Terms of Use

• A Cash Wallet (the “Cash Account”)
• An Invested Account (the “Invested Account”)
• Collectively, (the “Account”)

The Cash Wallet is for assets that are liquid and not invested, typically used for emergency or short-term need purposes. The Invested Account provides Users with access to professionally managed asset allocation strategies (each, a “Model”) managed by Lifeboat Capital.

For the purpose of these Terms of Use, a User is an individual who uses our website or mobile application to evaluate our services, or for educational purposes and a Client is an individual who signs our Client Agreement that entitles the Client to have his or her Account managed by Lifeboat Capital. This Terms of Use, as well as the Privacy Policy: (https://lifeboatcapital.com/privacy-policy)  applies to both Users and Clients. If you elect to become a Client, you will be subject to these Terms of Use, our Client Agreement, our Privacy Policy and any additional terms to which you agree when you create and fund an account.

This app and our website are available for users globally. Similarly, we make no representations that accessing this app or our website from users' respective location(s) is legal or permissible by extant local law(s). If you access this app or our website from your respective location, , you do so at your own risk and are yourself responsible for compliance with local laws.

RISE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO THIS APP AND OUR WEBSITE, THEIR CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. RISE DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:

• REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THIS APP AND OUR WEBSITE, THEIR CONTENT AND/OR USER INFORMATION;
• THAT THIS APP AND OUR WEBSITE WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;
• THAT THIS APP AND OUR WEBSITE WILL BE FREE FROM ELECTRONIC VIRUSES; OR
• REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY THIS APP OR OUR WEBSITE INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.

No advice or information you obtain from this app or our website shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk. Some countries or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.

You may request termination of your User Account at any time and for any reason by sending an email to info@lifeboatcapital.com We may terminate or suspend your access to this app or our website, in our sole discretion, at any time for any reason without notice to you. Further, if we believe, in our sole discretion, that a violation of these Terms of Use has occurred, we may take any other corrective action we deem appropriate. We reserve the right to investigate suspected violations of these Terms of Use. We may seek to gather information from a user who is suspected of violating these Terms of Use (or from any other user) and you agree to provide us with such information. We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing, or otherwise making available any User information, emails, or other materials that are believed to violate these Terms of Use.

Any suspension, termination, or cancellation shall not affect your obligations to Lifeboat Capital under these Terms of Use (including but not limited to ownership, indemnification, and limitation of liability), which by their sense and context are intended to survive such suspension, termination, or cancellation

You agree that these Terms of Use shall be governed by and interpreted in accordance with the laws of the Cayman Islands. Any legal action or proceeding arising under these Terms of Use will be brought exclusively in courts located and the parties hereby irrevocably consent to the personal jurisdiction and venue therein.

• Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
• Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated;
• Use the services solely for your personal, non-commercial use;
• Provide accurate and complete information about yourself for your profile and keep your password confidential;
• Use the Services in a professional manner

• Circumvent, disable, or otherwise interfere with security-related features of this app or our website or features that prevent or restrict use or copying of any content or User information;
• Upload, email, transmit, provide, or otherwise make available:
• any User information which you do not have the lawful right to use, copy, transmit, display, or make available (including any User information that would violate any confidentiality or fiduciary obligations that you might have with respect to the User information); or
• any User information that infringes the intellectual property rights of, or violates the privacy rights of, any third-party (including without limitation copyright, trademark, patent, trade secret, or other intellectual property rights, moral right, or right of publicity); or
• unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation; or
• any personal information that is unlawful, obscene, harmful, threatening, harassing, defamatory, or hateful, or that contain objects or symbols of hate, invade the privacy of any third-party, contain nudity, are deceptive, threatening, abusive, inciting of unlawful action, or are otherwise objectionable in the sole discretion of Lifeboat Capital; or
• any personal information that contains software viruses or any other computer code, files, or programs designed to (i) interrupt, destroy, or limit the functionality of any computer software; or (ii) interfere with the access of any user, host or network, including without limitation overloading, flooding, spamming, mail-bombing, or sending a virus to this app or our website; or
• any personal information that includes code that is hidden or otherwise surreptitiously contained within the User information;
• Use any meta tags or other hidden text or metadata utilizing a Lifeboat Capital name, trademark, URL or product name;
• Forge any TCP/IP packet header or any part of the header information in any posting, or in any way use this app or our website to send altered, deceptive, or false source-identifying information;
• Interfere with or disrupt (or attempt to interfere with or disrupt) any Lifeboat Capital web page, server, or network, or the technical delivery systems of Lifeboat Capital’s providers, or disobey any requirements, procedures, policies, or regulations of networks connected to this app or our website.
• Attempt to probe, scan, or test the vulnerability of any Lifeboat Capital system or network or breach or impair or circumvent any security or authentication measures protecting this app or our website;
• Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software used to provide this app or our website;
• Attempt to access, search, or meta-search this app or our website or content thereon with any engine, software, tools, agent, device, or mechanism other than software and/or search agents provided by this app or our website or other generally available third- party web browsers, including without limitation any software that sends queries this app or our website to determine how a website or web page ranks;
• Violate these terms of use or any other rule or agreement applicable to you or Lifeboat Capital’s inclusion in, reference to, or relationship with any third party or third-party site or service, or your use of any such third-party site or service;
• Collect or store personal information about other users without their express permission;
• Impersonate or misrepresent your affiliation with any person or entity, through pretexting or some other form of social engineering, or commit fraud;
• Solicit any User for any investment or other commercial or promotional transaction;
• Violate any applicable law, regulation, or ordinance;
• Scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);
• Use, launch, or permit to be used any automated system, including without limitation "robots," "crawlers," or "spiders"; or
• Copy or use the information, content or data on this app or our website in connection with a competitive service (as determined by Lifeboat Capital);
• Monitor this app’s or our website’s availability, performance or functionality for any competitive purposes;
• Use this app or our website or content thereon in any manner not permitted by these Terms of Use;
• Copyrighted Materials: No Unauthorized Use. If you become aware of misuse of this app or our website or content thereon by any person, please contact Lifeboat Capital to report any abuse.
• Please note that funding your wallet with the sole purpose of withdrawing it in a bid to profit from the fluctuating FX rates is strongly discouraged and may lead to account suspension or being permanently barred.
  The Lifeboat Capital platform should be used strictly for purpose of participating in the various investment opportunities available on the platform and not a means to round trip FX rates.
  You hereby agree that if we determine that your funding has no investment intent beyond taking advantage of FX rates, your account will be flagged and your funds will be refunded at the original Naira value that was sent or in accordance with the FX rates on the date your account was funded, as determined by Lifeboat Capital.
  This refund process shall be net of all charges incurred. You further agree that if your account is continuously flagged pursuant to the above, your account may be barred permanently without any recourse to you.

In the event that any provision in these Terms of Use is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The failure of a party to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision. You may not assign this Agreement (by operation of law or otherwise) without the prior written consent of Lifeboat Capital, and any prohibited assignment will be null and void. Lifeboat Capital may assign this Agreement or any rights hereunder without your consent. The relationship of the parties under these Terms of Use is that of independent contractors, and these Terms of Use will not be construed to imply that either party is the agent, employee, or joint venture of the other. We reserve the right to change this Agreement by posting a revised Terms of Use and we agree that changes cannot be retroactive. If you don't agree with these changes, you must stop using this app and our website. You agree that the only way to provide us legal notice is at the address provided in Section 5.6.

• Lifeboat Capital via email (in each case to the address that you provide), or
• You via email to info@lifeboatcapital.com or to such other addresses as Lifeboat Capital may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted.

• By submitting unsolicited ideas to Lifeboat Capital or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and
• Such unsolicited ideas automatically become the property of Lifeboat Capital. You hereby assign and agree to assign all rights, titles and interests you have in such feedback and ideas to Lifeboat Capital together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.