Terms of Service

Last updated: September 14, 2025

1. Introduction

Welcome to Advoca ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, products, and services (collectively, the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you must not use our Service.

These Terms are a legal agreement between you and Advoca. They supplement our Privacy Policy and apply to all users, including visitors, customers, and registered account holders. Our Service is intended for individuals aged 18 or older. By using the Service, you represent that you are at least 18 years old.

2. Account Registration and Security

Account Creation

To access certain features of our Service, you may be required to create an account. When registering, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Security

• You agree to immediately notify us of any unauthorized use of your account or any security breach
• We reserve the right to suspend or terminate accounts that violate these Terms or our policies
• We are not liable for any loss or damage arising from your failure to maintain account security

Important: You are solely responsible for maintaining the confidentiality of your password and for all activities under your account. We recommend using strong, unique passwords and enabling multi-factor authentication where available.

3. User Obligations and Prohibited Activities

As a user of our Service, you agree not to:

• Use the Service for any illegal, fraudulent, or unauthorized purpose
• Interfere with or disrupt the Service or servers/networks connected to the Service
• Attempt to gain unauthorized access to any part of the Service, accounts, or systems
• Upload, transmit, or distribute any malicious code, viruses, or harmful content
• Harass, abuse, or harm other users or our employees
• Reverse engineer, decompile, or disassemble any portion of the Service
• Use the Service to send unsolicited commercial communications (spam)
• Violate any applicable laws, regulations, or third-party rights

We may, at our sole discretion, terminate or suspend your access to the Service immediately without notice if you violate these Terms.

4. Intellectual Property Rights

Our Proprietary Rights

All content, features, and functionality of the Service (including but not limited to text, graphics, logos, software, and code) are owned by Advoca or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service without our prior written consent.

User-Generated Content

By submitting content to the Service (e.g., feedback, reviews, support tickets), you grant Advoca a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute such content for the purpose of operating and improving our Service. You represent and warrant that you own or have the necessary rights to submit such content.

Important: You retain ownership of your content, but you grant us a license to use it for service-related purposes. We do not claim ownership of your intellectual property.

5. Payments and Refunds

Payment Terms

For paid services, you agree to pay all fees specified at the time of purchase. All payments are processed through our third-party payment processors (e.g., Flutterwave). We do not store full credit card information.

Refund Policy

• Subscriptions: Cancellations are effective at the end of the current billing cycle. No refunds for partial periods
• One-time purchases: Refund requests must be submitted within 30 days of purchase
• Refunds are at our sole discretion and may be denied for violations of these Terms
• Processing fees from payment processors are non-refundable

For subscription services, you may cancel at any time through your account settings. Your cancellation will take effect at the end of your current billing period.

6. Service Termination

By You

You may terminate your account at any time by contacting us at advoca.pro@gmail.com. Upon termination, your access to the Service will cease immediately, and we may delete your account and associated data in accordance with our Privacy Policy.

By Advoca

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice, including for:

• Violations of these Terms
• Security breaches or suspicious activity
• Non-payment of fees (for paid services)
• Legal requirements or regulatory compliance

Upon termination, all rights granted to you under these Terms will cease immediately, and you must cease all use of the Service.

7. Disclaimers and Limitations of Liability

No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVOC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

IN NO EVENT SHALL ADVOC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, or data
• Business interruption
• Loss of goodwill or reputation
• Any other intangible loss

OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID US FOR THE SERVICE IN THE PRECEDING 12 MONTHS.

Important: Some jurisdictions do not allow the exclusion or limitation of liability for certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

8. Indemnification

You agree to indemnify, defend, and hold harmless Advoca, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Service

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.

9. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the federal or state courts located in Delaware, USA.

Dispute Resolution

Before initiating any legal action, you agree to first attempt to resolve any dispute through non-binding mediation. If mediation is unsuccessful, disputes shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall be conducted in English, and the award rendered by the arbitrator(s) shall be final and binding.

Important: By agreeing to these Terms, you waive your right to a jury trial and to participate in class actions or representative proceedings. Each dispute will be resolved individually.

10. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by:

• Emailing registered users at least 30 days before the changes take effect
• Posting a prominent notice on our website
• Updating the "Last updated" date at the top of these Terms

Continued use of the Service after such changes constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Service.

11. Miscellaneous Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Advoca regarding your use of the Service and supersede all prior agreements.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be replaced with a valid provision that most closely matches the original intent.

Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Advoca.

Assignment

You may not assign these Terms or your rights under these Terms without our prior written consent. We may assign these Terms to any third party without your consent, including in connection with a merger, acquisition, or sale of assets.

12. Contact Information

For questions about these Terms, please contact us at:

• Email: advoca.pro@gmail.com
• Phone: +234 803 868 6878
• Mailing Address: C32 H2 BRICK CITY ESTATE, PHASE 2, KUBWA EXPRESSWAY, ABUJA, FCT, NIGERIA

For regulatory inquiries:

• GDPR: dpo@advoca.pro
• CCPA/CPRA: privacy@advoca.pro