Terms and Conditions that Apply to Okra's End-Users

This End-User Agreement ("this Agreement") is a legal agreement between Okra Technologies Limited. ("Okra", "we" or "us") and the End-User of our Services ("you", "your"). This Agreement describes the terms and conditions that apply to your use of the Services. You may not access or use the Services unless you agree to comply with all of the terms and conditions in this Agreement.

You should therefore read this Agreement carefully and make sure you understand it. As it is within your legal rights under relevant laws to be properly informed, if you do not understand any of the terms and conditions of this Agreement, please contact us before using the Services by emailing us at legal@okra.ng

This Agreement only applies when we provide account information services to you in Nigeria, and when we transmit retrieved data related to such services to third parties on your behalf in Nigeria ("our Services"). Such third parties include the owner or provider of the website, desktop and/or mobile application ("Application") through which you have accessed our Services.

It is only with your explicit consent that Okra would access and display information relating to your selected Financial Account(s) ("Account Information") within the Okra dashboard and transmit such information to the Application Provider through which you have accessed our Services.

Such information may include:

• financial transaction history, for example, transaction amount, data, description and currency;
• financial account details, for example, account number, type, currency and balance; and
• financial account holder information, for example, name, address, phone number, and email address.

Before receiving Okra`s account information service, you shall be required to authorise us and the Application Provider through which you have accessed our Services to retrieve your Account Information using Okra. Upon such an instruction, you will generally be redirected to us.

Once you are redirected to us, we will ask you to select which Financial Services provider ("Account Provider") you would like us to access Account Information from. You will give your explicit consent to accessing your Account Information from the Account Provider you have selected. Okra will request your Account Information from your Account Provider on a periodic basis in accordance with your consent until the consent expires or is withdrawn.

You may be redirected to your Account Provider`s website or mobile application in order to authenticate yourself so that your Account Provider knows that you consent to Okra accessing your Account Information.

Okra may ask you to provide the login details for your Financial Account. By providing us with your Financial Account login details, you confirm that you have all the necessary rights, permissions and authority to share your login details and Account Information with Okra, and you grant us explicit consent to use your login details to access your Financial Account to obtain the necessary Account Information on your behalf and at your direction.

Once Okra accesses your Account Information, it is understood that you consent and confirm that Okra may;

• Share your Account Information with third parties as directed by the Application through which you have accessed our Services provided; however, that you have explicitly consented to such sharing;
• Display your Account Information on the Okra dashboard; or
• Use your Account Information as set out in our End-User Privacy Policy and as otherwise described in this Agreement.

You hereby consent to us sharing the Account Information we have has accessed from your Account Provider with the Application through which you have accessed our Services, and with third parties as directed by that Application provided you have explicitly consented to such sharing. Such sharing allows the Application Provider to provide you with products and services in accordance with the Application Provider`s Terms of Service

Okra does not make any guarantee to you nor the Application Provider as to the accuracy of the account information retrieved from your Account Provider through Okra.

Okra may standardise, categorise, merge, aggregate, and otherwise prune your Account Information before displaying those details on the Okra dashboard, sharing it with the Application through which you have accessed our Services, or sharing it with third parties as directed by that Application with your explicit consent.

You may withdraw or vary your consent for Okra to provide account information services at any time in accordance with our End-User Privacy Policy.

Okra Services will allow you to obtain financial information from your Account Provider.

The products and services provided to you by the Application Provider are governed by a separate agreement between you and the Application Provider (“Developers”).

Okra shares no responsibility for the products and services provided to you by or through the Application and will not be liable to you for any harm, damage or loss arising from your use of the products and services provided by or through the Application.

The terms and conditions that apply to the Financial Accounts with your Account Provider that you access through our Services (the "Account Terms") will remain in effect and this Agreement does not change your Account Terms.

Okra shall not charge you for the use of our Services. Applications or other third parties may, however, charge you for products and services provided to you by an Application Provider that make use of the Services provided by Okra under this Agreement.

To access your Okra dashboard, you need to create an account with Okra. You also need to ensure that your information is accurate, complete, and up-to-date. You must follow best practices to help secure your Okra account and notify us if you learn of any unauthorised access to or use of your Okra account.

Okra undertakes to make available the Services however, the manner in which the Services are delivered may vary depending on the type of device you are using, the Account Provider, the type of Financial Account(s) you have, the Account Terms and the Application Terms.

An End-User can only use the Services if:

• The End-User is 18 years old or over;
• The End-User is a resident of and using our Services from Nigeria;
• The End-User provides Okra with accurate, complete, and up-to-date information, and does not misrepresent their identity or any other information about them;
• The End-User agrees to this Agreement, and to using Okra Services in accordance with this Agreement; and
• The End-User agrees to comply with all laws and regulations applicable to their use.

Okra uses your information in line with our End-User Privacy Policy and our Privacy Statement.

If you become uncomfortable with the way we handle your information as explained in our End-User Privacy Policy, you may choose not to use our Service or revoke your consent by sending a notification to privacy@okra.ng or by visiting my.okra.ng

Okra shall not be liable to you for any harm, damage or loss to you arising from the acts or omissions of any third parties, in particular your Account Provider(s) and the Application through which you have accessed our Services.

• Death or personal injury caused by our negligence;
• Okra’s fraud or fraudulent misrepresentation; or
• A deliberate breach of this Agreement in a major way that is designed to harm you.

Okra is not responsible for any complaints or disputes about products and/or services provided by the Application through which you accessed Okra’s Services, other third parties, or your Financial Service/Account Provider. You should settle these with the Application, third party, or Application Provider directly.

We may choose to vary this Agreement at intervals. Where we make changes, we will notify you by updating the effective date at the top of this Agreement. We may also provide notice of any changes to this Agreement through emails and placing notifications on our homepage at okra.ng and your dashboard. Okra encourages you to read this carefully whenever you access the Services to stay informed on the nature of our relationship with you.

You have the right to cancel your contract with Okra, which is set out in this Agreement, at any time without notice by contacting Okra using the Okra contact details set out in this Agreement. Okra may cancel the contract with you, with immediate effect, by giving written notice:

• If you repeatedly break this Agreement and fail to resolve the matter to Okra`s satisfaction in a timely manner; or
• In the event of your death or incapacity;
• We may cancel this Agreement with you for any other reason by giving you at least 1 (one) month’s written notice.

The validity, construction and performance of this Agreement shall be governed by the laws of the Federal Republic of Nigeria.

The parties shall attempt in good faith to settle between themselves any and all disputes arising regarding the validity, interpretation or application of this Agreement, or any other dispute arising from legal relationships resulting from this Agreement.

This clause shall not preclude either Party from obtaining interim reliefs from a court or tribunal of competent jurisdiction pending the resolution by amicable settlement or other alternative dispute resolution forums.