By accessing or using Stratify, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this platform.

2.1 Eligibility

To use Stratify, you must:

• Be at least 13 years old
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Accept these Terms of Service and our Privacy Policy

2.2 Account Information

You must:

• Provide accurate, current, and complete information
• Update your information to keep it accurate and current
• Not use false or misleading information
• Not create multiple accounts for deceptive purposes

3.1 Prohibited Uses

You must not:

• Hack, reverse engineer, or attempt to gain unauthorized access
• Scrape data or use automated systems without permission
• Interfere with platform security or functionality
• Upload malicious code or content
• Violate any applicable laws or regulations

3.2 Service Provider Status

All professionals on Stratify are independent contractors. Stratify:

• Does not employ service providers
• Is not responsible for service quality
• Acts solely as a platform connecting providers with clients

4.1 Stratify's Rights

Stratify owns and retains all rights to:

• Platform software and technology
• Branding and trademarks
• Website design and content
• User-generated content posted on the platform

4.2 License to Use

Users are granted a limited, non-exclusive license to:

• Access and use the platform for its intended purpose
• View and interact with platform content
• Post content according to our guidelines

5.1 Commission Structure

Stratify charges:

• 10% commission on all successful transactions
• Paystack payment processing fees
• Applicable Value Added Tax (VAT)

5.2 Escrow Services

All payments are processed through our secure escrow system:

• Funds are held until service completion
• Release requires client confirmation
• Disputes are subject to platform mediation

5.3 Refund Policy

Refunds may be issued:

• Under specific conditions determined by Stratify
• Through the user's in-app wallet
• Subject to review and approval
• Available for withdrawal according to platform policies

Stratify is not liable for:

• Service interruptions or platform downtime
• Data loss or security breaches
• Quality of services provided by users
• Disputes between users
• Indirect, consequential, or incidental damages
• Loss of profits or business opportunities

You agree to indemnify and hold Stratify harmless from:

• Claims arising from your use of the platform
• Violations of these Terms of Service
• Content you post or share
• Disputes with other users
• Legal fees and costs related to such claims

8.1 Termination by Stratify

We may terminate accounts for:

• Violations of these Terms
• False or misleading information
• Fraudulent activities
• Non-payment of fees
• Extended periods of inactivity

8.2 Notification

Users will be notified of account termination through:

• Email notification
• In-app notification

Stratify is not liable for failure to perform due to:

• Natural disasters
• Government actions
• Technical failures
• Acts of terrorism
• Civil unrest
• Other circumstances beyond reasonable control

10.1 Platform Mediation

For disputes between users:

• Stratify provides mediation services
• Reviews all relevant communications
• Evaluates evidence from both parties
• Issues binding decisions

10.2 Legal Proceedings

Any legal proceedings must be:

• Filed in Nigerian courts
• Subject to Nigerian law
• Limited to individual claims (no class actions)

These Terms are governed by Nigerian law. Any disputes shall be subject to the exclusive jurisdiction of Nigerian courts.

Stratify reserves the right to modify these terms at any time:

• Users will be notified of significant changes
• Continued use constitutes acceptance
• Users are responsible for reviewing updates

If any provision of these Terms is found to be unenforceable:

• The provision will be modified to be enforceable
• Remaining provisions remain in full effect
• Invalid provisions will not affect other terms

For questions about these Terms of Service, please contact our support team through the provided channels.