Terms Of Use

Savvy Bee Ltd
Effective Date: Monday, 11th January 2026

These Terms of Use (“Terms”) govern access to and use of the website, applications, platforms, products, and services (collectively, the “Services”) provided by Savvy Bee Ltd (“Savvy Bee,” “we,” “us,” or “our”).

By accessing or using our Services, you acknowledge that you have read, understood, and agreed to be bound by these Terms.
If you do not agree to these Terms, you must not access or use the Services.

1. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding agreement to use the Services. By using the Services, you represent and warrant that you meet these requirements.

2. Scope of Services

Savvy Bee Ltd provides technology-enabled financial solutions, which may include digital platforms, software applications, advisory tools, and related services, as described on our official platforms.

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time.

3. User Accounts

Where account creation is required:

• You agree to provide accurate, complete, and up-to-date information.
• You are responsible for maintaining the confidentiality of your login credentials.
• You are solely responsible for all activities carried out under your account.
• You must notify Savvy Bee immediately of any unauthorized access or security breach.

Savvy Bee shall not be liable for losses arising from unauthorized use of your account due to your failure to safeguard credentials.

4. Acceptable Use

You agree not to:

• Use the Services for any unlawful, fraudulent, or malicious purpose.
• Violate applicable laws, regulations, or third-party rights.
• Interfere with or disrupt the integrity or performance of the Services.
• Attempt to gain unauthorized access to systems, data, or networks.
• Upload or transmit viruses, malware, or harmful code.

Savvy Bee reserves the right to suspend or terminate access for violations of this section.

5. Intellectual Property

All content, software, trademarks, logos, designs, and materials provided through the Services are the property of Savvy Bee Ltd or its licensors and are protected under applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, and revocable license to use the Services solely for their intended purpose. No rights are granted except as expressly stated.

6. User Content

Where users submit content:

• You retain ownership of your content.
• You grant Savvy Bee a non-exclusive, royalty-free, worldwide license to use, host, store, reproduce, and display such content solely for the purpose of providing the Services.
• You represent that you have all rights necessary to submit the content and that it does not infringe third-party rights.

7. Fees and Payments

Certain Services may be subject to fees. Where applicable:

• Fees will be disclosed prior to use.
• Payments must be made in accordance with agreed terms.
• Savvy Bee reserves the right to revise pricing with prior notice.

All fees paid are non-refundable unless otherwise stated in writing.

8. Privacy and Data Protection

Your use of the Services is subject to our Privacy Policy, which forms an integral part of these Terms.

Savvy Bee is committed to protecting personal data in accordance with applicable data protection laws and regulations.

9. Third-Party Services

The Services may contain links to or integrations with third-party platforms. Savvy Bee does not control and is not responsible for third-party content, policies, or practices. Access to such services is at your own risk.

10. Disclaimers

The Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law:

• Savvy Bee makes no warranties, express or implied, regarding accuracy, reliability, or fitness for a particular purpose.
• Savvy Bee does not guarantee uninterrupted, error-free, or secure operation of the Services.

11. Limitation of Liability

To the maximum extent permitted by law, Savvy Bee Ltd shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or business opportunities, arising from or related to use of the Services.

12. Indemnification

You agree to indemnify and hold harmless Savvy Bee Ltd, its directors, officers, employees, and partners from any claims, liabilities, damages, losses, or expenses arising from:

• Your misuse of the Services;
• Your violation of these Terms; or
• Your infringement of any third-party rights.

13. Suspension and Termination

Savvy Bee may suspend or terminate your access to the Services immediately, without notice, if:

• You breach these Terms;
• Required by law or regulation; or
• Continued access poses a security or legal risk.

Termination does not affect accrued rights or obligations.

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising shall be subject to the exclusive jurisdiction of the competent courts in Nigeria.

15. Amendments

Savvy Bee reserves the right to amend these Terms at any time. Updated versions will be published on our platforms, and continued use of the Services constitutes acceptance of the revised Terms.

16. Contact Information

For questions or concerns regarding these Terms, please contact:

Savvy Bee Ltd
📧 hello@mysavvybee.com
📞 +234 802 761 1472
📍 Suite A311, Garki Mall,
47 Damaturu Crescent,
Garki 2, Abuja.