Terms of Service
TERMS AND CONDITIONS OF SERVICE
Welcome to Kalio.ng. The Kalio.ng website and platform (“Kalio.ng” or the “website”) which include all of the information, content, features and code contained within it are owned and operated by GABBYCARL INVESTMENT LIMITED, a corporate entity duly registered under the Laws of Nigeria as a limited liability company and having its registered office at Plot 7c, Creek Road, Apapa, Lagos. RC 226955.
a.) Your use of the Kalio.ng’s website (hereinafter called “website”/ “Kalio.ng”), a service operated by GABBYCARL INVESTMENT LIMITED , its services and tools, are governed by the following terms and conditions. By mere use of this website, you shall be contracting with GABBYCARL INVESTMENT LIMITED and these terms and conditions constitute your binding obligations.
b.) You warrant that you are at least 18 years of age and are legally capable of entering into binding contracts. By completing the registration process and using the Services, or by accessing or otherwise using the Site, you agree to be bound by these Terms.
c.) If you do not agree to these Terms, you may not access or otherwise use the Site and the Services. GABBYCARL INVESTMENT LIMITED reserves the right to refuse, suspend or terminate access, at its sole discretion.
2. Your Acceptance
3. Scope of Services
Kalio.ng (or “Kalio”) is a performance-based quiz platform where players are rewarded with cash for successfully topping the leaderboard by attempting quiz questions in the fastest possible time, with the highest number of correct questions.
Kalio.ng rewards a particular number of (a minimun of 3) best players on the leaderboard with cash. All Quiz Players are required to be registered be play and are also required to pay N50 to play game and replay.
The leaderboard ranks (in real-time) gamers based on highest point (number of correct questions) and fastest time. The topic of the quiz forming the basis of the Questions are determined the Kalio.ng content development team.
Most of the questions on Kalio.ng are based on publicly-available information, gathered from various mass media channels. These include information contained in external links. We are under no obligation to monitor the truthfulness, accuracy or reliability of information contained in external links. As such, GABBYCARL INVESTMENT LIMITED will not be liable for any content, based on publicly-available information or quoted/and or recorded from mass media channels. All Content is provided on an “as is” and “as available” basis, without any warranties or conditions of any kind either express or implied. GABBYCARL INVESTMENT LIMITED reserves the right to amend, cancel, reclaim, reject or refuse any event or publication on Kalio.ng, at its own discretion
Using our Services
Using our services does not give you ownership of any intellectual property rights in our services or the content you access.
You may not use content from our site (or any of its extension), except you have obtained permission from the site owner or are otherwise permitted by law. In connection with your use of our services, we may send you service announcements, administrative messages and other information.
We are constantly changing and improving our services. We may add or remove functionalities or features and we may stop or suspend a service altogether. When there is a change in our services, we shall communicate with you, to let you know. You can stop using our services at any time, although we will be sorry to see you go.
Our services are available on desktop and mobile devices. Do not use such services in a way that distracts you and prevents you from obeying traffic or safety laws.
You agree that you will not (directly or indirectly):
a.) use the Website (including the comments sections), Kalio's social media platforms (Twitter, Facebook, Instagram etc) to make false or defamatory statements about, or to threaten, harass, abuse or invade the privacy of, any Users or GABBYCARL INVESTMENT LIMITED ’s staff; or to otherwise send or disseminate offensive, obscene or objectionable material;
b.) use the Website (including the comments sections), Kalio's social media platforms (Twitter, Facebook, Instagram etc) to advertise goods, services or websites without our permission, or send or disseminate "spam", "junk mail", "chain letters" or any kind of malicious software such as "viruses" or "spyware"; or
c.) use the Website (including the comments sections), Kalio's social media platforms (Twitter, Facebook, Instagram etc) to gather or aggregate personal information about other Users;
d.) Use any manual or automated software, devices or other processes, to scrape or extract data from the Website, or otherwise to “crawl” or "spider" any portion of the Website;
e.) use the Website (including the comments sections) or any data or content contained in it for any commercial purpose, or any use other than its intended use as a way to participate in the Services offered;
f.) post any communication that you falsely attribute to having come from Kalio.
Opening a User Account:
i.) To use certain parts of the Website, you will need to have a User Account.
ii.) To open a User Account, you will need to complete the online application process set out on the Website, ensuring that all the information you provide to us (through the Website or otherwise) is and continues to be complete and accurate. Whether we accept your application for a User Account is entirely up to the team. When you use our platform, you’re entrusting us with your information. We understand this is a huge responsibility and that’s why we work double-hard to protect your information and put you in control.
iii.) You agree that you will keep your password secret and secure at all times and that you will not (intentionally or otherwise) allow anyone else to use the Website through your User Account. You agree that you (and in no event, We) are solely liable for any activity occurring through your User Account
By applying for a User Account, you represent, warrant and undertake to us that you:
a. mentally and financially capable of playing our quiz game;
b. do not already have (and will, at no time while you have the User Account for which you are applying, have) a User Account, whether directly or indirectly (including through any company or other legal entity which you directly or indirectly control);
c. have not previously had a User Account that has since been cancelled by us;
d. are (and will at all times be) acting solely for yourself and not on behalf of any other individual, company or other legal entity; and
e. will abide by these Terms and Condition, including each set of Rules;
f. may not do anything which might result in you breaching any of these representations, warranties and undertakings.
g. will comply with all laws in the jurisdiction in which GABBYCARL INVESTMENT LIMITED is or you are present;
h. will at all times provide us with truthful and accurate information, including without limitation as to personal, billing and account and profile information that you provide.
i. understand that Kalio.ng is not a lottery, gambling, betting platform.
Determination of Winners
Earnings are based on your performance (highest score & fastest time) on the leaderboard.
Top 5 players on the leaderboard at the end of the game are entitled to a fixed cash prize based on their ranking.
The total number of winners can change.
Disbursement of Funds (Withdrawing Your Funds)
Money won are withdrawable from your wallet.
We will only make winning payments and withdrawals directly to your wallet and, unless otherwise agreed, only to the address or bank account nominated by you in your account profile. We will not be responsible for you not receiving your funds, if you have provided an incorrect bank account number or address or other details which affect payment. Except where otherwise specified, we reserve the right to pass on to you any fees, costs, charges, taxes, imposts, levies or duties we incur in transferring funds to you from your Account.
You are responsible for all exchange rate fluctuations and we are not liable for any loss or costs you may incur as a result thereof. Payment to you can be made by Electronic Bank Transfer. We will transfer funds to your bank account, as specified by you. You will be responsible for any charges applicable to a transfer to your nominated account. Bank transfers usually take from 24 to 48 hours, depending on the location of your bank.
We will not be liable for any delayed or lost mail nor will we be liable if you do not receive your withdrawn funds as a result of any incorrect information provided by you to us. We reserve the right to place a “Stop payment” on any cheque issued to you or to temporarily block your Account, if we consider that payment of such cheque or continuance of such Account is illegal or constitutes an offence. We further reserve the right to withhold payments of any nature and to nullify a player’s winnings, if the user’s registration details are false, or misleading, or if the user is unable to verify their identity by meeting our identification verification requirements, as stipulated.
All financial transactions on Kalio.ng, including the funding of users’ wallets, withdrawal of funds and payment of winnings are done through Paystack, a payment processor (or ‘’third party payment service”). All payments through third party payment service providers are subject to their respective terms of service. Please note that fees which accrue to third party payment services are applied and deducted during funds withdrawal/transfer.
Definition of Terms
For these terms and conditions, the following terms are to have these meanings:
Devices – this describes the hardware being used to access the service, including but not limited to desktops, laptops or mobile devices utilised by vendors and users to access the service.
Game Season – Game season is the duration for which the entire game is open e.g. 24 hours, 1 week, 1 month. Etc
Game Time – Game time is the duration of the quiz itself, usually 30 Seconds.
Leaderboard – The leaderboard ranks (in real-time) gamers based on highest point (number of correct questions) and fastest time.
Operator – GABBYCARL INVESTMENT LIMITED, a company duly registered with the Corporate Affairs Commission of Nigeria under Nigerian laws (RC 226955). The operator undertakes all its activities in full compliance with Constitutional Conscience, as there is no accurate constitutional provision to govern Kalio.ng for now.
User/Player/Gamer – an individual with full legal capacity to participate in a lottery, possessing verifiable means of identification, is registered with the operator, and has been granted approval to possess an account. The user is identified by the first name, surname, and/or email, and a password for data protection.
User Account – comprising of recorded data constituting a unique profile name (Username) and his/her account history within the service. The operator on behalf of the user or vendor manages the user account. The data is displayed under "Dashboard". Users are entitled to one account only.
2.7 USER SUBMISSIONS
User submissions including but not limited to comments, questions, suggestions and reviews, collectively called submissions provided by a user and collected by the service on behalf of the operator, shall not be returned to the user. Such submissions become exclusive properties of the operator to be used according to the agreements in this terms and conditions.
2.8 UNCONTROLLABLE EVENTS (FORCE MAJEURE)
The operator will not be liable for delay or failure to perform its obligations under this agreement, if this delay or failure is caused by circumstances beyond reasonable control. Such circumstances include but are not limited to total internet shutdown, an Act of God, war and conflict, social civil disruptions or industrial dispute resulting in delays or failure that could not have been prevented or overcome by the operator.
2.9 TERMINATION OF AGREEMENT
The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.
The operator reserves the right to terminate the terms and conditions or revoke all access granted to a user under the terms and conditions without prior notice to the user. If the user is dissatisfied with the service, or with any terms, conditions, rules, policies, guidelines, or practices of the operator in operating the service, the user should immediately discontinue using the service.
ERRORS, INACCURACIES AND OMISSIONS
Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to services, promotions etc. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted paid).
We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.
3.8 PROHIBITED USES
In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.
3.9 DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.
We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.
You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.
You expressly agree that your use of, or inability to use, the service is at your sole risk.
In no case shall GABBYCARL INVESTMENT LIMITED, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
You agree to indemnify, defend and hold harmless GABBYCARL INVESTMENT LIMITED and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.
In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.
3.12 ENTIRE AGREEMENT
The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.
These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).
Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.
3.13 GOVERNING LAW
These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
3.14 CHANGES TO TERMS OF SERVICE
You can review the most current version of the Terms of Service at any time at this page.
We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
3.15 CONTACT INFORMATION
Questions about the Terms of Service should be sent to us at SUPPORT@KALIO.NG
Plot 7c, Creek Road, Apapa, Lagos.