Terms of Use and Service

By using this website, any of our websites and/or services, you agree to these Terms of Use. The website Privacy Policy, Acceptable Use Policy and Merchant Terms of Service (where applicable) are incorporated by reference into these Terms of Use.

About Us

Colad Gray Consulting (“we”, “us” or “our”) is a Seamless, Remote, Subscription-Based HR Advisory Service for small and medium-sized businesses in Africa. We also offer Payroll, HR Statutory Compliance (Taxes, Pensions, Insurance etc.), Leave, Performance, and HMO Management – All in one place.

We are an independent contractor for all HR purposes, providing this website and our services on an independent service provider basis. We do not have control or assume the liability or legality for the products or employees that are paid with our service. We do not guarantee any user’s identity and cannot ensure that an employer or employee will complete a transaction.

This Terms of Use is an agreement between you and Colad Gray Consulting. It details Colad Gray Consulting’s obligations to you. It also highlights certain risks of using the services and you must consider such risks carefully as you will be bound by the provision of this Agreement through your use of this website or any of our services.

 

Privacy Policy
Colad Gray Consulting is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.

 

Age Restriction
Our website and services are not directed to children under 18. We do not knowingly transact or provide any services to children under 18.

 

Disputes & Reversal
If you believe that an unauthorized or otherwise problematic transaction has taken place, you agree to notify us immediately, to enable us to take action to help prevent financial loss.

All claims against us related to payments should be made within 45 (forty-five) days after the date of such payment. It will be taken that you waive all claims against us, to the fullest extent of the law after the said period of time.

 

Acceptable Use Policy
You are independently responsible for complying with all applicable laws related to your use of our website and services. However, by accessing or using Colad Gray Consulting, you agree to comply with the terms and conditions of our Acceptable Use Policy which you can read on our Acceptable Use Policy page.

 

Terms of Service

By signing up for an account on this website or any of our websites and/or services, you have deemed a Client and agree to these Client Terms of Service (the “Agreement”).

About Us

Colad Gray Consulting (“we”, “us” or “our”) is a Seamless, Remote, Subscription-Based HR Advisory Services for small and medium-sized businesses in Africa. We also offer Payroll, HR Statutory Compliance (Taxes, Pensions, Insurance etc.), Leave, Performance, and HMO Management – All in one place.

We are an independent contractor for all HR purposes, providing this website and our services on an independent service provider basis. We do not have control or assume the liability or legality for the products or employees that are paid with our service. We do not guarantee any user’s identity and cannot ensure that an employer or employee will complete a transaction.

 

Agreement

These Client Terms of Service is an agreement between you and Colad Gray Consulting. It details Colad Gray Consulting’s obligations to you. It also highlights certain risks on using the services and you must consider such risks carefully as you will be bound by the provision of this Agreement through your use of this website or any of our services.

 

Registration

To use Colad Gray Consulting, you have to create a Colad Gray Consulting account by registering. To register, you will provide us with certain information such as your email, first name, last name, business name and phone number and we may seek to verify your information, (by ourselves or through third parties), after which we will approve your account unless deemed risky. You give us permission to do all these.

 

Change of Information

In the event that you change any information provided to us at registration including your business name, address, financial institution, mode of payments or the products and services that you offer, or where a corporate restructuring occurs you agree to notify us within 14 days of such change. We may be unable to respond to you if you contact us from an address, telephone number or email account that is not registered with us.

 

Representation and Warranties

You represent and warrant to Colad Gray Consulting that:
you have full power and authority to enter into, execute, deliver and perform this Agreement;
you are duly organised, authorised and in good standing under the laws of the Federal Republic of Nigeria or any state, region or country of your organisation and are duly authorised to do business in all other states, regions or countries in which your business operates.

 

Age Restriction

Our website and services are not directed to children under 18. We do not knowingly transact or provide any services to children under 18.

 

Account Security

You agree not to allow anyone else to have or use your password details and to comply with all reasonable instructions we may issue regarding account access and security. In the event you share your password details, Colad Gray Consulting will not be liable to you for losses or damages. You will also take all reasonable steps to protect the security of the personal electronic device through which you access Colad Gray Consulting’s services (including, without limitation, using PIN and/or password protected personally configured device functionality to access Colad Gray Consulting’s services and not sharing your device with other people).

 

Data Compliance

You agree to comply with all data privacy and security requirements of the Payment Card Industry Data Security Standard (PCI DSS Requirements”) and under any applicable law or regulation that may be in force, enacted or adopted regarding confidentiality, your access, use, storage and disclosure of user information. Information on the PCI DSS can be found on the PCI Council’s website. It is your responsibility to comply with these standards.

We are responsible for the security and protection of Card Holder Data (CHD) we collect and store. Accordingly, we implement access control measures, security protocols and standards including the use of encryption and firewall technologies to ensure that CHD is kept safe and secure on our servers, in compliance with the PCI DSS Requirement. We also implement periodical security updates to ensure that our security infrastructures are in compliance with reasonable industry standards.

We acknowledge that you own all your customers’ data. You hereby grant Colad Gray Consulting a perpetual, irrevocable, sub-licensable, assignable, worldwide, royalty-free license to use, reproduce, electronically distribute, and display your customers’ data for the following purposes:
providing and improving our services;
internal usage, including but not limited to, data analytics and metrics so long as individual customer data has been anonymized and aggregated with other customer data;
complying with applicable legal requirements and assisting law enforcement agencies by responding to requests for the disclosure of information in accordance with local laws; and
any other purpose for which consent has been provided by your customer.

 

Software License

We hereby grant you a revocable, non-exclusive, non-transferable license to use Colad Gray Consulting’s APIs, developer’s toolkit, and other software applications (the “Software”) in accordance with the documentation accompanying the Software. This license grant includes all updates, upgrades, new versions and replacement software for your use in connection with the Colad Gray Consulting’s services. If you do not comply with the documentation and any other requirements provided by Colad Gray Consulting, then you will be liable for all resulting damages suffered by you, Colad Gray Consulting and third parties. Unless otherwise provided by applicable law, you agree not to alter, reproduce, adapt, distribute, display, publish, reverse engineer, translate, disassemble, decompile or otherwise attempt to create any source code that is derived from the Software. Upon expiration or termination of this Agreement, you will immediately cease all use of any Software.

 

Trademark License

We hereby grant you a revocable, non-exclusive, non-transferable license to use Colad Gray Consulting’s trademarks used to identify our services (the “Trademarks”) solely in conjunction with the use of our services. You agree that you will not at any time during or after this Agreement assert or claim any interest in or do anything that may adversely affect the validity of any Trademark or any other trademark, trade name or product designation belonging to or licensed to Colad Gray Consulting (including, without limitation registering or attempting to register any Trademark or any such other trademark, trade name or product designation). Upon expiration or termination of this Agreement, you will immediately cease all display, advertising and use of all of the Trademarks.

 

Intellectual Property

We do not grant any right or license to any Colad Gray Consulting intellectual property rights by implication, estoppel or otherwise other than those expressly mentioned in this Agreement.

Each party shall retain all intellectual property rights including all ownership rights, title, and interest in and to its own products and services, subject only to the rights and licenses specifically granted herein.

 

Publicity

You hereby grant Colad Gray Consulting permissions to use your name and logo in our marketing materials including, but not limited to use on our website, in customer listings, in interviews and in press releases. Such Publicity does not imply an endorsement for your products and services.

 

Confidential Information

The parties acknowledge that in the performance of their duties under this Agreement, either party may communicate to the other (or its designees) certain confidential and proprietary information, including without limitation information concerning each party’s services, know-how, technology, techniques, or business or marketing plans (collectively, the “Confidential Information”) all of which are confidential and proprietary to, and trade secrets of, the disclosing party. Confidential Information does not include information that:
(i) is public knowledge at the time of disclosure by the disclosing party;
(ii) becomes public knowledge or known to the receiving party after disclosure by the disclosing party other than by breach of the receiving party’s obligations under this section or by breach of a third party’s confidentiality obligations;
(iii) was known by the receiving party prior to disclosure by the disclosing party other than by breach of a third party’s confidentiality obligations; or
(iv) is independently developed by the receiving party.

As a condition to the receipt of the Confidential Information from the disclosing party, the receiving party shall:
(i) not disclose in any manner, directly or indirectly, to any third party any portion of the disclosing party’s Confidential Information;
(ii) not use the disclosing party’s Confidential Information in any fashion except to perform its duties under this Agreement or with the disclosing party’s express prior written consent;
(iii) disclose the disclosing party’s Confidential Information, in whole or in part, only to employees and agents who need to have access thereto for the receiving party’s internal business purposes;
(iv) take all necessary steps to ensure that its employees and agents are informed of and comply with the confidentiality restrictions contained in this Agreement; and
(v) take all necessary precautions to protect the confidentiality of the Confidential Information received hereunder and exercise at least the same degree of care in safeguarding the Confidential Information as it would with its own confidential information, and in no event shall apply less than a reasonable standard of care to prevent disclosure.

 

Know Your User and Employee

You agree that you are solely responsible for verifying the identities of your employees (Admin and Third-Party Administrator), ensuring that they are authorised to carry out the operations on your platform, and determining their eligibility to process and run payroll.

You are also required to maintain information and proof of service or product delivery to your customer. Where a dispute occurs needing resolution, you may be required to provide Colad Gray Consulting with these.

 

Security and Fraud Controls

Colad Gray Consulting is responsible for protecting the security of Payment Data including CHD in our possession and will maintain commercially reasonable administrative, technical, and physical procedures to protect all the personal information regarding you and your customers that is stored on our servers from unauthorised access and accidental loss or modification. Although, we cannot guarantee that unauthorised third parties will never be able to defeat those measures or use such personal information for improper purposes. We will however take all reasonable and commercially achievable measures to address any security breach as soon as we become aware.

You agree to use other procedures and controls provided by us and other measures that are appropriate for your business to reduce the risk of fraud.

In the event that you suspect any fraudulent activity on your account, you agree to notify Colad Gray Consulting immediately and quit the delivery of the service. In addition, where we suspect that there have been frequent fraudulent transactions on your account, we reserve the right to cancel our service to you and/or your account.

 

Notification of Errors

You agree to notify us immediately if any error is detected while processing payroll that has occurred using Oleefee. We will investigate and rectify the errors where verified. In the event that we notice any errors, we will also investigate and rectify such errors.

If a transaction is erroneously processed through your platform, report it to us immediately. We will investigate any such reports and attempt to rectify the errors.

Failure to notify us within 45 (forty-five) days of the occurrence of an error will be deemed a waiver of your rights to amounts that are owed to you due to an error.

 

Termination

You may terminate this Agreement by closing your Oleefee account through an email sent to [email protected]

We may suspend your Oleefee account and your access to Colad Gray Consulting services and any funds, or terminate this Agreement, if;

You do not comply with any of the provisions of this Agreement;
we are required to do so by a Law;
where a suspicious or fraudulent transaction occurs

 

Restricted Activities & Acceptable Use Policy

You are independently responsible for complying with all applicable laws related to your use of our website and services. However, by accessing or using Colad Gray Consulting, you agree to comply with the terms and conditions of our Acceptable Use Policy and are restricted from the activities specified in it which you can read on our Acceptable Use Policy page.

 

Privacy Policy

Colad Gray Consulting is committed to managing your Personal Information in line with global industry best practices. You can read our Privacy Policy to understand how we use your information and the steps we take to protect your information.

 

Disclaimers

We try to keep Oleefee available at all times, bug-free and safe, however, you use it at your own risk.

Our website and services are provided “as is” without any express, implied and/or statutory warranties (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, title, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, Colad Gray Consulting makes no warranty that our website and services will meet your requirements or that our website will be uninterrupted, timely, secure, or error-free. No advice or information, whether oral or written, obtained by you through our website or from Colad Gray Consulting its parents, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, “Colad Gray Consulting parties”) shall create any warranty.

 

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the above disclaimers may not apply to you. To the extent that any Colad Gray Consulting Party may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of the Colad Gray Consulting’s Party’s liability shall be the minimum permitted under such applicable law.
Indemnity

You agree to defend, indemnify, and hold Colad Gray Consulting, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of this Agreement.

 

Updates, Modifications & Amendments

We may need to update, modify or amend our Client Terms of Service as our technology evolves. We reserve the right to make changes to this Terms of Service at any time by giving notice to users on this page.

We advise that you check our website often, referring to the date of the last modification on the page. If you have any objection to any of the changes to this Client Terms of Service, you must cease using our website and/or services immediately.

 

Applicable Law
These Terms of Use shall be interpreted and governed by the laws currently in force in the Federal Republic of Nigeria.

 

Legal Disputes
We shall make an effort to settle all disputes amicably. Any dispute arising out of this Agreement which cannot be settled, by mutual agreement/negotiation within 1 (one) month shall be referred to arbitration by a single arbitrator at the Lagos Multi-Door Courthouse (“LMDC”) and governed by the Arbitration and Conciliation Act, Cap A10, Laws of the Federal Republic of Nigeria. The arbitrator shall be appointed by both of us (we and you), where both of us are unable to agree on the choice of an arbitrator, the choice of arbitration shall be referred to the LMDC. The findings of the arbitrator and subsequent award shall be binding on both of us. Each of us shall bear our respective costs in connection with the Arbitration. The venue for the arbitration shall be Lagos, Nigeria.

 

Severability
If any portion of these Terms of Use is held by any court or tribunal to be invalid or unenforceable, either in whole or in part, then that part shall be severed from these Terms of Use and shall not affect the validity or enforceability of any other part in this Terms of Use.

 

Miscellaneous

You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Assigning or sub-contracting any of your rights or obligations under these Terms of Use to any third party is prohibited. We reserve the right to transfer, assign or sub-contract the benefit of the whole or part of any rights or obligations under these Terms of Use to any third party.

Terms and Conditions: Salary Advance Product Offering

Eligibility:
1.1 To be eligible for the Product, you must be a salaried employee with verified employment status.
1.2 You must meet all the eligibility criteria as determined by the Company, which may include factors such as minimum salary, length of employment, and others.

Product Description:
2.1 The Product allows eligible users to request an advance on their salary.
2.2 The maximum advance amount and repayment terms will be determined by the Company based on various factors, including your income, employment history, and creditworthiness.
2.3 The Product is subject to availability and may not be available to all users at all times.

Application and Approval Process:
3.1 To apply for the Product, you must submit an application through the designated channels provided by the Company.
3.2 The Company reserves the right to verify the information provided in your application, including your employment details and income.
3.3 The approval of your application is at the sole discretion of the Company, and the Company may reject your application without providing any reason.

Advances and Repayment:
4.1 If your application is approved, the Company will provide you with the approved advance amount.
4.2 The advance amount will be deducted from your next salary payment.
4.3 You hereby authorize the Company to deduct the advance amount, including any applicable fees or charges, from your salary.
4.4 The repayment terms, including the deduction amount and repayment period, will be specified in the request agreement provided by the Company.

Fees and Charges:
5.1 The Company may charge fees and 5% interest for the use of the Product.
5.2 The applicable fees and charges will be communicated to you before you accept the Product.
5.3 The Company reserves the right to revise the fees and charges at any time, and any changes will be communicated to you in advance.

Non-Transferability:
6.1 The Product is non-transferable, and you cannot assign or transfer your rights or obligations under this Agreement to any third party.

Termination:
7.1 The Company reserves the right to terminate or suspend the Product at any time without prior notice.
7.2 The Company may terminate your access to the Product if you breach any of the terms and conditions outlined in this Agreement.
7.3 You may terminate your use of the Product at any time by providing written notice to the Company.

Limitation of Liability:
8.1 The Company shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in connection with the use of the Product.
8.2 The Company does not guarantee the availability, accuracy, or reliability of the Product or any related services.

Privacy and Data Protection:
9.1 The Company will collect, use, store, and disclose your personal information in accordance with its Privacy Policy.
9.2 By using the Product, you consent to the collection and use of your personal information as described in the Privacy Policy.

Governing Law and Jurisdiction:
10.1 This Agreement shall be governed by and construed in accordance with the laws.
10.2 Any disputes arising out of or in connection with this Agreement shall be subject to the exclusive jurisdiction of the relevant courts.

Entire Agreement:
11.1 This Agreement constitutes the entire agreement between you and the Company regarding the Product and supersedes any prior agreements or understandings, whether written or oral.
Please print or save a copy of this Agreement for your records. By using the Product, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.