Terms of Use

Effective Date: April 7, 2026

1. Introduction

Welcome to Jadegate, a digital platform operated by Jadegate Tech Limited ("we," "us," or "our"). By accessing or using the Jadegate mobile application and services ("Platform"), you agree to be bound by these Terms of Use ("Terms").

If you do not agree to these Terms, please do not use the Platform.

2. Eligibility

By using the Platform, you confirm that:

  • You are at least 18 years old
  • You have the legal capacity to enter into these Terms
  • You are using the Platform for lawful purposes

If you use the Platform on behalf of an organization, you represent that you have the authority to bind that organization.

3. Account Registration

To access our services, you must create an account and provide accurate information, including:

  • Name
  • Email address
  • Phone number
  • BVN (Bank Verification Number)
  • NIN (National Identification Number) where required

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities conducted under your account

You must notify us immediately of any unauthorized access.

4. Services Provided

Jadegate provides digital financial and marketplace services, including:

Currency Conversion

  • Conversion of Nigerian Naira (NGN) to Chinese Renminbi (RMB)
  • Facilitation of cross-border payments

Wallet Services

  • Creation of a virtual wallet and dedicated account for deposits
  • Storage and management of funds

Bill Payments

  • Payment of utilities including airtime, data, electricity, and other services

China Marketplace Services

  • Assistance with sourcing goods and services from China
  • Communication with agents for procurement, manufacturing, and logistics
  • Facilitation of supplier-related transactions

We reserve the right to modify, suspend, or discontinue any service at any time.

5. User Responsibilities

By using the Platform, you agree to:

  • Provide accurate and up-to-date information
  • Use the Platform only for lawful purposes
  • Not engage in fraud, money laundering, or illegal activities
  • Not attempt to bypass or interfere with platform security

6. Fees and Charges

Certain services may attract fees, including:

  • Currency conversion margins
  • Transaction fees
  • Marketplace service charges

All applicable fees will be clearly displayed before you confirm any transaction.

7. Currency Exchange Disclaimer

Currency exchange rates on Jadegate:

  • Are subject to market fluctuations
  • May differ from official or interbank rates

We do not guarantee that our rates will always be the most favorable.

8. Security and Data Protection

We implement industry-standard security measures to protect your data.

By using the Platform, you consent to the collection and use of your information in accordance with our Privacy Policy.

You are responsible for:

  • Keeping your login details secure
  • Protecting your transaction PIN

9. Marketplace and Third-Party Services

For China marketplace services:

  • Jadegate may connect users with third-party agents or suppliers
  • We do not manufacture goods or directly control third-party services
  • We are not liable for disputes arising from supplier transactions

Users are responsible for verifying supplier details before transactions.

10. Limitation of Liability

To the maximum extent permitted by law, Jadegate shall not be liable for:

  • Loss of profits, funds, or data
  • Delays in transactions
  • Third-party service failures
  • Marketplace-related disputes

All services are provided on an "as is" basis.

11. Suspension and Termination

We may suspend or terminate your account if:

  • You violate these Terms
  • Suspicious or fraudulent activity is detected
  • Required by law or regulatory authorities

12. Dispute Resolution

In the event of a dispute:

  • Parties shall attempt to resolve the matter amicably
  • If unresolved, the matter may be escalated to legal proceedings in Nigeria

13. Amendments

We may update these Terms at any time.

Changes will take effect immediately upon posting. Continued use of the Platform means you accept the updated Terms.

14. Governing Law

These Terms shall be governed by the laws of the Federal Republic of Nigeria.

15. Contact Information

Jadegate Tech Limited

Ibadan, Oyo State, Nigeria

Email: admin@jadegatetech.com

Phone: +2347078870760

16. Entire Agreement

These Terms, together with our Privacy Policy and other policies, constitute the entire agreement between you and Jadegate.

17. User Acknowledgement

By using Jadegate, you confirm that you have read, understood, and agree to these Terms of Use.