Last Updated: 25th December 2021


  1. Introduction
    • The EquityPadi  website (available at (the “Platform”) is the official platform of “Olukowa”  operated  by Olukowa International Limited .The Platform enables registered users (“Users“) to register and play for a passion test and the system rewards them equitably based on scores, grade and accuracy.
    • Olukowa International Limited is incorporated and registered with the Corporate Affairs Commission of Nigeria (RC Number:1842456 ) 
    • Before you use the Platform, please make sure you have read, understood and agreed to this User agreement (“User Agreement”) and all documents referred to in it, including:
      •  Privacy Policy
      • EquityPadi’s Rule
      • FAQ and
      • Any additional terms, conditions and rules that apply to any special offers, promotions or bonuses which may appear on the Platform from time to time.

(together, the “Terms and Conditions“).

    • Employees of EquityPadi (each an “Employee”) and members of an Employee’s household are not eligible to win prizes on the platform.
    • The Terms and Conditions tell you the terms on which you may use the Platform and the services provided on the Platform (the “Services“). When you register as a User on the Platform, you will be asked to confirm that you accept the Terms and Conditions and that you agree to abide by them and you may be required to opt in to receive notifications and marketing related communications from us or our affiliated companies . At this point a legally binding agreement on the Terms and Conditions is concluded between you and us. If you do not agree to abide by the Terms and Conditions, you must not register as a User or use the Platform or the Services. You should also make sure that you have read and understood the Privacy Policy as this tells you how we will handle any personal data that you share with us. If there is any conflict or ambiguity between any of the documents set out above, they will take precedence in the order of priority in which they are listed above.


  1. Accessing the Platform
    • The Platform requires a computer, smartphone or other mobile device running either the iOS or Android operating systems (the device you use, the “Device“) and, to access the Platform and the latest features, you will need access to the internet and/or an app store that carries the EquityPadi App.
    • Access to the Platform and the Services is permitted on a temporary basis, and we reserve the right to withdraw or amend the Platform and the Services without notice, subject to the provisions of these Terms and Conditions relating to the  Test for passion. We will not be liable if for any reason the Platform is unavailable at any time. We do not guarantee that the Platform, or any content on it, will always be available or that it will be uninterrupted.
    • We may restrict access to some parts of the Platform to Users who have registered with us. We may suspend access to the Platform, or close it indefinitely, subject to the provisions of these Terms and Conditions relating to open Test and any unpaid prizes.
  2. Your account
    • You are free to browse the Platform but, if you want to take a test or comment on the News & Stats page, you are required to open an account with us (your “Account”) by completing the registration form.
    • By applying to register with us you declare that you meet all the following eligibility criteria:
      • you are at least 18 years old;
      • you have legal capacity and authority to enter into these Terms and Conditions;
      • you are a resident in Nigeria;
      • you do not have any other account open on the Platform, and you are acting on your own behalf and not on behalf of anyone else;
      • the information you provided on the registration form is correct, including (as applicable) your name, mobile number, email address, and any other information used to authenticate your identity; and
      • you have read and understood these Terms and Conditions and the Privacy Policy and agree to be fully bound by them.
    • By applying to register with us, you agree that we may verify your identity and the accuracy of the information you provided on the online registration form, including without limitation by requiring further information and/or proof of identity from you, and may pass your information on to third parties (including credit reference agencies) in order to do so. Failure to provide satisfactory verification information and/or proof of identity to us on demand may lead to your Account being suspended or terminated. The documentation requested to verify your Account may include, but is not limited to:
      • a scanned image of your passport or other government-issued ID document;
      • a recent utility bill or bank statement clearly showing your name and address; and/or
      • proof of ownership of the bank account in your name.
    • We reserve the right in our absolute discretion to refuse any application for registration to the Services and/or Platform and are not obliged to provide a reason to you for any such refusal.
    • As part of the Account opening process you will be required to choose a password for your Account. You must treat your password and Account details as confidential at all times, and you must not disclose them to any third party.
    • You agree that you are responsible for any use of your Account by a third party where such use is permitted or authorized by you or due to your fault or negligence. We are entitled to assume that any Test taken using your Account have been placed and initiated by you, where your password and login information has been correctly supplied. We will not be responsible or liable to you for any loss that you may incur as a result of misuse of your password, and we accept no responsibility or liability resulting from its use by a third party.
    • Your Account is personal to you and may not be transferred to a third party.
    • You must inform us of any change to your information as provided at the time you registered with us immediately and you must inform us as soon as you are aware of any mistakes or inaccuracies in the information that we hold about you.
  3. Using the Platform


  • You may use the Platform for lawful purposes only. You may not use the Platform:
    • in any way that breaches any applicable local, national or international law or regulation or these Terms and Conditions;
    • in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect; or
    • to transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam).

Unauthorised Access and Use

  • You agree not to (and not to authorize any third party to):
    • hack or attempt to hack the Platform or other Users’ Accounts;
    • infringe our intellectual property rights or those of any third party in relation to your use of the Platform;
    • rent, lease, sub-license, loan, translate, merge, reproduce, duplicate, copy, re-sell any part of the Platform (or attempt to do any of these things);
    • access without authority, interfere with, modify, reverse-engineer, decompile, damage, disrupt or creative derivative works of: any part of the Platform or its source code; any equipment or network on which the Platform is stored; any software used in the provision of the Platform; or any equipment or network or software owned or used by any third party, including any software you may need to download to use our Services (or attempt to do any of these things);
    • combine the Platform with, or incorporate it into in, any other programs;
    • do anything which hinders the performance of the Platform;
    • take any action to conceal or disguise the IP address of the device you are using to access the Platform;
    • infringe or attempt to infringe the privacy of another User of the Platform;
    • take any action to manipulate artificially the Platform, feedback and/or ratings systems for whatever purpose;
    • transmit any material that is defamatory, offensive or otherwise objectionable in relation to your use of the Platform and / or our Services;
    • use the Platform by automated means or otherwise for the purposes of scraping, extracting or otherwise obtaining any material from the Platform for use within a third party website or application;
    • collect or harvest any information or data from the Platform or our systems or attempt to decipher any transmission to or from the servers running the Platform;
    • provide or otherwise make available the Platform in whole or in part (including object and source code) in any form to any person without prior written consent from us; or
    • comply with all technology control or export laws and regulations that apply to the technology used or supported by the Platform.
  • You acknowledge that you have no right to have access to the Platform in source-code form.

Unfair Practices

  • You are not permitted to misuse the Platform or engage in any unfair practices when taking a Test in any way, including the following (together “Unfair Practices”):
    • cheating or colluding with any other User(s) or engaging in any type of syndicate play to confer an advantage on the User;
    • accumulating points or prizes through unauthorized methods such as automated bots, or other automated means;
    • using automated means (including but not limited to harvesting bots, robots, parsers, spiders or screen scrapers) to obtain, collect or access any information on the Platform or of any User for any purpose;
    • tampering with the administration of a Test or trying to in any way tamper with the computer programs or any security measure associated with a Test; or
    • falsifying or disguising your own personal information or engaging in any type of financial fraud or misrepresentation including unauthorized use of credit/debit instruments, payment wallet accounts etc. to enter a Test or claim a prize; or
    • engaging in any other method of unfairly increasing your chances of winning.
  • You declare that at the time you play a Test, you have no knowledge as to the outcome of the respective events. Entries to Test on events in which you have gained access to insider information are not allowed. If we suspect any User has engaged in Unfair Practices or had insider knowledge of the Test before entering it, we may void the Test  entry and refuse to pay out winnings. We may also take any further action to protect its legitimate interests and to comply with other laws and regulations.


  • We do not guarantee that the Platform will be totally secure or free from bugs or viruses. You are responsible for configuring your information technology, Devices and computer programs in order to access the Platform and we recommend that you use your own virus protection software.
  • You must not misuse the Platform by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to the Platform, the server on which the Platform is stored or any server, computer or database connected to the Platform. You must not attack the Platform via a denial-of-service attack or a distributed denial-of service attack. By breaching this provision, you would commit criminal offences. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Platform will cease immediately.
  • You agree to inform us as soon as you encounter any errors in the Platform.
  1. Taking a Test
    • Each Contest will be governed by the relevant sections of the Terms and Conditions (as amended from time to time). By Registering as a User, you accept and agree to abide by the Terms and Conditions.
    • We will be the sole decision-maker of any matter of interpretation of the Terms and Conditions and any aspect of the content of, or taking of, the Test. We will not enter into correspondence relating to such matters and its decision as to any matter arising out of or in connection with the Terms and Conditions. The allocation of points to any User and/or the award of any prize and/or any ranking or league table as determined by our system shall be final and conclusive.
    • An entry to a Test is not valid until it has been confirmed by us. Each valid Test entry will be confirmed on the screen and on the Platform.
    • You may only enter the Test  provided on the Platform and Users cannot create custom Test.
    • You are solely responsible for all information (whether entered correctly or incorrectly) that you provide when entering a Test.
    • Your entry and participation in a Test may be interrupted or prevented as a result of any hardware, software or network failure (for example, if your Device battery runs out, software malfunctions or your internet connection fails, or if the Platform or software fails for any reason). If this happens whilst you are taking a Test, our records will be definitive evidence of whether or not the Test was successfully entered before the failure.
    • We reserve the right to suspend or cancel any Test at any time prior to the Test start date without notice. All Tests are entered at your own risk and discretion.
    • We reserve the right in our sole discretion to withhold payment of prizes and to cancel or adjust Tests relating to any event if we have evidence that the integrity of the event has been called into question (including without limitation in relation to match fixing). Any decision given by the governing body of the sport in question will be conclusive.
    • We reserve the right in our sole discretion to disqualify you from any Test if we have reason to suspect that you have engaged in any Unfair Practices or have otherwise breached these Terms and Conditions or any applicable laws. Any such breaches or suspected breaches may result in us taking a range of actions against you including:
      • disqualifying you from Tests in which case you will not be eligible to receive any prize that you would have won in the Test;
      • placing limits on your Account privileges including but not limiting to restricting your ability to enterTests;
      • suspension and/ or termination of your Account; and/or
      • reporting you to any relevant regulatory, investigatory or enforcement authority.
    • We reserve the right in our sole discretion to void the results of any Test where (i) the outcome is already known when the Test was entered; or (ii) the outcome of the relevant event cannot reasonably be determined. We will endeavour to contact the Player and explain decisions when voiding Test entries.
    • We will contact the relevant Users via email in the case of any actual or suspected breaches of these Terms and Conditions, any applicable law or the general principles and values of our platform.
  2. Underage Users
    • We take our responsibility to prevent those under 18 from entering Tests very seriously. If we are informed or otherwise become aware that you are under 18 or were under 18 when you entered any Test then your Account will be immediately frozen whilst we investigate. Should we find that you are or were under 18 when you entered any Test, your account will be closed and de-registered with immediate effect and any live entries will be null and void. We will retain any winnings which you may have or are due to your Account, and you must refund or pay to us on demand any other winnings gained from Tests entered whilst you were underage.
  3. Prize Winners
    • We will notify you if you have won  through your Account and we may request certain documents from you at this stage in order to verify your identity and your eligibility to enter the Test and earn. You must provide these documents within the timeframe specified in your prize notification in order to be eligible to receive what you earned. You represent and warrant that any documents that you provide to us in the course of the verification process will be true copies of the original documents to which they relate.
    • Any announcement on the Leaderboard is pending verification and is not final confirmation.
    • If you earn from any Test. What you earned will be credited to your EquityPadi wallet. You can initiate a transfer to your bank accout or use your earnings to play new Tests on the platform.
    • If we are not able to make contact with you after taking reasonable efforts based on the contact information you have provided in your User account, or if you do not provide the correct verification documents within the required timeframe or, after reviewing the documents you do provide, we are not satisfied (acting reasonably) that you met our eligibility criteria at the time that you entered the relevant Test or at any time thereafter, you will not be eligible to get what you earned. At our sole discretion, we may choose to distribute the earnings to the next highest ranking User in the Test, or we may choose not to award the earnings.
    • Entry and participation in the Test constitutes permission for the Operator and and/or its associated, affiliated and subsidiary companies to use the names, scores and photographs of Users for publishing purposes at their discretion, including but not limited to, leaderboards and other display on the Platform and/or related applications. All winners may be required to participate in such publicity as the Operator reasonably requires.
  4. Closure of your Account
    • If you breach any of the terms of these Terms and Conditions, we may immediately do any or all of the following (without limitation):
      • issue a warning to you;
      • temporarily or permanently withdraw your right to use the Platform;
      • suspend or terminate or deregister your Account;
      • issue legal proceedings against you for reimbursement of all costs resulting from the breach (including, but not limited to, reasonable administrative and legal costs);
      • take further legal action against you; and/or
      • disclose such information to law enforcement authorities as we reasonably feel it is necessary to do so.
    • If we withdraw your right to use the Platform, then:
      • all rights granted to you under these Terms and Conditions shall cease;
      • you must immediately cease all activities authorized by these Terms and Conditions, including your use of any Services provided through the Platform; and
      • you must immediately delete or remove the Platform from all Devices, and immediately destroy all copies of the Platform then in your possession, custody or control.
    • Multiple Accounts with different email addresses, and/or different names, etc. for one individual person are not allowed. If, in our opinion, you have more than one Account (“Duplicate Account(s)”), we may elect at any time to: (i) keep your Account and Duplicate Accounts open; (ii) close your Account and all of your Duplicate Accounts; and/or (iii) keep open the first Account opened by you or on your behalf and delete all Duplicate Accounts. If we close any Account or Duplicate Account in these circumstances we may, at our entire discretion, void all Test entries made through any Account or Duplicate Account (as applicable) and you will forfeit any related earning.
  5. Intellectual Property Rights
    • We grant to you a non-transferable, non-exclusive, revocable license to use the Platform on the Devices provided that you comply with these Terms and Conditions. We reserve all other rights.
    • We are the owner or the licensee of all intellectual property rights in the Platform and in the material published on the Platform. Certain intellectual property rights featured on the platform such as trademarks and crests of sporting clubs and competition names, leads and events may belong to third party rights holders and may not be infringed or otherwise utilized by you Those works are protected by intellectual property laws and treaties around the world. All such rights are reserved.
    • You are not granted any right to use, and may not use, any of our intellectual property rights other than as set out in these Terms and Conditions. You may only use the Platform for your own domestic, private and non-commercial use. You must not use any part of the materials on the Platform for commercial purposes without obtaining a license to do so from us or our licensors.
    • No part of the Platform, including, without limitation, the text, designs, graphics, photographs, logos and trademarks (whether registered or unregistered) and images contained in it, may be copied, reproduced, republished, uploaded, re-posted, modified, transmitted or distributed or otherwise used in any way for any non-personal, public or commercial purpose without our prior written consent.
  6. Our Liability
    • We endeavour to ensure that the Platform is available to Users as much as is reasonably possible, but we cannot and do not guarantee that: (i) the Platform will be available at any specific time or for any specific period; or (ii) that the features, functionality or performance of the Platform or the Services on it will meet your requirements or those of anyone else; or (iii) that the Platform or the Services on it or the features and functionality of either of them are, or will be, compatible with, or available on, the device or system used by a User to access the Platform.
    • We shall only be liable as expressly provided in these Terms and Conditions, but shall have no other obligation, duty or liability whatsoever in contract, tort (including negligence), breach of statutory duty or otherwise.
    • Nothing in these Terms and Conditions shall exclude or restrict our liability for death or personal injury resulting from our negligence or for fraud.
    • We shall not be liable for any loss or damage that may arise from any aspect of the Platform or its availability or functionality not within our reasonable control.
    • We shall not be responsible for any consequences resulting from major incidents such as any strike, terrorist activities, political crisis, war, and saturation of the telecommunication networks, natural catastrophe, epidemic or pandemic (including SARS-COV2 or similar outbreak of disease) or any other matter beyond our control, which could lead to a total or partial reduction in the events to which the Tests relate and/or in the access to our Services, on internet or by phone. In such an event, we may (in our sole and absolute discretion) cancel or suspend our Services without incurring any liability.
    • The Operator will not be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise for any loss (including for any consequential losses, special damages, loss of business, loss of expectation or loss of profit or goodwill) that could not have been reasonably expected by the User and the Operator at the time of entering into these Terms and Conditions. Loss or damage would be reasonably expected by the User and the Operator if it is an obvious consequence of our breach or if it was contemplated by you and us at the time that you opened an Account with us, howsoever caused or arising, whether through non-supply or late supply of the Platform or any Service available through it, non-performance of these Terms and Conditions or otherwise.
    • The Operator will not be liable, whether in contract, tort (including negligence), breach of statutory duty or otherwise in respect of:
      • the refusal to allow any person to enter a Test in accordance with these Terms and Conditions; or
      • or any losses caused arising from the misuse or unauthorized use of passwords; or
      • the corruption of data sent by you to us or by us to you.
    • Except as expressly stated elsewhere in these Terms and Conditions, all representations, warranties, conditions and other terms, whether express or implied (by common law, collaterally or otherwise) are hereby excluded, except in the case of fraud, or where such exclusion is not permitted by applicable law.
    • The Platform may contain inaccuracies or typographical errors. We make no representations about the reliability, availability, timeliness or accuracy of the content included on the Platform.
  7. Information about you and your visits to the Platform
    • In submitting a Registration and becoming a User, you will be providing us with personal data. Any personal data which you submit will be processed in accordance with our Privacy Policy and in accordance with applicable data protection legislation.
  8. Links from the Platform
    • Where the Platform contains links to, or refers to URLs of, other sites and resources provided by third parties, these links or URLs are provided for your information only. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them.
    • We may revise these Terms and Conditions at any time by posting an amended version on the Platform. We will always try to give you advance notice of any upcoming changes to these Terms and Conditions by posting the new version on the Platform at least 30 days before the changes take effect. However, this might not always be possible, for instance if the changes are required in order to comply with a change in law or regulations or in response to a complaint or claim from a third party. We will use reasonable efforts to ensure that any important changes will be notified to you by an appropriate method, such as a notice on the Platform. However, it is your responsibility to check the Terms and Conditions regularly to take notice of any changes we make, and you agree to do so. Any changes to the Terms and Conditions are binding on you from the first time you visit the site after the relevant change has taken effect. If you do not agree with any changes or additions we make, please refrain from using the Platform.
    • From time to time updates and / or software patches to the Platform may be done by our developers. Depending on the update, you may not be able to use the Platform until you have downloaded the latest version of the Platform and accepted any new terms.
    • You will be assumed to have obtained permission from the owners of any Devices that are controlled, but not owned, by you to download a copy of the Platform onto the Devices. You and they may be charged by your and their service providers for internet access on the Devices. You accept responsibility in accordance with the terms of these Terms and Conditions for the use of the Platform or the Services on or in relation to any Device, whether or not it is owned by you.
  9. Assignment
    • You may not assign or transfer any of your rights or obligations under these Terms and Conditions. We may at any time and in our sole discretion assign or transfer any of our rights or obligations under these Terms and Conditions to any member of our group (which means our subsidiaries, our ultimate holding company and its subsidiaries) and/or to any third party in conjunction with the transfer of all or part of our business and assets. We will inform you of any transfer and assignment of a contract, whether in full or in part, on the Platform. By using the Platform and/or entering a Test on your next visit, you indicate that you accept the transfer and/or assignment.
  10. Waiver
    • If we fail to insist that you perform any of your obligations under these Terms and Conditions, or if we do not enforce our rights against you, or if we delay in doing so, that will not mean that we have waived our rights against you and will not mean that you do not have to comply with those obligations. If we do waive a default by you, we will only do so in writing, and that will not mean that we will automatically waive any later default by you.
  11. Severance
    • Each of the provisions of these Terms and Conditions operates separately. If any provision (or part of a provision) of these Terms and Conditions is found by any court or administrative body of competent jurisdiction to be invalid, unenforceable or illegal, the other provisions shall remain in full force and effect.
    • If any invalid, unenforceable or illegal provision would be valid, enforceable or legal if some part of it were deleted, the provision shall apply with whatever modification is necessary to give effect to the commercial intention of the parties.
  12. Whole agreement
    • These terms and conditions represent the whole of the agreement between us and you, and replace any previous written or verbal agreement, communicated by or to us.
  13. Third party rights
    • Except where expressly otherwise provided, these Terms and Conditions are between, and are not intended to give rights to anyone other than, you and us and do not create any third party beneficiary rights. No third party will have any rights to enforce any provision of these Terms.
  14. Governing law and jurisdiction
    • These Terms and Conditions are governed by the laws of Nigeria. This means that your access to, use of the Platform, any entries to a Test and any dispute or claim arising out of or in connection therewith (including non-contractual disputes or claims), will be governed by Nigeria law. 
    • Where the Terms and Conditions are published in several languages, the English version of the Terms and Conditions will supersede and take precedence over any conflicting elements with other languages.
    • Any dispute arising out of or in connection with these Terms and Conditions, including their subject matter or formation, shall be subject to the exclusive jurisdictions of the courts of Nigeria.
  15. Your concerns
    • If you have any concerns, questions or comments about the Platform or these Terms and Conditions, please contact us by email at
    • Should you have any reasons for a complaint, we will endeavor to resolve the issue and avoid any re-occurrence in the future. You can always contact us by email at
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