Please be informed that your access to and use of the services provided on this application are subject to the Terms and Conditions below. If you do not agree with any part of these Terms, you are advised to discontinue use of the application immediately.

• You must accept and agree to these Terms and the Privacy Policy.
• You must register on the RIBS Application.
• You must provide accurate and complete information including your name, email address, mobile number, BVN, NIN, bank account credentials, and other information requested from time to time.
• You acknowledge that when we or our third-party service providers retrieve information from third-party platforms, we act as your agent. You authorize debits and credits to your bank account where applicable, and third parties may rely on this authorization.
• For compliance purposes, you authorize RIBS to verify your identity using government-issued IDs, BVN, NIN, utility bills, bank statements, or other documentation as required.

The Services are designed to help users save and invest with minimal effort.

• Funds may be debited from your debit card based on the amount you specify, subject to applicable laws.
• Withdrawals may be requested at any time or on designated payout days, depending on the product.
• Funds in your RIBS Account may not be used for purchases, cash withdrawals, or any purpose not expressly permitted on the platform.

You may check the balance of your RIBS Account at any time by logging into your account on the Website.

To the extent permitted by law, you consent to the use of electronic signatures and to receiving all notices, records, statements, and communications electronically. Your consent remains effective until withdrawn in accordance with applicable requirements.

• RIBS may suspend or terminate accounts due to suspicious activity, security concerns, policy violations, or inability to verify information.
• Users must not attempt to bypass any suspension or restriction imposed.
• Termination or suspension may occur at any time as permitted by law.

If you have any questions, complaints, or concerns regarding these Terms or the Services, please contact us using the details below.

• info@ribs.com.ng
• +234 9060 3687 76
• +234 7030 0001 23