Terms of Use

These Terms of Use are an agreement between you and Techclan Innovations Ltd (RC [RC NUMBER — TO CONFIRM]), whose registered office is at [REGISTERED ADDRESS — TO CONFIRM]. We refer to ourselves as "we" or "us", and to Vebpac as "the platform".

By creating an account or using the platform you accept these terms. If you do not accept them, do not use the platform.

Our Privacy Policy, Cookie Policy and Trust & Safety guidelines form part of this agreement. Each WishPool also has its own published rules, which apply to that pool in addition to these terms.

You must be at least 18 years old and legally able to enter a contract. The platform is currently offered in Nigeria, and payouts are made in Nigerian Naira to Nigerian bank accounts.

You may hold one account only. Creating additional accounts, whether to enter a competition more than once, to claim referral rewards on yourself, or for any other purpose, is a breach of these terms.

You are responsible for everything that happens under your account. Keep your password private, use one you do not reuse elsewhere, and tell us promptly if you believe someone else has access.

You must give accurate information when you register and keep it up to date. We may suspend or close an account where the information given is false, or where we cannot verify it.

Your username is public. It also serves as your referral code, so choose one you are content for other members to see.

Before you can withdraw money you must verify your email address and complete the KYC steps, including saving a bank account in your own name. A saved bank account locks once submitted. This is deliberate, and protects you if someone gains access to your account. Contact support if a locked account genuinely needs changing.

WishPool is a game of skill, not a lottery or a game of chance. Entrants answer a timed knowledge quiz, and winners are decided by accuracy and completion time under the rules published on each pool before entry. No outcome is decided at random.

Each pool states its entry fee, the prize, how many winners there are, when entries close and when the quiz runs. Those published rules govern that pool. Read them before you enter.

By entering you agree that:

• Your entry fee is non-refundable once the pool has closed or the quiz has begun, save where these terms or the law say otherwise
• The number of pools you may be in at once depends on your membership tier
• Scoring is automated, applied identically to every entrant, and the resulting leaderboard is published so the outcome can be audited
• You will answer the quiz yourself, without assistance, automation, shared accounts or any attempt to obtain the questions in advance

We may void an entry, disqualify an entrant or withhold a prize where we reasonably believe there has been cheating, manipulation, multiple accounts or any other breach of these terms. Where we do, we will tell you why and you may ask us to review the decision.

If a pool cannot go ahead, or we cancel it before the quiz begins, entry fees for that pool are refunded to your wallet.

Prizes are as described on the pool. Physical prizes are shipped to the delivery address on your account, so keep it current. Digital prizes and wallet credit are applied to your account.

A prize is personal to the winner and cannot be exchanged for cash unless the pool expressly says so. Where a prize becomes genuinely unavailable, we may substitute one of equal or greater value.

You are responsible for any tax due on a prize you win.

We may ask a winner to confirm their identity before a prize is released.

Vebpac is free to use. Paid memberships (Starter and Pro) are optional and add benefits such as entering more pools at once and earning referral rewards. Current prices and benefits are shown on the pricing page.

Paid memberships are billed monthly in advance and renew automatically until cancelled. By subscribing you authorise us, through our payment processor, to charge your chosen payment method each month.

If a renewal payment fails we will retry it, and your membership enters a short grace period during which its benefits continue. If payment still has not succeeded when the grace period ends, the membership drops back to Free. You can retry payment yourself from your dashboard at any point.

You may cancel at any time from your dashboard. Cancellation takes effect at the end of the month you have already paid for, and you keep your benefits until then. We do not pro-rate part months.

We may change prices or the benefits attached to a tier. If we do, we will give you notice before the change affects your next renewal, so you can cancel if you prefer.

Your account holds two balances. A funded balance holds money you have added, and is used to pay for entries and memberships. A withdrawable balance holds money owed to you, such as referral rewards and any cash prize, and is the balance you can pay out to your bank.

The funded balance exists to spend on the platform and cannot be withdrawn to a bank account.

Your wallet is not a bank account. It does not earn interest, and we are not a bank or a deposit-taking institution.

Withdrawals are made to a bank account saved on your account and verified as described above. A minimum withdrawal amount applies and is shown in your dashboard. Requests are reviewed and paid within 24 to 48 hours on working days.

We may pause a withdrawal where we need to verify your identity, where we suspect fraud, or where we are required to by law. If we do, we will tell you.

Members on a paid tier earn a monthly reward on the membership payments of people they invited, and a smaller reward on the people those members invite. The current rates are shown on the pricing page.

Rewards accrue only while your own membership is active. If your membership lapses, rewards stop accruing until it is active again.

Referral rewards are not payable on yourself, on accounts you control, or on accounts created to game the scheme. We may reverse rewards, and close the accounts involved, where we find this has happened.

Referral rewards are an optional benefit of a paid membership, not an investment, a security, or a promise of income. Nothing on this platform should be understood as a guarantee that you will earn any particular amount, or anything at all.

You agree not to:

• Create more than one account, or use someone else's account
• Cheat at, automate, or otherwise manipulate a quiz or its scoring
• Use bots, scrapers or automated tools against the platform
• Attempt to gain unauthorised access to any part of the platform or another member's account
• Interfere with the platform's operation or security, or probe it for vulnerabilities without our written permission
• Use the platform for money laundering, fraud, or any unlawful purpose
• Post or transmit anything unlawful, abusive, deceptive or infringing
• Misrepresent your relationship with us, or make claims about earnings on our behalf

We may suspend or close an account that breaches this section. Where we close an account for a breach, any confirmed withdrawable balance not connected to the breach remains payable to you.

Trustii, CreatorHub and Pluga are described on our marketing pages and are in development. They are not available yet, and nothing in these terms or on those pages is a commitment to launch them by any particular date, or at all.

When each launches, additional terms specific to it may apply, and we will tell you before they take effect.

We work to keep the platform available, but we do not promise it will be uninterrupted or error-free. We may suspend it for maintenance, and we may add, change or remove features.

Where a change materially reduces a benefit you are paying for, we will give you notice and you may cancel.

Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited under Nigerian law.

Subject to that, we are not liable for indirect or consequential loss, for loss of profit, income or opportunity, or for any prize you did not win.

Subject to that, our total liability to you in any twelve-month period is limited to the greater of the amount you paid us in that period and ₦20,000.

The platform is otherwise provided as it stands, without warranties that are not expressly set out in these terms.

You may ask us to close your account at any time by contacting support. Withdraw any confirmed balance first: amounts still inside a refund or approval window cannot be paid out after closure.

We may close or suspend an account where you have materially breached these terms, where we are required to by law, or where we reasonably suspect fraud. Except where the law prevents it, we will explain why.

Closure does not affect rights or obligations either of us has already accrued, and we will retain records for the periods described in our Privacy Policy.

These terms are governed by the laws of the Federal Republic of Nigeria, and the courts of Nigeria have exclusive jurisdiction.

If something goes wrong, please contact us first at [SUPPORT EMAIL — TO CONFIRM]. Most problems are quicker to resolve directly, and we would rather fix it than argue about it.

We may update these terms. The "last updated" date at the top always reflects the current version.

Where a change materially affects your rights or obligations, we will give you reasonable notice by email or in-app before it takes effect. Continuing to use the platform after that means you accept the updated terms.