Coffer legal
These Terms govern your access to and use of the Coffer website, mobile application, products, and services.
Last updated: August 7, 2026
Welcome to Coffer.
These Terms and Conditions ("Terms") govern your access to and use of the Coffer website, mobile application, products, and services ("Services").
By accessing or using Coffer, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use our Services.
Coffer is a technology platform that helps individuals save towards personal goals, manage funds responsibly, and access financial services through regulated financial institutions and trusted partners.
Our Services may include:
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Coffer is not a licensed bank. Banking, payment processing, custody, and investment services are provided through licensed financial institutions and regulated partners.
To use Coffer, you must:
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We reserve the right to suspend or terminate accounts that do not meet these requirements.
When creating an account, you agree to:
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You are responsible for all activities carried out using your account.
To comply with Know Your Customer (KYC), Anti-Money Laundering (AML), and applicable financial regulations, Coffer may require identity verification before providing certain services.
Verification may include:
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Failure to complete verification may limit access to certain features.
Coffer provides tools that allow users to create and manage savings plans.
Available savings products may include:
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Savings may be held with licensed financial institution partners, depending on the product selected. Interest rates, returns, lock periods, withdrawal conditions, and product features may vary.
Where investment opportunities are made available, they are offered through licensed investment managers or regulated financial partners.
Investment products:
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Past performance does not guarantee future returns.
Where supported, Coffer enables users to:
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Payment services may be facilitated by licensed banks, payment providers, digital asset infrastructure providers, and other regulated partners. Processing times may vary depending on the selected payment method and destination.
Coffer ID provides users with a unique identity for accessing supported financial services across participating partners.
Availability of features may vary by country and partner.
Additional verification may be required before accessing certain services.
Certain Services may attract fees.
Applicable fees will be disclosed before transactions are completed.
Coffer reserves the right to modify fees at any time, subject to applicable laws and reasonable notice where required.
You agree not to:
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Violation of these Terms may result in account suspension or termination.
Coffer actively monitors transactions to detect suspicious activity.
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We reserve the right to take these actions where reasonably necessary to protect users and meet our legal obligations.
Certain Services rely on third-party providers, including:
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These services are subject to their own terms and conditions. Coffer is not responsible for interruptions caused by third-party providers beyond our reasonable control.
All content on Coffer, including:
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These materials remain the exclusive property of Coffer or its licensors. You may not reproduce, distribute, or use our intellectual property without prior written permission.
While we strive for uninterrupted availability, we do not guarantee that the Services will always be available.
To the maximum extent permitted by law, Coffer shall not be liable for:
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Nothing in these Terms limits liability where such limitation is prohibited by law.
We may suspend or terminate your account if:
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You may also close your account at any time, subject to applicable legal and operational requirements.
Your use of Coffer is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information.
We may update these Terms from time to time.
Where material changes are made, we will notify users through appropriate channels.
Continued use of the Services after the effective date constitutes acceptance of the updated Terms.
These Terms shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.
Any disputes arising from these Terms shall be subject to the jurisdiction of the competent courts of Nigeria, unless otherwise required by applicable law.
If you have any questions regarding these Terms, please contact us.
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We are committed to responding to enquiries promptly and professionally.