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Terms of Use

Date of last revision January 10, 2022

This terms of use ("Terms of Use") is a legal agreement between you: a user of the Little application software ("You" "Your "), and AllPro Technologies Limited ("AllPro" "Us " "Our " "We ").The provisions of this Terms of Use govern Your use of the Little application software (the "App", the Services and the relationship between You and AllPro. This Terms of Use and Our Privacy Policy sets out the terms and conditions upon which You may use the App.

By signing up to create a user account or by activating a pre-registered account on the App ("User Account"), You acknowledge that You have read, understood, and agree to be bound by this Terms of Use and to comply with all applicable laws and regulations incorporated into this Terms of Use. Your access to and the use of Our services is conditioned on Your acceptance of and compliance with these terms. Your agreement with Us regarding compliance with this Terms of Use becomes effective immediately upon the creation of a User Account.

The App is a financial literacy platform managed by parents/legal legal guardians on behalf of their child/wards ("Child/Children"). The App allows Children receive, save, spend money, and also manage their financial affairs. The App also allows parents to: (i) Request and link payments cards to their User Accounts and sub-accounts created by them. (ii) Create gift links that can be shared with friends and family (iii) Monitor the financial affairs of their Children. (collectively referred to"Services").  We reserve the right to amend this Terms of Use at any time and We would notify You of any such changes by posting the revised terms of use on the App. If We do, the revised Terms of Use will supersede prior versions. Changes would be effective upon the "Date of last revision" date located at the top page. You should check this Terms of Use periodically for changes. Your continued use of the App and the Services after any change to this Terms of Use constitutes Your agreement to be bound by any such changes. AllPro may terminate, suspend, change, or restrict access to all or any part of the Services without notice or liability.

By clicking "Accept" at the bottom of the page, You confirm that You are literate, You have read and fully understand the terms of this Terms of use and You are responsible for your Child’s use of the Services. You acknowledge and agree that Your use of the Services, including information transmitted to or stored by AllPro, is also governed by Our Privacy Policy.

  1. User Account Terms
    1. The App
      1. You hereby declare that You are a human being over 18 (eighteen) years of age and of a sound mind, and that you have read our Privacy Policy.
      2. You consent to Our collection and use of technical information about the App and other related software, hardware and peripherals to improve Our products and to provide the Services to You. If You use the Services, You consent to Us and Our affiliates' and licensees' to process the transmission, collection, retention, maintenance, and use of any personally identifiable information (“Personal Data”) You provide to Us, to improve Our Services and/or Your experience while using the App.
      3. You consent to Us, sharing Personal Data provided by You in creating User Accounts with third party contractors and service providers for the purpose of enabling efficient performance of the Services and effecting any payments or notifications that We need to make to You.
      4. You hereby confirm that You have obtained the appropriate consent to share with Us the Personal Data of other parent/legal guardians and/or Children, pre-registered or invited by You during Your use of the Services.
      5. You acknowledge that AllPro shall use the email address and phone number provided by You when creating a User Account on the App or as updated by You from time to time as the primary method for communication with You. You must monitor the primary User Account email address and phone number You provided to AllPro and same must be capable of sending and receiving messages, emails and receiving phone calls. Your communications with AllPro can only be authenticated if they come from Your User Account email address and phone number.
      6. As part of Our security procedures, You determine Your sign-in details or any piece of information You input. By signing up and creating a User Account, You agree to treat Your sign-in-details as confidential; do not disclose same to any third party. AllPro does not have access to Your sign-in details, if You forget Your sign-in details or know or suspect that a third party gained access to Your sign-in-details, You must promptly change Your sign-in details, by resetting Your password or by contacting Us via[[ ]] to place a restriction on Your User Account.
      7. You confirm that all Information provided by You via the App are true, correct and not misleading. You agree to provide any additional documents and/or information as may be required from time to time.
      8. You agree that all agreements, notices, disclosures, and other communications that We provide to You electronically satisfy any legal requirement that such communications be in writing.
      9. By accessing the App, You hereby authorise Us to provide the Services herein contemplated using the App.
  2. User Account Activation
    1. Parent
      1. If you are a parent, and you would like to sign up for our Services, , You would be required to provide Us with Your: first name, last name, phone number, email, date of birth, gender or BVN/NIN, OTP, login pin, biometrics and any other information indicated as required or that We may ask from You from time to time ("Information" ).
    2. Children
      1. If You are a Child, You may access the App either by registering directly or activating an account already pre-registered for You by Your parent/legal legal guardian.
      2. To activate a pre-registered account, You would be required to input Your email or phone number. If the email or phone number is already pre-registered by Your parent/legal legal guardian, a login pin creation process will be provided to You.
      3. To register a new User Account, You would be required to provide Us with Your: first name, last name, email, phone number, date of birth, gender, biometrics, OTP and other Information. You would also be required invite Your parent/legal legal guardian to the App. Kindly note that Your User Account will not be activated until Your parent/legal legal guardian accepts Your invitation and registers on the App.
  3. Parents/Legal Guardians Account Preferences& Charges
    1. As a parent or legal guardian, Your User Account is accompanied by a virtual wallet (“Wallet” ). You will be able to fund Your Wallet through bank transfers and debit cards. Wallet creation and usage, is subject to applicable laws and KYC requirements. Kindly note that We may change Our Wallet providers from time to time. In the event that this is the case, we would promptly inform you to take the necessary actions to withdraw or transfer your funds to the wallets created by the new wallet provider engaged by Us.
    2. By Clicking “Accept” at the bottom of the page, you hereby confirm that you have read, understand, and agree to be bound by the Privacy Statement and you hereby expressly consent to the processing of Personal Data for the purpose of accessing the Services. By clicking “Accept” you confirm that you are at least 13 years of age. Any registration by, use of or access to the Services by any child, that is, a person under 13 (thirteen) years old, (“Children/Child” ) without the consent of their parent or legal legal guardian is unauthorised and in violation of this Privacy Statement and the Nigeria Data Protection Regulation. AllPro does not knowingly collect Personal Data from Children without the consent of their parents or legal legal guardian. We therefore also ask you, if you are a Child, please do not send us or submit your Personal Data without the consent of your parent or legal legal guardian.
    3. The creation of Your Wallet would enable You and Your Child/Children to access the Services.
    4. For security and regulatory purposes, We may impose limits on the amount that can be made available to users of the App.
    5. Please note that while accessing the Services, standard/approved banking charges may apply. It is Your responsibility to pay all fees, or charges as may be updated from time to time.
    6. AllPro may share Personal Data provided by You with third parties to the extent required to provide the Services and for the efficient performance of the App.
  4. User Content
    1. You agree that any questions, comments, suggestions, ideas, feedback, commentary, support request, submission of entries for competitions and promotions or other information related to the Services provided by You to Us, whether textual, audio, and/or visual content (“User Content”), may be utilised by Us in a manner that We may deem appropriate. By providing User Content to Us, You grant Us a worldwide, perpetual, irrevocable, transferrable, royalty-free license (with the right to sublicense) to use, copy, modify, create derivative works of, distribute, publicly display, publicly perform, and otherwise exploit in any manner such User Content in all formats and distribution channels now known or hereafter devised without further notice to or consent from You, and without the requirement of payment to You or any other person or entity.
    2. You represent and warrant to Us that:
      1. You are the sole and exclusive owner of all User Content or You have all rights, licenses, consents and releases necessary to grant AllPro the license to the User Content as set forth above; and
      2. neither the User Content nor Your submission, uploading, publishing or otherwise making available of such User Content nor AllPro’s use of the User Content as permitted herein will infringe, misappropriate or violate a third party's intellectual property or proprietary rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.
  5. Acceptable Use Restrictions
    1. You are granted a non-exclusive, non-transferable, personal, limited license to use the App. Your limited right to use the App is revocable at Our sole discretion.
    2. You agree not to access (or attempt to access) the Services by any means other than through the interface that is provided on the App. The use of deep-link, robot, spider or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the App, or in any way reproduce or circumvent the navigational structure or presentation of the App to obtain or attempt to obtain any materials, documents or information through any means not specifically made available through the App is specifically prohibited.
    3. You shall not use the App in any unlawful manner, for any unlawful purpose, in any manner inconsistent with this Terms of Use, or act fraudulently or maliciously, for example, by hacking into or inserting malicious code, including viruses, or harmful data, into the App.
    4. You shall not infringe Our intellectual property rights or those of any third party in relation to Your use of the App, including the submission of any material or User Content (to the extent that such use is not licensed by this Terms of Use).
    5. You shall not use the App or the Services in a way that could damage, disable, overburden, impair or compromise Our systems or security or interfere with other users.
    6. You shall not use the Services to transmit malware or host phishing pages. You may not perform activities that harm or disrupt the operation of the Services or any of Our other infrastructure, or of others, including Our third party providers. You may not use the Services for deceptive commercial practices or any other illegal or deceptive activities.
    7. You shall not use the Services to transmit infringing, abusive or tortuous material, or to store or transmit material in violation of third party privacy rights.
    8. You shall not provide Us with false, inaccurate, misleading (directly or by omission or failure to update information), obscene, profane, defamatory, libellous, hateful, abusive, offensive, pornographic or sexually oriented, threatening, harassing, illegal or offensive User Content.
    9. You shall not impersonate any person or entity, or use a fictitious name on the App.
    10. You shall not extract any information or data from the Services or Our systems or attempt to decipher any transmissions to or from the servers running the Services.
    11. You shall not use the App or the Services in a manner that contravenes or that facilitate or promote activities that contravene applicable laws or this Terms of Use. 12.
    12. You shall not use the App, or the Services for any other transactions other than the Services or as contemplated in this Terms of Use.
    13. You shall not use the App in a manner that imply or promote support or funding of, or membership in, a terrorist organisation.
    14. You shall not use a debit card or bank account that is known to be invalid.
    15. We may, at any time and without notice, terminate Your User Account or Your access to the Services if You engage in activities that violate clauses 5.2 to 5.14, including activities outside of Your use of the Services.
    16. Without prejudice to clauses 10.1 to 10.2.5 herein, You hereby indemnify AllPro (and its directors, officers, affiliates, agents, successors and assigns against all claims, liabilities damages, costs and expenses (including attorney fees and related charges) for any breach of the provisions specified in clauses 5.2 to 5.14 of this Terms of Use.
    17. AllPro shall have the right, but not the obligation, to monitor or investigate Your use of the Services at any time for compliance with this Terms of Use. Our determination of whether a breach of this Terms of Use has occurred will be final and binding, and any action taken with respect to enforcing the provisions specified in this Terms of Use, including taking no action at all, will be at Our sole discretion.
    18. AllPro may modify the terms in clauses 5.1 to 5.19, at any time. By continuing to use the Services or access Your User Account after the terms specified in clauses 5.1 to 5.19, have been modified, You agree to be bound by the modified terms.
    19. If You suspect that anyone is in breach of clauses 6.2 to 6.14, please contact Us at support@trylittleapp.com
  6. Intellectual Property Rights& Confidentiality
    1. Notwithstanding any other provision in this Terms of Use, AllPro shall remain the exclusive owner of the copyrights, and any other intellectual property rights in the App and the technology anywhere in the world. Rights in the App are licensed (not sold or assigned) to You, and You have no rights in, or to, the App or the technology used other than the right to use the App in accordance with the provisions specified in this Terms of Use. You acknowledge that You have no right to access the App in source-code form. For the purpose of this Terms of Use, Intellectual property means all patents, rights to inventions, utility models, copyright and related rights, trademarks, service marks, trade, business and domain names, rights in trade dress or get-ups, rights in goodwill or to sue for passing off, unfair competition rights, rights in designs, rights in computer software, database right, topography rights, moral rights, rights in confidential information including know how and trade secrets and any other intellectual property rights in each case whether registered or unregistered and including all applications for and renewals or extensions of such rights and all similar or equivalent rights or forms of protection in any part of the world and intellectual property right means any one of the intellectual property rights as the context so requires.
    2. You hereby agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Services, use of the Services, or access to the Services.
    3. You hereby undertake not to disclose any information associated with Our business (not publicly known), including specific business information, technical processes and formulas, software, customer lists, prospective customer lists, names, addresses and other information regarding customers and prospective customers, product designs, sales, costs (including any relevant processing fees), price lists, and other unpublished financial information, business plans and marketing data, (“Confidential information”) to any third party without the prior written consent of AllPro. Confidential Information shall include, but shall not be limited to, any and all other confidential and proprietary information, whether or not marked as confidential or proprietary. Our Confidential Information includes all information that You receive relating to Us or to the Services that is not known to the general public including information related to Our security program and practices.
  7. Third-Party Tools & Links
    1. We may provide You with access to third-party tools over which We do not monitor nor have any control or input. You acknowledge and agree that We provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to Your use of optional third-party tools. Any use by You of optional tools offered through the App is entirely at Your own risk and discretion and You should ensure that You are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).Services available via the App may include materials from third-parties.
    2. Third-party links on the App may direct You to third-party websites that are not affiliated with Us. We are not responsible for examining or evaluating the content or accuracy and We do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties. We are not liable for any harm or damages related to the use of services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure You understand them before You engage in any transaction with such third party. Any complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
    3. We may also offer products on behalf of other third parties, which We think may be useful to You. In that event, please note that Your relationship with such third party will be governed by the said third party’s agreements. We would not be liable for any legal issues arising from Your use of such third party services. You are advised to contact such third party and obtain the relevant legal advice before entering a legal relationship with such third party.
  8. Closing, Restriction Cancellation of User Accounts
    1. AllPro may at its sole discretion restrict or close Your User Account if:
      1. You use Your User Account for unauthorised purposes or where AllPro detects any abuse/misuse, breach of content, fraud or attempted fraud relating to Your use of the Services.
      2. AllPro is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority.
      3. AllPro reasonably suspects or believes that You are in breach of this Terms of Use.
      4. The closure or restriction is necessary as a consequence of technical problems or for reasons of safety; to facilitate update or upgrade the contents or functionality of the Services from time to time; or where Your User Account becomes inactive or dormant.
      5. You fail to make a payment to Us that is due.
      6. You fail to provide, when asked, information to allow us to check Your identity or the validity of any information You have given Us
      7. AllPro decides to suspend or cease the provision of the Services for commercial reasons or for any other reasons it may determine in its absolute discretion.
      8. You breach any of the provisions specified in this Terms of Use.
    2. Closing or restriction of Your User Account shall however not affect any of Our accrued rights and Your liabilities to Us.
    3. You may cancel Your User Account and terminate the Terms of Use at any time by contacting Us via [ ] and then following the specific instructions indicated to You in Our response. Any unique identifiers/codes that We give to You, remains Our property and We can disable, reclaim and reuse these once Your User Account is terminated or deactivated for whatever reason by either You or Us.
    4. Upon cancellation of Your User Account, AllPro would cease providing You with the Services and You will no longer be able to access Your User Account.
  9. Limitation of Liability
    1. AllPro shall not be responsible for any loss suffered by You should the Services be interfered with or be unavailable by reason of a failure caused by Your device, lack of internet connection or any other circumstances whatsoever not within Our control including, without limitation, system error, interruption, delay or non- availability of the services, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.
    2. You hereby agree that, to the extent permitted by applicable laws, AllPro shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses resulting from the use of or inability to use the Services.
    3. AllPro shall have no liability to You for any loss of profit, loss of business, business interruption, or loss of business opportunity as a result of Your unauthorised use of the and the App.
    4. AllPro shall not be liable for any losses or damage suffered by You as a result of or in connection with:
      1. any effect or fault in the and the App or the Services resulting from You having altered or modified the and the App;
      2. any defect or fault in the and the App resulting from You having used the and the App in breach of this Terms of Use; and
      3. Your breach of any of the provisions of this Terms of Use.
    5. AllPro does not warrant that the Services will be uninterrupted, timely, and secure or error free. All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.
    6. If the Services are interfered with or unavailable, Our sole liability under this Terms of Use shall be to re-establish the Services as soon as reasonably possible.
  10. Indemnity
    1. You hereby agree to indemnify and hold harmless AllPro (and its directors, officers, affiliates, agents, successors and assigns against all claims, liabilities damages, costs and expenses (including attorney fees and related charges) which AllPro suffers or incurs or sustains thereby, and You absolve AllPro from all liability for loss or damage which You may sustain from AllPro acting on Your instructions and/or instructions coming from Your User Account in accordance with this Terms of Use.
    2. The indemnity in clause 10.1 above, shall also cover the following:
      1. All demands, claims, actions, losses and damages of whatever nature which may be brought against AllPro or which We may suffer or incur arising from its acting or not acting on any request from Your User Account, or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, riots, acts of vandalism, sabotage, terrorism, any other event beyond Our control.
      2. Any loss or damage that may arise from Your use, misuse, abuse or possession of any third-party software, including without limitation, any operating system, browser software or any other software packages or programs.
      3. Any unauthorised access to Your User Account; any breach of security or any destruction; unauthorised access of Your data; any destruction; theft of; or damage to Your device.
      4. Any loss or damage occasioned by Your failure to adhere to this Terms of Use and/or by supplying incorrect and/or insufficient information.
      5. Your violation of rights of any third party.

  11. Force Majeure How Do We Secure and Store Personal Data?

    AllPro shall not be in breach of this Terms of Use nor liable for any delay in performing, or failure to perform, any of its obligations under this Terms of Use if such delay or failure results from events, circumstances or causes beyond Our control. In such circumstances, the time for performance shall be extended by a period equivalent to the period during which performance of the obligation has been delayed or failed to be performed.
  12. Entire Agreement
    1. This Terms of Use and Our Privacy Policy constitute the entire agreement between You and Us, and supersede and extinguish all previous agreements, promises, assurances, warranties, representations and understandings between Us, whether written or oral, relating to its subject matter.
    2. You acknowledge that in entering into this Terms of Use, You do not rely on any statement, representation, assurance or warranty (whether made innocently or negligently) that is not set out in this Terms of Use or Our Privacy Policy.

  13. Assignment

    You shall not assign any of Your rights and obligations under this Terms of Use without the prior written consent of AllPro.

  14. Severance

    If any provision of this Terms of Use is determined by any court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable to any extent, that provision shall, if possible, be construed as though more narrowly drawn, if a narrower construction would avoid such invalidity, illegality, or unenforceability or, if that is not possible, such provision shall, to the extent of such invalidity, illegality, or unenforceability, be severed, and the remaining provisions of this Terms of Use shall remain in effect.

  15. Waiver

    Any waiver of any provision of this Terms of Use shall not be effective until same is reduced to writing and executed by both parties. Failure of either party to exercise any right provided for by this Terms of Use shall not be deemed as a waiver of that right.

  16. No Partnership or Agency

    This Terms of Use shall not be construed as creating any partnership, joint venture, agency or similar relationship between You and AllPro other than the relationship with respect to carrying out the terms of this Terms of Use. All rights, duties, obligations, and liabilities of AllPro and You shall be separate, individual and several and not joint or joint and several. You have no authority to act as agent for AllPro or bind AllPro in any way.
  • Applicable Law & Dispute Resolution
    1. This Terms of Use is made under, governed by and construed in accordance with the laws of the Federal Republic of Nigeria. The parties agree that they shall seek to amicably resolve all disputes or differences whatsoever which may at any time, whether during the continuance in effect of this Terms of Use or upon or after its discharge or determination, arise between the parties concerning this Terms of Use, its construction or effect, as to the rights, duties and liabilities of the parties under this Terms of Use or as to any other matter in any way connected or arising out or in relation to the subject matter of this Terms of Use (“Dispute” ). If a party determines after negotiating in good faith for 30 (Thirty) days, that any Dispute which may arise between the parties out of this Terms of Use cannot be resolved through negotiation, such matters shall be referred to mediation at the Lagos State Multi-Door Courthouse. In the event that a Dispute, controversy or claim arising between the parties under, out of, in connection with or relating to this Terms of Use or pursuant thereto, fails to be resolved at mediation, the Dispute shall be finally settled by a sole arbitrator to be appointed by agreement between the parties, and in the absence of agreement, by the President of the Chartered Institute of Arbitrators, United Kingdom, Nigeria Branch; and in accordance with the Arbitration and Conciliation Act CAP. A18 Laws of the Federation of Nigeria, 2004. Unless otherwise agreed by the parties, the arbitration shall be held in Lagos, Nigeria.
    2. A party who desires to submit a Dispute for resolution shall commence the dispute resolution process by providing the other party to the Dispute written notice of the Dispute (“Notice of Dispute”).
    3. The Notice of Dispute shall identify the parties to the Dispute and contain a brief statement of the nature of the Dispute and the relief requested. Any Dispute shall be exclusively and definitively resolved through final and binding arbitration, it being the intention of the parties that this is a broad form arbitration agreement designed to encompass all possible Disputes.