Terms of Service

1. Acceptance of Terms

By accessing or using the Sabi9ja prediction market platform, website, mobile application, or any related services (collectively, the "Platform"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service, along with our Privacy Policy and Cookie Policy, which are incorporated herein by reference.

Your continued use of the Platform following any modifications to these Terms constitutes your acceptance of the revised Terms. We encourage you to review these Terms regularly.

If you are using the Platform on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and all references to "you" shall refer to that entity.

2. Eligibility

To use the Sabi9ja Platform, you must:

• ·Be at least 18 years of age (or the age of legal majority in your jurisdiction, if higher)
• ·Be a resident of the Federal Republic of Nigeria or another jurisdiction where prediction markets are legal
• ·Have full legal capacity to enter into binding contracts
• ·Not be prohibited from using financial platforms under applicable Nigerian law or the law of your jurisdiction
• ·Not have previously been suspended or terminated from the Sabi9ja Platform

By creating an account, you represent and warrant that you meet all of the above eligibility requirements. We reserve the right to verify your eligibility at any time and to suspend or terminate accounts that do not meet these requirements.

Sabi9ja is not intended for use in jurisdictions where prediction markets or similar financial instruments are prohibited. It is your sole responsibility to ensure that your use of the Platform complies with all laws and regulations applicable to you.

3. Account Registration

Creating your account

To access trading features, you must register for an account. During registration, you agree to provide accurate, current, and complete information. You must promptly update your information if it changes. Providing false or misleading information is grounds for immediate account termination.

Account security

You are solely responsible for maintaining the confidentiality of your login credentials. You agree to:

• ·Use a strong, unique password that you do not use elsewhere
• ·Never share your password or access credentials with any third party
• ·Notify us immediately at hello@sabi9ja.markets if you suspect any unauthorised access to your account
• ·Log out of your account at the end of each session on shared devices

Sabi9ja will never ask you for your password via email, SMS, or phone. Any request for your password purporting to come from Sabi9ja should be treated as a phishing attempt and reported immediately.

One account per person

You may only maintain one Sabi9ja account. Operating multiple accounts, whether to circumvent restrictions, exploit bonuses, or for any other reason, is strictly prohibited and will result in the termination of all associated accounts and the forfeiture of any balances therein.

4. Platform & Services

Sabi9ja operates an online prediction market platform where registered users can trade shares in the probabilistic outcomes of real-world events. The Platform provides:

• ·Access to live prediction markets across sports, politics, finance, economics, forex, crypto, entertainment, and other categories
• ·A digital wallet for depositing, holding, and withdrawing Naira balances
• ·Real-time price discovery and market data
• ·Educational resources, market commentary, and research tools
• ·Account management and transaction history

We reserve the right to modify, suspend, or discontinue any aspect of the Platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.

5. Prediction Markets

Market creation and curation

All markets on the Sabi9ja Platform are created or approved by Sabi9ja's internal team. Each market includes a clearly stated question, resolution criteria, resolution date, and the authoritative data source that will be used to determine the outcome.

Resolution criteria

Market outcomes are determined solely according to the resolution criteria published in each market at the time of opening. Sabi9ja's resolution team uses only the specified authoritative sources. By trading in a market, you accept the stated resolution criteria in full.

In cases where the stated resolution source is unavailable or unreliable, Sabi9ja reserves the right to use an alternative comparable authoritative source. Any such substitution will be announced publicly before resolution.

Market voidance

A market may be voided (cancelled) in any of the following circumstances:

• ·The underlying event is cancelled, postponed indefinitely, or does not occur within the market's validity period
• ·The stated resolution source becomes unavailable and no comparable alternative exists
• ·The outcome is genuinely ambiguous and cannot be determined with reasonable certainty
• ·Evidence of market manipulation or technical error that materially affected trading activity

In all voided market scenarios, all stakes are refunded in full to participant wallets within 48 hours, with no deductions or fees.

Resolution disputes

If you believe a market has been incorrectly resolved, you may submit a formal dispute within 72 hours of resolution via hello@sabi9ja.markets. Please include your account ID, the market ID, your position, and the basis for your dispute. Sabi9ja's resolution committee will review all disputes and issue a final decision within 5 business days. All resolution committee decisions are final and binding.

6. Trading Rules

Order execution

All trades on Sabi9ja are executed through our automated market maker (AMM) system. Prices displayed at the time of placing a trade are indicative; the actual execution price may differ slightly due to price movement between order submission and execution. By placing a trade, you accept the executed price as final.

Minimum and maximum trade sizes

The minimum single trade size is ₦500. The maximum single trade size is ₦100,000 per order. Sabi9ja may apply lower limits for specific markets, particularly new or low-liquidity markets. Applicable limits are displayed on each market's trading page before you place an order.

Sufficient funds requirement

You must have sufficient funds in your Sabi9ja wallet to cover the full value of any trade at the time of placement. Trades submitted without adequate funds will be rejected. You may not trade on credit or margin.

Irrevocability

Once a trade is confirmed and executed, it cannot be cancelled or reversed. You may, however, offset your position by trading in the opposite direction (e.g., selling YES shares you previously bought) provided the market remains open for trading. Selling carries its own execution risk and the market price at the time of your sell order may differ from your original entry price.

7. Fees & Payments

Sabi9ja charges a platform fee of 2% of every trade staked. This fee is deducted when you place a trade and applies whether your position wins or loses. There are no deposit fees or withdrawal fees.

A liquidity spread applies to all trades, which is the difference between the buy and sell price of shares at any given moment. This spread maintains the market's liquidity pool and is not a fee charged by Sabi9ja directly — it is a natural feature of automated market makers.

Sabi9ja does not charge account maintenance fees, inactivity fees, or subscription fees. Our complete, current fee schedule is always available at sabi9ja.markets/fees. We reserve the right to modify our fee structure with 30 days' advance notice.

8. Deposits & Withdrawals

Deposits

Funds may be deposited to your Sabi9ja wallet via Nigerian bank transfer, PayPal, or crypto. Minimum deposit amount is ₦500. Bank deposits typically reflect within 15 minutes; PayPal and crypto are credited after verification. Sabi9ja is not responsible for delays caused by your bank or payment provider.

Withdrawals

You may request a withdrawal of your available balance at any time. Withdrawals are processed to the Nigerian bank account linked to your Sabi9ja account. The minimum withdrawal amount is ₦1,000. Withdrawals are processed within 1–3 Nigerian business days. Sabi9ja does not charge withdrawal fees; however, your bank may apply its own transaction charges.

For security purposes, large withdrawals may require additional verification. Sabi9ja reserves the right to delay processing withdrawals while conducting anti-fraud checks.

Wallet balance

Your Sabi9ja wallet balance represents funds held in trust for you. Your wallet balance is denominated in Nigerian Naira (NGN) and is not subject to exchange rate fluctuations. Interest is not paid on wallet balances.

9. Prohibited Conduct

The following conduct is strictly prohibited on the Sabi9ja Platform. Engaging in any prohibited conduct may result in immediate account suspension, termination, forfeiture of wallet balance, and/or referral to law enforcement authorities:

Market manipulation

• ·Coordinating with others to artificially move market prices or mislead participants
• ·Using material non-public information obtained through illegal means to trade
• ·Creating a false impression of market activity
• ·Operating multiple accounts to circumvent trading limits or position size restrictions

Technical abuse

• ·Using automated tools to interact with the Platform without our prior written consent
• ·Attempting to reverse-engineer, decompile, or tamper with the Platform
• ·Exploiting any bug or unintended behaviour (report issues to hello@sabi9ja.markets)
• ·Disrupting or interfering with the Platform's normal operation

Fraud and illegal activity

• ·Providing false identity information or impersonating another person
• ·Using stolen or fraudulently obtained payment methods
• ·Using the Platform to launder money or finance illegal activities
• ·Engaging in any conduct that violates applicable Nigerian law or international sanctions

10. Intellectual Property

All content on the Sabi9ja Platform — including but not limited to the brand name, logo, design, software, text, graphics, data, and market content — is the exclusive property of Sabi9ja Markets or its licensors and is protected by Nigerian and international intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This licence does not include any right to:

• ·Resell, sublicence, or commercially exploit any content or feature of the Platform
• ·Reproduce, distribute, or create derivative works from Platform content without our written consent
• ·Remove or alter any copyright, trademark, or other proprietary notices
• ·Frame or embed the Platform or any portion thereof without prior written approval

Any feedback, suggestions, or ideas you provide to Sabi9ja regarding the Platform may be used by us freely and without obligation to you.

11. Privacy

Your privacy matters to us. Our collection, use, and sharing of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Platform, you consent to our data practices as described in the Privacy Policy.

12. Disclaimers

THE Sabi9ja PLATFORM AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Sabi9ja EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• ·Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• ·Any warranty that the Platform will be uninterrupted, error-free, or secure
• ·Any warranty regarding the accuracy, reliability, or completeness of any information provided on the Platform
• ·Any warranty that defects or errors will be corrected

Prediction markets involve significant financial risk. Past performance of any market or trader on the Platform is not indicative of future results. You acknowledge that you may lose some or all of the funds you deposit and trade with.

Sabi9ja does not provide financial, investment, legal, or tax advice. Nothing on the Platform constitutes a recommendation to buy or sell any financial instrument or to engage in any specific trading strategy.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY NIGERIAN LAW, Sabi9ja TECHNOLOGIES LTD, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR:

• ·Any indirect, incidental, special, consequential, exemplary, or punitive damages
• ·Loss of profits, revenue, data, goodwill, or other intangible losses
• ·Damages arising from your access to or use of (or inability to access or use) the Platform
• ·Damages arising from any transaction or investment decision made in connection with the Platform
• ·Damages arising from any unauthorised access to or use of our servers or your personal information stored therein
• ·Damages arising from any third-party content, services, or links accessible through the Platform

Notwithstanding the foregoing, if Sabi9ja is found liable to you for any reason, our total cumulative liability to you for all claims arising from or relating to these Terms or the Platform shall be limited to the greater of: (a) the total platform fees paid by you to Sabi9ja in the 12 months preceding the claim, or (b) ₦50,000.

14. Indemnification

You agree to indemnify, defend, and hold harmless Sabi9ja Technologies Ltd and its officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, judgements, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to:

• ·Your violation of these Terms
• ·Your use of the Platform, including any trades made through your account
• ·Your violation of any applicable law or regulation
• ·Your violation of any third party's rights
• ·Any content you submit or transmit through the Platform

15. Termination

Termination by you

You may close your Sabi9ja account at any time by contacting our support team at hello@sabi9ja.markets. Upon closure, any available balance in your wallet will be paid out to your linked bank account, minus any amounts owed to Sabi9ja, within 5–10 business days.

Termination by Sabi9ja

We reserve the right to suspend or permanently terminate your account, with or without notice, if we reasonably believe that:

• ·You have violated any provision of these Terms
• ·Your account has been used for fraudulent or illegal activity
• ·Your account poses a security risk to the Platform or other users
• ·We are required to do so by law, court order, or regulatory directive
• ·Continuing to provide services to you is no longer commercially viable

Upon termination for cause, we may forfeit your wallet balance as permitted by applicable law. In cases of termination for reasons other than your breach, your available balance will be returned to you.

16. Dispute Resolution

We encourage you to contact us first if you have a dispute. Most concerns can be resolved quickly through our support team at hello@sabi9ja.markets.

If a dispute cannot be resolved informally, you and Sabi9ja agree to submit to binding arbitration administered by the Lagos Court of Arbitration (LCA) under its rules, as the sole and exclusive method of resolving any claim arising from or relating to these Terms or the Platform. The arbitration shall be conducted in Lagos, Nigeria, in the English language. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek emergency injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement or misappropriation of intellectual property rights.

YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST Sabi9ja ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

17. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

Subject to the arbitration provisions above, you submit to the exclusive jurisdiction of the courts of Lagos State, Nigeria for the resolution of any dispute not subject to arbitration.

18. Changes to Terms

We may update these Terms at any time. When we make material changes, we will notify you by email to the address on your account and by posting a prominent notice on the Platform at least 14 days before the changes take effect.

Your continued use of the Platform after the effective date of revised Terms constitutes your acceptance of those changes. If you do not agree to the revised Terms, you must stop using the Platform and may close your account before the changes take effect.

19. Contact

For questions about these Terms, please contact us: