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Terms & Conditions

Kindly read our Terms of Use carefully

Terms of Use

Last Updated: Feb 28th, 2019

Kernelvest Capitals Limited, or Kernelvest ("Kernelvest", "we" or "our") application and the features of this application are subject to these Terms of Use ("Terms"), which we may update or amend from time to time. We will provide you with written, electronic notice of any updates or amendments to these Terms. This terms also contain the terms and conditions governing your use and access to our website at and all affiliated websites owned and operated by us (collectively, the "Website") and our products, services, and applications (together with the Website, the "Services"). Your continued use of this Kernelvest "Services" after we provide notice of any changes to these Terms constitutes your agreement to those changes. All references to "Kernelvest" herein shall also include its affiliates.

The Website, Application and Services is owned by Kernelvest. If you do not agree with these Terms, you should immediately discontinue the use of this Application. The Application may include or make available general news and information, advisory services, research reports and data concerning the financial markets, securities, investments, banking and other subjects; and access to blogs, wikis, online webinars, conferences, telecasts, podcasts and other public forums (collectively, "Content"). By using the public areas of the Website, you are indicating your acceptance, without modification, of the disclaimers, terms and conditions set forth in this document, which apply equally to Kernelvest, the Services and any information providers.

Your use of and access to the "Website" and "Services" are subject at all times to these Terms and our Privacy Policy. Please read these Terms and our Privacy Policy carefully. By using or accessing the Services, you represent that you have read and understand these Terms and our Privacy Policy and you agree to be bound by these Terms and our Privacy Policy. If you do not agree to all the terms and conditions of these Terms and our Privacy Policy, do not use or access the Services.

These terms include, among other things, your authorization for debits and credits from and to your bank account (as defined below) via the automated clearinghouse network ("ach") and a binding arbitration provision containing a class action waiver. Content posted on the Application is published as of its stated date or, if no date is stated, the date of first posting. Except as may be required by applicable law, Kernelvest has no duty to update any such information.

You are solely responsible for evaluating the merits and risks associated with the use of the Website, any Content on the Website and any financial and investment services provided through the Website (the "Products") before making any investment or other decision based upon the same. You agree not to hold Kernelvest liable for any possible claim for damages arising from any decision you make based on your use of the Website, the Services or any Content. Your election to engage the Services are subject to your explicit enrollment and acceptance of the conditions stated by Kernelvest.

The Content and Services offered on the Website are intended for Nigerians or legal Nigeria residents. They shall not be considered a solicitation to any person in any jurisdiction where such solicitation would be illegal.

By using Kernelvest Services, you agree that you (a) are a Nigerian citizen (or a legal Nigerian resident) of at least 18 years of age (or older if you reside in a state where the majority age is older); (b) have a Bank Account with a Nigerian financial institution; and (c) provide all information requested by us, such as your name, email address, mobile device number, online credentials for your Bank Account, and such other information as we may request from time to time (collectively, "User Information"). You represent and warrant that all User Information you provide us from time to time is truthful, accurate, current, and complete, and you agree not to misrepresent your identity or your User Information. You agree to promptly notify us of changes to your User Information by updating your Kernelvest Account on the Website or contacting us using any of our available contact options. If we approve your registration, you will be authorized to use the Services, subject to these Terms.

For compliance purposes and in order to provide the Services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Bank Account information. When you register for the Services and from time to time thereafter, we may require you to provide and/or confirm information and documentation that will allow us to identify you, such as:

The use of kernelvest Services means that your funds are available in your Kernelvest Account until you instruct us to transfer any or all of your funds from your Kernelvest Account to your Bank Account. We will generally transfer the requested funds from your Kernelvest Account to your Bank Account within 24-48 hours of when we receive your request. It is important to know the amount of available funds in your Kernelvest Account before instructing us to transfer funds from your Kernelvest Account to your Bank Account. If you do not have sufficient available funds in your Kernelvest Account to cover the amount of the requested transfer, your request for the transfer will be declined.

You are solely responsible for determining whether the funds debited from your debit card and the funds maintained in your Kernelvest Account are acceptable to you. We are not responsible for any third-party fees that may be incurred as a result of using the Services, including, but not limited to, third-party fees incurred as a result of maintaining insufficient funds in your Bank Account.

You may stop using the Services, close your Kernelvest Account, and cancel these Terms at any time by contacting us and providing sufficient information for us to verify your identity. Notwithstanding the foregoing, if there are any pending transactions relating to your Kernelvest Account when we receive your termination notice, we will close your Kernelvest Account promptly after such transactions are completed. Your termination of these Terms will not affect any of our rights or your obligations arising under these Terms prior to termination.

Content is provided exclusively for personal and non-commercial access and use. Kernelvest company names and logos and all related product and service names, design marks and slogans (collectively, "Marks") are the property of Kernelvest or its affiliates, as applicable. You are not authorized to, and agree not to, download, display or use any Content or Mark in any publication, advertising, publicity or any other commercial or non-commercial manner, in connection with products or services that are not those of Kernelvest, in any other manner that is likely to cause confusion among consumers, that disparages or discredits Kernelvest and/or its software or intellectual property licensors, that dilutes the strength of Kernelvest's or its licensors' property, or that otherwise infringes Kernelvest's or its licensors' intellectual property rights. You further agree to in no other way misuse any Services or Content that appears on the Application. You may not modify, copy, distribute, publish, license or sell any Services or Content or any derivative work based on the Services or Content.

Kernelvest may discontinue or modify any category of Content or adjust its Services at any time. You release and agree to indemnify and hold harmless Kernelvest for any of your losses or damages arising from or relating to such discontinuation or modification.

By using the Website, you consent to any form of recording and retention of any communication, information and data exchanged between you and Kernelvest or its representatives or agents.

Kernelvest may provide links to other applications or resources. Because neither Kernelvest nor other information providers have any control over such applications and resources, you acknowledge and agree that Kernelvest is not responsible for the availability of such external applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such applications or resources. You further acknowledge and agree that Kernelvest shall not be responsible or liable, directly or indirectly, for any damage, liability or loss caused or alleged to be caused by or in connection with your use of or reliance on any such content, goods or services available on or through any such application.

Disclaimer of Representations or Warranties

Content and Service are provided on an "as is," "as available" basis, and Kernelvest does not make any representations as to the suitability of the Application, the Content, the Services or other materials for any purpose. Kernelvest expressly disclaims any and all warranties, express or implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability and accuracy with respect to the Application, the Content, the Services and the other materials.

We're in BETA

We are still in final phase even though we are fully functional. We are finalizing our agreements and registrations with our partners. Your registration with us confirms you understand our present stage and fully commit to continue with your registration with us. All contributions are held at the payment gateway and processed from there pending the completion of our registrations. For more information about our operations, kindly visit the FAQ section or send us an email.