconduct, or any liability that cannot lawfully be excluded or limited. Nothing in these Terms excludes liability for CapitalSage Technology’s own breach of an applicable contractual obligation, negligence or other actionable conduct to the extent such liability cannot lawfully be excluded. Nothing in these Terms limits any mandatory rights or remedies available to a user under applicable law.
9. Privacy and Data Protection
Your use of this website is also subject to our Privacy Policy, which explains how we collect, use, store and protect personal information.
By using the website, you acknowledge that you have been provided access to our Privacy Policy. Where consent is required by applicable law, it will be obtained separately and appropriately.
Exercise of Privacy Rights
Requests relating to personal data processed by CapitalSage Technology may be submitted through the contact details stated in this Policy. CapitalSage Technology shall handle such requests in accordance with applicable data protection law.
Where a request relates to personal data independently processed by a subsidiary, affiliate or other service provider, CapitalSage Technology may direct the requester to the relevant entity or, where appropriate, securely forward the request to that entity. This shall not relieve CapitalSage Technology of any obligation imposed on it by applicable law.
Privacy Contact
For privacy enquiries and requests relating to processing undertaken by CapitalSage Technology, please contact:
- Address
- 56 Awolowo Road, Opposite Ikoyi Plaza, Ikoyi, Lagos State, Nigeria.
See also our Privacy Policy.
10. Changes to These Terms
We may update these Terms of Service from time to time to reflect changes to our website, business operations or applicable legal requirements. Updated terms will be published on this page with a revised “Last Updated” date.
Your continued use of the website following publication of revised terms is subject to applicable law and does not override any consent or notice requirements.
11. Governing Law
These Terms of Service shall be governed by the laws of the Federal Republic of Nigeria, subject to any mandatory legal requirements that may apply.
12. Contact Us
If you have questions regarding these Terms of Service, please contact us:
- Company
- CapitalSage Technology
- Address
- 56, Awolowo Road, Opposite Ikoyi Plaza, Ikoyi, Lagos State