Terms and Conditions for PWAN Online Services (Nigeria)

Effective: July 25, 2025

Important: Please carefully read and understand these terms and conditions (“terms”). They contain an arbitration agreement, jury and class action waivers, limitations on VGAL – PWAN liability and other provisions that affect your legal rights.

By installing, accessing or using any websites, mobile apps, email newsletters and subscriptions, and other digital properties on which these terms are posted or referenced (together, “online services”), you are entering into a binding agreement with Vikkystar Global Assets Limited who runs PWAN Info (pwan.com.ng) (“Vikkystar Global Assets Limited – PWAN Real Estate”, “we” or “us”), which controls and operates the online services from its headquarters in Lagos and Abuja.

In addition to terms that apply generally to the online services, these terms contain sections applicable to the Performance Value Rewards program, VGAL Text Messaging program, and the PWAN Delivery program that apply only with regard to your participation in those programs. The terms for these programs may vary from the terms applicable to the online services generally.

Please also review PWAN  Privacy Statement, which describes how we collect, use, and share information. By accepting these terms, you also understand and agree these terms will govern any disputes arising out of or related to PWAN Privacy Statement.

By accepting these terms, you understand and agree that, as stated in Section 9, you are waiving your right to resolve any dispute through other processes that could be available to you, such as court actions or administrative proceedings. It also means that you are waiving your rights to a trial by jury or to combine your dispute with others in a class action.

The online services are not intended to be used by, or targeted to, anyone under the age of 18 years old. You must be at least 18 years old to use the online services.

If you do not agree to these terms, then you must immediately stop using the online services and request that PWAN close any online services account that you have created. You can request account deletion by email at contact@pwan.com and making a deletion request or by contacting us at (234) 916-0009-929.

1. About the online services.

Availability of properties and services. 

PWAN-VGAL properties and services are available in many parts of the Nigeria. However, the online services may describe properties and services that are not available nationwide

 

Obey the rules of the road. 

Whenever you use the online services, you must obey the rules of the road and all applicable rules and regulations. You must not use the online services while driving or while behind the wheel or controls of a vehicle that is moving or not in “park”. In the interest of safety at all times, you should only use the online services when it is lawful and safe to do so.

 

You are responsible for your devices and accounts. 

You are responsible for any devices, software and services needed to use the online services. PWAN does not guarantee that the online services will fully function on any particular device or with any particular software. You are also responsible for any messaging and data charges, fees, and taxes for your use of the online services, including when we communicate with you by text, email, or other means that you choose. You may only use the online services with devices that you own or control and using only the authorized operating system (e.g., Apple iPhone OS for Apple devices). If you create an online services account, you are responsible for keeping the account secure and for all activity under the account. You can only use one online services account and must keep your account information accurate at all times. An email may be required to create an online services account. You are not permitted to register multiple accounts under multiple email addresses.

 

 VGAL right to update or terminate the online services. 

You understand and consent that (with or without notice) VGAL may update, modify, or terminate the online services (or your access to them) from time to time, including by pushing updates to (or removing functionality or access from) any PWAN mobile app controlled or created by VGAL that you have installed on your device. If you are not satisfied with the online services following such changes, your sole remedy is to discontinue use of those online services.

 

Updates to these terms. 

PWAN may also update these terms at any time and at its sole discretion. If VGAL’s makes material changes to the terms, we will notify you by reasonable means. In addition, PWAN Info will post the new terms in the online service.  Please review these terms from time to time to view any changes. If you do not agree to the changed terms, then you must immediately stop using the online services and request that VGAL close any online services account that you have created. To close your account, you can visit ‘your profile’ and select ‘delete account’.

 

Independent businesses own and operate many PWAN Affiliate.

While Vikkystar Global Assets Limited operates and controls the online services of pwan.com.ng, it is not responsible for the operation of most PWAN Affiliate. Most affiliate are instead owned and operated by independent franchisees of PWAN and some are operated by PWAN Group subsidiaries (such franchisees and subsidiaries are together, “properties”). Each affiliate is solely and independently responsible for its legal and regulatory compliance, for any issues relating to the supply of the properties to you, and for any employment related matters in the Affiliate.

 

Links to job opportunities from the online services. 

PWAN Group and all affiliates are equal opportunity employers committed to diverse workforces. The online services may provide links to job opportunities posted by PWAN or it affiliates. These opportunities are with the Affiliates and with PWAN Info or its parent company (Vikkystar Global Assets Limited). This means that the affiliate that posted the opportunity is alone responsible for setting the job requirements, all hiring decisions, and all other employment related matters in its business. Neither PWAN Info nor its parent company receives a copy of any application you submit to a affiliate that is a PWAN Business Owners, neither controls whether you receive an interview or are hired, and neither controls affiliates’ employment policies and practices. Neither PWAN nor its parent company employs independent affiliate. If you are hired by a affiliate that is a PWAN Business Owner, only that affiliate, and not PWAN Info nor its parent company (Vikkystar Global Assets Limited or PWAN Group), will be your employer.

 

How to contact us.

If you have any questions or comments regarding the online services, please visit the Contact Us section in the online services or you can always visit the Contact Us page.

2. Our information practices and communications with you.

How we communicate with you.

Through the online services, you may opt in to receive emails, text messages to the mobile number you provide to us or push notifications from PWAN Info. When you opt into any of these types of communications, you understand and consent that you will receive marketing, transactional and other messages from PWAN. PWAN Real Estate may use the information you have provided to us to communicate with you in accordance with PWAN Privacy Statement and International Privacy Notice.

 

Opting out of communications generally. 

You have a choice in how we communicate with you. You can generally find your communication preferences with instructions on how to opt out of various communications in the profile section of the online service that you use. You may also have the ability to change certain communication preferences, such as mobile app notifications, using your device settings. In addition, our communications themselves may include the opportunity to opt out, such as by selecting the “unsubscribe” link in emails, or following the opt-out procedures for text messages described in the PWAN Text Messaging Program Terms & Conditions. You understand and agree that you may need to separately manage your communication preferences for each communication method. For example, if you opt out of receiving marketing emails, you may still receive marketing text messages if you’ve opted in to receiving them. While we do our best to offer convenient methods for you to manage your communications preferences, you may need to separately adjust your preferences for each online service. Please note that for some account-related and transactional communications, the only way to stop receiving these communications may be to close your online services account. Lastly, please note that if you are receiving communications from a PWAN Affiliate, then you will need to opt out from them directly.

 

Additional information on text messages. 

When you opt in to any of our text message programs, you understand that such text message programs are separately governed by PWAN Text Messaging Program Terms & Conditions. You understand and consent that you will receive text messages from an automated system. You further understand that your consent is not required to make any investment. If you wish to withdraw your consent and unsubscribe, please text STOP to the appropriate short code or contact us. For more information, please visit  PWAN Text Messaging Program Terms & Conditions.

3. Placing Investment for Owning Properties and Mobile Investment & Own (MIO).

This section applies to investment you place using the online services, including in certain geographic areas where you can invest ahead via the PWAN mobile app so the affiliate can start your investment order ahead of your arrival. This program is known as “MIO” or the “MIO Program.” Please read this section before you place any Investment to PWAN using the online services and/or MIO. Please note that investment may not be available in all online services. If you are within the geographical areas where MIO is available, the MIO option may be displayed to you. Please refer to the Mobile Investment & Own FAQs for more information on ordering and MIO.

 

About investing. 

The purpose of investing (including MIO) is to provide investors with a convenient way of building portfolio for properties in advance and submitting their request to a participating affiliate. You must register an PWAN Business Owners online services account in order to start investing (including MIO). Before you submit a request, you must verify the appropriate payment method and designated payment method and affiliate that PWAN Info supports to use with your request. Not all affiliates choose to make their properties available via internet. Please note MIO may not be available in all geographic areas or through all online services that PWAN provides. You may need to enable location services on your device in order for investing to function properly.

 

Registering your payment method. 

PWAN and the affiliate use third party payment services providers to securely store your payment processing information and process your payments to affiliates. You understand and agree that, when you make a payment, PWAN and its third party payment services providers (Bank) may verify that the payment you made is valid, including by authorizing a low-value, temporary charge. You are able to update your saved payment method information if there are changes to that information (e.g., as a result of a changed address or contact information).  Alternatively, PWAN and its third party payment services providers may obtain updated payment processing information from your bank or financial services institution provided you have authorized your bank or financial services institution to provide this updated information. You also understand and agree that when you use investing to make own properties from PWAN, that affiliate will be the company of record. Affiliate may require information other than your investment code to verify your property purchase. You represent and warrant that you are of sufficient age and have all legal rights to use all payment methods you summited.

 

You purchase property directly from PWAN Group And it Affiliates.

When you use investing (including MIO), you submit request directly to a participating PWAN Affiliate and the contract for completing ownership of the property will be between you and the affiliate that you choose to invest. The PWAN Company where you own your property is responsible for preparing the documents and providing them to you. You further understand and agree that you are investing directly from PWAN Groups of Business Owners (and not PWAN Info or any other Members of VGAL, as defined below) and that neither PWAN Info nor any other Members of the Vikkystar Global Assets Limited have any responsibility arising out of or related to any property that you investing in from PWAN using investing. PWAN Group (which is PWAN Affiliates parent company), its subsidiaries, affiliates, their franchisees, agents, representatives, and agencies and their officers, directors, and employees are together, “Members of the PWAN Group”.

 

About the properties in the online services. 

All properties are subject to availability at the PWAN Affiliate Companies where you place your investment. Some affiliate do not engage in all programs like the buy to sell and the houses. Images of properties and banners on the online services are examples only and may not be totally identical to the properties you receive from a PWAN Affiliate. Differences may be due to your device’s display of colors or factors such as the ingredients used, the property phase, the region of the state, and the season of the year.

 

About the Amount in Investing. 

Each affiliate independently determines its own prices and independently applies any additional taxes and fees as required by law. Certain offers and pricing may not be available for all investment at all estate. In the event you discover an error in the amount of a property charged to you, please contact the affiliate where you invested in the property to seek a refund of the difference.

 

Building, confirming and sending your request to a Property . 

You can use investing to build your portfolio and send it to a participating affiliate that you select. Payment is charged when you select ‘Pay & Place Request’. Investment made must be collected in person from PWAN.

 

Paying for your Investment . 

When you select ‘Pay & Place Investment’ you authorize PWAN to process your order total. The affiliate payment service provider will process your investment total amount to the payment method you selected when you built your portfolio. Property must be collected in person from the pwan affiliate you selected when placing your request. You own the property after you have collected them.

 

Cancelling your request, refunds and your Investment rights. 

You have the ability to update or abandon your investment at any time prior to selecting ‘Pay & Place Invest’. If you desire to seek a refund for any reason after you select ’Pay & Place Invest’, including if the property are unsatisfactory or other reasons, please contact PWAN. The decision regarding how to resolve any refund request is in the discretion of the affiliate where you purchased the property(excluding documentation). Your legal rights in this respect are not affected by anything in these terms.

Complaints.

If you have a complaint about your experience with at PWAN Real Estate or property, please contact the email at contact@pwan.com.ng t in question. Alternatively, you may contact PWAN Customer Care. PWAN cannot possibly read or respond to every single comment made in other channels, such as social media. Please immediately contact PWAN Customer Care with any concerns or reports of a serious nature.

4. Deals.

You have the possibility of receiving deals through the online services. The following general terms apply to the deals:

  1. the deal may only be available through that particular online service and for the property shown and subject to availability, in participating PWAN Affiliate only, and until the sold out date;
  2. Pre-Invest times apply (e.g., certain non-purchase deals may not be available at pre sale seasons);
  3. unless otherwise stated each deal expires on redemption;
  4. only one deal can be used per affiliate visit;
  5. deals are not transferable; and
  6. there is no cash alternative. In addition, there may be specific terms that apply to the deal which are stated on the app next to the deal. Not all deals may be combined with request. By opting out of PWAN Performance Value Rewards & Deals, you will no longer have access to deals in the program.

5. Ownership and Licenses for the online services.

VGAL intellectual property ownership. 

Any and all rights in the online services are and shall remain the exclusive property of Vikkystar Global Assets Limited – PWAN Real Estate or its licensors. For purposes of clarity, “online services” includes any and all content on the online services, such as, but not limited to, text, images, graphics, logos, page headers, button icons, images, audio clips, digital downloads, data compilations, software, trademarks, service marks, trade dress, audio, video, data and other materials (together, “content”) as well as any part of the online services  any features and functionality provided by third parties, and in which those third parties own certain intellectual property rights.  Neither Vikkystar Global Assets Limited nor any other Members of PWAN Real Estate have any responsibility arising from or related to any such third-party features or functionality. The online services are licensed, not sold, to you. Nothing in these terms intends to transfer any such rights to, or to vest any such rights in, you. You may not take any action to jeopardize, limit or interfere with Vikkystar Global Assets Limited or its licensors’ rights.

Your license to use the online services. 

Subject to these terms, you are granted a personal, non-exclusive, non-transferable and revocable license to use the online services solely for your own personal, non-commercial purposes and solely in accordance with these terms. For purposes of clarity, “Use” includes a license to access, interact with, and display the online services. No licenses or rights are granted to you by implication or otherwise, except for the licenses and rights these terms expressly grant to you, Vikkystar Global Assets Limited – PWAN Real Estate or its licensors reserve all other rights.

Trademark information. 

Trademarks, service marks, and all graphical elements, including the look and feel appearing on the online services, are distinctive and protected trademarks or trade dress of Vikkystar Global Assets Limited – PWAN or its licensors. The online services may also contain various third-party names, trademarks, and service marks that are the property of their respective owners.

6. User submissions and unsolicited ideas.

User submissions. 

Some online services may allow you to send comments, remarks, suggestions, ideas, graphics, photographs, questions, complaints or other information posted or communicated to PWAN Real Estate through the online services (together, “submissions”). You understand that by submitting any submissions to PWAN through the online services, you grant PWAN a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, transferable license to use, reproduce, distribute, sublicense to others, modify, translate, prepare derivative works of, publicly display, and publicly perform the submissions, including to use them for any commercial or other purpose whatsoever without approval from or compensation, notice or attribution to you or any other person. PWAN Real Estate will not be required to treat any submissions as confidential.   You expressly waive any and all claims against PWAN and all other Members of the PWAN Affiliate in connection with PWAN consideration, use or development of any properties, assets, concept or other materials similar or identical to your submission.

7. Copyright notice.

PWAN will respond to notices of alleged copyright infringement that comply with the Digital Millennium Copyright Act (“DMCA”). If you believe that your copyrighted work is infringed by content appearing on the online services, please provide a written DMCA notice to PWAN Real Estate at:

Vikkystar Global Assets Limited
Attn: DMCA copyright administrator, by mobile number to (234) 916-0009-929 or by email to contact@pwan.com.ng.

 

What to include in your infringement notice. 

Please include the following information in your notice to us, along with your full name, address, telephone number and email address:

  1. A detailed description of the copyrighted work that you believe has been infringed.
  2. A detailed description of the content on the online services that you believe infringes the copyrighted work, including information reasonably sufficient to permit Vikkystar Global Assets Limited – PWAN Real Estate to locate the alleged infringing content (e.g., the page on the online services where the alleged infringing content is located).
  3. The following statement, signed by the copyright owner or a person authorized to act on behalf of the copyright owner of an exclusive right that is allegedly infringed: “I have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law. I swear, under penalty of perjury, that the information in the notification is accurate and that I am the copyright owner or am authorized to act on behalf of the copyright owner of an exclusive right that is allegedly infringed.”

8. Acceptable uses and restrictions for the online services.

With respect to the online services (which includes content) or any portion thereof, you may not, and may not allow third parties, to:

  1. Use the online services for any purpose that is unlawful or prohibited by these terms;
  2. Delete or change any copyright, trademark, or other proprietary notices;
  3. Claim or attempt to obtain ownership or title to the online services, including the content;
  4. Use, copy, distribute, republish, display, disclose, upload, post, or transmit the online services in any commercial manner;
  5. Rent, lease, sell, sub-license, loan, translate, merge, adapt, assign or transfer the online services or your online services account, or combine them with, or incorporate them into, any other programs or services;
  6. Disassemble, decompile, reverse-engineer, copy in source or object code format, or create derivative works based on the online services;
  7. Transfer, provide, export or re-export the online services in violation of an embargo, trade sanction, or other technology control or export laws and regulations; you also represent and warrant that you are not (i) located in a country subject to a Nigeria Government embargo, or designated by the Nigeria Government as a “terrorist supporting” country; or (ii) listed on any Nigeria. Government list of prohibited or restricted parties;
  8. Use or launch any unauthorized technology or automated system to access the online services or extract content from the online services, including but not limited to spiders, robots, screen scrapers, or offline readers;
  9. Attempt to disable, damage, overburden, impair or gain unauthorized access to the online services,PWAN network or any user accounts associated with the online services;
  10. Any fraudulent use of an online services accounts or PWAN Business Owners Performance Value Rewards points;
  11. Share, publish, or otherwise use direct hyperlinks to pages, images, or other resources within the online services other than a link to the online services homepage; or
  12. Incorporate any pages or functionality within the online services into other services or applications using framing or analogous techniques.

9. Limitations on liability and disclaimers.

Limitations on PWAN liability.

Neither PWAN Real Estate nor any other Members of the PWAN Network shall be liable for any direct or indirect lost profits or lost business damage, special, indirect, consequential, exemplary or incidental damages, including lost data, personal injury or property damage related to or arising out of the online services or out of the acts or omissions of Members of the PWAN System whether arising out of contract, tort or ordinary negligence. Nothing in this section is intended to limit PWAN liability for damages to the extent caused by PWAN own gross negligence or intentional or unlawful misconduct. Additionally, nothing in this section is intended to limit or alter your rights as a consumer that cannot be limited or altered under applicable law. Vikkystar Global Assets Limited – PWAN Real Estate reserves all legal rights to recover damages or other compensation under these terms or as allowed by law.

 

PWAN provides the online services “AS-IS” and without any warranties. 

The online services may include inaccuracies or errors. PWAN provides the online services “as is” and without warranties of any kind either expressed or implied. Vikkystar Global Assets Limited disclaims all warranties of merchantability and fitness or a particular purpose. PWAN does not warrant or make any representation that the online services will be accurate, reliable, uninterrupted or error-free, that defects will be corrected, or that the online services are free of viruses or other harmful components. You assume total responsibility related to your use of the online services. Your sole remedy against PWAN Real Estate and all other Members of the PWAN Affiliate dissatisfaction with the online services is to stop using them. This limitation of relief is a part of the bargain between the parties. These warranty exclusions may not apply to you to the extent that applicable law does not allow the exclusion of implied warranties.

 

Third party services. 

The online services may link to or allow you to use third-party websites, downloadable materials, content, social networks, or other digital services (together, “third party services”). These third parties may have their separate terms and conditions or privacy policies that you should review and understand before using them. Pwan.com.ng does not endorse and is not associated with any of these third-party services. Neither PWAN Real Estate nor any other Members of the PWAN Affiliate have any responsibility arising from or related to these third-party services.

The online services contain Google Maps features and content that are subject to the Google’s terms of service and Google’s privacy policy.

We may permit you to login to the online services using an account from a third party service such as Apple ID, Google+ or other social networking platforms in place of creating a new account specifically for the Online Services. PWAN has no control over, makes no representations or warranties whatsoever about any of the third party services that you may access, is not responsible for the availability of such third party services, and does not endorse nor is responsible or liable for any content or other materials on or available from such third party services. Your use of the third-party services may be subject to additional terms, including software license terms, from those third parties.

 

Events beyond our control.

Neither PWAN nor any other Other of the PWAN Business have any responsibility for PWAN Real Estate failure to perform any of its obligations under these terms cause by or related to any event beyond PWAN reasonable control. If such an event occurs, then PWAN obligations under these terms will be suspended for the duration of the event; and PWAN may, but is not required to, use reasonable endeavors to find a solution by which its obligations under these terms may be performed despite the event.

 

How we settle disputes. 

You agree that:

  1. any claim or dispute (whether in contract, tort, or otherwise) that PWAN Real Estate or any Member of the PWAN Network System may have with you, or that you may have with PWAN or any Member of the PWAN Affiliate System, arising from or related to the online services or these terms will be resolved exclusively by final and binding arbitration administered by the Nigerian Arbitration Association (“NAA”) and conducted before a single arbitrator using the NAA’s Real Estate Arbitration Rules and, if applicable, its Mass Arbitration Supplementary Rules (“rules and procedures”); 
  2. this arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §§ 1-16;
  3. prior to you or PWAN initiating arbitration by filing a Demand for Arbitration with the NAA, you and PWAN will engage in the informal dispute resolution process outlined in this paragraph. First, the party interested in pursuing a dispute related to the online services must give written notice to the other party of the party’s intent to initiate an informal dispute resolution conference (the “Notice”). The Notice shall contain: (1) the initiating party’s name; (2) the initiating party’s mailing address, email address, and phone number; (3) a description of the nature of and basis for the dispute; and (4) the specific relief sought. If you are the initiating party, the Notice must be sent via e-mail to contact@pwan.com.ng. Second, within 60 days of the non-initiating party’s receipt of the Notice, or at a later date if you and PWAN Real Estate mutually agree to enlarge the 60-day period, the parties shall make a good-faith attempt to resolve their dispute by participating in a live telephone call or videoconference.  If you are represented by counsel, your attorney(s) may participate in the dispute resolution conference, but you must be present and must participate in the conference as well.  Engaging in this informal dispute resolution process is a prerequisite to commencing arbitration.  Any applicable statute of limitations period and all arbitration filing fee deadlines shall be tolled from the date that a fully complete Notice is received by the other party to and including the date the dispute resolution conference is held;
  4. if, during the informal dispute resolution process described in subpart 3 above, PWAN makes a written offer to resolve the parties’ dispute pursuant to which PWAN Info will provide all the relief sought in your Notice, including paying you the full amount of your alleged damages set forth therein, you understand that an Arbitrator will have the right to award arbitration fees against you should the Arbitrator decide that you were unreasonable in continuing to pursue the matter despite PWAN offer;
  5. if, following the informal dispute resolution process described in subpart 3 above, either you or PWAN decides to file a Demand for Arbitration with the NAA, the demand must include: (1) the name and contact information of the party initiating arbitration; (2) the legal claims being asserted; (3) a detailed explanation of the factual basis for those claims; and (4) a detailed explanation of both the nature and the amount of the relief sought.  Filing a demand that does not include the above information may result in the rejection of your Demand for Arbitration;
  6. the arbitration shall be held at a location determined by the NAA under its rules and procedures (provided such location is reasonably convenient to you), or at such other location as may be mutually agreed to by you and PWAN or other Members of the PWAN Info System; 
  7. the arbitrator’s decision shall be based on these terms and any of the other agreements referenced herein that you may have entered into in connection with the online services;
  8. the arbitrator shall apply state law consistent with the FAA, and applicable statutes of limitations, and shall honor claims of privilege recognized at law;
  9. no claims shall be arbitrated on a class or representative basis as you and PWAN hereby waive the right to assert claims in any class or representative action; arbitration will therefore only decide the individual claims of you and PWAN Real Estate; it is agreed that the arbitrator may not consolidate or join the claims of any other person or party to an arbitration between you and PWAN under this provision;
  10. you and PWAN empower the arbitrator with the exclusive authority to resolve any dispute relating to the interpretation, applicability or enforceability of these terms or formation of this contract, including the arbitrability of any dispute and any claim that all or any part of these terms are void or voidable;
  11. in the event that the administrative fees, arbitrator fees and filing fees associated with the arbitration exceed #125K NGN, PWAN agrees to pay any such administrative, arbitrator and filing fees exceeding #125K on your behalf, subject to ultimate allocation by the arbitrator. If you can demonstrate that the cost of initiating your claims in a court of law would be less than #125, PWAN will pay the portion of the administrative, arbitrator and filing fees that exceed the demonstrated cost of initiating your claims in court.  In addition, if you can demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, PWAN will pay as much of your fees in connection with the arbitration as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive; 
  12. if more than 1,000 arbitration demands are filed against PWAN relating to substantially the same business decision or underlying facts by individuals who followed the procedures set forth in subsections 3 and 5 above and are represented by the same counsel or coordinated counsel, and if no substantive ruling has been made in an arbitration between you and PWAN relating to that decision or those facts, then both you and PWAN have the unilateral right to opt out of this arbitration provision and have your dispute heard in state court in Nigeria by sending a written notice to the other party; and
  13. with the exception of subparts 9 and 12 above, if any part of this arbitration provision is deemed to be invalid, unenforceable or illegal, then the balance of this arbitration provision shall remain in effect and shall be construed in accordance with its terms as if the invalid, unenforceable, or illegal provision were not contained herein. If, however, either or both of subparts 9 and 12 above are found to be invalid, unenforceable or illegal, then the entirety of this arbitration provision shall be null and void, and neither Vikkystar Global Assets Limited – PWAN Real Estate nor you shall be entitled to arbitrate their dispute. In such event, you agree to bring any and all claims arising out of or related to these terms or the online services in either the state courts. If litigation ensues for any reason, both you and PWAN agree to waive any right to a trial by jury. Further, notwithstanding any other language in this arbitration provision, neither you nor PWAN shall be precluded from seeking remedies in small claims court for disputes or claims within the scope of its jurisdiction. Finally, this arbitration provision is reciprocally binding on all parties, such that both you, PWAN and Vikkystar Global Assets Limited are required to arbitrate their claims against one another. For more information on the NAA and its rules and procedures. 

10. Terms relating to the Mobile Application

This section applies only if you access our online services through a mobile device running Apple’s iOS or Google’s Android operating systems. If you access our online services through a mobile application, the applicable terms for the platform from which you download the mobile application (“Platform Terms”), such as the Apple App Store or Google Play Store, may apply in addition to these terms and conditions. These terms incorporate and supplement the Apple, Inc. (“Apple”) terms and conditions, including the Licensed Application End User terms therein (“Apple terms”). You also acknowledge and agree:

  • Neither Apple nor Google has no obligation at all to provide any support or maintenance services and neither are responsible for the content in the mobile application. If you have any maintenance or support questions in relation to the mobile application, or any concerns regarding content in the mobile application, please contact PWAN Info or Google, not Apple, using the above Support Services details;
  • Neither Google nor Apple have any responsibility for content within the mobile application. If you have any concerns regarding content in the mobile application, please contact PWAN as described within these terms, depending on the nature of your concern;
  • Except as otherwise expressly set out in these terms, any claims relating to the possession or use of the mobile application Version are between you and PWAN Real Estate neither Google nor Apple shall be a party; and
  • Neither Apple nor Google will be responsible or liable to you in relation to any third party claim, or the investigation, defense, settlement and discharge thereof: (i) that your possession or use (in accordance with these terms) of the   mobile application infringes any intellectual property rights; (ii) relating to any product warranties other than in the Platform Terms, whether express or implied; (iii) product liability claims; (iv) any claim that the mobile application  fails to conform to any applicable legal or regulatory requirement; and (v) claims arising under consumer protection or similar legislation.

If the mobile application that you have purchased does not conform to any warranty applying to it, you may notify Apple or Google, which may refund the purchase price of the mobile application to you subject to then-current Platform Terms. Subject to that, and to the maximum extent permitted by law, neither Apple nor Google give or enter into any warranty, condition or other term in relation to the mobile application and will not be liable to you for any claims, losses, costs or expenses of whatever nature in relation to the mobile application or as a result of you or anyone else using the mobile application or relying on any of its content. Apple and Google shall be intended third-party beneficiaries of this section.

11. Accessibility

If you are a user with a disability, or an individual assisting a user with a disability, and have difficulty accessing or navigating our online services, please reach out to us by emailing contact@pwan.com.ng For more information, please review our PWAN Digital Accessibility page.

12. Miscellaneous.

  • PWAN Real Estate Investment in Nigeria by foreign investors makes representation that the online services are appropriate or available outside of Nigeria and other countries of reach listed. If you use the online services from other locations you are responsible for compliance with applicable local laws.
  • These terms will be governed and interpreted pursuant to the laws of Nigeria, notwithstanding any principles of conflicts of law.
  • Although these terms govern the online services as between PWAN Real Estate and you only (and neither Apple nor any other Members of the PWAN Affiliate are parties to these terms), Apple and all other Members of the PWAN Network Marketing platform are third party beneficiaries under these terms and will have the right to enforce against you those rights that PWAN Info holds under these terms to the extent such terms may pertain to them; there are no other third beneficiaries under these terms.
  • The terms are written in English (US). Any translation of the terms into another language is provided solely for your convenience, and to the extent there is any conflict between the two, the English (US) version controls.
  • On termination of these terms or of your permission to use the online services, all rights granted to you under terms shall cease; however, these terms will continue to apply to your prior use of the online services and anything relating to or arising from such use. Upon termination, all rights of Vikkystar Global Assets Limited and other Members of the PWAN Affiliate, including all intellectual property rights, proprietary rights, and licenses in these terms shall survive, as well as all restrictions on use, all limitations on liability and disclaimers, and all of Section 9 (“How we settle disputes”).
  • Each of the terms and conditions in these terms are severable and operate separately. If any of them are unlawful, void or unenforceable, then the remaining terms and conditions will remain in full force and effect.
  • If PWAN Info fails to insist that you perform any of your obligations under these terms, or if PWAN does not enforce its rights against you, or delays in doing so, that will not mean that PWAN Real Estate has waived its rights against you and will not mean that you do not have to comply with those obligations.
  • PWAN Real Estate may transfer its rights and obligations under these terms to another organization or entity, but this will not affect your rights or our obligations under these terms. You may only transfer your rights or obligations under these terms to another person if PWAN agrees in writing.

MyPWAN Performance Value Rewards Terms (Nigeria)

Effective: June 20, 2025

In all geographical areas in which you choose to operate as a PBO, PWAN makes available its PWAN Performance Value Rewards program (“MyPWAN Performance Value  Rewards”, or the “program”). If you are within your geographical areas across the globe registered anf operate as a PBO, the program may be displayed to you.

These MyPWAN Performance Value Rewards Terms (Nigeria) (the “program terms”) apply only if you join the PWAN Business Owners program and participate in the program as part of your use of the online services. The program terms are intended to supplement (not change) the Terms and Conditions for PWAN Online Services (Nigeria) (the “online services terms”). When the word “terms” is used without any reference to the “program terms” or the “online services terms,” it is meant to encompass both sets of terms. All definitions used in the online services terms apply to these program terms.

You understand and acknowledge that you have already agreed to the online services terms when you registered and logged into your online services account. Although the program terms are intended to supplement and not to change the online services terms, in the event of a conflict between the program terms and online services terms that relates to the program itself, the program terms will control. In the event of any other conflict between the program terms and the online services terms, the online services terms will control.

Important: You understand and acknowledge that MyPWAN Performance Value Rewards is subject to the arbitration agreement, jury and class action waivers, limitations on PWAN liability, as set forth in Section 9, above, and other provisions that affect your legal rights regarding the online services, including the program as part of the online services. Please carefully read and understand these terms.

 

Eligibility and enrollment.

PWAN Performance Value Rewards is only open to you if you meet the sales and recruitment requirements for PWAN services. In order to enjoy PWAN Performance Value Rewards, you must register an online PWAN Business Owners services account. When you use the online services successfully rendering the geographical properties area of the program, neither the property sale nor any points you accumulated in the process will be available to you.

How to earn points.

Once enrolled in the PBO program, when you identify your online services account at the time of participation, you will earn 12PV for every #10K spent on qualifying investment. You can identify your online services account at the time of investment by any way that we recognize, 

If you don’t properly identify your online services account before you complete your qualifying investment, a manual adjustment can be made to add the points to your account for up to seven (7) days from the actual transactions date. As long as you requested at a PWAN Affiliate that participates in PWAN Performance Value Rewards, you can use your transactional receipt from the PWAN Affiliate to get missing points in the PWAN Info Website www.pwan.com.ng.

Qualifying investment.

A “qualifying investment” means using the online services to invest eligible properties from a participating PWAN Affiliate in a manner that properly identifies you as described above. Qualifying purchases where an active reward, mobile offer, or promotional offer is redeemed will accrue points, but you will only accrue points for Nigeria Naira actually spent in the transaction. 

Verifying your points balance.

You can check your points balance in your online services account using the official PBO Network Website. Points that you earn may not always immediately post to your account. You are responsible to ensure points from your qualifying sales are correct. If you believe points from your qualifying sales and investment were incorrectly calculated, you must notify PWAN within six (6) months of the qualifying Property or assets purchase by providing your receipt to PWAN Customer Care. PWAN has the sole discretion to determine points in your account and PWAN has no liability for any delay or failure to correctly credit points to your account.

Your compliance with the terms.

PWAN has the discretion to invalidate or void points from your online services account, or to suspend or terminate your account (both now and in the future), if PWAN believes you improperly obtained points, abused the program or otherwise violated these terms. In that event, you forfeit any points you have accumulated (including properly obtained points) and you forfeit your right to earn points in the future. PWAN has the sole discretion to determine your compliance with these terms. PWAN determination is final.

No rights in points.

Points are not property and you have no vested right or interest in points. Points have no cash value. Points are not assignable or transferrable between online services accounts or otherwise, and points cannot be combined across accounts, regardless of who registered the account.

Miscellaneous.

All rewards offered via the program are subject to availability. Some participating PWAN Affiliate do not sell all properties offered as rewards.  Images of properties and services of rewards are examples only and may not be identical to the properties or services you receive from a participating PWAN Affiliate.

VGAL Text Messaging Program Terms & Conditions (Worldwide)

Last Updated: July 20, 2025

Important: These text messaging program terms & conditions (Worldwide) apply only if you have opted in to a text messaging program of Vikkystar Global Assets Limited (“VGAL”) and may include both short message service (SMS) and multimedia message service (MMS) functionality.

When you opt in to a VGAL’s text message program, you understand and agree that these Terms and Conditions for VGAL’s Online Services (NGN) are incorporated into, and become part of, the VGAL Text Messaging Program Terms & Conditions (and both documents are together, the “terms”). The terms contain an arbitration agreement, jury and class action waivers, limitations on VGAL liability and other provisions that affect your legal rights regarding VGAL text messaging program. Please carefully read and understand these terms.

You understand and agree that VGAL text messaging program is considered an “online service” under the terms.

 

1. Text Messaging Program Terms and Conditions

About the Program.

This is a standard rate text message program. By subscribing to Vikkystar Global Assets Limited text messaging program, you consent to receiving text marketing messages at the mobile number you provided using automated technology from or on behalf of VGAL’s (and its agencies and services providers) via the short code provided within the campaign and understand that consent is not a condition of purchasing any property, Investment, or services. VGAL Privacy Statement and Privacy Notice describes how we collect, use, and share information.

Charges and Fees.

VGAL does not charge for its text message program; however, your mobile carrier’s message and data rates may apply. Message frequency varies. To participate in VGAL’s text messaging program, you must have a text messaging enabled mobile device with a current text messaging plan. Please contact your mobile carrier for information about your text messaging plan. All related charges and fees are billed by and payable to your mobile service provider. Your mobile carrier may impose message or charge limitations on your account that are outside our control.

Affiliate text marketing programs.

Many of our PWAN Properties are owned and operated by Affiliate. These terms do not apply to any of our affiliate’ text marketing programs. If you are receiving text messages from a PWAN Affiliate in regards to PWAN Group Services and properties, you will need to opt out from them directly. Each affiliate is solely and independently responsible for its legal and regulatory compliance.

 

2. How to Use the Text Messaging Service

For Help.

If you need assistance, send HELP to the VGAL number +234-916-0009-929 you opted in to at any time to receive program contact information.

How to Opt-In.

To opt into VGAL’s text messaging program regarding properties and assets investment and management, you can text the number and keyword(s) provided to begin your subscription. From time to time, Vikkystar Global Assets Limited may also provide other numbers and/or keyword(s) to opt in to additional campaigns.

How to Opt-Out.

To stop receiving text messages from VGAL text STOP to the VGAL’s number you opted in to opt out of VGAL’s text messaging program. You can also opt out by contacting us at the phone number or email address below. Opting out of one form of communication does not mean you’ve opted out of other forms as well. For example, if you opt out of receiving text messages, you may still receive marketing email messages if you’ve opted in to receiving them. Please note that if you are receiving text messages from a PWAN Affiliate, then you will need to opt out from them directly.

What Keywords You Can Use.

At any time during the campaign, you can text the following to us: HELP, or STOP, . From time to time, VGAL’s may also provide other keyword(s).

 

3. Contact Us

If you have additional questions or comments, please contact us, call us at (234) 916-0009-929, or email us at info@pwan.com.ng

PWAN's Delivery Program Terms (Worldwide)

Effective: July 20, 2025

In certain geographical areas, you can place a document delivery order via the PWAN’s website (“delivery” or “delivery program”). If you are within those geographical areas, the delivery option may be displayed to you. You understand and agree the delivery program is considered part of the “online services” under the Terms and Conditions for PWAN’s Online Services (Nigeria) (the “online services terms”).

These PWAN’s documents and products delivery program Terms (Nigeria) (the “delivery program terms”) apply only if you participate in the delivery program. The delivery program terms are intended to investment (not change) the online services terms.

Important: You understand and acknowledge that the terms contain an arbitration agreement, jury and class action waivers, limitations on PWAN liability and other provisions that affect your legal rights regarding delivery program. Please carefully read and understand these terms.

Placing orders for property document delivery

This section applies to any delivery orders for documentation or incentives you request in the delivery program. Please read this section before you place any delivery orders. Please note that delivery may not be available in all geographic areas or through all online services that PWAN’s provides. Please refer to the PWAN’s Delivery Program FAQs for more information on placing requests for property document delivery.

The purpose of the delivery program is to provide PBO and PWAN Investors with a convenient way to place an order for properties documentation through the PWAN website for delivery. To participate in the delivery program, you will need to enter your address, name, and phone number, and PWAN’s will share the information you enter with the third-party delivery provider assigned to your order, and such information will be subject to PWAN’s Privacy Statement and/or the third-party delivery provider’s privacy policy, if applicable. You will not be able to choose the PWAN Affiliate or the third-party delivery provider, as each will be pre-determined for you based on a number of different factors, including the delivery address.

Eligibility and Enrollment

You must register an online services account in order to use delivery. Before you submit an order for delivery, you must register a credit card or debit card (either one, a “payment card”) to be associated with your online services account, or use another payment method that Vikkystar Global Assets Limited supports to use with your orders.

Registering your payment method

For payment cards and details that you register to use with the online services, Vikkystar Global Assets Limited and the PWAN Affiliate Companies uses third party payment services providers to securely store your payment card or payment details information and process your payments to assets Investment and third-party delivery providers. You understand and agree that, when you register a payment card or details, PWAN-VGAL or its third-party payment services providers may verify that the payment card or details you registered is valid, including by authorizing a low-value temporary charge. You also understand and agree that when you use the delivery program to make a purchase from a PWAN Affiliate, that affiliate will be the company of record. You do not make your investment until you make ‘Payment’, and your payment method will be charged upon selecting ‘Payment type’. You represent and warrant that you are of sufficient age and have all legal rights to use all payment methods you register. When you select ‘Payment’ and we comfirm payment validation you authorize PWAN to process your order total, which includes other applicable fees. The PWAN Affiliate’s payment service provider will process your order total amount (and if updated with a tip, your updated order total amount) to the payment method you selected when you built your order. You own the propertys after they have been comfirmed to you by the third-party payment provider, while your documentation are process immediately.

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