Terms of Service

1. Acceptance of terms

By accessing or using the website of God’s Treasury Cooperative Society (GTCS), located at www.godstreasury.com (“Website”), you agree to comply with and be legally bound by these Terms of Service. If you do not agree, you should discontinue use immediately.

These Terms apply to all visitors, users, and others who access or use the Website.

2. Use of the website

You agree to use this Website only for lawful purposes and in accordance with applicable Nigerian laws, including but not limited to:

Nigeria Data Protection Regulation (NDPR)
Cybercrimes (Prohibition, Prevention, etc.) Act, 2015
Nigerian Communications Commission (NCC) Internet Regulations
Cooperative Societies Act (where applicable to services described)

You agree not to:

Use the site to transmit any malware or harmful code
Attempt to gain unauthorized access to systems or accounts
Engage in fraud, misrepresentation, or illegal financial activity
Violate the intellectual property rights of GTCS or third parties

3. Intellectual property

All content on this Website, including text, graphics, logos, icons, images, audio clips, software, and layout, is the property of GTCS or licensed third parties and is protected under Nigerian copyright and intellectual property laws.

You may not:

Copy, reproduce, republish, upload, or distribute any material without written permission
Modify or reverse-engineer any part of the Website

4. Privacy policy

By using our Website, you acknowledge and consent to our Privacy Policy, which governs how we collect, store, and process personal data in compliance with the NDPR.

We do not sell or rent your data to third parties. Data collected is used only to improve user experience, respond to inquiries, and deliver relevant GTCS services.

5. User accounts and forms

If you submit any forms (e.g., contact, registration, investment inquiries), you agree to provide accurate, current, and complete information. You may not impersonate another person or entity.

GTCS reserves the right to refuse service, disable form submissions, or restrict access if misuse is detected.

6. Third-party links

Our Website may contain links to external websites for informational purposes. GTCS is not responsible for the content, accuracy, or data handling practices of third-party sites. Use them at your own discretion.

7. Disclaimers

The content provided on this Website is for general information purposes only and does not constitute legal, financial, or professional advice. GTCS makes no guarantees regarding:

The completeness or accuracy of content
Continuous, error-free website operation
The outcome of any financial or cooperative decision made through website information

8. Limitation of liability

GTCS, its officers, employees, and agents shall not be liable for any direct or indirect damages resulting from:

Use or inability to use the Website
Unauthorized access or alteration of data
Errors, delays, interruptions, or cyber-attacks

You use this Website at your own risk.

9. Modifications

GTCS reserves the right to update or modify these Terms of Service at any time without prior notice. Any changes will be posted on this page with an updated effective date.

Your continued use of the Website after changes are made constitutes acceptance of those changes.

10. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes arising out of or in connection with this Website shall be subject to the exclusive jurisdiction of Nigerian courts.

11. Contact us

For any questions regarding these Terms of Service, please contact:

Email: [email protected]
Phone: +234 701 187 1220
Address: 11 Ogunmefun Street, Off Bawala Street, Pedro, Somolu, Lagos, Nigeria

By using this Website, you agree to these Terms of Service.