Terms of Service

Last updated 1 Aug 2026

1. About these Terms

These Terms of Service ("Terms") govern your school's access to and use of the Cosine platform, applications, and services (together, the "Services") provided by Cosine Technologies Limited, a company incorporated in the Federal Republic of Nigeria, together with its parent company, subsidiaries, and affiliates from time to time ("Cosine", "we", "us", "our").

These Terms form a binding agreement between Cosine and the educational institution, organisation, or entity that registers for an account ("School", "you", "your").

By creating an account, accessing the Services, or clicking to accept these Terms, you confirm that:

you have read and agree to these Terms;
you are authorised to enter into this agreement on behalf of the School; and
the School will be bound by these Terms.

If you do not agree, do not access or use the Services.

These Terms incorporate by reference:

Addendum A: Data Processing Agreement.
Addendum B: Fee Schedule.
our Privacy Policy.
our Sub-processor List.

Where a conflict arises between these Terms and Addendum A in respect of the processing of personal data, Addendum A prevails.

Parents, guardians, and other persons who make payments through the Services are governed by our separate Parent Payment Terms, and not by these Terms.

2. Definitions

"Collection Account" means a virtual account provisioned to you through a Partner Institution for the receipt of Fee Payments.

"Credit Facility" means any loan, advance, or working capital facility introduced through the Services and provided by a Lending Partner.

"Fee Payment" means a payment made by a Payer in respect of school fees or other charges billed by you through the Services.

"Lending Partner" means a licensed lender, bank, or finance company that provides a Credit Facility.

"Partner Institution" means any licensed financial institution, payment service provider, or other regulated entity through which funds are held, transmitted, or settled in connection with the Services.

"Payer" means a parent, guardian, sponsor, or other person who makes or is invoiced for a Fee Payment.

"Platform Data" means data generated by or through your use of the Services, including student records, enrolment records, attendance records, invoices, and transaction records.

"Transaction Fee" means the fee described in clause 7 and set out in Addendum B.

"Wallet" means the balance record maintained within the Services reflecting funds received on your behalf and not yet withdrawn.

3. Eligibility and account registration

3.1 To use the Services you must be a lawfully constituted educational institution or an entity operating one, and must be able to form a binding contract under Nigerian law.

3.2 You must provide accurate, current, and complete information during registration and keep it updated. You must promptly notify us of any change to your ownership, control, registered details, or banking details.

3.3 Access to payment collection features requires completion of our onboarding and verification process. This includes identity and business verification checks carried out by us or by our Partner Institutions, and may include the collection of corporate registration documents, director and beneficial owner information, and identification documents. These checks are required by law and by our Partner Institutions. We may decline, suspend, or withdraw access where verification is incomplete, cannot be completed, or produces results we or a Partner Institution consider unsatisfactory.

3.4 The account belongs to the School, not to any individual. Access to the account is granted to individual users through permissions you assign and control. You are responsible for:

(a) determining which users have access and what permissions they hold;

(b) reviewing permissions regularly and revoking access promptly when a user leaves your employment or changes role;

(d) ensuring users keep their credentials confidential.

3.5 You must notify us without undue delay at security@trycosine.com if you suspect unauthorised access to your account. Until you do, activity carried out through your account is treated as authorised by you.

4. The Services

4.1 Subject to these Terms, we grant you a non-exclusive, non-transferable, revocable licence to access and use the Services for your internal business purposes during the term of this agreement.

4.2 The Services may include, depending on the modules you are enrolled in:

School management tools: enrolment, student records, classrooms, attendance, assessment and report card generation;
Fee billing and collection: invoice creation, distribution to Payers, provision of one or more Collection Accounts, automated reminders, and payment attribution;
Reconciliation and reporting: matching of received funds to invoices and associated reporting;
Wallet and settlement: display of your available balance and initiation of withdrawals to your nominated bank account;
Credit introduction: introduction to Lending Partners, subject to clause 12; and
Scholarship and fund features: where made available, subject to separate terms.

4.3 Not all modules are available at all times. Some features described on our website or in marketing materials are under development. We do not commit to delivering any specific feature, and marketing materials do not form part of this agreement.

4.4 We may modify, add, or remove features from time to time. Where a change materially reduces the core functionality you are using, we will give you at least 30 days' prior notice by email or in-product notification.

5. Our role: important notice

5.1 We are a technology company, not a bank. Cosine is not a licensed bank, deposit-taking institution, microfinance bank, or lender. We do not accept deposits, and we do not carry on banking business.

5.2 Funds arising from Fee Payments are received and held by our Partner Institutions, which are licensed and regulated in Nigeria. The Wallet balance shown in the Services is a record of amounts received on your behalf and available for withdrawal. It is not a bank account, and it is not a deposit with Cosine.

5.3 Wallet balances do not earn interest, and no interest is payable by us on any amount held.

5.4 Except where expressly stated, we act as your service provider and technology agent in relation to the collection of fees. We do not act as your legal or financial adviser, and nothing in the Services constitutes financial, tax, accounting, or legal advice.

5.5 Where a Partner Institution suspends, freezes, delays, or restricts a Collection Account, a settlement, or a withdrawal, we will notify you and use reasonable efforts to assist, but we are not responsible for the acts, omissions, insolvency, or regulatory decisions of that Partner Institution.

6. Billing Payers

6.1 You are solely responsible for the fees you bill, their amount, their basis, and their lawfulness. We do not set, review, verify, or approve the amounts you bill.

6.2 You instruct and authorise us to issue invoices, send payment reminders, and otherwise communicate with Payers on your behalf and in your name in respect of amounts you have billed, using contact details you provide.

6.3 You warrant that:

you have a lawful basis to bill each Payer for each amount billed;
the contact details you provide for Payers are accurate and lawfully obtained; and
you have provided each Payer with any notice, and obtained any consent, required under applicable data protection law for their personal data to be shared with us and used for these purposes.

6.4 Reminder cadence. Where you enable automated reminders, we will contact Payers according to the reminder schedule configured in the Services, which by default runs for up to 42 days from the invoice due date. You may adjust or disable the cadence in your account settings. You are responsible for the cadence you select being appropriate and proportionate.

6.5 Escalation. Where an invoice remains unpaid at the end of the reminder cycle, you may instruct us to escalate the matter to our collections function, which may contact the Payer to discuss payment arrangements or available scholarship options. Escalation is at your instruction and on your behalf. We will not commence legal proceedings, engage third-party debt collectors, report to credit bureaux, or take enforcement action against any Payer. Where a matter cannot be resolved, we will return it to you and you will decide how to proceed.

6.6 We may decline to send, or may cease sending, any communication that we reasonably consider unlawful, abusive, misleading, or likely to expose us or you to regulatory or reputational risk.

7. Fees and charges

7.1 Transaction Fee. We charge a Transaction Fee on each Fee Payment received through the Services, calculated as a percentage of the gross amount of that payment. The current rate is set out in Addendum B: Fee Schedule. The Transaction Fee is uncapped in absolute terms.

7.2 Who bears the Transaction Fee. At the time of billing, you select whether to:

absorb the Transaction Fee, in which case it is deducted from the amount credited to your Wallet; or
pass it through to the Payer as a separate line item on the invoice, in which case the Payer pays the invoice amount plus the Transaction Fee and your Wallet is credited with the invoice amount.

Where you pass the Transaction Fee through, you are responsible for it being clearly and accurately presented to the Payer.

7.3 Deduction. We may deduct the Transaction Fee and any other amount properly due to us from funds received on your behalf, from your Wallet, or from any withdrawal, before crediting or settling the balance to you.

7.4 Third-party charges. Your bank or a Partner Institution may apply its own charges to withdrawals or transfers. Those charges are separate from the Transaction Fee and are not ours.

7.5 Taxes. All fees are exclusive of value added tax and any other applicable tax, which will be added where required by law. You are responsible for all taxes arising from your own activities, including any tax on the fees you charge Payers.

7.6 Changes to fees. We may change the Transaction Fee or introduce new fees by updating Addendum B on at least 60 days' prior written notice. If you do not accept the change you may terminate under clause 21.2 before it takes effect, without penalty. Where we have granted you a written pricing lock, that lock prevails over this clause for its stated duration.

8. Collection Accounts and payment attribution

8.1 We arrange for one or more Collection Accounts to be provisioned to you through a Partner Institution. Collection Accounts are provided on the Partner Institution's terms, and their availability depends on that Partner Institution.

8.2 Number of accounts. You may hold up to 5 Collection Accounts, subject to availability of the feature and to verification. Additional accounts may be provisioned at our discretion on request. You may scope Collection Accounts to campuses, sites, or purposes, and where we make the feature available, configure automatic allocation of incoming funds between them. You remain responsible for all Collection Accounts held in your name and for the accuracy of any allocation rules you configure.

8.3 Attribution. Incoming Fee Payments are attributed to invoices and Payers using automated matching, which relies on payer name, reference, amount, receiving account, and other available identifiers.

8.4 Attribution is not guaranteed to be correct. Automated matching is probabilistic. Payments may be unmatched, partially matched, or matched to the wrong invoice, Payer, or Collection Account, particularly where a Payer uses an inconsistent name, an incorrect reference, a third-party account, or a consolidated payment. We will make reasonable efforts to attribute payments accurately and to provide tools for you to review, correct, and reassign attributions.

8.5 Your obligation to review. You are responsible for reviewing attribution and reconciliation output and notifying us of any error without undue delay, and in any event within 60 days of the date the relevant transaction appears in the Services. Where you notify us within that period, we will correct the record and adjust balances accordingly. We are not liable for losses arising from an attribution error that you could reasonably have identified and did not report within that period.

8.6 Unattributed funds. Where a payment cannot be attributed, it will be held as unattributed and shown to you for manual resolution. Where a payment remains unattributed and unresolved for 90 days, we may return it to the originating account, and will notify you before doing so.

8.7 You must not use a Collection Account for any purpose other than the receipt of Fee Payments and other charges legitimately billed by you to Payers.

9. Wallet, settlement, and withdrawals

9.1 Amounts received and successfully attributed, net of the Transaction Fee and any other amount due to us, are credited to your Wallet.

9.2 You may initiate a withdrawal from your Wallet to your nominated bank account, or a transfer to another account, in each case subject to available balance, verification, and the processing times of the relevant Partner Institution. We target processing of withdrawal instructions within 1 business day, but we do not guarantee settlement times.

9.3 You are responsible for the accuracy of your nominated bank account details. We are not liable for funds sent to an incorrect account as a result of details you provided.

9.4 We may place a hold on, delay, or decline a withdrawal, or restrict Wallet activity, where:

we are required to do so by law, regulation, court order, or the instruction of a regulator or Partner Institution;
we reasonably suspect fraud, money laundering, terrorist financing, or other unlawful activity;
there is an unresolved dispute, chargeback, reversal, or negative balance on your account; or
verification under clause 3.3 is outstanding.

Where we do so, we will notify you and give reasons unless we are prohibited by law from doing so.

9.5 Negative balance. Where your Wallet balance becomes negative, including as a result of a reversal, chargeback, correction, or erroneous credit, you must repay the shortfall on demand. We may recover it by deduction from subsequent receipts, from your Wallet, or by direct invoice.

9.6 Dormancy. Where your account is closed and a Wallet balance remains, we will use reasonable efforts to remit it to your last verified bank account. Where remittance is not possible, the balance will be dealt with in accordance with applicable law and the requirements of the relevant Partner Institution.

10. Refunds, reversals, and chargebacks

10.1 Refunds to Payers are your responsibility. Where a Payer is entitled to a refund of school fees, the refund is owed by you, not by us. You may initiate a refund through the Services where funds are available, or settle it directly with the Payer.

10.2 Transaction Fee on refunds. Where a Fee Payment is refunded in full through the Services, we will refund the Transaction Fee on that payment, so that the Payer receives the full amount they paid. Where the refund is partial, we will refund the Transaction Fee proportionately. Where you absorbed the Transaction Fee, it is credited back to your Wallet. Where you passed it through to the Payer, it is refunded to the Payer as part of the refunded amount.

10.3 Where the underlying transaction failed or was reversed before value was received, no Transaction Fee applies.

10.4 Third-party charges are not refunded by us. Charges applied by a Partner Institution, bank, or payment scheme in respect of the original payment or the refund are outside our control and are not refunded by us. Where such a charge arises on a refund, it is borne by you.

10.5 Our error. Where funds have been misattributed, over-deducted, or incorrectly credited as a result of an error in the Services, we will correct the record and adjust the affected balances at no charge to you, once the error is identified.

10.6 Reversals and chargebacks. Where a Partner Institution, bank, or scheme reverses a payment, the reversed amount will be debited from your Wallet. Where your Wallet is insufficient, clause 9.5 applies. We will provide the transaction records available to us to help you respond to a disputed payment, but the outcome of a reversal is determined by the relevant institution and not by us.

10.7 Nothing in this clause limits any right a Payer has against you under consumer protection law or under your own contract with them.

11. Acceptable use

11.1 You must not, and must not permit any person to:

(a) use the Services for any unlawful purpose, or in breach of any applicable law, regulation, or licence condition;

(b) use the Services to collect funds other than fees and charges legitimately billed by you in the ordinary course of operating your institution, including using a Collection Account as a general-purpose payment channel, a payment channel for a third party, or a means of aggregating funds on behalf of others;

(c) engage in or facilitate fraud, money laundering, terrorist financing, sanctions evasion, or the handling of proceeds of crime;

(d) upload or transmit content that is unlawful, defamatory, obscene, harassing, or infringes the rights of any person;

(e) upload or transmit malware or any code intended to disrupt, damage, or gain unauthorised access to any system;

(f) attempt to gain unauthorised access to the Services, any account, or any underlying system or network;

(g) probe, scan, penetration-test, or otherwise test the vulnerability of the Services without our prior written consent;

(h) copy, modify, translate, reverse engineer, decompile, or disassemble any part of the Services, or attempt to derive their source code, except to the extent this restriction is unenforceable under applicable law;

(i) scrape, crawl, or use automated means to extract data from the Services other than through an interface we provide for that purpose;

(j) resell, sublicense, rent, or otherwise make the Services available to any third party, or use the Services to build a competing product;

(k) misrepresent your identity, your authority to act for the School, or your affiliation with any person;

(l) impose an unreasonable or disproportionate load on our infrastructure, or circumvent any rate limit or usage restriction; or

(m) remove, obscure, or alter any proprietary notice in the Services.

11.2 We may investigate any suspected breach of this clause and may suspend access under clause 20 pending investigation. We may report suspected unlawful activity to law enforcement, regulators, or Partner Institutions, and may provide them with relevant records.

12. Credit facilities

12.1 Where credit features are made available, Cosine is not the lender. We introduce you to Lending Partners, supply underwriting inputs derived from Platform Data with your authorisation, and provide the technical infrastructure for disbursement and repayment collection.

12.2 Any Credit Facility is a contract between you and the Lending Partner, on the Lending Partner's terms. The Lending Partner alone decides whether to offer a facility, on what terms, and at what price.

12.3 We do not guarantee that any Credit Facility will be offered or approved, and we do not warrant the terms of any facility. We do not provide credit advice or recommend any facility as suitable for you.

12.4 You authorise us to share Platform Data, transaction history, and account information with prospective and actual Lending Partners for the purpose of assessing, providing, and administering a Credit Facility, and to collect repayments from your Wallet or a Collection Account where you have agreed to that arrangement with the Lending Partner.

12.5 Where you have authorised repayment collection, amounts due to a Lending Partner may be deducted from receipts before crediting your Wallet, in accordance with the terms you agreed with that Lending Partner.

12.6 We may receive a fee, commission, or revenue share from a Lending Partner in connection with an introduction or facility.

13. Your data and our data

13.1 Your content. As between you and us, you own Platform Data that you or your users submit to the Services. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit, display, and adapt that data to the extent necessary to provide, secure, support, and improve the Services and to comply with law.

13.2 Personal data. Where we process personal data on your behalf, we do so as your processor under Addendum A: Data Processing Agreement. Where we determine the purposes and means of processing, including in relation to your account users, verification, fraud prevention, and our own business operations, we act as controller and our Privacy Policy applies.

13.3 Student data. You are the controller of student and guardian personal data uploaded to the Services. You warrant that you have obtained all consents and provided all notices required by applicable law, including the consent of a parent or legal guardian where required for the processing of a child's personal data, and that you have the authority to instruct us to process that data.

13.4 Aggregated and anonymised data. We may generate aggregated or de-identified data from use of the Services and use it for any lawful purpose, including benchmarking, analytics, research, product improvement, and credit model development. Such data will not identify you, any Payer, or any student, and we will not attempt to re-identify it.

13.5 Data export. During the term, you may export Platform Data using the export tools we provide. On termination, clause 21.4 applies.

14. Intellectual property

14.1 The Services, including all software, interfaces, documentation, designs, algorithms (including our payment matching and reconciliation logic), trade marks, and all associated intellectual property rights, are owned by us or our licensors. Nothing in these Terms transfers any of those rights to you.

14.2 You may not use our name, logo, or trade marks without our prior written consent, except to identify Cosine as your service provider.

14.3 Feedback. If you give us suggestions or feedback about the Services, we may use it without restriction or obligation to you, and you assign to us any rights in it.

14.4 Reference use. We may identify you as a customer and use your name and logo in our marketing materials. You may withdraw this permission at any time by writing to hello@trycosine.com, and we will cease new use within a reasonable period.

15. Confidentiality

15.1 Each party may receive non-public information of the other that is marked confidential or would reasonably be understood to be confidential ("Confidential Information").

15.2 The receiving party will use Confidential Information only to perform this agreement, will protect it with at least reasonable care, and will not disclose it except to its personnel, professional advisers, and subcontractors who need it and are bound by equivalent obligations.

15.3 These obligations do not apply to information that is or becomes public through no breach, was already lawfully known, is independently developed, or is lawfully received from a third party. Disclosure required by law, regulation, or court order is permitted, with prior notice to the other party where lawful.

15.4 These obligations survive termination for 3 years, and indefinitely in respect of personal data and trade secrets.

16. Third-party services

16.1 The Services depend on third parties, including Partner Institutions, hosting providers, messaging providers, and Lending Partners. Some are listed in our Sub-processor List.

16.2 Where you connect a third-party service to the Services, or we integrate one at your request, your use of that service is governed by that provider's terms. We are not responsible for third-party services, their availability, or their acts and omissions, except as set out in Addendum A in respect of sub-processors.

17. Availability, support, and warranties

17.1 We will provide the Services with reasonable skill and care, in a manner consistent with generally accepted industry practice.

17.2 We aim for high availability but do not guarantee that the Services will be uninterrupted, timely, secure, or error-free. Availability may be affected by maintenance, third-party failures, network conditions, and events outside our control.

17.3 We will use reasonable efforts to schedule planned maintenance outside peak usage hours and to give advance notice of maintenance likely to cause material disruption. We may carry out emergency maintenance without notice.

17.4 Except as expressly stated in these Terms, and to the maximum extent permitted by law, the Services are provided "as is" and we exclude all other warranties, conditions, and representations, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Services will meet your requirements or that any specific result will be achieved, including any level of fee collection, recovery rate, or reconciliation accuracy.

17.5 Nothing in these Terms excludes or limits any right you have that cannot be excluded or limited under applicable Nigerian law.

18. Limitation of liability

18.1 Nothing in these Terms limits either party's liability for fraud, fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be limited under applicable law.

18.2 Excluded losses. Subject to clause 18.1, neither party is liable for loss of profit, loss of revenue, loss of anticipated savings, loss of business or business opportunity, loss of goodwill or reputation, or any indirect or consequential loss, however arising.

18.3 Cap. Subject to clauses 18.1 and 18.4, our total aggregate liability arising out of or in connection with this agreement, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, is limited to the lesser of:

(a) the total Transaction Fees paid by you to us in the 12 months immediately preceding the event giving rise to the claim; and

(b) ₦500,000 (Five Hundred Thousand Naira).

18.4 The cap does not apply to funds held for you. Clause 18.3 does not limit our obligation to credit, remit, or account to you for funds actually received on your behalf and properly due to you, or to amounts payable under clause 10.5.

18.5 We are not liable for loss arising from: your instructions or the instructions of your users; data you or your users supplied; your failure to review reconciliation output within the period in clause 8.5; your breach of clause 11 or clause 13.3; unauthorised access resulting from your failure to secure credentials or to manage permissions under clause 3.4; or the acts, omissions, insolvency, or regulatory decisions of a Partner Institution or Lending Partner.

18.6 Each party must take reasonable steps to mitigate its loss.

19. Indemnity

19.1 You will indemnify us against all liabilities, losses, damages, fines, penalties, costs, and reasonable legal fees arising from any third-party claim, regulatory action, or investigation to the extent it arises from:

(a) fees or charges you billed, including any dispute as to their lawfulness or amount;

(b) your breach of clause 6.3, clause 11, or clause 13.3, including any failure to obtain a required consent in respect of a Payer's or a student's personal data;

(d) your negligence or wilful misconduct.

19.2 We will notify you promptly of any claim under this clause, will not settle it without your consent (not to be unreasonably withheld), and will give you reasonable assistance at your cost.

20. Suspension

20.1 We may suspend all or part of your access to the Services, including Wallet activity and withdrawals, immediately and without prior notice where:

(a) we are required to do so by law, regulation, a court, a regulator, or a Partner Institution;

(b) we reasonably suspect fraud, money laundering, or other unlawful or fraudulent activity on your account;

(d) verification under clause 3.3 is outstanding or has failed;

(e) continued provision would expose us, a Partner Institution, or any Payer to material legal, regulatory, financial, or security risk; or

(f) an amount properly due to us remains unpaid 30 days after written demand.

20.2 We will notify you of the suspension and its reasons as soon as we reasonably can, unless prohibited by law. We will lift the suspension promptly once the cause is resolved. Suspension is not termination, and does not affect amounts already accrued.

21. Term and termination

21.1 This agreement starts when you first accept these Terms and continues until terminated in accordance with this clause.

21.2 By you. You may terminate for convenience on 30 days' written notice to hello@trycosine.com. Termination does not entitle you to a refund of Transaction Fees already incurred.

21.3 By us. We may terminate:

(a) for convenience on 90 days' written notice;

(b) immediately, on written notice, where you commit a material breach that is incapable of remedy, or that you fail to remedy within 14 days of written notice;

(d) immediately, where you become insolvent, enter liquidation or administration, cease to carry on business, or a receiver is appointed over your assets.

21.4 On termination:

(a) your access to the Services ends, save for any read-only or export access we make available;

(b) we will remit your remaining Wallet balance, less any amount due to us, to your last verified bank account, subject to clause 9.4;

(c) you may export Platform Data for 60 days after termination. After that period, we will delete or anonymise Platform Data in accordance with Addendum A and our retention schedule, except where we are required to retain records by law, including financial, transaction, and anti-money laundering records;

(d) any Credit Facility continues to be governed by your agreement with the Lending Partner and is unaffected by termination of this agreement; and

(e) clauses 5, 7.3, 9.5, 10, 13.4, 14, 15, 18, 19, 21.4, 22, and 25 survive.

22. Complaints and dispute resolution

22.1 How to complain. If you are dissatisfied with any aspect of the Services, contact us at hello@trycosine.com. Please include your school name, a description of the issue, relevant dates and transaction references, and the outcome you are seeking.

22.2 Our commitment. We will:

acknowledge your complaint within 2 business days;
provide a substantive response or a status update within 10 business days; and
aim to resolve complaints within 30 days of receipt, and will tell you if we need longer and why.

22.3 Escalation. If you are not satisfied with our response, you may escalate it by writing to legals@trycosine.com. Where your complaint concerns a payment, a Collection Account, or the conduct of a Partner Institution, you may also refer it to the Partner Institution's own complaints channel, and to the Consumer Protection Department of the Central Bank of Nigeria. Where it concerns the handling of personal data, you may complain to the Nigeria Data Protection Commission.

22.4 Escalation to dispute. If a dispute is not resolved through clauses 22.1 to 22.3 within 30 days, either party may refer it to mediation in Lagos, Nigeria, under the Lagos Multi-Door Courthouse rules, before commencing proceedings. This does not prevent either party from seeking urgent injunctive relief at any time.

23. Force majeure

Neither party is liable for failure or delay in performance caused by an event beyond its reasonable control, including act of God, flood, fire, epidemic, war, civil unrest, terrorism, industrial action, failure of telecommunications or internet infrastructure, power failure, cyber attack, currency restriction, or act of government or regulator. The affected party will notify the other and use reasonable efforts to mitigate. Payment obligations for amounts already due are not excused. If the event continues for more than 60 days, either party may terminate on written notice.

24. Changes to these Terms

24.1 We may amend these Terms and the Addenda. Where an amendment is material, we will give at least 30 days' prior notice by email to your registered address or by in-product notification. Fee changes are governed by clause 7.6.

24.2 Continued use of the Services after the effective date constitutes acceptance. If you do not accept a material amendment, you may terminate under clause 21.2 before it takes effect, and clause 21.4 applies.

24.3 We may make immediate changes where required by law, regulation, or a Partner Institution, and will notify you as soon as practicable.

25. General

25.1 Governing law. These Terms are governed by the laws of the Federal Republic of Nigeria.

25.2 Jurisdiction. Subject to clause 22.4, the courts of Lagos State have exclusive jurisdiction.

25.3 Assignment. You may not assign or transfer this agreement without our prior written consent. We may assign or transfer it to a parent company, subsidiary, or affiliate, or in connection with a merger, acquisition, reorganisation, or sale of assets, on notice to you.

25.4 Notices. Notices to us must be sent to legals@trycosine.com. Notices to you will be sent to the email address registered on your account or given in-product. Email notices are deemed received on the next business day.

25.5 No partnership. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship, except as expressly stated in clause 6.2.

25.6 Third-party rights. No person other than the parties has any right to enforce these Terms.

25.7 Severability. If any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed. The remaining provisions continue in force.

25.8 Waiver. A failure or delay in exercising a right is not a waiver of it.

25.9 Entire agreement. These Terms, together with the Addenda, the Privacy Policy, the Sub-processor List, and any order form or written agreement signed by both parties, are the entire agreement between us and supersede all prior discussions, proposals, and marketing materials. Where a signed order form conflicts with these Terms, the order form prevails for the matters it expressly covers.

25.10 Language. These Terms are in English. Any translation is for convenience only.

26. Contact us

Cosine Technologies Limited

Purpose	Contact
Support and general enquiries	hello@trycosine.com
Complaints	hello@trycosine.com
Legal notices and escalation	legals@trycosine.com
Data protection and security	security@trycosine.com