Terms and Conditions

1. Definitions

• “Clearyx”, “we”, “us” — the operator of the Clearyx platform.
• “Organization” — an association, union, club, cooperative, or similar body registered on Clearyx with a unique Reference Code (e.g. CLX-XXXXXX).
• “Admin” or “OrgRep” — a user with administrative access to an Organization’s dashboard, including primary and co-admins.
• “Member” — a user registered as an individual member who may join one or more Organizations.
• “You” — any Admin, Member, or other visitor using the Service.
• “Settlement account” — the Nigerian bank account (NUBAN) designated by an Organization to receive dues, fines, and related payments.

2. Eligibility and accounts

You must provide accurate information when registering. You are responsible for safeguarding your password and for all activity under your account.

• Admins must be authorized to act for the Organization they register or join.
• Members must join Organizations only with a valid Reference Code and in accordance with that Organization’s rules.
• You must promptly update your details if they change (email, phone, bank details for Admins).
• We may suspend or terminate accounts that provide false information, abuse the Service, or violate these Terms.

3. Organizations and administrators

When an Organization is created on Clearyx:

• A unique Reference Code is issued. That code identifies the Organization for members, payments, and admin invites.
• The creator is designated primary admin. Primary status may later be transferred to another co-admin of the same Organization.
• Co-admins may be invited by email. Invitees must complete setup (including password) to gain access.
• All Admins of an Organization share responsibility for lawful and accurate use of the dashboard, including dues, fines, and settlement details.
• Clearyx does not adjudicate internal Organization disputes (elections, membership, or policy). We provide tools; governance remains with the Organization.

4. Settlement bank accounts

Organizations must designate a Nigerian bank account for receiving payments.

• Account numbers may be verified via third-party banking/payment APIs (including Paystack NUBAN resolution). You authorize us to perform such checks.
• Changes to settlement details require supporting documentation and consent from another Admin of the same Organization, as implemented in the Service.
• You warrant that the named account is lawfully controlled by or for the Organization and that funds received are applied in accordance with the Organization’s rules and applicable law.
• Clearyx is not a bank and does not hold Organization funds as a deposit-taker. Settlement flows through payment partners to the designated account.

5. Dues, fines, and payments

• Admins may publish dues/levies and issue fines to Members. Amounts, titles, and reasons must be accurate and lawful.
• Members pay through integrated payment providers (e.g. Paystack). Successful payments are recorded with a unique receipt ID (e.g. CLX-REC-…).
• A platform service fee (currently displayed as ₦300 per transaction unless otherwise stated) may apply and is collected in addition to the Organization amount.
• Payment verification depends on the payment provider. Clearyx records success only after provider confirmation.
• Refunds, chargebacks, and disputes are handled under the payment provider’s rules and the Organization’s own policies. Clearyx is not obliged to reverse settled amounts except where required by law or provider process.
• Admins may verify receipt authenticity using the receipt ID. Misuse of receipts or false claims of payment is prohibited.

6. Members

• Member registration may require identity and contact details, including a profile photograph as requested by the Service.
• Joining an Organization does not by itself create employment or partnership with Clearyx.
• Members are responsible for keeping login credentials secure and for payments they initiate.
• Support messages sent to Organization Admins are delivered to those Admins; Clearyx is not a party to the underlying dispute.

7. Acceptable use

You agree not to:

• Use the Service for fraud, money laundering, or any unlawful purpose.
• Impersonate others, invent false Organizations, or misrepresent authority to act as Admin.
• Interfere with the platform, attempt unauthorized access, or abuse APIs and verification tools.
• Upload malicious files or content that infringes others’ rights.
• Harass Members or Admins through support channels or misuse email notifications.

We may investigate and suspend access where we reasonably believe these rules are breached.

8. Data and privacy

We process personal and Organization data as described in our Privacy Policy. By using Clearyx you consent to that processing, including storage of payment metadata, receipts, admin invites, and support messages necessary to operate the Service.

Admins must only use Member data for legitimate Organization purposes and in compliance with applicable Nigerian data protection law.

9. Third-party services

The Service relies on third parties, including payment processors (e.g. Paystack), email delivery, and bank account resolution APIs. Their terms and availability apply to those components. Clearyx is not liable for outages or decisions made solely by those providers, except to the extent required by law.

10. Intellectual property

Clearyx branding, software, design, and documentation remain our property (or our licensors’). You receive a limited, non-exclusive, non-transferable right to use the Service for your Organization or membership. You may not copy, reverse engineer, or resell the platform except as permitted by law.

11. Disclaimers

The Service is provided on an “as is” and “as available” basis. We do not warrant uninterrupted or error-free operation. We do not guarantee collection outcomes, Member compliance, or that any Organization will meet its internal goals.

Clearyx is a technology and facilitation platform. We are not a party to contracts between Organizations and their Members regarding dues, fines, or membership obligations.

12. Limitation of liability

To the fullest extent permitted by applicable law, Clearyx and its operators shall not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from use of the Service.

Our aggregate liability arising out of these Terms or the Service shall not exceed the total service fees paid to Clearyx in connection with the relevant Organization in the twelve (12) months preceding the claim, except where liability cannot be limited by law (including for fraud or death/personal injury caused by negligence where such rules apply).

13. Indemnity

You agree to indemnify and hold harmless Clearyx from claims, losses, and expenses (including reasonable legal fees) arising from your misuse of the Service, your breach of these Terms, your violation of law, or disputes between Admins, Members, and third parties relating to your Organization’s activities.

14. Suspension and termination

• You may stop using the Service at any time.
• We may suspend or terminate access for breach of these Terms, legal risk, non-payment of applicable fees, or prolonged inactivity.
• Upon termination, rights to use the dashboard cease. We may retain records as required by law, for dispute resolution, or as stated in the Privacy Policy.

15. Changes to the Terms

We may update these Terms from time to time. Material changes will be indicated by updating the “Last updated” date and, where appropriate, by notice via the Service or email. Continued use after changes take effect constitutes acceptance of the revised Terms.

16. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria. Courts in Nigeria shall have jurisdiction over disputes arising from these Terms, without prejudice to mandatory consumer protections that may apply.

17. Contact

For questions about these Terms or the Service:

cetrakeep@gmail.com

Please include your Organization Reference Code or registered email where relevant.