SmartEarn Terms & Conditions
Welcome to SmartEarn Limited (“SmartEarn,” “we,” “our,” or “us”). By accessing or using our
platform, you acknowledge that you have read, understood, and agree to be bound by the
following terms, conditions, and regulations. These Terms and Conditions govern your use of
our platform, including the partnership, purchase, learning and promotion of digital
offers/products.
- General Provisions
1.1 Acceptance of Terms:
By accessing, engaging with, or utilizing any feature or service offered on the SmartEarn
platform, whether as a consultant/expert, vendor, affiliate, or user, you confirm that you have
read, understood, and agreed to be bound by these Terms and Conditions in full. Your
continued use of the platform indicates your acceptance. If you do not agree with any
provision, you must immediately discontinue use of our services and refrain from further
engagement with the platform.
1.2 Revision of Terms and Updates
SmartEarn reserves the right to amend, revise, or update these Terms and Conditions at any
time. Significant changes will be communicated to users via prominent notices on the
platform and, where possible, via email or direct notifications. It is your responsibility to
review these Terms periodically. Continued use of the platform after the posting of revised
terms indicates your acceptance and agreement to be bound by the updated terms. In the
event of substantial changes, you may be required to provide explicit consent.
1.3 Eligibility
By using our platform, you affirm that you are at least 18 years old and able to utilize tech
devices. If you are under 18 but at least 15 years old, you may use the platform with the
consent of a parent or guardian. Users who do not meet these age requirements must
refrain from using the platform.
- User Responsibilities and Obligations
2.1 Product Purchase
As a user on the SmartEarn platform, you are granted access to our variety of digital
products to browse, select, and purchase in order to help you solve any desired problem.
Also you have the opportunity to learn any digital skills of your choice or business from our
Skills Garage and Business University.
We are committed to ensuring a fair and transparent platform for all users. By using the
platform, you agree to comply with all relevant laws and regulations. SmartEarn reserves the
right to manage and regulate the marketplace, skills Garage and the business university in
accordance with our Terms and Conditions.
2.2 Non-Resale Rights
Products purchased on the SmartEarn platform are for your personal use only. You are
prohibited from reselling, altering, or repurposing any purchased product unless explicitly
authorized by the product creator or vendor. Unauthorized resale or modification of products
will be considered a breach of these Terms and Conditions and may result in immediate
suspension or termination of your account, as well as potential legal action to seek remedies
for any damages incurred.
2.3 Money-Back Guarantee
Due to the nature of digital products and services offered on SmartEarn, we generally do not
provide refunds once a product has been purchased and delivered. However, we are
committed to customer satisfaction. If a product is defective, incomplete, or not as described,
buyers have the right to file a complaint within 30 days of purchase. We will review your
complaint and may, at our discretion, offer a resolution, which could include a replacement or
refund, depending on the circumstances. It is the buyer’s responsibility to review product
details carefully before making a purchase.
2.4 Personal Liability
You are solely responsible for safeguarding the confidentiality of your account credentials.
You agree to assume full responsibility for all activities conducted under your account.
SmartEarn disclaims any liability for losses or damages resulting from your failure to secure
your account information. It is your obligation to notify us immediately of any unauthorized
use or suspected breach of your account.
- Affiliate Responsibilities and Obligations
3.1 Access to Marketplace
Affiliates must pay a subscription fee of ₦5000 (or its equivalent in affiliate’s currency ) per
year to gain access to the SmartEarn marketplace. Without this payment, affiliates will not be
able to access the platform.
This marketplace is where all of SmartEarn digital products are made available for affiliate
partners to recommend.
3.2 Affiliate Benefits
As an affiliate, you will have access to a variety of digital products, promotional tools, and
support designed to help you succeed. In addition to standard sales commissions, you may
also earn additional bonuses based on performance and sales achievements.
3.3 Personal Liability
Affiliates are responsible for protecting the confidentiality of their account credentials. You
are accountable for all activities conducted under your account. SmartEarn is not liable for
any loss or damage resulting from your failure to maintain account security.
3.4 Payment Process
Affiliates will receive payments based on their earned sales commissions. Payments will be
made via bank transfer in local currency, and momo to international affiliates partners.
3.5 Confidentiality
Affiliates must uphold the privacy and confidentiality of all information received or created in
connection with their role, including customer and user data.
3.6 Compliance with Regulations
Affiliates must adhere to local and international regulations, including but not limited to the
Federal Competition and Consumer Protection Act (FCCPA), the Nigerian Data Protection
Regulation (NDPR), and rules on advertising, testimonials, and earnings claims. All
promotional communications must include a functional unsubscribe link and must not contain
misleading or deceptive content.
3.7 Miscellaneous
Affiliates may qualify for additional bonuses based on performance metrics, goals achieved,
or other criteria established by SmartEarn. Technical training and additional resources may
also be provided to support affiliate success.
- Vendor/Creator Responsibilities and Obligations
4.1 Payment Process
Creators (Vendors, skills and business experts) on the SmartEarn platform will receive
payments via bank transfer to a valid bank account registered in their name. All payments
will be processed in accordance with our payment schedule and terms. It is the creator’s
responsibility to ensure the accuracy of their banking information to avoid delays in payment.
4.2 Commission Percentage Policy
Vendors are responsible for setting the commission percentage for affiliates promoting their
products. While SmartEarn encourages vendors to offer reasonable and competitive
commissions to incentivize affiliate promotion, vendors must ensure that the commission
structure aligns with their overall business strategy.
4.3 Intermediary Role
SmartEarn serves as an intermediary platform, facilitating interactions between Creators
(problem solvers) and customers (Solution seekers). We provide a marketplace for expert
creators to list their digital products and enable potential customers to discover and
purchase them.
Also we make the Skills Garage and business university available for customers to enroll
and learn from top experts skill that will improve themselves.
However, SmartEarn does not take ownership of the products sold and is not responsible for
the content or quality of the listed products.
4.4 Confidentiality
Creators must maintain the confidentiality of all sensitive information, including customer and
user data, that they receive or have access to through the SmartEarn platform. Any breach
of confidentiality will be considered a violation of these Terms and Conditions and may result
in penalties, including suspension from the platform.
4.5 Personal Liability
Creators are responsible for safeguarding their account credentials and ensuring that all
activities conducted under their account are authorized. Any unauthorized access or misuse
of the accountwill be the sole responsibility of the vendor. SmartEarn disclaims liability for
any losses arising from the vendor’s failure to secure their account.
4.6 Compliance
Creators are required to adhere to all platform standards and legal requirements concerning
the products they list. Failure to comply with SmartEarn’s policies or legal obligations may
lead to the disapproval or removal of product listings, account suspension, or other
corrective actions.
- General Provisions for All Users
5.1 Prohibited Conduct
Users must refrain from engaging in any actions that violate applicable laws, infringe on the
rights of others, finance laundering or disrupt the normal operation of the SmartEarn
platform. Any attempt to manipulate, misuse, or exploit the platform or its services will not be
tolerated.
5.2 Intellectual Property Rights
5.2.1 Ownership of SmartEarn IP
All content and materials on the SmartEarn platform, including logos, designs, text, graphics,
software, and proprietary tools, are the intellectual property of SmartEarn or its licensors.
You may not use, reproduce, modify, or distribute any content without our prior written
consent. Unauthorized use of SmartEarn’s intellectual property will result in immediate
termination of your account and may lead to legal action.
5.2.2 Creator Content and IP
By uploading or creating digital products, skills/business trainings on the SmartEarn
platform, you (the vendor) retain all intellectual property rights to the content unless explicitly
transferred through a separate agreement. However, by uploading content, you grant
SmartEarn a non-exclusive, royalty-free, worldwide license to display, distribute, and
promote your offer(s)/products as part of our services. Creators warrant that they own or
have the necessary rights to upload and distribute their content. In the event of a dispute
regarding the ownership of intellectual property, SmartEarn may remove the content in
question until the dispute is resolved.
5.3 Account Termination
SmartEarn reserves the right to suspend or terminate user accounts at its sole discretion.
This may occur for reasons including but not limited to breaches of these Terms and
Conditions, unlawful conduct, or any activity deemed harmful to the platform or its users.
5.4 Limitation of Liability
SmartEarn shall not be held responsible for any direct, indirect, incidental, or consequential
losses or damages that arise from your use of the platform. This includes, but is not limited
to, issues stemming from third-party content or products provided through the platform. Your
use of SmartEarn is at your own risk, and we recommend exercising caution when
interacting with third-party services.
5.5 Data Privacy & Security
SmartEarn is committed to protecting the personal data of users in compliance with the
Nigeria Data Protection Regulation (NDPR) and applicable international data protection
laws. By using our platform, you consent to the collection, use, and processing of your
personal data in accordance with our Privacy Policy.
5.6 Non-Disparagement
5.6.1 For All Users
By using the SmartEarn platform, you agree not to engage in conduct, whether public or
private, that defames or harms the reputation of SmartEarn, its partners (creators &
affiliates), employees, customers or other users. This includes refraining from posting
negative comments, reviews, or statements on social media or public forums unless they are
factual and pertain to a legitimate issue that has been addressed with SmartEarn through
proper dispute resolution. Failure to comply with this clause may result in account
suspension, content removal, or legal action.
5.6.2 Creator and Affiliate-Specific Non-Disparagement:
Creators and affiliates must ensure that all representations about SmartEarn or any products
promoted are accurate and not misleading. Any disputes should be addressed through the
platform’s dispute resolution process before making public statements.
5.6.3 Legal Recourse for Breach:
SmartEarn reserves the right to terminate your account and seek legal remedies, including
claims for defamation, damages, or injunctive relief, for breaches of this clause.
5.6.4 Dispute Resolution and Non-Disparagement
In the event of a dispute, users agree to first notify SmartEarn and engage in good faith
efforts to resolve the issue amicably. Only if such efforts fail will users be permitted to make
any public or disparaging statements, provided those statements are factually accurate and
made in compliance with applicable laws.
- Governing Law and Dispute Resolution
6.1 Governing Law
These Terms and Conditions shall be governed and construed in accordance with the laws
of Nigeria, without regard to its conflict of law principles.
Contact Us
For any questions, concerns, or clarifications regarding these Terms and Conditions, please
contact us at:
Email: support@smartearn.coTerms and Conditions
Effective Date: 1st August, 2024
Welcome to SmartEarn Limited (“SmartEarn,” “we,” “our,” or “us”). By accessing or using our
platform, you acknowledge that you have read, understood, and agree to be bound by the
following terms, conditions, and regulations. These Terms and Conditions govern your use of
our platform, including the partnership, purchase, learning and promotion of digital
offers/products.
- General Provisions
1.1 Acceptance of Terms:
By accessing, engaging with, or utilizing any feature or service offered on the SmartEarn
platform, whether as a consultant/expert, vendor, affiliate, or user, you confirm that you have
read, understood, and agreed to be bound by these Terms and Conditions in full. Your
continued use of the platform indicates your acceptance. If you do not agree with any
provision, you must immediately discontinue use of our services and refrain from further
engagement with the platform.
1.2 Revision of Terms and Updates
SmartEarn reserves the right to amend, revise, or update these Terms and Conditions at any
time. Significant changes will be communicated to users via prominent notices on the
platform and, where possible, via email or direct notifications. It is your responsibility to
review these Terms periodically. Continued use of the platform after the posting of revised
terms indicates your acceptance and agreement to be bound by the updated terms. In the
event of substantial changes, you may be required to provide explicit consent.
1.3 Eligibility
By using our platform, you affirm that you are at least 18 years old and able to utilize tech
devices. If you are under 18 but at least 15 years old, you may use the platform with the
consent of a parent or guardian. Users who do not meet these age requirements must
refrain from using the platform.
- User Responsibilities and Obligations
2.1 Product Purchase
As a user on the SmartEarn platform, you are granted access to our variety of digital
products to browse, select, and purchase in order to help you solve any desired problem.
Also you have the opportunity to learn any digital skills of your choice or business from our
Skills Garage and Business University.
We are committed to ensuring a fair and transparent platform for all users. By using the
platform, you agree to comply with all relevant laws and regulations. SmartEarn reserves the
right to manage and regulate the marketplace, skills Garage and the business university in
accordance with our Terms and Conditions.
2.2 Non-Resale Rights
Products purchased on the SmartEarn platform are for your personal use only. You are
prohibited from reselling, altering, or repurposing any purchased product unless explicitly
authorized by the product creator or vendor. Unauthorized resale or modification of products
will be considered a breach of these Terms and Conditions and may result in immediate
suspension or termination of your account, as well as potential legal action to seek remedies
for any damages incurred.
2.3 Money-Back Guarantee
Due to the nature of digital products and services offered on SmartEarn, we generally do not
provide refunds once a product has been purchased and delivered. However, we are
committed to customer satisfaction. If a product is defective, incomplete, or not as described,
buyers have the right to file a complaint within 30 days of purchase. We will review your
complaint and may, at our discretion, offer a resolution, which could include a replacement or
refund, depending on the circumstances. It is the buyer’s responsibility to review product
details carefully before making a purchase.
2.4 Personal Liability
You are solely responsible for safeguarding the confidentiality of your account credentials.
You agree to assume full responsibility for all activities conducted under your account.
SmartEarn disclaims any liability for losses or damages resulting from your failure to secure
your account information. It is your obligation to notify us immediately of any unauthorized
use or suspected breach of your account.
- Affiliate Responsibilities and Obligations
3.1 Access to Marketplace
Affiliates must pay a subscription fee of ₦5000 (or its equivalent in affiliate’s currency ) per
year to gain access to the SmartEarn marketplace. Without this payment, affiliates will not be
able to access the platform.
This marketplace is where all of SmartEarn digital products are made available for affiliate
partners to recommend.
3.2 Affiliate Benefits
As an affiliate, you will have access to a variety of digital products, promotional tools, and
support designed to help you succeed. In addition to standard sales commissions, you may
also earn additional bonuses based on performance and sales achievements.
3.3 Personal Liability
Affiliates are responsible for protecting the confidentiality of their account credentials. You
are accountable for all activities conducted under your account. SmartEarn is not liable for
any loss or damage resulting from your failure to maintain account security.
3.4 Payment Process
Affiliates will receive payments based on their earned sales commissions. Payments will be
made via bank transfer in local currency, and momo to international affiliates partners.
3.5 Confidentiality
Affiliates must uphold the privacy and confidentiality of all information received or created in
connection with their role, including customer and user data.
3.6 Compliance with Regulations
Affiliates must adhere to local and international regulations, including but not limited to the
Federal Competition and Consumer Protection Act (FCCPA), the Nigerian Data Protection
Regulation (NDPR), and rules on advertising, testimonials, and earnings claims. All
promotional communications must include a functional unsubscribe link and must not contain
misleading or deceptive content.
3.7 Miscellaneous
Affiliates may qualify for additional bonuses based on performance metrics, goals achieved,
or other criteria established by SmartEarn. Technical training and additional resources may
also be provided to support affiliate success.
- Vendor/Creator Responsibilities and Obligations
4.1 Payment Process
Creators (Vendors, skills and business experts) on the SmartEarn platform will receive
payments via bank transfer to a valid bank account registered in their name. All payments
will be processed in accordance with our payment schedule and terms. It is the creator’s
responsibility to ensure the accuracy of their banking information to avoid delays in payment.
4.2 Commission Percentage Policy
Vendors are responsible for setting the commission percentage for affiliates promoting their
products. While SmartEarn encourages vendors to offer reasonable and competitive
commissions to incentivize affiliate promotion, vendors must ensure that the commission
structure aligns with their overall business strategy.
4.3 Intermediary Role
SmartEarn serves as an intermediary platform, facilitating interactions between Creators
(problem solvers) and customers (Solution seekers). We provide a marketplace for expert
creators to list their digital products and enable potential customers to discover and
purchase them.
Also we make the Skills Garage and business university available for customers to enroll
and learn from top experts skill that will improve themselves.
However, SmartEarn does not take ownership of the products sold and is not responsible for
the content or quality of the listed products.
4.4 Confidentiality
Creators must maintain the confidentiality of all sensitive information, including customer and
user data, that they receive or have access to through the SmartEarn platform. Any breach
of confidentiality will be considered a violation of these Terms and Conditions and may result
in penalties, including suspension from the platform.
4.5 Personal Liability
Creators are responsible for safeguarding their account credentials and ensuring that all
activities conducted under their account are authorized. Any unauthorized access or misuse
of the account will be the sole responsibility of the vendor. SmartEarn disclaims liability for
any losses arising from the vendor’s failure to secure their account.
4.6 Compliance
Creators are required to adhere to all platform standards and legal requirements concerning
the products they list. Failure to comply with SmartEarn’s policies or legal obligations may
lead to the disapproval or removal of product listings, account suspension, or other
corrective actions.
- General Provisions for All Users
5.1 Prohibited Conduct
Users must refrain from engaging in any actions that violate applicable laws, infringe on the
rights of others, finance laundering or disrupt the normal operation of the SmartEarn
platform. Any attempt to manipulate, misuse, or exploit the platform or its services will not be
tolerated.
5.2 Intellectual Property Rights
5.2.1 Ownership of SmartEarn IP
All content and materials on the SmartEarn platform, including logos, designs, text, graphics,
software, and proprietary tools, are the intellectual property of SmartEarn or its licensors.
You may not use, reproduce, modify, or distribute any content without our prior written
consent. Unauthorized use of SmartEarn’s intellectual property will result in immediate
termination of your account and may lead to legal action.
5.2.2 Creator Content and IP
By uploading or creating digital products, skills/business trainings on the SmartEarn
platform, you (the vendor) retain all intellectual property rights to the content unless explicitly
transferred through a separate agreement. However, by uploading content, you grant
SmartEarn a non-exclusive, royalty-free, worldwide license to display, distribute, and
promote your offer(s)/products as part of our services. Creators warrant that they own or
have the necessary rights to upload and distribute their content. In the event of a dispute
regarding the ownership of intellectual property, SmartEarn may remove the content in
question until the dispute is resolved.
5.3 Account Termination
SmartEarn reserves the right to suspend or terminate user accounts at its sole discretion.
This may occur for reasons including but not limited to breaches of these Terms and
Conditions, unlawful conduct, or any activity deemed harmful to the platform or its users.
5.4 Limitation of Liability
SmartEarn shall not be held responsible for any direct, indirect, incidental, or consequential
losses or damages that arise from your use of the platform. This includes, but is not limited
to, issues stemming from third-party content or products provided through the platform. Your
use of SmartEarn is at your own risk, and we recommend exercising caution when
interacting with third-party services.
5.5 Data Privacy & Security
SmartEarn is committed to protecting the personal data of users in compliance with the
Nigeria Data Protection Regulation (NDPR) and applicable international data protection
laws. By using our platform, you consent to the collection, use, and processing of your
personal data in accordance with our Privacy Policy.
5.6 Non-Disparagement
5.6.1 For All Users
By using the SmartEarn platform, you agree not to engage in conduct, whether public or
private, that defames or harms the reputation of SmartEarn, its partners (creators &
affiliates), employees, customers or other users. This includes refraining from posting
negative comments, reviews, or statements on social media or public forums unless they are
factual and pertain to a legitimate issue that has been addressed with SmartEarn through
proper dispute resolution. Failure to comply with this clause may result in account
suspension, content removal, or legal action.
5.6.2 Creator and Affiliate-Specific Non-Disparagement:
Creators and affiliates must ensure that all representations about SmartEarn or any products
promoted are accurate and not misleading. Any disputes should be addressed through the
platform’s dispute resolution process before making public statements.
5.6.3 Legal Recourse for Breach:
SmartEarn reserves the right to terminate your account and seek legal remedies, including
claims for defamation, damages, or injunctive relief, for breaches of this clause.
5.6.4 Dispute Resolution and Non-Disparagement
In the event of a dispute, users agree to first notify SmartEarn and engage in good faith
efforts to resolve the issue amicably. Only if such efforts fail will users be permitted to make
any public or disparaging statements, provided those statements are factually accurate and
made in compliance with applicable laws.
- Governing Law and Dispute Resolution
6.1 Governing Law
These Terms and Conditions shall be governed and construed in accordance with the laws
of Nigeria, without regard to its conflict of law principles.
Contact Us
For any questions, concerns, or clarifications regarding these Terms and Conditions, please
contact us at:
Email: support@smartearn.co