Terms of Use

Last updated: October, 2025

Introduction

Welcome to Owego (“we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of the Owego platform, website, products, and services (collectively, the “Services”), available via https://www.ribhfinance.com/owego or any other linked Owego domain.

By accessing or using our Services, you agree to comply with these Terms and our Privacy Policy.
If you do not agree, please do not use our Services.

About Owego

Owego is a seamless payments platform powered by stablecoins (USDC and USDT). We enable users to send, receive, and spend digital assets online, in-store, and across borders — safely, instantly, and without friction.

We are a technology service provider, not a bank, money transmitter, or custodian. Your use of the platform is subject to compliance with all applicable laws and blockchain network standards.

Eligibility

To use Owego, you must:

Be at least 18 years old (or the age of majority in your jurisdiction).
Have full legal capacity to enter into binding contracts.
Not be subject to any sanctions or restrictions under applicable law.

By using the Services, you represent and warrant that you meet these requirements.

Account Registration and Security

Owego is a non-custodial platform. We do not maintain custody, control, or ownership of any digital assets or fiat funds transacted through the platform. All transactions occur directly between you, your connected wallet, and the applicable blockchain network or third-party service provider.

Users retain full ownership and control over their funds at all times and are solely responsible for managing their private keys, wallet credentials, and security measures. You may need to register or connect a wallet to access certain features of Owego.

By creating an account or connecting a wallet, you agree to:

Provide accurate, current, and complete information during registration or wallet connection.
Maintain the confidentiality and security of your account or wallet credentials.
Immediately notify Owego of any unauthorized access, suspected breach, or security compromise.

You are solely responsible for all activities conducted through your account or wallet connection. Owego shall not be liable for any loss, damage, or unauthorized transaction arising from compromised wallet credentials, user error, or third-party breaches outside of Owego’s control.

Nature of Services

Digital Transactions: Owego allows you to deposit, transfer, and spend supported stablecoins (USDC and USDT) through compatible blockchain networks.

Non-Custodial: Owego does not hold, store, or take control of your private keys.
Cross-Border Payments: Transfers are blockchain-based and may be subject to network conditions and applicable laws.
Third-Party Integrations: Certain features may rely on third-party providers (e.g., KYC/AML, wallets, or processors). Their terms also apply.

Acceptable Use

You agree not to use Owego for activities that are:

illegal, fraudulent, or deceptive.
related to money laundering, terrorism financing, or sanctions evasion.
associated with prohibited goods or services (e.g., drugs, weapons, adult content, or scams).
designed to disrupt or compromise the security of Owego or other users.

We reserve the right to suspend or terminate any account or transaction that violates these Terms or applicable laws.

Fees and Payments

Certain services may incur transaction fees, blockchain network fees (gas fees), or third-party service charges. We will notify you of applicable fees before processing any transaction.

All transactions are final and irreversible once confirmed on the blockchain. Owego is not responsible for incorrect wallet addresses, token type errors, or loss of private keys.

Intellectual Property

All content, design, trademarks, and software on the Owego platform are owned or licensed by Owego. You may use the Services solely for lawful and personal purposes.

You may not copy, modify, reverse-engineer, or distribute any part of Owego’s content or technology without our prior written consent.

Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis. Owego makes no warranties or guarantees of any kind, express or implied, including:

That the Services will be uninterrupted, error-free, or secure.
That information will always be accurate or complete.
That transactions will meet your expectations or investment objectives.

You acknowledge that blockchain transactions carry inherent risks, including volatility, smart contract bugs, and regulatory changes.

Third-Party Services and Wallets Disclaimer

Owego provides gateway access to third-party services, platforms, and digital wallets (“Third-Party Services”) that enable users to send, receive, convert, or spend digital assets such as USDC and USDT. These Third-Party Services are operated by independent entities and are not owned, controlled, or managed by Owego.

By choosing to use any Third-Party Service through or in connection with Owego, you acknowledge and agree that:

Non-Custodial Role
Owego is a non-custodial platform. We do not hold, store, or control your funds, private keys, or wallet credentials. All transactions occur directly between you and the respective blockchain network or Third-Party Service provider. You retain full ownership and responsibility for your digital assets at all times.
No Guarantee or Endorsement
Owego does not guarantee, endorse, or assume any responsibility for the performance, reliability, accuracy, legality, or security of any Third-Party Service, nor for any products, content, or services they provide.
Independent Relationship
Your interactions, transactions, and exchange of information with any Third-Party Service are solely between you and that provider, and are governed by their respective terms of service, privacy policies, and compliance frameworks.
Limitation of Liability
Owego shall not be liable for any loss, damage, delay, unauthorized access, or other issues arising from your use of any Third-Party Service, including but not limited to failed or delayed transactions, service interruptions, security breaches, or loss of funds.
User Responsibility
You are solely responsible for reviewing, understanding, and complying with the terms and policies of any Third-Party Service that you choose to connect or interact with through Owego.
Service Modification or Suspension
Owego may, at its sole discretion, suspend, modify, or discontinue access to any Third-Party Service at any time without prior notice and without liability to you.
Acknowledgment of Risk
By using Owego, you acknowledge that the use of blockchain networks and third-party wallets involves inherent risks, including technical failures, regulatory changes, or market volatility. You agree that Owego shall not be responsible for any loss or consequence resulting from such risks.

Limitations of Liability

To the fullest extent permitted by law:

Owego shall not be liable for any indirect, incidental, or consequential damages (including loss of profits, data, or goodwill) arising from your use of our Services.
Our total aggregate liability to you for any claim shall not exceed the amount of fees paid by you to Owego in the six (6) months preceding the event.

You use the Owego platform at your own risk. Owego’s role is limited to providing a technological interface that enables the initiation of payments through integrated third-party networks. Owego shall not be liable for any direct, indirect, or consequential losses resulting from actions, omissions, or technical failures of any third-party wallet provider or blockchain network.

Indemnification

You agree to indemnify and hold harmless Owego, its affiliates, employees, and partners from any claims, losses, damages, liabilities, or expenses arising out of:

Your use or misuse of the Services.
Violation of these Terms or any applicable law.
Infringement of third-party rights.

Modification and Termination

Owego reserves the right to modify, suspend, or terminate the Services (or these Terms) at any time, with or without notice, to comply with legal, operational, or security requirements. Continued use after updates constitutes your acceptance of the revised Terms.

Data Protection and Privacy

Your personal data will be processed in accordance with our Privacy Policy, which explains:

The types of data we collect
How we use and share data
Your rights and choices

We comply with the Nigeria Data Protection Regulation (NDPR), GDPR, and other applicable global privacy laws.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

Any dispute arising under or in connection with these Terms shall first be resolved amicably through negotiation. If unresolved, disputes shall be referred to arbitration in Lagos, Nigeria, under the rules of the Lagos Court of Arbitration (LCA). The decision of the arbitrator shall be final and binding.

Terms of Use

Introduction

About Owego

Owego is a seamless payments platform powered by stablecoins (USDC and USDT). We enable users to send, receive, and spend digital assets online, in-store, and across borders — safely, instantly, and without friction.

We are a technology service provider, not a bank, money transmitter, or custodian. Your use of the platform is subject to compliance with all applicable laws and blockchain network standards.

Eligibility

To use Owego, you must:

Be at least 18 years old (or the age of majority in your jurisdiction).

Have full legal capacity to enter into binding contracts.

Not be subject to any sanctions or restrictions under applicable law.

By using the Services, you represent and warrant that you meet these requirements.

Account Registration and Security

Owego is a non-custodial platform. We do not maintain custody, control, or ownership of any digital assets or fiat funds transacted through the platform. All transactions occur directly between you, your connected wallet, and the applicable blockchain network or third-party service provider.

Users retain full ownership and control over their funds at all times and are solely responsible for managing their private keys, wallet credentials, and security measures. You may need to register or connect a wallet to access certain features of Owego.

By creating an account or connecting a wallet, you agree to:

Provide accurate, current, and complete information during registration or wallet connection.

Maintain the confidentiality and security of your account or wallet credentials.

Immediately notify Owego of any unauthorized access, suspected breach, or security compromise.

You are solely responsible for all activities conducted through your account or wallet connection. Owego shall not be liable for any loss, damage, or unauthorized transaction arising from compromised wallet credentials, user error, or third-party breaches outside of Owego’s control.

Nature of Services

Digital Transactions: Owego allows you to deposit, transfer, and spend supported stablecoins (USDC and USDT) through compatible blockchain networks.

Non-Custodial: Owego does not hold, store, or take control of your private keys.

Cross-Border Payments: Transfers are blockchain-based and may be subject to network conditions and applicable laws.

Third-Party Integrations: Certain features may rely on third-party providers (e.g., KYC/AML, wallets, or processors). Their terms also apply.

Acceptable Use

You agree not to use Owego for activities that are:

illegal, fraudulent, or deceptive.

related to money laundering, terrorism financing, or sanctions evasion.

associated with prohibited goods or services (e.g., drugs, weapons, adult content, or scams).

designed to disrupt or compromise the security of Owego or other users.

We reserve the right to suspend or terminate any account or transaction that violates these Terms or applicable laws.

Fees and Payments

Intellectual Property

Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis. Owego makes no warranties or guarantees of any kind, express or implied, including:

That the Services will be uninterrupted, error-free, or secure.

That information will always be accurate or complete.

That transactions will meet your expectations or investment objectives.

You acknowledge that blockchain transactions carry inherent risks, including volatility, smart contract bugs, and regulatory changes.

Third-Party Services and Wallets Disclaimer

By choosing to use any Third-Party Service through or in connection with Owego, you acknowledge and agree that:

No Guarantee or EndorsementOwego does not guarantee, endorse, or assume any responsibility for the performance, reliability, accuracy, legality, or security of any Third-Party Service, nor for any products, content, or services they provide.

Independent RelationshipYour interactions, transactions, and exchange of information with any Third-Party Service are solely between you and that provider, and are governed by their respective terms of service, privacy policies, and compliance frameworks.

Limitation of LiabilityOwego shall not be liable for any loss, damage, delay, unauthorized access, or other issues arising from your use of any Third-Party Service, including but not limited to failed or delayed transactions, service interruptions, security breaches, or loss of funds.

User ResponsibilityYou are solely responsible for reviewing, understanding, and complying with the terms and policies of any Third-Party Service that you choose to connect or interact with through Owego.

Service Modification or SuspensionOwego may, at its sole discretion, suspend, modify, or discontinue access to any Third-Party Service at any time without prior notice and without liability to you.

Limitations of Liability

To the fullest extent permitted by law:

Owego shall not be liable for any indirect, incidental, or consequential damages (including loss of profits, data, or goodwill) arising from your use of our Services.

Our total aggregate liability to you for any claim shall not exceed the amount of fees paid by you to Owego in the six (6) months preceding the event.

Indemnification

You agree to indemnify and hold harmless Owego, its affiliates, employees, and partners from any claims, losses, damages, liabilities, or expenses arising out of:

Your use or misuse of the Services.

Violation of these Terms or any applicable law.

Infringement of third-party rights.

Modification and Termination

Owego reserves the right to modify, suspend, or terminate the Services (or these Terms) at any time, with or without notice, to comply with legal, operational, or security requirements. Continued use after updates constitutes your acceptance of the revised Terms.

Data Protection and Privacy

Your personal data will be processed in accordance with our Privacy Policy, which explains:

The types of data we collect

How we use and share data

Your rights and choices

We comply with the Nigeria Data Protection Regulation (NDPR), GDPR, and other applicable global privacy laws.

Governing Law and Dispute Resolution

Contact Information

If you have any questions or complaints about these Terms, please contact us at: support@ribhfinance.com.

No Guarantee or Endorsement
Owego does not guarantee, endorse, or assume any responsibility for the performance, reliability, accuracy, legality, or security of any Third-Party Service, nor for any products, content, or services they provide.

Independent Relationship
Your interactions, transactions, and exchange of information with any Third-Party Service are solely between you and that provider, and are governed by their respective terms of service, privacy policies, and compliance frameworks.

Limitation of Liability
Owego shall not be liable for any loss, damage, delay, unauthorized access, or other issues arising from your use of any Third-Party Service, including but not limited to failed or delayed transactions, service interruptions, security breaches, or loss of funds.

User Responsibility
You are solely responsible for reviewing, understanding, and complying with the terms and policies of any Third-Party Service that you choose to connect or interact with through Owego.

Service Modification or Suspension
Owego may, at its sole discretion, suspend, modify, or discontinue access to any Third-Party Service at any time without prior notice and without liability to you.