Terms Of Use

Effective Date: June 1, 2026

These Terms of Use ("Terms") are a binding legal agreement between you and Afrid Partners LLC, operating as SaviLock ("SaviLock," "we," "us," or "our"), governing your access to and use of the SaviLock platform at https://savilock.com and any related applications or services (collectively, the "Platform"). By creating an account or using the Platform in any way, you confirm that you have read, understood, and agree to these Terms. If you do not agree, do not use the Platform

1. Eligibility

You must be at least 18 years old to create an account or use the Platform. By registering, you represent and warrant that:

  • You are at least 18 years of age
  • You have the legal capacity to enter into a binding contract in your jurisdiction.
  • You are not barred from using the Platform under any applicable law.
  • All registration information you provide is accurate, current, and complete

    • SaviLock reserves the right to terminate any account found to belong to a user under the age of 18 and to delete all associated data.

    2. Account Registration and Security

    To access the Platform's features, you must register for an account. You agree to:

  • Provide accurate and complete information during registration and keep it up to date.
  • Choose a unique SaviTag, which will serve as your public identifier on the Platform.
  • Maintain the confidentiality of your login credentials and not share them with any third party.
  • Notify us immediately at support@savilock.com if you suspect unauthorized access to your account.

    • You are solely responsible for all activity that occurs under your account. SaviLock is not liable for any loss or damage arising from your failure to protect your account credentials.

    3. The Platform and Services

    3.1 Milestone Contracts

    SaviLock enables users to create Milestone Contracts -- structured agreements between a client and a service provider where payment is held in escrow and released upon completion of defined milestones. By creating or entering into a Milestone Contract, you agree that:

  • You are solely responsible for the terms, deliverables, and outcomes of any contract you enter into with another user.
  • SaviLock acts as a neutral platform facilitator and is not a party to any contract between users.
  • Funds held pending milestone completion are processed and held by Flutterwave on behalf of SaviLock and are subject to Flutterwave's terms in addition to these Terms.
  • Milestone release is triggered by user action within the Platform. SaviLock does not release or withhold funds based on its own assessment of contract performance except through the Dispute Resolution process described in Section 6.

    • 3.2 Peer-to-Peer Transfers

    Users may send funds directly to other users on the Platform via their SaviTag without a formal contract. By initiating a peer-to-peer transfer, you acknowledge that:

  • All transfers are processed through Flutterwave's infrastructure and are subject to their terms and processing times.
  • Transfers are generally final once initiated. SaviLock is not obligated to reverse a completed transfer except where required by applicable law or a successful Dispute Resolution outcome.
  • You are responsible for verifying the recipient's SaviTag before sending funds. SaviLock is not liable for funds sent to an incorrect recipient due to user error.

    • 3.3 Wallet and Balances

    Your SaviLock wallet reflects a balance held by Flutterwave within a SaviLock account on their platform. SaviLock does not independently hold, insure, or guarantee user funds. Your wallet balance is subject to:

  • Flutterwave's terms of service and any applicable holding or processing limits they impose.
  • Applicable law, including any regulatory action that may affect Flutterwave's ability to process or release funds.
  • Any outstanding disputes, holds, or flags applied to your account under these Terms.

    • SaviLock is not a bank and your wallet balance does not constitute a deposit. Funds held in your wallet are not insured by the FDIC or any equivalent government deposit protection scheme.

    3.4 Currency Conversion

    The Platform supports multi-currency transactions. Currency conversions are executed through Flutterwave's systems using exchange rates determined by Flutterwave at the time of conversion. SaviLock does not set, guarantee, or take responsibility for exchange rates. By initiating a currency conversion, you accept the rate applied at the time of the transaction.

    3.5 Business Directory and Tasks

    Service providers may list their services in the SaviLock business directory. By creating a listing, you represent that all information is accurate and that you are authorized to offer the services described. SaviLock does not endorse, verify, or guarantee any service provider or their work.

    3.6 SaviScore

    Your SaviScore is a trust and reliability rating calculated based on your activity on the Platform, including milestone completion rates, payment timeliness, dispute history, and consistency of performance. By using the Platform, you acknowledge that:

  • Your SaviScore is visible to other users and may influence their decision to engage with you.
  • SaviScore calculations are automated and based on platform data. SaviLock reserves the right to adjust the algorithm at any time.
  • You may request a review of your SaviScore by contacting support@savilock.com if you believe it reflects inaccurate underlying data.

    • 4. Fees

    SaviLock may charge fees for certain transactions or services on the Platform. Applicable fees will be disclosed to you before you complete a transaction. By proceeding with a transaction, you authorize SaviLock and/or Flutterwave to deduct any applicable fees from your wallet balance or transaction amount.

    SaviLock reserves the right to introduce, modify, or remove fees at any time with reasonable prior notice to users. Continued use of the Platform after a fee change takes effect constitutes acceptance of the updated fee structure

    5. Prohibited Conduct

    By using the Platform, you agree not to:

  • Use the Platform for any unlawful purpose or in violation of any applicable local, national, or international law or regulation.
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity.
  • Create more than one account or create an account on behalf of another person without their explicit authorization.
  • Use the Platform to facilitate fraudulent transactions, money laundering, or financing of illegal activity.
  • Manipulate, circumvent, or exploit the Milestone Contract system, SaviScore, or Dispute Resolution process
  • Send unsolicited communications or engage in any form of harassment toward other users
  • Attempt to gain unauthorized access to any part of the Platform or another user's account.
  • Use automated tools, bots, or scripts to interact with the Platform without prior written authorization from SaviLock.
  • Post false, misleading, or defamatory content in your profile, listings, or communications on the Platform

    • Violation of these prohibitions may result in immediate account suspension or termination, forfeiture of wallet balance where required by law, and referral to relevant authorities.

    6. Dispute Resolution Between Users

    6.1 In-Platform Disputes

    SaviLock provides a Dispute Resolution feature for disagreements arising from Milestone Contracts. Either party to a contract may initiate a dispute through the Platform. SaviLock will review the submitted evidence from both parties and issue a determination. SaviLock's determination is final with respect to the release of funds held under the disputed contract.

    SaviLock provides a Dispute Resolution feature for disagreements arising from Milestone Contracts. Either party to a contract may initiate a dispute through the Platform. SaviLock will review the submitted evidence from both parties and issue a determination. SaviLock's determination is final with respect to the release of funds held under the disputed contract.

    6.2 Peer-to-Peer Transfer Disputes

    SaviLock does not adjudicate disputes arising from peer-to-peer transfers made outside of a Milestone Contract. Users are responsible for their own due diligence before initiating such transfers.

    7. Disputes Between You and SaviLock -- Binding Arbitration

    PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

    Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Platform that cannot be resolved informally shall be resolved exclusively through binding arbitration, not in court. By using the Platform, you waive your right to a jury trial and your right to participate in a class action lawsuit.

    7.1 Informal Resolution First

    Before initiating arbitration, you agree to contact us at legal@savilock.com and provide a written description of the dispute and your requested resolution. We will attempt to resolve the matter within 30 days. If unresolved after 30 days, either party may proceed to arbitration.

    7.2 Arbitration Rules

    Arbitration shall be conducted by a mutually agreed upon arbitration provider under its consumer arbitration rules, or if no agreement is reached, by JAMS under its Streamlined Arbitration Rules. The arbitration will be conducted in English. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

    7.3 Class Action Waiver

    You agree that any arbitration or proceeding shall be limited to the dispute between you and SaviLock individually. You waive any right to bring or participate in any class, collective, consolidated, or representative action.

    7.4 Exceptions

    Notwithstanding the above, either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Small claims court actions within applicable jurisdictional limits are also exempt from this arbitration requirement.

    8. Governing Law

    These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law principles. To the extent any matter is not subject to arbitration under Section 7, you consent to the exclusive jurisdiction of the state and federal courts located in Delaware.

    9. Intellectual Property

    All content, features, and functionality on the Platform -- including but not limited to the SaviLock name, logo, design, text, graphics, and software -- are owned by Afrid Partners LLC and are protected by applicable intellectual property laws.

    You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purposes in accordance with these Terms. You may not copy, modify, distribute, sell, or create derivative works from any part of the Platform without our prior written consent.

    By submitting content to the Platform -- including profile information, listings, and communications -- you grant SaviLock a non-exclusive, royalty-free, worldwide license to use, display, and distribute that content solely for the purpose of operating and improving the Platform.

    10. Third-Party Services

    The Platform integrates with Flutterwave for payment processing, fund custody, and currency conversion. Your use of Flutterwave's services through the Platform is subject to Flutterwave's own terms of service and privacy policy. SaviLock is not responsible for Flutterwave's actions, omissions, service interruptions, or errors

    The Platform may also contain links to or integrations with other third-party services. SaviLock does not endorse and is not responsible for the content, practices, or availability of any third-party service.

    11. Disclaimers

    THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

    SaviLock does not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components. SaviLock does not verify the identity, qualifications, or reliability of any user and makes no representations about the quality of services offered or performed by users on the Platform

    11. Disclaimers

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVILOCK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS, LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF GOODWILL. IN NO EVENT SHALL SAVILOCK'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO SAVILOCK IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) USD $100.

    Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

    12. Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SAVILOCK AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, INCLUDING BUT NOT LIMITED TO LOSS OF FUNDS, LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF GOODWILL. IN NO EVENT SHALL SAVILOCK'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO SAVILOCK IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) USD $100.

    Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

    13. Indemnification

    You agree to indemnify, defend, and hold harmless SaviLock, Afrid Partners LLC, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:

  • Your use of the Platform or violation of these Terms
  • Your breach of any representation or warranty made in these Terms.
  • Any contract, dispute, or transaction between you and another user.
  • Any content you submit, post, or transmit through the Platform.

    • 14. Account Suspension and Termination

    SaviLock reserves the right to suspend or terminate your account at any time, with or without notice, for any of the following reasons:

  • Violation of these Terms or our Acceptable Use Policy.
  • Fraudulent, abusive, or illegal activity on the Platform.
  • Failure to verify your identity when required.
  • Extended inactivity, at SaviLock's discretion

    • You may close your account at any time by contacting support@savilock.com. Account closure does not affect obligations arising before the closure date, including any open contracts or outstanding disputes.

    15. Modifications to These Terms

    SaviLock reserves the right to modify these Terms at any time. When we make material changes, we will notify you via email or a prominent notice on the Platform at least 14 days before the changes take effect. The revised Terms will be identified by an updated effective date.

    Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the changes, you must close your account before the effective date.

    16. Contact

    For questions about these Terms or your account, contact us at:

    SaviLock / Afrid Partners LLC General: support@savilock.com Legal: legal@savilock.com Website: https://savilock.com/support

    These Terms were last updated on June 1, 2026