Terms of Service

Benue Talent Hub is a community platform designed to help talents share their work, connect with supporters, and participate in platform activities.

By registering, logging in, uploading content, purchasing coins, or otherwise using the platform, you agree to these terms and any applicable policies published on the service.

If you use the platform on behalf of another person or organisation, you must have permission to do so and must ensure that your use complies with these terms.

When creating and using an account, you agree to:

• Provide accurate registration and profile information.
• Keep your login credentials confidential and take reasonable steps to protect your account.
• Notify the platform if you suspect unauthorised access.
• Use only accounts you are authorised to access.
• Keep your contact details reasonably up to date.
• Follow applicable laws and any age requirements that apply to the service.

You are responsible for activity performed through your account, except where applicable law provides otherwise. Do not impersonate another person or misrepresent your identity.

The platform may request additional information when reasonably necessary to protect accounts, investigate suspected fraud, or process verification and payment requests.

You must not use Benue Talent Hub to:

• Publish unlawful, threatening, harassing, defamatory, or deliberately deceptive material.
• Threaten, bully, stalk, exploit, or intimidate other users.
• Upload content that infringes another person's copyright, trademark, privacy, or other rights.
• Distribute malware, malicious links, or content designed to compromise accounts or devices.
• Manipulate likes, follows, support transactions, competitions, or other platform activity through fraud or automated abuse.
• Attempt to access another user's account, private information, or restricted administrative functions without permission.
• Misuse payment systems, exploit software defects, or make fraudulent payment or withdrawal claims.
• Spam users or repeatedly post unwanted promotional material.

You should treat other members respectfully and report suspected abuse through the available reporting or support channels.

You retain ownership of content you create, subject to the rights of any other person whose material you include. You are responsible for ensuring that you have permission to upload and share the content you submit.

When you post content, you grant the platform permission to host, store, process, display, and distribute that content as reasonably necessary to operate the service and display your posts according to the platform's features and settings.

This permission is limited to operating and promoting the service in accordance with applicable law and does not transfer ownership of your content to the platform.

• Do not upload stolen work or media you are not authorised to use.
• Do not share another person's private information without an appropriate lawful basis or permission.
• Uploaded posts may require administrator approval before appearing publicly.
• Content may be removed where it violates these terms, applicable law, or another person's rights.

If you believe content on the platform infringes your rights, contact support with sufficient information to identify the material and explain your concern.

The platform may review posts, reports, account activity, and transactions to enforce these terms, maintain security, and protect the community.

Where appropriate, the platform may:

• Reject, hide, or remove content.
• Request clarification or supporting information.
• Restrict features while investigating suspected abuse.
• Suspend or terminate accounts for serious or repeated violations.
• Delay or review transactions where fraud, security concerns, or legal requirements justify doing so.

Decisions should be handled consistently with applicable law and the relevant platform policies. Where an appeal process is available, you may use it to request a review.

The platform may provide an internal wallet for recording coin balances and naira balances, where those features are enabled.

• Coins may be used only for features supported by the platform.
• Coin packages, purchase prices, conversion rates, and applicable limits are determined by the platform's published settings.
• Sending coins to support a talent may be recorded as a completed transaction and may not be reversible automatically.
• Users should check the amount and recipient before confirming a transaction.
• Wallet balances and transaction records may be checked to investigate errors, fraud, or disputes.

Coins are platform units, not a bank deposit or a promise of investment returns. Their use and any conversion into naira are subject to the features, conditions, and limits actually offered by the platform.

Do not assume that every coin balance is immediately withdrawable. Eligibility depends on the platform's configured conversion and withdrawal rules.

If purchases, coin conversion, or withdrawals are available, their applicable prices, minimum amounts, exchange rates, platform fees, and other conditions will be determined by the settings and information displayed by the service.

• Review the amount and applicable charges before confirming a payment or conversion.
• Withdrawal requests may be subject to minimum thresholds, identity checks, fraud reviews, and administrator approval.
• Submitting a withdrawal request does not guarantee immediate payment.
• Incorrect payment details may delay or prevent successful processing.
• Payment records may be reviewed to resolve disputes or investigate suspected fraud.

Refunds, cancellations, failed payments, mistaken transfers, and disputed transactions will be handled according to the applicable payments policy, the payment provider's requirements, and applicable law.

The platform will not treat a payment as successful solely because a user submits a screenshot or claims to have paid. Payment status may be verified against available transaction records.

For additional details, see the Payments Policy.

The platform may offer account upgrades or profile verification. Availability, pricing, eligibility, required evidence, and review procedures are subject to the published platform rules.

• Submitting a verification request does not guarantee approval.
• Users must provide accurate information and genuine supporting documents.
• Verification is not a guarantee of a user's character, professional quality, or future conduct.
• False documents or attempts to manipulate verification may result in rejection or account restrictions.
• Any badge or upgrade may be restricted or revoked where permitted by the applicable rules and law.

Paying a fee, where applicable, does not guarantee that a verification request will be approved. Refer to the Verification Policy for further information.

Competitions or talent events may have separate eligibility requirements, entry fees, deadlines, judging criteria, prizes, and participation rules.

• Read the rules for a particular competition before entering.
• Do not manipulate votes, entries, rankings, or support activity.
• Provide accurate entry information and content you are authorised to submit.
• Any stated prizes and payment conditions are subject to the published competition rules.

If competition-specific rules conflict with these general terms on a particular competition matter, the specific rules will apply to that matter to the extent permitted by law.

The platform may process account details, profile information, posts, messages submitted through available features, wallet records, and technical information needed to operate and protect the service.

Personal information should be handled in accordance with the platform's Privacy Policy and applicable data protection law.

Avoid publishing passwords, banking credentials, payment-card details, identity documents, or other sensitive information in public posts or comments.

The platform may occasionally be unavailable because of maintenance, hosting issues, technical faults, security incidents, or circumstances beyond its reasonable control.

Some functions may depend on external providers, including payment services, hosting providers, or media services. Their services may be subject to separate terms and availability.

The platform will take reasonable steps to maintain and protect the service, but uninterrupted access cannot be guaranteed.

Users are responsible for the content they publish and for their interactions with other users. The platform does not guarantee the accuracy, quality, legality, or reliability of every user-submitted post.

To the extent permitted by law, the platform is not responsible for losses arising from unauthorised account access caused by a user's failure to protect their credentials, user misconduct, or interruptions outside its reasonable control.

Nothing in these terms excludes or limits a right, responsibility, or liability that cannot lawfully be excluded or limited. Applicable consumer, privacy, payment, and other statutory protections continue to apply.

Features, prices, rules, and these terms may change as the platform develops or as legal and operational requirements change.

Updated terms will be published on this page with a revised update date. Where required by law, significant changes will be communicated through an appropriate notice or consent process.

If you do not agree to an updated version, you should stop using the affected service and contact support if you need assistance with your account.

If you have a question about these terms, need to report a problem, or wish to raise a transaction or account complaint, use the platform's support channel.

Please include enough information to identify the issue. Do not send your password or full payment-card details.

These terms are subject to applicable laws. Any dispute should be handled through the appropriate process and jurisdiction required by those laws.