Terms and Conditions
COWRYCHURCH WALLET SERVICE OPERATED BY COWRYDIGITAL SOLUTIONS LIMITED
These Terms and Conditions became effective on July, 12th, 2026
GENERAL TERMS AND CONDITIONS FOR ACCOUNT CREATION
1.0 Definition
These Terms and Conditions (“Terms”) govern your access to and use of the CowryChurch platform and all related services provided by Cowrydigital Solutions Limited (“Company,” “we,” “our,” or “us”).
CowryChurch is a church-focused digital payments and administration platform developed and operated by Cowrydigital Solutions Limited. It is designed to support churches, ministries, Christian organizations, worshippers, church groups, faith-based institutions, and religious events by providing secure digital financial, payment, and administrative solutions.
The platform facilitates the collection and management of offerings, tithes, donations, contributions, church payments, group funds, crusade and convention transactions, church discovery services, and other approved church-related financial and administrative activities.
By registering for, accessing, or using any CowryChurch service, including but not limited to Cash2Code, CashZero, Crusadex, Group Wallet, Church Locate, and any future products or services introduced under the CowryChurch brand, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, together with any policies, guidelines, operational procedures, and service rules issued by Cowrydigital Solutions Limited from time to time.
The services provided through CowryChurch are intended to promote sound financial stewardship, enhance administrative efficiency, and encourage participation in church programmes, ministries, and faith-based events.
CowryChurch serves only as a technology platform. It does not replace, alter, or interfere with the governance, leadership, authority, doctrines, policies, or decision-making structures of any church, ministry, Christian organization, or other religious institution using the platform. Each organization remains solely responsible for its internal administration, financial decisions, and religious affairs.
If you do not agree with any provision of these Terms and Conditions, you must not register for, access, or use the CowryChurch platform or any of its associated services.
2. License and Rights
2.1 Software License
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, worldwide license to use the CowryChurch software solely for processing collections and giving transactions through the platform.
2.2 License Limitations
Your use of the software does not grant ownership rights. The license remains valid only as long as you comply with these Terms and until the Agreement is terminated.
2.3 Intellectual Property
Except for the rights explicitly granted in this Agreement, you receive no additional rights to the software, trademarks, documentation, or any other intellectual property owned by CowryChurch .
CowryChurch retains all rights, including patents, copyrights, trademarks, and trade secrets associated with the platform.
3. Payments and Fees
3.1 Transaction Fees
Users are required to pay a platform fee, a third party gateway service fee and, if applicable, optional subscription fees for add-on services.
3.2 Taxes
All fees exclude taxes. You agree to cover any applicable taxes related to the licensing or use of the software, except for taxes based on CowryChurch’s net income. If required by law, CowryChurch may collect taxes unless you provide a valid tax exemption certificate.
4. User Responsibilities
4.1 Platform Usage
You must not modify, rebrand, or alter the software without prior written approval from CowryChurch.
4.2 Record Keeping
You agree to maintain accurate transaction records as necessary for verification of payments.
4.3 Compliance with Payment Processing Terms
If you use third-party payment gateway services through the platform, you must comply with
their terms and conditions, which may change at their discretion.
5. Limited Warranty
5.1 Warranty for Functionality
We do not guarantee that the software will be free from errors if issues arise from external
hardware/software malfunctions, failure to install necessary updates, unauthorized modifications, or misuse.
5.2 Disclaimer of Other Warranties
EXCEPT AS EXPRESSLY AGREED IN WRITING, THE SOFTWARE IS PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
5.3 User Indemnification
You agree to indemnify CowryChurch and its affiliates against any claims or liabilities arising from
unauthorized representations or warranties you make.
6. Termination of Agreement
6.1 Term Duration
This Agreement remains in effect while you use the CowryChurch platform. Either party may terminate the Agreement at any time. If you wish to close your account, you must submit a termination request to CowryChurch.
6.2 Termination Due to Insolvency
This Agreement automatically terminates if either party files for bankruptcy, assigns assets for
creditors, or dissolves.
6.3 Effect of Termination
Termination does not absolve either party from obligations incurred before termination. Neither party is liable for damages, reimbursement, or lost profits due to termination.
6.4 Suspension of Services
CowryChurch reserves the right to suspend or terminate access to the platform at its sole discretion,
with or without notice, for any violation of these Terms or for any other reason.
Opt-Out:
You can unsubscribe from marketing emails via the unsubscribe link in our emails. Your request will be processed within 10 business days.
7. Intellectual Property and Confidentiality
7.1 Intellectual Property Protection
You may not remove or modify proprietary marks, logos, or copyright notices displayed in
connection with the software and documentation.
7.2 Confidentiality
Each party agrees to keep confidential any proprietary information disclosed under this agreement. Confidential information include software details, business strategies, and other
proprietary data. However, information is not considered confidential if:
- It becomes publicly available without breach of this Agreement.
- It is received lawfully from a third party without confidentiality restrictions.
- Disclosure is required by law, provided that reasonable notice is given.
7.3 Prohibited Actions
You must not attempt to decompile, reverse-engineer, or extract source code from the CowryChurch software.
8. Trademarks and Branding
8.1 Use of Trademarks
The right to use CowryChurch for giving as well as for collections as the case may be is granted to you, but you are not permitted to alter or remove branding without prior written approval.
8.2 Trademark Ownership
CowryChurch retains full ownership of its trademarks. You agree not to register or claim any trademark, trade name, or branding that is similar to that of CowryChurch
9. Indemnification
You agree to defend, indemnify, and hold CowryChurch harmless from claims, damages, or expenses
arising from:
- Your use or misuse of the platform.
- Your failure to comply with legal requirements.
- Any unauthorized warranties you provide regarding CowryChurch services.
10. Limitation of Liability
10.1 Exclusion of Certain Damages
TO THE MAXIMUM EXTENT ALLOWED BY LAW, NEITHER PARTY WILL BE
LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES,
INCLUDING LOSS OF PROFITS OR DATA.
10.2 Maximum Liability
COWRYCHURCH’S TOTAL LIABILITY UNDER THIS AGREEMENT SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO COWRYCHURCH.
11. General Provisions
11.1 Compliance with Laws
Both parties agree to comply with all applicable laws related to organizations, payments, collections and givings.
11.2 Governing Law
These Terms will be governed by and construed in accordance with the laws of the jurisdiction in which CowryChurch is based.
11.3 Entire Agreement
This Agreement constitutes the whole agreement between the parties in regard to the subject matter hereof and no warranties or representations of any nature whatsoever other than set out in this agreement have been given by any of the parties.
11.4 Notices
Any official notices must be delivered via registered mail, courier, or other verifiable means.
11.5 Force Majeure
Neither party is liable for failure to perform obligations due to circumstances beyond their
control, such as natural disasters, strikes, or government actions.
11.6 Assignability
You may not transfer this Agreement to another party without prior written consent from CowryChurch.
11.7 Dispute Resolution
Any legal disputes must first be attempted to be resolved through negotiation. If unresolved, the matter may be taken to arbitration or court proceedings.
11.8 Severability
If any part of this Agreement is found to be invalid, the remaining provisions will remain
enforceable.
11.9 Changes to Terms
CowryChurch may update these Terms at its discretion. Updates take effect immediately upon posting. If you disagree with any changes, your sole option is to stop using the platform.
12. Contact Information
If you have questions about these Terms, please send an email to support@cowrychurch.com.ng.