Terms of Use

1. INTRODUCTION

Tango Brook Technologies ("Tango" or"we") is a company duly incorporated under the laws of the Federal Republic of Nigeria.

For the purposes of these Terms of Use, "Tango Devices" means any hardware, dongles, sensors, or related equipment issued, supplied, approved, or designated by Tango for use in connection with the Platform and the Services, including but not limited to generator fuel monitoring dongles and vehicle fuel monitoring do ngles, together with any associated firmware, software, connectivity modules, or identifiers.

2. POLICY APPLICATION

Subject to the provisions of the Termination Clause , these Terms of Use remain in effect until you discontinue your use of the Services/access to the Platform and all financial obligations with regard to your use of the Services have been fulfilled. Save for those obligations that reasonably survive termination.

Tango reserves the right to amend, modify, or update any part of these Terms of Use from time to time. Where such changes are material or affect users’ rights or obligations, Tango shall provide reasonable notice to users through appropriate channels, including the Platform or electronic communication. Any amendments shall become effective on the date stated in the notice or, where no date is specified, within four (4) days of publication on the Platform. Continued use of the Platform after the effective date shall constitute acceptance of the updated Terms.

We suggest that you review these Terms of Use periodically for such changes and/or modifications. You acknowledge that by accessing our Platform and using the Services after such change/modifications, you agree to these terms as modified.

If you do not agree with these Terms of Use, please do not proceed with utilizing the Platform and our Services. Please note that if you are an existing User , these Terms of Use will apply in addition to those contained in any agreement entered into between Tango and third parties in relation to provision of the Services. These Terms shall govern your use of the Platform and Services and shall prevail over any conflicting terms in any other agreement, document, or communication unless a separately executed written agreement signed by an authorized officer of Tango expressly states that it overrides specific provisions of these Terms and identifies those provisions with particularity.

3. CONSENT TO DATA PROCESSING AND COMMUNICATIONS

By accessing or using the Platform, Tango Fuel Card, Tango Devices, and/or Services, you expressly and voluntarily consent to the collection, use, storage, disclosure, and other processing of your personal data in accordance with these Terms of Use, our Privacy Policy , and Applicable Law, including the Nigeria Data Protection Act, 2023 (NDPA) and the Nigeria Data Protection Act General Application and Implementation Directive (2025) . You acknowledge that this consent is informed, specific, freely given, and unambiguous, and is provided through a clear affirmative action, including but not limited to creating an account, ticking an acceptance box, or using the Services. You consent to Tango processing your personal data for purposes including account creation, identity verification, transaction processing, device functionality, analytics, fraud prevention, customer support, regulatory compliance, and service improvement.

Where required, you also consent to Tango sharing your personal data with third - party service providers, payment processors, financial institutions, technology partners, and regulatory authorities on a need - to - know basis and in accordance with our Privacy Policy . You understand that you have the right to withdraw your consent at any time, subject to legal or contractual restrictions, and that withdrawal of consent may affect your ability to use the Services. Where you provide personal data relating to emplo yees, drivers, agents, or third parties, you represent and warrant that you have obtained all necessary consents, approvals, and lawful authority to provide such data to Tango and to permit its processing in accordance with our Terms of Use and Privacy Policy.

4. PURPOSE

These Terms of Use set out the terms and conditions under which Tango will provide the Services to its Users and under which they may access the Platform.

In order to operate and make available the Services and utilize the Platform, Tango collects, uses and discloses certain personal information about you. Tango collects, uses, discloses and protects that information as described in our privacy policy, and which is hereby incorporated into these Terms of Use.

Where applicable, and without prejudice to Tango’s status as a technology service provider, Tango may, in line with the Central Bank of Nigeria’s Open Banking Regulatory Framework, access or exchange data through duly licensed third - party service providers , strictly on the basis of the User’s explicit consent obtained by such third - party service providers, and solely for the purpose of providing the Services.

Please read the privacy policy carefully before accessing the Platform or using the Services.

5. ACCESS

To use certain features of the Tango platform, you must register and create a User Account. During registration, you will be required to choose a password, which will be necessary for accessing your account. Tango implements physical, electronic, and procedural security measures in line with regulatory standards to protect Users’ nonpublic personal information in line with ISO 27001: 2022 standard (see Privacy Policy). You are responsible for safeguarding your password and other account credentials.

To use certain features of the Tango platform, you must register and create a User Account. During registration, you will be required to choose a password, which will be necessary for accessing your account. Tango implements physical, electronic, and procedural security measures in line with regulatory standards to protect Users’ nonpublic personal information in line with ISO 27001: 2022 standard (see Privacy Policy). You are responsible for safeguarding your password and other account credentials.

You agree not to share your password or account access credentials with any third party and to take all reasonable steps to keep your User Account secure. You acknowledge that you are solely responsible for maintaining the confidentiality of your account credentials and for any activities conducted through your User Account, whether or not such activities were authorized by you.

By creating an account, you confirm that the information provided is true, accurate, current, and complete. You further agree to update this information as necessary to maintain its accuracy. You acknowledge that you are responsible for ensuring that any personal data you submit does not infringe the rights of any third party and is provided in compliance with applicable data protection laws. You further agree not to submit false, misleading, excessive, or unlawful personal data and to take reasonable steps to protect the confidentiality and security of your account information and personal data submitted through the Platform.

6. ELIGIBILITY TO USE OUR SERVICES

You may access and use the Platform only if you are legally capable of entering into a binding contract with Tango under the applicable laws of the Federal republic of Nigeria and are not prohibited from receiving such services under the laws of your applicable jurisdiction.

If you are using the Platform on behalf of a company, business, or organization, you represent and warrant that you have the full legal capacity, authority, and all necessary corporate approvals to bind the entity to these Terms and that such entity shall be fully responsible for compliance with these Terms.

Our Platform and Services are intended solely for individuals aged eighteen (18) years and above, being the age of contractual capacity under Nigerian law. By accessing or using the Platform, you represent and warrant that you meet this age requirement. If you are under 18, you are not permitted to access or use the Platform or the Services. Ta ngo does not knowingly collect personal data from, or provide services to, individuals below this age threshold and shall not be liable for any misrepresentation of age by a User.

7. PERMITTED USES ("DOS")

By using the Tango Fuel Card , GenVault and / or our Platform , you agree to:

8. PROHIBITED USES ('DON'TS')

You agree not to , directly or indirectly:

9. TANGO DEVICES

Tango Devices may be installed on vehicles and on generator fuel tanks (including residual or auxiliary tanks) designated by you for the purpose of monitoring fuel usage, vehicle movement, and related operational data. Tango will exercise reasonable care d uring installation and support to ensure proper device placement and functionality.

You acknowledge that all vehicles, generators, fuel tanks, and related equipment on which Tango Devices are installed remain under your ownership, custody, control, and maintenance at all times. Except where any loss or damage is directly caused by Tango’s proven gross negligence or wilful misconduct, Tango shall not be responsible for mechanical issues, fuel system faults, engine performance issues, electrical faults, leaks, downtime, or any other damage or loss relating to such vehicles, generators, or tanks arising from the installation, use, operation, or removal of Tango Devices.

You are responsible for maintaining your vehicles, generators, and fuel tanks in a safe and roadworthy or operational condition, as applicable.

Tango Devices are designed and installed in accordance with applicable technical standards and are intended to operate safely when used as instructed. You acknowledge, however, that vehicles, generators, and fuel tanks (including residual or auxiliary tanks) involve inherent operational, mechanical, and fuel - related risks that are independent of the Tango Devices and outside Tango’s control. To the fullest extent permitted by applicable law, Tango shall not be liable for any death, bodily injury, loss of li fe, fire, explosion, environmental damage, or property damage arising from the operation, condition, maintenance, misuse, or failure of any vehicle, generator, or fuel tank on which Tango Devices are installed, except where such loss or damage is directly caused by Tango’s proven gross negligence or wilful misconduct. Tango does not operate, control, maintain, or supervise your vehicles, generators, or fuel tanks and does not assume the role of a safety inspector, or risk assessor in relation to such equipment. You remain responsible for ensuring compliance with all applicable safety, engineering, fire prevention, and fuel - handling standards, and for maintaining appropriate insurance coverage for your operations and equipment.

Tango Devices are provided with a limited warranty of one (1) year from the date of installation, covering defects in materials and workmanship under normal use (“ Warranty Period ”). During the Warranty Period, Tango will, at its discretion, repair or replace a defective Tango Device at no additional cost, provided that the defect is not caused by misuse, tampering, unauthorized modification, improper installation by unauthorized persons, accidents, power surges, environmental conditions, or use contrary to Tango’s instructions.

This warranty applies strictly to the Tango Device itself and does not extend to any vehicle, generator, fuel tank, engine component, electrical system, fuel system, or any associated or ancillary equipment. Except as expressly stated in this clause, Tango Devices are provided on an “as is” and “as available” basis, and Tango gives no additional warranties, representations, or guarantees beyond those required by applicable law.

10. LOCATION TRACKING

You expressly acknowledge , consent and agree that Tango Devices may collect, process, store, and transmit your location data, movement data, fuel usage data, and related telematics information in connection with the Services. Such data relates to the vehicle or equipment on which the Tango Devices are installed and may, by its nature, reveal location patterns assoc iated with such vehicles or equipment.

You represent, warrant, and undertake that you have obtained all lawful authority, consents, notices, approvals, and permissions required under applicable law to install, operate, and use Tango Devices and to permit the collection, processing, and use of s uch data, including from vehicle owners, operators, employees, drivers, contractors, or any other affected third parties. Tango shall have no obligation to verify the existence, validity, or sufficiency of such consents or authorizations and shall be entit led to rely entirely on your representations in this regard.

To the fullest extent permitted by applicable law, Tango shall not be liable for any claims, complaints, losses, damages, regulatory actions, penalties, or disputes arising from or relating to the collection or use of location or telematics data through Ta ngo Devices, or your failure to obtain required consents, provide required notices, or comply with applicable data protection, employment, or surveillance laws.

You agree to indemnify and hold harmless Tango, its directors, officers, employees, and partners from and against any claims, liabilities, damages, costs, fines, or expenses (including reasonable legal fees) arising from your use of Tango Devices or any allegation that such use infringes the rights or privacy of any third party.

You further acknowledge that data generated by Tango Devices is provided on an “as is” and “as available” basis and that Tango does not guarantee the accuracy, completeness, continuity, or real - time availability of any location or fuel monitoring data

11. CHARGES

By using the Tango Fuel Card , Tango Devices and /or the Platform, you agree that fees, charges, service charges, levies, and costs may apply in connection with the issuance, activation, operation, use, maintenance, replacement, support, and administration of the card, devices, and associated Services. These charges may include, without limitation, transaction fees, service charges, usage - based fees, annual or recurring fees, device - related fees, account management fees, regulatory or third - party processing fees, and other applicable administrative or operational costs, as determined by Tango from time to time.

Please note that you are responsible for ensuring that your account has sufficient funds to enable transactions and access to the services provided by Tango . Tango may deduct applicable fees automatically from your tango wallet where necessary and will communicate applicable fees, charges, or deductions through the Platform, billing statements, pricing pages, or other appropriate channels.

Tango reserves the right, at its discretion, to revise, update, vary, suspend, or introduce new fees or charging structures, including transaction - based fees, usage fees, service charges, annual fees, subscription fees, or device - related fees, at any time. N otice of such changes shall be provided through the Platform or other reasonable communication channels. Continued use of the Tango Fuel Card, Tango Devices, and/or the Platform after the effective date of any such change constitutes acceptance of the revised charges, to the fullest extent permitted by applicable law.

12. SUBSCRIPTION FEES

Access to certain features, functionalities, devices, or Services may require payment of subscription fees, recurring service charges, usage - based fees, device management fees, platform access fees, or other applicable charges (collectively, “ Subscription Fees ”). By subscribing to any paid Service, you agree to pay all applicable fees in the amounts, frequency, and currency specified on the Platform.

You authorize Tango to automatically charge, debit, or deduct all applicable Subscription Fees and related charges from your wallet balance, designated payment method, or linked funding source without further notice to you . You agree to maintain sufficient funds to cover all charges when due. Unless otherwise stated, subscriptions are billed on a recurring basis (monthly, annually, or such other interval as specified). Subscriptions shall automatically renew at the end of each billing cycle unless cancelled in accordance with these Terms.

Tango reserves the right to revise, update, introduce, or modify Subscription Fees, pricing structures, billing cycles, or charge models at any time. Where such changes affect existing subscribers, Tango shall provide reasonable notice through the Platform or electronic communication. Continued use of the Services after the effective date of any change constitutes acceptance of the revised fees.

All Subscription Fees are exclusive of taxes, levies, duties, bank charges, payment processor fees, regulatory fees, or other third - party charges unless expressly stated otherwise. You are solely responsible for any such applicable charges. If any Subscription Fee is overdue, declined, reversed, or unpaid for any reason, Tango reserves the right, without liability and without prior notice, to suspend or restrict access to Services , disable devices or platform functionality , block transactions, downgrade your account;

Subscription Fees are non - refundable . Termination, suspension, partial use, or non - use of the Services shall not entitle you to any refund, credit, or prorated adjustment. You may request upgrades or downgrades of subscription plans where permitted on the Platform. Any change may take effect immediately or at the next billing cycle, at Tango’s discretion. Fees for upgraded plans may be charged immediately, while downgrades m ay take effect only after the current billing period expires. Any dispute relating t o Subscription Fees must be submitted in accordance with the dispute provisions of these Terms.

14. REFUNDS AND REVERSALS

All requests for refunds, reversals, or returns of funds loaded and unspent in your Tango wallet must be submitted formally in writing to Tango through the designated support channel or official email address, together with full supporting documentation, transaction details, proof of payment, identification information, and any additional materials reasonably required by Tango for verification purposes. Tango shall have no obligation to process or consider any refund request that is incomplete, inaccurate, unsupported, illegible, inconsistent, or submitted through unofficial channels.

Refund requests must be submitted within ten ( 10 ) Business Days from the date of the transaction giving rise to the request. Any request submitted after this period may be declined at Tango’s sole discretion, except where otherwise required under Applicable Law.

Upon receipt of a valid request, Tango shall conduct a review, compliance assessment, and verification process, which may include internal investigation, third - party confirmations, reconciliation with partner financial institutions, fraud screening, regula tory checks, and transaction authentication procedures. You agree to fully cooperate with any such investigation and to promptly provide any further information requested. Failure to cooperate or delay in providing requested information may result in suspe nsion, rejection, or closure of the request.

All refund assessments shall be subject to a mandatory administrative review period of up to fourteen (14) Business Days from the date Tango confirms receipt of a complete request. This review period may be extended where:

You acknowledge and agree that refund processing timelines are estimates only and may be extended without notice where reasonably necessary for investigation, regulatory compliance, system reconciliation, or operational review.

Submission of a refund request does not create any entitlement to a refund. Refunds may be granted or refused at Tango’s discretion, subject to Applicable Law, partner institution rules, payment network requirements, and internal compliance determinations. Tango shall not be liable for any loss, delay, or inconvenience arising from refusal of a refund request where such refusal is reasonably justified.

Without limiting Tango’s rights, refunds may be refused where:

Tango reserves the right to deduct reasonable administrative, processing, investigation, or third - party charges from any approved refund where permitted by Applicable Law. All refund determinations made by Tango following completion of its review process shall be final, subject only to rights expressly required under Applicable Law.

15. RESTRICTION, FREEZING, AND FORFEITURE OF FUNDS

Where Tango reasonably suspects that any funds credited to or held in a User’s account are derived from unlawful, prohibited, or suspicious activities, or where required by Applicable Law, regulatory directives, or court orders, Tango may restrict, suspend , freeze, or block access to such funds and related accounts pending investigation. Tango may also decline, reverse, or delay transactions where necessary to comply with Applicable Law, anti - money laundering obligations, counter - terrorism financing requirements, or regulatory directives.

You acknowledge that Tango may be required to report suspicious transactions or activities to relevant regulatory or law - enforcement authorities and may take such actions without prior notice where legally required. Where funds are determined by a competent authority to be proceeds of unlawful activity, Tango may retain, remit, or otherwise deal with such funds in accordance with Applicable Law and lawful instructions, without liability to you. Tango shall not be liable for any loss, delay, or inconvenience arising from the restriction or freezing of funds under this clause.

16. LOSS, THEFT, OR UNAUTHORIZED USE OF CARD

You are solely responsible for safeguarding your Tango Fuel Card, account credentials, and any authentication information associated with your account. If your card is lost, stolen, misplaced, compromised, or suspected to be used without authorization, you must immediately block or disable the card using the Platform or any designated self - service control provided by Tango. You acknowledge that the ability to block or deactivate your card is available directly through the Platform and that it is your responsibility to take prompt action to prevent unauthorized transactions. Tango shall not be responsible for blocking a card on your behalf unless expressly required by Applicable Law. Tango shall not be liable for any loss, unauthorized transaction, misuse, or damage arising from or relating to your failure or delay in blocking your card after it is lost, stolen, compromised, or accessed by an unauthorized person. All transactions carried out prior to successful card blocking shall be deemed authorized by you .

Tango reserves the right, but not the obligation, to suspend, restrict, or block any card or account where it reasonably suspects fraud, compromise, unauthorized activity, or security risk. Tango shall not be liable for any loss, inconvenience, or damages resulting from any preventive or security action taken in good faith to protect your account, funds, or the integrity of the Platform.

17. LIMITATION OF USE

The Tango Fuel Card is strictly limited to the purchase of fuel at authorized fueling stations within the Federal Republic of Nigeria. The card may not be used for any other transactions, including but not limited to cash withdrawals, purchases outside fue ling stations, or transactions outside the Federal Republic of Nigeria. Any unauthorized use of the card may result in suspension or termination of the account without prior notice. Tango reserves the right to take appropriate legal action in cases of misu se or fraudulent activity.

18. ALERTS, NOTIFICATIONS AND SERVICE COMMUNICATIONS

By creating a Tango Fuel Card Account, you expressly consent to receive various types of alerts, notifications, and communications, including email, SMS, in - app, push, and other electronic notifications, relating to your account activity, transactions, security, Tango Devices, service updates, and operational notices. You may customize , modify, or deactivate certain non - essential notifications by adjusting your account settings when logged in. However, you acknowledge that certain service - critical communications, including security ale rts, transaction confirmations, device status notifications, regulatory notices, and compliance - related communications, are mandatory and cannot be disabled. While Tango will never include your password, PIN, or full authentication credentials in its communications, we may include your name, partial account identifiers, device - related alerts, or other limited information reasonably necessary for service deliver y. You acknowledge that anyone with access to your registered email address or mobile device may v iew such communications, and Tango shall not be responsible for any unauthorized access resulting from your failure to secure your devices or communication channels.

You may unsubscribe from marketing or promotional communications at any time by adjusting your preferences in your account settings or through any unsubscribe mechanism provided in such communications. Unsubscribing from marketing communications does not a ffect your receipt of mandatory service - related notifications

19. UPDATES

Tango reserves the right to update, revise, or modify these Terms of Use rom time to time by posting the latest version on the Platform or through Tango’s official channels. Except where required by applicable law, changes will not be applied retroactively, and the most current version of the Terms will govern your use of the Tango Fuel Card , Tango Devices, and the Platform.

Where any amendment is material or affects users’ rights or obligations, Tango will make reasonable efforts to notify you , which may include email notifications or in - app alerts , dashboard notices, or other appropriate electronic communications.

The effective date of any amendment will be stated in the notice or on the Platform, and where no date is specified, such amendment shall take effect within four (4) days of publication.

By continuing to use the Tango Fuel Card, Tango Devices, or the Platform after any updates take effect, you acknowledge that you have reviewed and accepted the revised Terms. If you do not accept the updated Terms, you must discontinue use of the affected Services and the Platform.

20. LIMITATION OF LIABILITY

To the fullest extent permitted by applicable law, Tango aims to provide reliable and secure Services, but you acknowledge that the Platform, Tango Fuel Card, and Tango Devices are provided to support operational monitoring and convenience, not as guarantees or assurances of outcomes.

Accordingly, Tango, its officers, directors, employees, contractors, or agents will not be liable for indirect, incidental, special, punitive, or consequential damages, including but not limited to loss of profits, loss of business opportunities, loss of d ata, or business interruption, arising from your use of the Platform, Tango Fuel Card, Tango Devices, or related Services, even if Tango has been advised of the possibility of such damages.

Tango is not responsible for losses or issues resulting from factors outside its reasonable control, including service interruptions, third - party service failures, fuel station operations, network connectivity issues, or inaccuracies arising from user - supplied information or device limitations. Nothing in these Terms limits or excludes Tango’s liability for losses directly caused by Tango’s proven gross negligence or willful misconduct, or for any liability that cannot be excluded under applicable law.

To the fullest extent permitted by applicable law, Tango’s total aggregate liability arising out of or relating to these Terms or the Services shall not exceed the higher of (a) the total fees paid by you to Tango in the three (3) months preceding the event giving rise to liability, or (b) ₦ 1,000,000.00 (One Million Naira). This limitation applies regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise, and shall survive termination of these Terms.

21. INDEMNITY

You agree to reasonably indemnify and hold harmless Tango, its officers, employees, affiliates, contractors, and agents, from and against any direct losses, damages, liabilities, costs, or expenses (including reasonable legal fees) arising from or relating to:

a. Your material breach of any provision of these Terms of Use;

b. Any claim that your actions, content, data, or use of the Services infringe or violate the intellectual property, privacy, or other legal rights of a third party;

c. Your misuse, unauthorised use, or unlawful use of the Tango Fuel Card, Tango Devices, or the Platform, including use contrary to these Terms or applicable law.

This indemnity applies only to the extent that the relevant loss or claim arises from your acts or omissions and does not apply where such loss is directly caused by Tango’s gross negligence or willful misconduct. The obligations under this clause shall survive the suspension or termination of your use of the Platform or Services to the extent necessary to resolve any outstanding claims.

22. CONFIDENTIALITY

All information and documents obtained by Tango or its employees, consultants or agents which are not published or otherwise publicly available shall be kept confidential and not disclosed to third parties or the public. This restriction shall not apply to any information disclosed to legal advisers, or to a third party to the extent that this is deemed by Tango as required, by any court of competent jurisdiction, or by a governmental or regulatory authority in Nigeria. This clause shall survive termination of these Terms of Use.

23. INTELLECTUAL PROPERTY

All intellectual property rights in and to the Platform, Tango Devices, Services, software, source code, object code, APIs, databases, architecture, system design, algorithms, models, tools, interfaces, dashboards, firmware, documentation, designs, layouts , trade dress, trademarks, trade names, logos, text, graphics, animation, audio, video, compilations, data structures, processes, workflows, and all related materials or content (collectively, the “ Tango IP ”) are and shall remain the exclusive property of Tango, its affiliates, licensors, or partners, and are protected by applicable intellectual property, copyright, trademark, trade secret, and proprietary rights laws.

Except for the limited right to access and use the Platform and Services in accordance with these Terms, nothing in these Terms grants you any license, right, title, or interest in or to any Tango IP, whether by implication, estoppel, or otherwise.

You shall not, directly or indirectly c opy, reproduce, distribute, republish, display, or transmit any Tango IP ; reverse engineer, decompile, disassemble, decode, adapt, or attempt to derive source code from any software or system; modify, translate, adapt, or create derivative works; scrape, crawl, extract, harvest, or mine data from the Platform; bypass or circumvent security or technical protections; build competing products or services using the Platform or Tango IP; use any Tango IP to train machine learning or artificial intelligence syste ms; remove or alter proprietary notices; or use Tango trademarks, branding, or trade dress without prior written consent.

Any unauthorized use of Tango IP constitutes a material breach of these Terms and may result in immediate suspension or termination of access, legal action, injunctive relief, damages, and any other remedies available under Applicable Law.

24. USER FEEDBACK AND TESTIMONIALS

From time to time, Tango may invite Users to provide feedback, testimonials, or endorsements regarding our Services and Platform. This may involve the use of your images, biographical information, recordings, video/audio clips, or other materials (collecti vely, the "Material").

By providing such Material, you acknowledge and agree that:

You waive any entitlement to royalties, compensation, or future claims related to the use of the Material.

By participating in providing feedback or testimonials, you confirm that you are fully informed of all rights described above, and that such participation is voluntary and made without expectation of payment or consideration.

25. THIRD PARTY WEBSITES

The Platform may contain links to, integrations with, or connections to third - party websites, applications, application programming interfaces (APIs), platforms, or services that are not owned or controlled by Tango, including payment processors, financial institutions, fuel merchants, technology providers, data service providers, installers, and other third - party partners. Such links or integrations are provided solely to enable functionality, service delivery, and operational efficiency.

Tango does not control, operate, or assume responsibility for the availability, security, performance, or content of any third - party websites or services, and the inclusion of any link or integration does not by itself constitute an endorsement, partnership, or representation of regulatory approval by Tango.

In order to operate the Platform and provide the Services, Tango may share limited and relevant data with third - party service providers, including account information, transaction data, device - generated data, fuel usage data, and operational data, strictly on a need - to - know basis and for purposes such as payment processing, service delivery, device functionality, analytics, fraud prevention, customer support, system integration, or regulatory compliance. Where data is shared with licensed financial institutions, payment service providers, or API partners operating under regulatory frameworks, such third parties are responsible for obtaining and managing any regulatory consents required for their services and for complying with their own legal and regulatory obligations. Tango acts solely as a technology platform and does not provide banking or regulated financial services unless expressly stated otherwise.

Any data shared with third parties is shared subject to contractual confidentiality, security, and data - protection obligations consistent with applicable data protection laws and Tango’s Privacy Policy. Tango shall not be liable for any loss, damage, delay, data breach, or dispute arising solely from the acts or omissions of third - party websites, services, or integrations, except to the extent required by applicable law. Your access to and use of any third - party website or service are governed exclusively b y that third party’s terms and conditions and privacy policies, and you are encouraged to review them carefully before engaging with such services.

26. COOKIES

Tango may use cookies and similar tracking technologies to enhance your user experience, recognize login credentials, track website traffic, and analyze usage patterns. These technologies help us improve our platform by providing insights into user interactions and preferences.

Most web browsers automatically accept cookies, but you may modify your browser settings to decline or receive notifications when a website attempts to place a cookie on your device. However, disabling cookies may affect your ability to access certain features of our services

27. DATA PRIVACY & PROTECTION

Tango is committed to safeguarding your privacy and ensuring the lawful, fair, and transparent processing of personal data in compliance with applicable data protection laws, including the Nigeria Data Protection Act, 2023 (NDPA) and other related Data Protection laws and regulations . Personal data collected, processed, or stored in connection with the Platform, Tango Fuel Card, Tango Devices, and related Services is handled using appropriate technical and organizational security measures.

Tango may collect and process personal data, operational data, and device - generated data for purposes including service delivery, account management, transaction processing, device functionality, fraud prevention, analytics, customer support, and regulator y compliance, in accordance with the NDPA and our Privacy Notice.

Where the Platform interfaces with third - party services, APIs, payment processors, or licensed financial institutions, limited data may be shared strictly on a need - to - know basis and subject to confidentiality and data - protection obligations, as further de scribed in our Privacy Notice.

By accessing or using the Platform and Services, you acknowledge that your personal data will be processed in accordance with our Privacy Notice and applicable law. Where consent is required under the NDPA, such consent will be obtained or managed in accor dance with the Privacy Notice or by the relevant third - party service provider, as applicable.

For more information on how we collect, use, share, store, and protect personal data, including your rights as a data subject, please review our Privacy Notice, which forms part of these Terms of Use.

28. ANTI-MONEY LAUNDERING

You represent and warrant that, to the best of your knowledge and belief (having made reasonable and proper enquiries), all funds paid or to be paid to Tango are derived from lawful sources and are not connected with any activity that is illegal or prohibited under applicable anti - money laundering, counter - terrorism financing, or other Applicable Laws. You further warrant that no transaction carried out by you through the Platform or Services shall cause Tango to be in breach of Applicable Law. You agree to promptly notify Tango if any of the above representations cease to be true or accurate.

Where Tango reasonably determines that any representation made under this clause is false or misleading, or that the Platform or Services are being used for suspicious, unlawful, or prohibited activities, Tango reserves the right to take appropriate action , including suspending or restricting access to the Platform, terminating Services, declining or reversing transactions where permitted by law, and conducting internal reviews. You acknowledge that Tango may be required under Applicable Law, regulatory obl igations, or directives from competent authorities or institutions to monitor transactions and to report suspicious activities to relevant regulatory or law - enforcement authorities, without prior notice to you.

You agree to indemnify Tango against any direct losses, damages, penalties, costs, or expenses (including reasonable legal fees) incurred as a result of your breach of this clause or your involvement in unlawful or prohibited activities .

29. FORCE MAJEURE

Tango shall not be liable for any failure, delay, interruption, defect, or degradation in the availability, performance, or delivery of the Platform, Services, Tango Devices, or any related functionality where such failure or delay results, directly or ind irectly, from any event or circumstance beyond Tango’s reasonable control (“ Force Majeure Event ”).

Force Majeure Events include, without limitation: acts of God; natural disasters; extreme weather; fire; flood; explosion; epidemic or pandemic; war; terrorism; civil unrest; riots; strikes or labor disputes; power failures; telecommunications failures; in ternet disruptions; cyber incidents; system or infrastructure failures; supply chain disruptions; acts or omissions of third - party service providers; governmental or regulatory actions; sanctions; embargoes; court orders; changes in law; or any event that renders performance commercially impracticable or technically infeasible.

Upon the occurrence of a Force Majeure Event, Tango’s obligations affected by such event shall be automatically suspended for the duration of the Force Majeure Event and for a reasonable period thereafter required for system restoration, stabilization, and operational recovery. Tango shall use reasonable efforts to mitigate the impact of the Force Majeure Event and resume affected Services as soon as reasonably practicable, provided that nothing in this clause shall require Tango to settle any labor dispute , litigation, or regulatory proceeding or to incur unreasonable expenditure or liability. A Force Majeure Event shall not constitute a breach of these Terms and shall not give rise to any right of termination, compensation, damages, or other remedy against Tango arising solely from such event.

30. REPRESENTATION AND WARRANTIES

By accessing the Tango Platform or using its Services, you represent and warrant that:

31. DISPUTE RESOLUTION

Tango is committed to resolving disputes efficiently and professionally. Any dispute, controversy, claim, or disagreement arising out of or in connection with these Terms of Use, the Platform, Tango Fuel Card, Tango Devices, or Services (including their interpretation or validity) shall first be addressed through good - faith discussions between you and Tango. Either party may notify the other of the existence of a dispute, and the parties shall use reasonable endeavors to resolve the dispute amicably within sixty ( 6 0 ) days of such notice.

Where the dispute is not resolved within the sixty ( 60 ) - day period, the dispute shall be referred to and finally resolved by binding and confidential arbitration, in accordance with the Arbitration and Mediation Act, 2023 (as amended or repealed from time to time). For the purposes of this clause, “Tango” includes its affiliates, subsidiaries, successors, assigns, directors, officers, employees, agents, contractors, and any third - party service providers or technology partners involved in providing the Services.

The arbitration shall be conducted by a sole arbitrator mutually agreed by the parties within fourteen (14) Business Days of the referral to arbitration. The seat and venue of arbitration shall be Lagos State, Nigeria, and the proceedings shall be conducted in the English language. The arbitral award shall be final and binding on the parties.

The arbitration proceedings shall be confidential, and neither party shall disclose the existence, content, or outcome of the arbitration except where required by applicable law . Each party shall bear its own legal costs and expenses, unless the arbitrator determines otherwise in accordance with applicable law.

Nothing in this clause shall prevent either party from seeking interim, conservatory, or injunctive relief from a court of competent jurisdiction where necessary to preserve rights or prevent irreparable harm, provided such action is taken in support of arbitration and kept confidential . This dispute resolution clause shall survive the suspension or termination of your Tango account or cessation of the Services. If any part of this clause is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

32. TERMINATION

Tango reserves the right to terminate, suspend, or restrict your access to the Services at any time without prior notice, without limitation to the following circumstances:

Tango shall cooperate with law enforcement agencies, regulators, or courts of competent jurisdiction and may disclose relevant user information where required by Applicable Law or lawful order.

Termination, suspension, or restriction of access shall not affect any accrued rights, outstanding obligations, payment liabilities, indemnities, or provisions which by their nature are intended to survive termination, including dispute resolution, limitat ion of liability, and indemnity clauses , due to Tango 

You may terminate your relationship with Tango at any time by discontinuing use of the Services .

33. LANGUAGE

These Terms of Use, along with all communications, notices, and legal agreements between Tango and you, shall be in English. Any translations provided are for convenience only and shall not be legally binding. In the event of any inconsistency between the English version and a translated version, the English version shall prevail.

34. ENTIRE AGREEMENT & SEVERABILITY

These Terms of Use, together with the Privacy Policy and any additional terms, policies, or documents expressly incorporated by reference, constitute the entire agreement between you and Tango regarding your access to and use of the Platform and Services, and supersede all prior or contemporaneous agreements, communications, representations, or understandings, whether oral, written, or electronic, relating to the subject matter herein.

Notwithstanding the foregoing, where you have entered into a separate written agreement executed by Tango governing specific Services, that agreement shall prevail to the extent of any conflict or inconsistency with these Terms.

If any provision of these Terms is determined by a court or tribunal of competent jurisdiction to be invalid, unlawful, or unenforceable, such provision shall be modified or severed to the minimum extent necessary to render it valid and enforceable, and th e remaining provisions shall continue in full force and effect.

36. DISCLAIMERS

The content provided on the platform, may contain inaccuracies, omissions, or typographical errors. While Tango strives to keep information up to date, we make no commitment to regularly update content or ensure that the platform will always be uninterrupt ed, error - free, or compatible with all devices, software, or hardware. We do not guarantee that the Tango platform is free from viruses, malware, or other security vulnerabilities.

Tango makes reasonable efforts to maintain the availability and functionality of its services. However, users acknowledge that service availability may be affected by factors beyond our control, such as network issues, high traffic, technical failures, or maintenance requirements. As a result, Tango shall not be held liable for any damages , whether direct, indirect, incidental, or consequential , arising from an inability to access the platform, service interruptions, delays, or any loss of data or content.

Tango reserves the right to modify, suspend, or discontinue any aspect of the platform, temporarily or permanently, with or without prior notice, for maintenance, upgrades, or any other reason.

Any information, advice, or opinions provided on the platform should not be considered a substitute for professional financial, legal, or technical advice. Users should seek appropriate professional guidance tailored to their specific needs before making any decisions.

37. GOVERNING LAW

These Terms shall be governed and interpreted in accordance with the laws of the Federal Republic of Nigeria.

38. MISCELLANEOUS

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The failure of either party to enforce any right or provision under these Terms shall not be deemed a waiver of such right or provision. You may not assign, transfer, or delegate your rights or obligations under these Terms of Use (whether by operation of law or otherwise) without the prior written consent of Tango. Any unauthorized assignment shall be considered null and void.

Tango, however, reserves the right to assign these Terms of Use or any rights arising under them without requiring your consent. The parties acknowledge that their relationship under these Terms is strictly that of independent contractors, and nothing here in shall be construed to create an agency, employment, or joint venture between the parties.

If you choose to become a User, your relationship with Tango will be governed by these Terms of Use.