Terms of Service

Definitions

'Platform' means the RibiBenefits web application, mobile application, APIs, and related services. 'Employer' means the company or organisation that has contracted with RibiBenefits to provide employee benefits. 'Employee' means an individual enrolled in the platform by their Employer. 'Administrator' means an individual authorised by the Employer to manage benefits on the platform.

Platform access

Access to the RibiBenefits platform is granted to Employers on the basis of a separate commercial agreement. Employee access is granted by the Employer. You must not share your login credentials with any other person.

We reserve the right to suspend or terminate access where we reasonably believe these terms have been violated, where required by applicable law, or to protect platform integrity.

Employer obligations

Employers using the platform agree to:

• Provide accurate employee data and keep it current
• Use the platform only for legitimate employee benefit purposes
• Maintain appropriate internal controls over platform access
• Comply with applicable employment, tax, and data protection laws in all markets where they operate
• Pay platform fees in accordance with the commercial agreement
• Notify RibiBenefits promptly of any suspected unauthorised access or data breach

Employee obligations

Employees using the platform agree to:

• Use benefits only for permitted personal purposes as described in your employer's benefits policy
• Not attempt to circumvent benefit limits, controls, or partner restrictions
• Report any suspected errors in allowances or transactions to HR or RibiBenefits support
• Not share your BenefitsCard credentials or physical card with any other person

Benefit terms

Benefit allowances are funded by Employers and are subject to the terms of the Employer's benefits policy. RibiBenefits does not guarantee the availability of specific benefit categories or partner networks in all locations at all times.

Monthly allowances that are not used by the end of the benefit period will reset and are not carried forward unless specifically configured otherwise by the Employer. Unused allowances are not redeemable for cash.

Intellectual property

All intellectual property in the RibiBenefits platform — including software, design, content, and trademarks — is owned by RibiRewards Limited or its licensors. You are granted a limited, non-exclusive, non-transferable licence to use the platform for its intended purposes.

You must not copy, modify, reverse-engineer, or create derivative works of any part of the platform.

Limitation of liability

To the maximum extent permitted by applicable law, RibiBenefits is not liable for: indirect or consequential losses; loss of profits or revenue; loss arising from third-party partner service failures; or losses arising from events outside our reasonable control.

Our total liability to any Employer under these terms in any 12-month period shall not exceed the total fees paid by that Employer in the preceding 12 months.

Governing law

These terms are governed by the laws of Nigeria. Disputes will first be subject to good-faith negotiation. If unresolved within 30 days, disputes may be referred to arbitration in Lagos under the Arbitration and Conciliation Act of Nigeria.

Nothing in this clause prevents either party from seeking urgent injunctive relief in any competent court.

Changes to these terms

We may update these terms from time to time. We will notify Employers by email at least 30 days before material changes take effect. Continued use of the platform after the effective date of changes constitutes acceptance of the updated terms.