Platform Terms of Use

1.1 BridgeX is the brand name of Bridge and Ladder Synergy Solution Ltd (“BridgeX”, “we”, “us” or “our”). BridgeX operates the website www.bridgexng.com, mobile applications and related marketplace services (together, the “Platform”).

1.2 These Terms govern your access to and use of the Platform as a service user. Service Providers are additionally bound by the BridgeX Service Provider Terms. The Privacy Notice, Verification and KYC Policy, Cancellation and Refund Policy, Complaints and Dispute Resolution Policy, Community and Review Guidelines and Copyright / Takedown Policy form part of the BridgeX legal framework and should be read with these Terms. 1.3 If a separate written agreement between you and BridgeX expressly states that it overrides any provision of these Terms, that written agreement prevails to the extent of the inconsistency.

“Booking” a request, reservation, engagement or transaction initiated through the Platform for an underlying service. “BridgeX Fee” any platform, booking, technology, subscription or other fee expressly stated as payable to BridgeX.

“Content” text, photographs, images, audio, video, reviews, messages, profiles, service descriptions and other materials made available through the Platform. “Provider Service” the service offered and performed by a Service Provider for a User.

“Service Provider” an independent person or business that lists, offers or performs services through the Platform.

“Customer” a person who accesses or uses the Platform to search for, communicate with, book or engage a Service Provider.

“Verified badge” a badge or status indicating that BridgeX has completed the specific checks described in the Verification and KYC Policy.

3.1 The initial BridgeX launch is intended for persons who are at least 18 years old and have legal capacity to enter into a contract. You must not create an account if you are under 18. Any future feature designed for minors will be subject to a separate safeguarding and consent framework.

3.2 You must provide accurate, current and complete information, keep your details updated, and maintain the confidentiality of your password, verification codes and account credentials. You are responsible for activity carried out through your account unless you promptly notify BridgeX of suspected unauthorised access.

3.3 You must not create an account using another person’s identity, create multiple accounts to evade enforcement, sell or transfer an account without BridgeX approval, or use an account for unlawful or fraudulent purposes. 3.4 BridgeX may request reasonable information to verify your identity, prevent fraud, comply with law or investigate safety concerns. Failure to provide information reasonably required for those purposes may result in restricted access to affected features.

4.1 BridgeX provides technological infrastructure that enables Users to discover, compare, communicate with and engage independent Service Providers. The underlying Provider Service is ordinarily supplied by the Service Provider directly to the User. 4.2 Unless a booking screen clearly states that BridgeX itself is supplying a specified service, BridgeX is not a party to the contract for the Provider Service and does not employ, partner with or act as the agent of a Service Provider merely because that provider appears on the Platform.

4.3 BridgeX may set marketplace rules, verify information, moderate Content, investigate complaints, suspend accounts and take other governance measures. Those measures are designed to support a safer and more reliable marketplace and do not amount to a guarantee that a Service Provider will perform a service to any particular standard. 4.4 Nothing in this section relieves BridgeX of responsibility for the Platform service that BridgeX itself provides, or of any statutory obligation that applies to BridgeX under Nigerian law.

5.1 Service Providers are responsible for the truth and completeness of their profiles, qualifications, licences, service descriptions, quotations, personnel and other representations.

5.2 BridgeX may conduct identity, contact, business, licence, reference or other checks. The check attached to each badge is described in the Verification and KYC Policy. A badge does not amount to a warranty, endorsement or guarantee of professional competence, good character, future conduct or fitness for your specific needs.

5.3 You should make reasonable enquiries appropriate to the nature and risk of the service, including asking for current professional licences, insurance, references, work specifications or other evidence where appropriate. BridgeX may assist with verification but does not replace your own judgment.

6.1 A Service Provider may publish indicative prices, request information before quoting, or provide a customised quotation. Unless stated otherwise, a quote is made by the Service Provider and is subject to any stated scope, assumptions, validity period and lawful charges.

6.2 Before confirming a Booking, the Platform should display or make available the Service Provider’s identity, the service description or quotation, applicable Provider Service price, BridgeX Fee, taxes and other mandatory charges known at that stage, together with the applicable cancellation rule. 6.3 When a Booking is accepted by a Service Provider, a contract for the Provider Service is formed between the User and that Service Provider on the terms disclosed for the Booking and any lawful additional terms agreed directly between them. BridgeX’s Terms continue to govern use of the Platform.

6.4 If the parties materially vary the scope, price or timing of a Provider Service, they should record the variation through the Platform where the functionality exists. BridgeX is not responsible for undocumented arrangements made outside the Platform.

7.1 Where payment is enabled through BridgeX, payments are processed by PAYSTACK or another appropriately licensed third party disclosed at checkout. Unless the checkout screen expressly states otherwise, BridgeX does not operate a deposit taking account, stored value wallet or escrow service.

7.2 You authorise the applicable payment processor to charge the payment method selected by you for the amounts shown at checkout. Payment processor terms and privacy practices may also apply.

7.3 BridgeX Fees, Service Provider charges, taxes and other mandatory charges must be disclosed before you commit to payment. You are not required to pay a charge that was not properly disclosed, subject to lawful post-booking variations that you expressly approve.

7.4 If you pay a Service Provider directly or outside the Platform, BridgeX may be unable to verify the payment, administer a refund through the payment processor, or provide transaction-level support. Off-platform payment also increases fraud and evidential risk.

8.1 Cancellations and refunds are governed by the BridgeX Cancellation and Refund Policy and any booking-specific cancellation rule disclosed before confirmation. Those rules must be interpreted consistently with mandatory rights under the Federal Competition and Consumer Protection Act 2018 and other applicable law.

8.2 BridgeX does not apply a blanket “no refund” rule. Reasonable cancellation charges may apply where lawfully disclosed and justified, but statutory rights relating to non-performance, defective services, misrepresentation or other consumer remedies are preserved.

9.1 You must use the Platform lawfully, honestly and in a manner that does not endanger another person, compromise the Platform, interfere with an investigation, or infringe another person’s rights.

• submit false identity, payment, complaint, review or booking information
• harass, threaten, discriminate against, exploit or unlawfully surveil another person
• request or arrange an unlawful, dangerous, fraudulent or prohibited service
• upload malware, scrape the Platform without authorisation, bypass technical controls or attempt unauthorised access
• publish defamatory, obscene, non-consensual intimate, child exploitative, terrorist, fraudulent or otherwise unlawful Content
• infringe copyright, trademark, privacy, confidentiality or other rights
• manipulate ratings, create fake reviews, offer payment for positive reviews, or retaliate against a person for a genuine review

h) use the Platform primarily to divert an introduced transaction for the purpose of evading a properly disclosed BridgeX Fee; or i) use BridgeX to facilitate money laundering, advance fee fraud, impersonation or any criminal activity.

10.1 BridgeX may provide messaging, calling, notification or other communication tools. You must not use them to send spam, abusive material, unlawful solicitations or content prohibited by the Community and Review Guidelines. 10.2 BridgeX is not an emergency service. If there is an immediate threat to life, safety or property, contact the appropriate Nigerian emergency or law enforcement service first, then report the matter to BridgeX where relevant.

10.3 BridgeX support personnel will not ask you to disclose your password or one-time password. Report suspicious requests immediately.

11.1 You retain ownership of Content you create. By submitting Content to the Platform, you grant BridgeX a worldwide, non-exclusive, royalty-free, transferable and sublicensable licence to host, reproduce, display, format, moderate and use that Content for operating, securing, improving and promoting the Platform, subject to the Privacy Notice and applicable law. 11.2 You must have the rights and permissions necessary to upload Content. Reviews must reflect genuine experience and must not be fabricated, defamatory, threatening, discriminatory, privacyinvasive, misleading or manipulated.

11.3 BridgeX may label, restrict, remove or preserve Content, and may suspend accounts, where reasonably necessary to comply with law, enforce platform rules, address safety risks, respond to valid notices or protect users. Review and appeal procedures are set out in the Community and Review Guidelines and Copyright / Takedown Policy.

12.1 The BridgeX name, logos, software, interfaces, databases, design, compilation, proprietary processes and BridgeX-created Content are owned by or licensed to BridgeX and are protected by applicable intellectual property laws.

12.2 BridgeX grants you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended personal or business purpose in accordance with these Terms. No source code, trademark, database right or other ownership interest is transferred to you. 12.3 Copyright complaints must be submitted under the Copyright / Takedown Policy. Other brand or intellectual property complaints may be sent to info@bridgex.ng.com

13.1 The Platform may depend on payment processors, mapping services, identity verification services, cloud providers, messaging services, analytics tools and other third parties. Their terms may apply to your direct use of their services.

13.2 BridgeX is responsible for selecting and managing its processors and vendors to the extent required by law, but is not responsible for an independent third party’s separate service where the third party contracts directly with you, except to the extent BridgeX is legally responsible for its own acts or omissions.

14.1 BridgeX may restrict, suspend or terminate an account where reasonably necessary for safety, suspected fraud, unlawful conduct, repeated policy breaches, non-payment, false verification information, material risk to other users, legal or regulatory requirements, or protection of the Platform.

14.2 Where circumstances permit, BridgeX will provide the affected person with the reason for material enforcement action and an opportunity to request review. BridgeX may act immediately without prior notice where delay would create a material safety, fraud, legal or cybersecurity risk.

14.3 Termination does not extinguish accrued payment obligations, rights arising from completed transactions, lawful evidence preservation requirements or provisions intended to survive termination.

15.1 Complaints may be submitted through the in-app complaint tool or to info@bridgexng.com. BridgeX will assign a reference or ticket number and handle complaints in accordance with the Complaints and Dispute Resolution Policy.

15.2 BridgeX distinguishes between complaints about the Platform and disputes about a Provider Service. BridgeX may facilitate communication or refunds through the Platform, but does not become the adjudicator or contracting supplier merely by assisting. 15.3 Nothing in these Terms prevents a consumer from making a complaint to the Federal Competition and Consumer Protection Commission, the Nigeria Data Protection Commission where applicable, another competent regulator, or a court of competent jurisdiction.

16.1 BridgeX does not warrant that every Service Provider will be suitable for every User, that a Service Provider will be error-free, or that a provider will perform exactly as represented. Provider suitability depends on the nature of the work, information supplied by the User, current licences, scope and other circumstances. 16.2 The Platform is provided on an availability basis. BridgeX will take reasonable steps to maintain security and availability but cannot guarantee uninterrupted operation or that every technical defect will be corrected immediately.

16.3 No disclaimer in these Terms limits a statutory guarantee, duty, right or remedy that cannot lawfully be excluded or restricted, or excludes liability for fraud, deliberate misconduct or any other liability that Nigerian law does not permit BridgeX to exclude.

17.1 To the fullest extent permitted by law, BridgeX is not liable for loss arising solely from the act, omission, negligence, professional error, misconduct, delay, non-performance or unlawful conduct of an independent Service Provider where BridgeX did not cause or assume responsibility for that loss. 17.2 To the fullest extent permitted by law, BridgeX is not liable for indirect, special or consequential loss that was not reasonably foreseeable when the relevant Platform transaction was entered into. This does not affect liability for direct loss caused by BridgeX’s breach of a duty owed by BridgeX or any non-excludable statutory remedy. 17.3 You are responsible for maintaining appropriate backups and security of your own devices and information. BridgeX is not responsible for losses caused by your disclosure of credentials, use of an

insecure device, or failure to follow security notices, except where BridgeX is legally responsible for contributing to the loss.

18.1 To the extent permitted by law, you will indemnify BridgeX against third-party claims and reasonable losses arising from your unlawful use of the Platform, your infringement of another person’s intellectual property or privacy rights, fraudulent Content, or a material breach of these Terms. This indemnity does not apply to the extent a claim was caused by BridgeX’s own breach, negligence or unlawful conduct.

19.1 BridgeX may update the Platform and these Terms to reflect legal, security, product or commercial changes. Material changes will be notified through an appropriate channel. Where a change materially affects existing contractual rights, BridgeX may require renewed acceptance before the changed feature is used.

19.2 The version and effective date displayed in these Terms identify the governing version. BridgeX should maintain an internal record of prior versions and user acceptance evidence.

20.1 You agree that BridgeX may send contractual notices electronically through the Platform, email, SMS, push notification or another contact method you provide. Marketing communications are subject to separate consent and opt-out rules under the Privacy Notice.

21.1 These Terms are governed by the laws of the Federal Republic of Nigeria. Subject to any mandatory consumer right to approach a competent regulator or court, disputes relating to the Platform should first be raised through the BridgeX complaints process so the parties have a reasonable opportunity to resolve them.

21.2 Where a dispute is not resolved through the complaints process, the courts of competent jurisdiction in Nigeria shall have jurisdiction. Nothing in this clause removes a consumer’s statutory rights or the jurisdiction of a competent regulator or tribunal.

22.1 If any provision is unlawful or unenforceable, it will be modified or severed only to the minimum extent necessary, without affecting the remaining provisions. 22.2 A failure or delay to enforce a right is not a waiver. You may not assign your account or these Terms without BridgeX’s written consent, while BridgeX may transfer its rights and obligations as part of a lawful corporate reorganisation, financing or transfer of the Platform, subject to applicable law and notice requirements.

General support and complaints: info@bridgexng.com, +234801235299