Terms of Service

Koya (also referred to as our “Company” “we”, “us”, “the website” and “the app”) provides these terms and conditions to its customers (also referred to here as “users”, “you”, and “website visitors”) with the understanding that use of its services constitutes an agreement (the “Agreement”) to be bound by these terms. Both Koya’s website and its application fall under the terms stated in this Agreement, as well as any add-on software or services provided by our Company or third-party providers. This is an agreement between you and our Company only (the “License Agreement”). Your use of the features on the app is subject to the Privacy Policy and User Agreement found at www.koya.co

Using Our App

Our Company provides its application through the URL www.koya.co. Byvisiting the website, a customer can download the app from the app-store,view billing information and manage subscription features. A user will serveunder functions such as administrators, trainers, learners and users alongwith other roles to be defined by the administrator.

Our Company grants you the right to use this application only for yourpersonal use on the mobile device that you own or control as permitted byany terms of use required by the party providing the app store from whichyou are downloading this application.

By using our app, you agree to provide only information that is accurate tothe best of your knowledge. You also agree to update that information as itchanges. You will also accept responsibility for creating and safeguarding apassword that keeps your account information secure.You also agree to risk that are attached to the use of an online data collectionsystems and accept full responsibility to any account breaches that mayoccur as a result.

You may not modify, copy, publish, license or sell, re-engineer or otherwisecommercialize this Application or any information or software associated withthis Application. You must regularly check for and if available, update theApplication software.

You must comply with applicable third-party terms of agreement when usingthis Application (e.g. your wireless data service agreement or third-partyservices you rely on to use this application) and any third-party in-app service provider.

You must use the Application in compliance with all applicable laws andregulations of the Federal Republic of Nigeria.

Your access to the use of the Application and the Services will be solely atthe discretion of our Company.

Your right to use this Application will terminate immediately if you violate anyprovision of this License Agreement. Our Company reserves the right to blockaccess to your use of this Application as your use of the website and the appis solely at the discretion of our Company.

Limitation of Liability

Except as otherwise stated in this License Agreement, our Company is notliable for any harm resulting from any use or misuse of this Application.

Such limitation of liability includes direct, indirect, incidental, consequential,special, exemplary, and punitive damages whether such claim is based oncontract, tort or otherwise.

In the event an account error occurs due to the fault of the app, our liabilityshall be limited solely to actual loss which is proven to have arisen from our fault.

User Content

Users retain full ownership of the content they post within the app and onthe website. Our Company retains the right to utilize this information in orderto operate the site, including displaying usernames in forums and providinginformation to your own customers as requested by you.

By using the App, you grant the website and our Company a non-exclusive,royalty free, transferrable right to use, display, reproduce distribute, publish,modify, adapt, translate and create derivative works based on that content inthe manner in which our Company chooses to perform such activitiesperiodically. You also warrant that you own the content you post within theapp or that you have the right to post the content in the course of doing business.


By signing up as a subscriber of our Company’s services, you consent tohave your billing account automatically debited for the amount and term youchoose in account settings; and you unequivocally agree that the App shallonly allow you to transact with your funds held in its wallet save for any legalor business restrictions.


Purchase Advisory and IndemnificationOur Company assumes no liability or responsibility for any and alltransactions conducted through the App. Anytime, a user purchases productsor services that is not proprietary to us, they are doing so at their own risk.By signing up on the App, all users hereby agree in full that our Companyand all its subsidiaries, officers, directors, employees, owners, agents andaffiliates are released from any liability of losses Users may incur when usingthe App. Users completely indemnify our Company and hold harmless Koyaand its subsidiaries, officers, directors, shareholders, and employees fromany claim made by any third party (including your customers or the Appusers respectively).

User Agreement

When you access the App using a mobile device, we may collect and storesign-on data in connection with that device (including device ID) in order toprovide our service. You understand and agree that our Company will collectand process your personal data, including your identity a as part of thisservice. Your personal data will also be requested and processed, if you seekto register on our App. You agree to abide by and comply with the Koya’sUser Agreement and Privacy Policy in using this Application. You agree thatany registration information you give to use will always be true, accurate,correct, complete and up to date.

Your Information provided on the App or otherwise obtained from the systemwill not be used for any unauthorized and unlawful purpose.

You agree not to access (or attempt to access) any of the Services by anymeans other than through the interface that is provided by our Company,unless you have been specifically allowed to do so in a separate agreementwith us.

You agree that you will not engage in any activity that interferes with ordisrupts the Services (or the servers and networks which are connected tothe Services)

You agree that you are solely responsible for (and that our Company has noresponsibility to you or to any third party for) any breach of your obligationsunder the Terms and for the consequences (including any loss or damagewhich our Company may suffer) of any such breach.

You will not impersonate another person.

You agree to the use of your data in accordance with the App’s Privacy Policy.

All personal and contact information provided by you will be kept confidentialby our Company. This includes your personal information given in relation toyour account creation and subsequent administration.


As a User, you shall not use the products or services in connection with anyillegal or fraudulent business activities under any laws or regulations of anyapplicable jurisdiction.

Your agreement with Koya

We reserve the right to modify the terms of this Agreement at any timewithout giving you any prior notice. Your use of the Website and Appfollowing any such modification constitutes your agreement to follow and bebound by the modified terms. Any additional terms and conditions,disclaimers, privacy policies, applicable in general and/or to specific areas ofthis application or to particular service are also considered as part of thisAgreement.

Governing Law and Dispute Resolution

This Agreement is to be governed and construed in accordance with the lawsof the Federal Republic of Nigeria and all claims or disputes relating to theservice shall be resolved by litigation.