Terms & Conditions

By downloading, installing, registering for, or otherwise using the GOB platform (including the mobile application available on Google Play and the Apple App Store), you affirm that:

• →You have read and agree to be bound by these Terms and our Privacy Policy.
• →If you are using GOB on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
• →Your use of GOB is subject to applicable Nigerian law, including the Nigeria Data Protection Act 2023 (NDPA) and CBN regulations on digital payments.

If you do not agree to these Terms, you must not access or use the GOB platform.

To use GOB, you must meet the following criteria:

When you create an account on GOB, you agree to:

• →Provide accurate, current, and complete information during registration and keep your profile updated.
• →Maintain the confidentiality of your login credentials (email, phone number, PIN, password) and not share them with any third party.
• →Notify GOB immediately at info@gob.ng if you suspect any unauthorized use of your account.
• →Accept full responsibility for all activities that occur under your account, whether or not authorized by you.

GOB operates a task marketplace where verified businesses ("Partners") post tasks and registered users ("Earners") complete them in exchange for points and/or cash rewards. The following rules apply:

• →Genuine Completion Only. Every task must be completed genuinely as described. Submitting false, fabricated, or AI-generated proof of completion is strictly prohibited and will result in account termination and forfeiture of all earnings.
• →Verification. GOB reserves the right to verify any task completion before crediting rewards. Rewards may be held pending verification for up to 72 hours.
• →Points vs. Cash. Points earned can be redeemed for cash, airtime, or platform credits at rates GOB may update from time to time. Points have no cash value outside the GOB platform.
• →Task Availability. GOB does not guarantee a minimum number of tasks or earnings. Task availability depends on active partner campaigns.
• →Task Rejection. GOB or its Partners may reject task submissions that do not meet stated requirements. Rejected tasks are not eligible for reward payment.

The GOB wallet allows you to fund your account and withdraw your earnings. The following terms apply to all financial transactions on the platform:

• →Minimum Withdrawal. The minimum withdrawal amount is 1m points. Withdrawals are processed to Nigerian bank accounts only.
• →Processing Time. GOB aims to process withdrawals within minutes. However, due to bank processing times or system maintenance, this may extend to 24 hours. GOB is not liable for delays caused by third-party financial institutions.
• →Cashback & Discounts. Cashback earned on bill payments (airtime, data, electricity) is credited to your wallet automatically. Cashback rates may change without prior notice.
• →Taxes. You are solely responsible for reporting and paying any taxes applicable to your GOB earnings under Nigerian law.
• →Chargebacks. GOB reserves the right to reverse any credit resulting from fraudulent activity, system errors, or partner disputes.

If you are registering as a Partner (brand, business, promoter, or agency) to create campaigns and post tasks, additional terms apply:

• →Campaign Funding. Partners must fund campaigns in full before tasks are published to the marketplace. GOB holds campaign funds in escrow and releases payments to earners upon verified task completion.
• →Campaign Review. All campaigns are subject to review by GOB before going live. GOB reserves the right to reject campaigns that violate these Terms, applicable law, or our community guidelines.
• →Prohibited Campaigns. Partners may not create campaigns for illegal products or services, gambling (unless licensed), political manipulation, hate speech, or any activity that violates Nigerian law.
• →Refunds. Unused campaign funds may be refunded upon written request to info@gob.ng, less a 5% processing fee. Funds already paid to earners are non-refundable.
• →Platform Fee. GOB charges a platform service fee on all campaigns. The current fee structure is disclosed during campaign creation and may be updated with 14 days' notice.

The following activities are strictly prohibited on GOB and will result in immediate account suspension, forfeiture of funds, and may be reported to relevant authorities:

All content, trademarks, logos, software, and intellectual property on the GOB platform are owned by or licensed to GOB Digital Services Ltd. You are granted a limited, non-exclusive, non-transferable licence to access and use the platform for personal, non-commercial purposes only.

• →You may not copy, reproduce, distribute, or create derivative works of any GOB content without written permission.
• →Any content you submit to GOB (including task proof, reviews, or survey responses) grants GOB a royalty-free licence to use it for platform improvements and partner reporting.
• →The GOB name, logo, and "GoBankly" brand are registered trademarks of GOB Digital Services Ltd and may not be used without authorization.

Your privacy matters to us. GOB collects, processes, and stores your personal data in accordance with the Nigeria Data Protection Act 2023 (NDPA) and our Privacy Policy.

• →Data We Collect: Name, phone number, email, BVN (for withdrawal verification), device information, and usage data.
• →How We Use Your Data: To provide our services, process payments, verify task completions, prevent fraud, and improve our platform.
• →Data Sharing: We do not sell your personal data. We share data only with verified partners as needed to fulfil task campaigns, and with payment processors to handle transactions.
• →Your Rights: You have the right to access, correct, or request deletion of your personal data by contacting info@gob.ng.

To the maximum extent permitted by applicable Nigerian law:

• →GOB provides the platform on an "as is" and "as available" basis without warranties of any kind, whether express or implied.
• →GOB shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of (or inability to use) the platform.
• →GOB's total liability to you for any claim arising out of or related to these Terms shall not exceed the amount you have paid or earned on the platform in the 90 days preceding the claim.
• →GOB is not responsible for the content of task campaigns created by partners, or for any third-party products or services accessed through the platform.

GOB may suspend or permanently terminate your account at any time, with or without notice, if we reasonably believe you have violated these Terms. Upon termination:

• →Access to your account and all associated data will be immediately revoked.
• →Any pending rewards or wallet balance may be forfeited if termination is due to fraud or Terms violation.
• →You may also voluntarily close your account by contacting support. Any verified pending balance will be paid out upon request, subject to identity verification.

GOB reserves the right to modify these Terms at any time. When we make material changes, we will notify you through the app, via email, or by updating the "Last Updated" date at the top of this page. Your continued use of GOB after any changes constitutes acceptance of the revised Terms. If you disagree with updated Terms, you should stop using GOB and close your account.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation. If unresolved within 30 days, the dispute shall be referred to arbitration under the Arbitration and Mediation Act 2023 in Lagos, Nigeria. Nothing in this clause prevents either party from seeking urgent injunctive relief from a competent Nigerian court.