Terms of Use

IMPORTANT NOTICE: THIS AGREEMENT IS SUBJECT TO BINDING ARBITRATION AND A WAIVER OF CLASS ACTION RIGHTS AS DETAILED IN SECTION 13 BELOW. PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE APP OR SERVICES.

These Terms of Use (together with the I Sabi Millions Privacy Policy, Official Contest Rules, Payments, Refunds & Disputes Policy, Responsible Play Policy, and Community Guidelines, collectively the “Terms of Use”) govern your use of the I Sabi Millions application (the “App”) and all services, features, content, or applications offered by BMO Projects Ltd (“Company”, “we”, “us”, or “our”) in connection with the App (collectively, the “Services”). By signing up for, installing, or using the App in any manner, you agree to be bound by these Terms of Use.

1. Acceptance of Terms

1. By signing up for, installing, and/or using the App, you agree to these Terms of Use and all other operating rules, policies, and procedures published from time to time by us through the App, each incorporated by reference.
2. Certain Services are subject to additional terms, including the I Sabi Millions Official Contest Rules (https://www.isabimillions.com/official-rules), incorporated into these Terms by reference.
3. These Terms of Use apply to all users of the Services, whether registered or unregistered.

4. ARBITRATION NOTICE AND CLASS ACTION WAIVER: EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN SECTION 13 BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

2. Eligibility

You represent and warrant that you are an individual person of at least 18 years of age. If you are under age 18, you may not, under any circumstances, use the Services. We may refuse to offer the Services to any person or entity and change our eligibility criteria at any time.

You are solely responsible for ensuring that your use of the Services complies with all laws, rules, and regulations applicable to you. The right to access the Services is revoked where these Terms of Use or the use of the Services conflicts with any applicable law or regulation. The Services are offered only for your personal, non-commercial use.

3. Registration

To sign up for the Services, you must register for an account (“Account”) using a verified phone number. You must provide accurate and complete information and keep your Account information updated at all times.

You shall not: (i) use a username that impersonates another person; (ii) use a username subject to third-party rights without authorisation; or (iii) use a username that is offensive, vulgar, or obscene.

You are solely responsible for all activity on your Account and for keeping your credentials secure. Notify us immediately of any breach at support@isabimillions.com.

One Account Per User: Each user may establish and control only one Account. Users may not “co-own” Accounts. Company reserves the right to suspend or terminate all accounts and revoke any Prizes where it determines you have opened or controlled more than one Account.

Tax liabilities on winnings are the sole responsibility of the winner. Winners may be required to provide tax identification information as required under Nigerian law.

4. Content

1. Definition. “Content” includes, without limitation, information, data, text, photographs, videos, audio clips, written posts and comments, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible on or through the Services.
2. User Content. All Content added, created, uploaded, submitted, or distributed to the Services by users (“User Content”) is the sole responsibility of the person who originated it. You represent that all User Content provided by you is accurate, complete, up to date, and in compliance with all applicable laws. You retain ownership of your User Content.
3. Notices and Restrictions. The Services contain Content protected by copyrights, trademarks, service marks, patents, trade secrets, and other proprietary rights and laws. You shall abide by all copyright notices and restrictions in any Content accessed through the Services.
4. Use Licence. We grant each user a worldwide, non-exclusive, non-sublicensable, and non-transferable licence to use Content solely for the purpose of using the Services. Use, reproduction, modification, distribution, or storage of any Content (other than your own User Content) for any other purpose is expressly prohibited without our prior written permission.
5. Licence Grant. By submitting User Content, you grant us a worldwide, non-exclusive, perpetual, royalty-free, fully paid, sublicensable, and transferable licence to use, edit, reproduce, distribute, prepare derivative works of, display, and exploit the User Content in connection with the Services and our businesses. This licence survives termination of your Account.
6. Availability of Content. We reserve the right to remove, edit, modify, or manage any Content at any time, without notice and for any reason.

5. Rules of Conduct

1. As a condition of use, you agree not to use the Services for any purpose prohibited by these Terms of Use. Violation of our rules may result in termination of your Account and forfeiture of your winnings.
2. By way of example and not limitation, you shall not — and shall not permit any third party to — upload, post, submit, or facilitate distribution of any Content that:
   1. Infringes any intellectual property right of any person or entity, or violates any law or contractual duty, including facilitating unauthorised rebroadcast of I Sabi Millions content (see Section 14);
   2. Uses screen reader technology, algorithms, artificial intelligence tools, or any automated means to interpret, analyse, or research a question, or to submit an answer;
   3. You know to be false, misleading, or inaccurate, including providing inaccurate contact or Account information;
   4. Illicitly creates, duplicates, transfers, or sells Extra Lives, Comot items, or other in-app benefits outside the official in-app wallet system;
   5. Results in the creation or operation of multiple user Accounts;
   6. Creates multiple entries into Contests by any means, including multi-accounting;
   7. Manipulates the XP system through automated activity, multi-account schemes to accumulate referral XP, or any means not reflecting genuine participation in a live Game Session or Practice (see Section 8.7 for the definition of XP and Rank);
   8. Logs an Account into more than one (1) device simultaneously or maintains the Account on more than one device — each Account is restricted to a single registered device; users wishing to change their registered device must deregister the prior device through Account Settings;
   9. Enters you into a Contest for which you are not eligible by any means, including masking or altering your IP address;
   10. Results in the sale or transfer of your Account;
   11. Is unlawful, threatening, abusive, harassing, defamatory, fraudulent, invasive of privacy, obscene, pornographic, or otherwise inappropriate as determined in our sole discretion;
   12. Constitutes unsolicited advertising or bulk messaging (“spamming”);
   13. Contains software viruses, malware, or any code designed to disrupt, damage, or obtain unauthorised access to any system; or
   14. Includes anyone’s identification documents or sensitive financial information.
3. You shall not: (i) impose an unreasonable load on our infrastructure; (ii) interfere with the proper working of the Services; (iii) bypass any security measures; (iv) use automated software to “crawl” or “spider” any page without our written permission; (v) harvest or scrape any Content from the Services; or (vi) otherwise violate our guidelines and policies.
4. You shall not: (i) decompile, disassemble, or reverse engineer any part of the Services; (ii) create derivative works of any part of the Services; or (iii) copy, rent, lease, or distribute any of the rights you receive under these Terms.
5. We reserve the right to access, read, preserve, and disclose any information as we reasonably believe necessary to: (i) comply with applicable law; (ii) enforce these Terms; (iii) detect, prevent, or address fraud, security, or technical issues; (iv) respond to user support requests; or (v) protect the rights, property, or safety of us, our users, and the public.
6. If the Service is not running as planned due to corruption, technical failure, fraud, or any other cause, Company reserves the right to disqualify any individual implicated and to cancel, terminate, modify, or suspend the Service and select winners from all eligible entries.

6. Third-Party Services

The Services may permit you to access third-party websites, services, or resources. We are not responsible for the content, functions, accuracy, legality, or appropriateness of such third-party resources. We shall not be liable, directly or indirectly, for any damage or loss caused by your use of or reliance on any third-party content or services.

7. Location-Based Services

We may offer optional features based on user location. You may opt out at any time by disabling location permissions in your device settings. Should you use location-based features, you consent to our collection and use of your location information as described in our Privacy Policy.

8. In-App Wallet and Purchases

8.1 Overview

Through the App, you may purchase in-game items and credits (“Goods”) via the I Sabi Millions in-app wallet (“Wallet”), powered by Paystack as our authorised payment processor. Goods include, without limitation, Extra Lives, Comot items, per-session game entry fees, and subscription plans.

8.2 Wallet Top-Up via Website

Your Wallet is topped up exclusively through the I Sabi Millions website (https://www.isabimillions.com), where you fund your Wallet using Paystack. Your updated Wallet balance syncs in real time to the App. This approach ensures that in-app gameplay is funded from your pre-loaded Wallet rather than through direct in-app payment, maintaining compliance with applicable platform policies.

8.3 Access Tiers

• Free-to-Play: Certain Game Sessions are available at no cost, subject to availability and Sponsor’s discretion.
• Pay-to-Play (Per Session): Certain Game Sessions require a one-time entry fee debited from your Wallet.
• Subscription Plans: We may offer subscription plans granting access to scheduled Game Sessions during the subscription period, as described in the App.

8.4 Payment Processing

All payment transactions are processed by Paystack and subject to Paystack’s terms and privacy policy (https://paystack.com). We do not store your payment card details directly.

8.5 App Store Compliance

Wallet top-ups are completed exclusively through the I Sabi Millions website (isabimillions.com) using Paystack, outside the App itself. Within the App, users spend pre-loaded Wallet credits only. This model is designed to be consistent with Apple App Store and Google Play Store platform policies regarding in-app purchases. Company will keep this approach under review as platform policies evolve and will update these Terms if the payment architecture changes.

8.6 Refunds and Expiry

All purchases of Goods are final and non-refundable, except where required by applicable law. Unused Wallet credits remain valid for twelve (12) months from the date of purchase. Credits not used within this period may be forfeited at Company’s discretion. We reserve the right to modify or discontinue any Goods at any time.

9. Termination

We may terminate your access to all or any part of the Services at any time, with or without cause, with or without notice, effective immediately. All provisions of these Terms of Use which by their nature should survive termination shall survive, including licences of User Content, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Warranty Disclaimer

1. We have no special relationship with or fiduciary duty to you. You acknowledge that we have no duty to take any action regarding which users gain access to the Services, what Content you access, or how you interpret or use it.
2. The views and opinions of our hosts are their own and are not necessarily representative of the views and opinions of Company. Company assumes no responsibility for the content, accuracy, or views expressed by such hosts.

THE SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE, AND OUR DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS, PARTNERS, AND CONTENT PROVIDERS DO NOT WARRANT THAT: (I) THE SERVICES WILL BE SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (II) ANY DEFECTS OR ERRORS WILL BE CORRECTED; (III) ANY CONTENT OR SOFTWARE AVAILABLE THROUGH THE SERVICES IS FREE OF VIRUSES OR HARMFUL COMPONENTS; OR (IV) THE RESULTS OF USING THE SERVICES WILL MEET YOUR REQUIREMENTS. YOUR USE OF THE SERVICES IS SOLELY AT YOUR OWN RISK.

11. Indemnification

You shall defend, indemnify, and hold harmless BMO Projects Ltd, our affiliates, and each of our respective employees, contractors, directors, suppliers, and representatives from all liabilities, claims, and expenses, including reasonable legal fees, arising from or relating to your use or misuse of the Services, Content, or User Content, your violation of these Terms of Use, or infringement by you or any third party using your Account of any intellectual property or other right.

12. Limitation of Liability

IN NO EVENT SHALL WE, NOR OUR DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR CONTENT PROVIDERS, BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE, OR ANY OTHER LEGAL OR EQUITABLE THEORY WITH RESPECT TO THE SERVICES (I) FOR ANY LOST PROFITS, DATA LOSS, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, COMPENSATORY, OR CONSEQUENTIAL DAMAGES OF ANY KIND; (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE; OR (III) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) THE GREATER OF (A) THE VALUE OF PRIZES YOU HAVE WON DURING THE IMMEDIATELY PRECEDING THREE (3) MONTH PERIOD OR (B) ONE HUNDRED THOUSAND NAIRA (₦100,000).

13. Dispute Resolution

IMPORTANT: Before commencing arbitration, you must first follow the internal complaints procedure in Section 13.1. Your right to complain to the LSLGA or any other regulatory authority is preserved at all times and is not affected by this Section — see Section 13.5.

13.1 Internal Complaints — Mandatory First Step

Before either party may initiate arbitration under this Section 13 (except for matters covered by Section 13.6 or regulatory complaints under Section 13.5), the party with a grievance must first submit a formal written complaint to the other party and allow a reasonable opportunity for resolution.

• User complaints to Company: Submit your complaint in writing to support@isabimillions.com with the subject line “Formal Dispute Notice”, including your registered phone number, a clear description of the issue, and the remedy sought.
• Company complaints against a user: Company will send written notice to the user’s registered phone number and email address.
• The receiving party must respond substantively within fifteen (15) business days of receipt.
• If the dispute is not resolved within thirty (30) days of the initial written complaint (or such longer period as the parties agree in writing), either party may proceed to arbitration under Section 13.2.
• Failure to respond within the applicable period does not constitute an admission of liability by either party.

The internal complaints procedure is a precondition to arbitration for qualifying Disputes. Failure to follow it may be taken into account in any cost award made in arbitration.

13.2 Binding Arbitration

Subject to Sections 13.1, 13.5, and 13.6, any unresolved Dispute arising under, out of, or in connection with these Terms of Use — including any question regarding their existence, validity, or termination — shall be referred to and finally resolved by binding arbitration administered by the Lagos Court of Arbitration (LCA) under its applicable arbitration rules in force at the time of the dispute (“LCA Rules”), which are incorporated into this clause by reference.

The arbitrator’s award shall be in writing, shall state the reasons for the award, shall be final and binding on the parties, and may be entered as a judgment in any court of competent jurisdiction. The arbitrator may grant any remedy that a Nigerian court of competent jurisdiction could grant, but may not award punitive damages except where expressly required by applicable Nigerian law.

13.3 Location and Participation

The seat of arbitration is Lagos, Nigeria. Hearings may be conducted in person in Lagos or by remote/virtual means as agreed between the parties or as directed by the arbitrator, having regard to the costs and convenience of all parties. All users — regardless of their state of residence within Nigeria or location within the African continent — retain the right to participate in arbitration under this clause. The arbitrator shall make reasonable arrangements to facilitate remote participation for users outside Lagos where in-person attendance would be disproportionately burdensome.

13.4 Arbitration Costs

The LCA’s standard filing and administrative fees shall be allocated as follows:

• For Disputes where the user’s claimed amount is ₦100,000 or less, the Company shall bear all LCA filing and administration fees. Each party shall bear its own legal representation costs.
• For Disputes where the user’s claimed amount exceeds ₦100,000, the LCA’s standard cost allocation rules apply. The arbitrator may, in the award, apportion costs having regard to the conduct of the parties and the outcome.
• The Company shall not seek its legal costs against a user who brings a claim in good faith, even if the claim is unsuccessful, unless the arbitrator finds the claim to have been vexatious or made in bad faith.

This cost framework is designed to ensure that arbitration does not operate as a financial barrier to users with legitimate low-value disputes. It does not prevent the Company from recovering filing fees paid where a user’s claim is found to be fraudulent or made in manifest bad faith.

13.5 Regulatory Complaints — Statutory Rights Preserved (LSLGA Priority)

This Section 13.5 takes priority over all other provisions of this Section 13. Nothing in this Section 13 limits, restricts, or excludes any statutory right you have to complain to a regulatory or governmental authority.

1. Unrestricted right to complain to the LSLGA. You may make a complaint to the Lagos State Lotteries and Gaming Authority (LSLGA) at any time — before, during, or after the internal complaints procedure in Section 13.1, and before, during, or after any arbitration commenced under Section 13.2. This right cannot be waived by agreement and is not affected by any other provision of these Terms of Use.
2. Other regulatory bodies. Your right to refer a matter to the National Lottery Regulatory Commission (NLRC), the Federal Competition and Consumer Protection Commission (FCCPC), or any other regulatory or statutory body with jurisdiction over our operations or your rights as a user is equally preserved without restriction.
3. Regulatory determination takes priority. Where the LSLGA or any other competent regulatory authority has accepted jurisdiction over a Dispute and is actively investigating or adjudicating it, any arbitration commenced in relation to the same matter shall be stayed automatically until the regulatory process is concluded. The regulatory authority’s determination shall be binding as between the parties in any subsequent arbitration or court proceedings to the extent permitted by law.
4. Company cooperation. The Company undertakes to cooperate fully and promptly with any investigation, audit, or inquiry conducted by the LSLGA or any other competent authority in connection with a complaint made by a user.
5. No retaliation. The Company shall not take adverse action against any user solely because that user has made, or indicated an intention to make, a complaint to a regulatory authority.

13.6 Exceptions — IP, Urgent Relief, and Small Claims

The arbitration obligation in Section 13.2 does not apply to the following, which may be brought directly before a Nigerian court of competent jurisdiction:

• Intellectual property. Either party may seek emergency or injunctive relief, or bring a claim, in a Nigerian court to protect intellectual property rights (including patents, copyrights, moral rights, trademarks, trade secrets, or confidential information).
• Urgent / interim relief. Either party may seek urgent injunctive or interim relief from a Nigerian court where delay in obtaining arbitral relief would cause irreparable harm. Commencing court proceedings for interim relief does not waive the right to arbitration on the underlying merits.
• Small claims. A user may bring a claim in the Magistrates Court of Lagos State under the applicable small claims procedure for disputes where the claimed amount does not exceed the jurisdictional small claims limit in force at the relevant time, without first completing the internal complaints procedure in Section 13.1.

13.7 Class Action Waiver

To the maximum extent permitted by applicable Nigerian law, the parties agree that any arbitration or court proceeding shall be conducted in their individual capacities only and not as a class action, consolidated action, or other representative action.

YOU AND COMPANY EACH AGREE TO BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY. NEITHER YOU NOR THE COMPANY MAY PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING, EXCEPT TO THE EXTENT THAT A COURT OF COMPETENT JURISDICTION DETERMINES THAT APPLICABLE NIGERIAN LAW REQUIRES OTHERWISE.

If a court or arbitrator determines that the class action waiver in this Section 13.7 is invalid or unenforceable as to a particular claim, only the class action waiver shall be severed as to that claim; the remainder of Section 13 shall continue in full force and effect, and the claim shall proceed to arbitration (or such other forum as the court or arbitrator directs) on whatever basis is permissible.

13.8 Thirty-Day Right to Opt Out

You have the right to opt out of the arbitration provisions of this Section 13 (Sections 13.2 through 13.7) by sending written notice within thirty (30) days of your first use of the Services to: BMO Projects Ltd, 1 Adeola Odeku Street, Victoria Island, Lagos, Nigeria, or by emailing legal@isabimillions.com with the subject line “Arbitration Opt-Out.” Your notice must include your full name and registered phone number. If you opt out, Section 13.1 (Internal Complaints) and Section 13.5 (Regulatory Rights) still apply. Opting out does not affect your access to the Services.

13.9 Changes to This Section

Company will provide not less than sixty (60) days’ written notice of any material changes to this Section 13, delivered through the App or to your registered contact details. Changes become effective on the 60th day following notice and apply prospectively only to Disputes arising after that date. If you do not opt out of the revised terms within thirty (30) days of the effective date, you are deemed to have accepted them.

13.10 Governing Law

These Terms of Use and all Disputes arising under them shall be governed by the laws of the Federal Republic of Nigeria, including applicable Lagos State laws, without regard to conflict of law provisions. For Disputes not subject to arbitration under this Section, you agree to submit to the personal and non-exclusive jurisdiction of the courts of Lagos State, Nigeria.

14. Content Protection and Copyright Policy

14.1 Purpose

BMO Projects Ltd respects intellectual property rights and expects all users to do the same. Pursuant to the Nigerian Copyright Act 2022 (as amended), we maintain a policy of responding to notices of alleged copyright infringement and taking appropriate action, including termination of Accounts of repeat infringers.

14.2 Reporting Copyright Infringement

If you believe that Content available through the Services infringes your copyright or other intellectual property right, submit a written notice (“IP Complaint Notice”) to our designated contact below. Your notice must include:

1. Your full legal name, address, telephone number, and email address;
2. A description of the copyrighted work or intellectual property you claim has been infringed;
3. A description of where the allegedly infringing material is located within the App or Services (with sufficient detail for us to locate it);
4. A statement that you have a good faith belief that the disputed use is not authorised by the copyright owner, its agent, or applicable law;
5. A statement confirming that the information in your notice is accurate, that you are the copyright owner or authorised to act on the copyright owner’s behalf, and that you understand making a false or misleading statement may expose you to liability under applicable Nigerian law; and
6. Your physical or electronic signature.

14.3 Counter-Notice

If you believe your Content was removed or disabled by mistake or misidentification, you may submit a counter-notice to the same address, including: your name, address, and phone number; identification of the removed Content; a statement that you have a good faith belief the Content was removed by mistake; and your signature.

14.4 Repeat Infringers

We reserve the right to terminate Accounts of users found to be repeat infringers of third-party intellectual property rights.

14.5 Prohibition on Unauthorised Rebroadcast

You may not rebroadcast, livestream, record, or otherwise distribute any I Sabi Millions live game show content through any platform or medium without our prior written consent. Unauthorised rebroadcast constitutes copyright infringement under the Nigerian Copyright Act 2022 and may be subject to civil and criminal liability.

15. Service Levels and Accessibility

15.1 Planned Availability

We aim to make the Services available 24 hours a day, 7 days a week, subject to planned maintenance windows and circumstances beyond our control. Live Game Sessions are scheduled at times communicated through the App, and we commit to providing advance notice of any changes to scheduled sessions where practicable.

15.2 Planned Maintenance

We will endeavour to carry out planned maintenance during off-peak hours and will provide not less than twelve (12) hours’ advance notice through the App where maintenance is expected to affect access to scheduled Game Sessions.

15.3 Unplanned Downtime

We shall use commercially reasonable efforts to restore the Services following unplanned outages. We do not guarantee uninterrupted or error-free service. Service interruptions during a live Game Session may, in Sponsor’s sole discretion, result in the Game Session being rescheduled, Prize amounts being carried over, or the Game Session being declared void.

15.4 Limitation of SLA Liability

No service level commitment in this Section 15 shall give rise to any liability, compensation, or credit to any user. These commitments are operational targets only and do not constitute contractual warranties.

16. Force Majeure

Company shall not be liable for any failure or delay in performance of its obligations under these Terms of Use where such failure or delay results from any cause beyond Company’s reasonable control, including but not limited to:

• Acts of God, natural disasters, floods, fires, earthquakes, epidemics, or pandemics;
• Acts of government, regulatory actions, embargoes, or sanctions imposed by Nigerian or foreign authorities;
• Civil unrest, strikes, labour disputes, riots, or terrorism;
• Failure of telecommunications networks, internet service providers, power grid infrastructure, or third-party service outages (including outages affecting Paystack, Firebase, or Amazon IVS);
• Cyberattacks, distributed denial-of-service attacks, or other malicious acts directed at our systems;
• Actions or inactions of third-party platforms (including Apple Inc. or Google LLC) resulting in App unavailability; or
• Any other cause beyond Company’s reasonable control.

In the event of a Force Majeure event, Company shall: (i) notify users through the App as soon as reasonably practicable; (ii) use commercially reasonable efforts to resume normal service; and (iii) reserve the right to cancel, reschedule, or modify any affected Game Session without liability. Prize amounts affected by a Force Majeure event may roll over to a future Game Session at Company’s discretion.

This Force Majeure clause shall not excuse Company’s obligation to pay Prizes already won and confirmed prior to the Force Majeure event.

17. Taxation

You acknowledge that all Prize winnings received through the Services are subject to applicable Nigerian tax obligations, including income tax assessable by the Nigeria Revenue Service (NRS) (formerly the Federal Inland Revenue Service, renamed by the Nigeria Revenue Service Act 2025) and any applicable state tax authority. You are solely responsible for declaring and remitting all applicable taxes on your winnings. Company does not provide tax advice, and nothing in these Terms of Use should be construed as tax advice. Company reserves the right to withhold applicable taxes from Prize payments and remit them to the relevant tax authority, and to request valid tax identification information from winners where required by law.

18. Device Terms — Apple and Google

In the event you access the Services via an application on a device or through an App Store operated by Apple Inc. (“Apple”) or Google LLC (“Google”) (each a “Manufacturer”):

1. These Terms of Use are concluded between you and Company only, not with the Manufacturer. The Manufacturer is not responsible for the Application or the Content.
2. The Application is licensed to you on a limited, non-exclusive, non-transferable, non-sublicensable basis, solely for private, personal, non-commercial use.
3. The Manufacturer has no obligation to furnish maintenance or support services with respect to the Application.
4. In the event of any failure of the Application to conform to any applicable warranty, you may notify the Manufacturer; its sole obligation shall be to refund the purchase price of the Application, if any.
5. Company, not the Manufacturer, is responsible for addressing any claims relating to the Application, including third-party intellectual property infringement claims.
6. You represent and warrant that you are not located in a country subject to a Nigerian Government embargo or designated as a “terrorist supporting” country, and that you are not on any Nigerian Government prohibited or restricted parties list.
7. The Manufacturer and the Manufacturer’s subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you.

19. Modification

Except with respect to Section 13 (Arbitration), we reserve the right in our sole discretion to modify or replace any of these Terms of Use, or to change, suspend, or discontinue the Services at any time by posting a notice on the App or by sending you notice through the Services or via electronic communication. Your continued use of the Services following notification of any changes constitutes acceptance of the revised Terms.

20. Miscellaneous

1. Entire Agreement. These Terms of Use are the entire agreement between you and us with respect to the Services and supersede all prior communications and proposals. If any provision is found unenforceable or invalid, it will be limited to the minimum extent necessary so that the Terms otherwise remain in full force and effect.
2. Force Majeure. See Section 16.
3. Assignment. These Terms are personal to you and may not be assigned, transferred, or sublicensed without our prior written consent. We may assign, transfer, or delegate any of our rights and obligations without your consent.
4. Agency. No agency, partnership, joint venture, or employment relationship is created by these Terms.
5. Notices. All legal notices under these Terms must be in writing. Electronic notices to Company should be sent to legal@isabimillions.com. Notices are deemed received when acknowledged by the intended recipient.
6. No Waiver. Our failure to enforce any part of these Terms shall not constitute a waiver of our right to later enforce that or any other part. Any waiver must be provided in writing by an authorised representative of Company.
7. Headings. Section and paragraph headings are for convenience only and shall not affect interpretation.
8. App Store Relationship. The App is not sponsored, endorsed, administered by, or associated with Apple Inc., Google LLC, or their subsidiaries or affiliates.

21. Contact

These Terms of Use were prepared in accordance with the laws of the Federal Republic of Nigeria.