1. Overview
This agreement outlines the terms under which Yearzbuddy Technologies LTD (“Yearzbuddy,” “we,” “our”) receives funds from users (“you,” “user,” “client”) for the purpose of holding such funds temporarily and placing them in interest-generating platforms.
By joining this program, you agree to the following terms.
2. Purpose of Holding Funds
Users may transfer funds (either in Naira or stablecoin) to Yearzbuddy for:
• Temporary safekeeping.
• Use in interest-generating financial tools such as PiggyVest, etc, or similar reputable fintech
platforms.
• Earning a guaranteed fixed return of 10% per annum (0.83% monthly).
3. How Your Funds Are Used
At Yearzbuddy, we prioritize the safety and responsible handling of client funds. When users opt to deposit or hold funds with us, those funds are allocated exclusively to secure, regulated, interest-yielding financial platforms. These platforms are carefully selected based on credibility, performance, and compliance with financial standards.
Our objective is to ensure the value of your funds is preserved and potentially optimized through low-risk financial tools. Yearzbuddy does not engage in speculative investments, cryptocurrency trading, or high-risk financial instruments. All fund placements are managed internally with appropriate oversight to maintain the integrity, transparency, and long-term sustainability of this service.
Funds remain accessible according to the terms agreed upon, and Yearzbuddy maintains full discretion over how they are managed within the outlined low-risk framework.
By joining this program, you agree to the following terms.
4. Minimum Holding Period
• Minimum term: 30 days.
• You may request a withdrawal after 30 days. Early withdrawals may result in zero interest payout.
5. Interest Payout
• Your funds will earn 10% annualized interest, paid monthly or quarterly, depending on the holding term.
• Payouts may be made in Naira or stablecoin, depending on your initial deposit method.
6. No Financial License Disclaimer
Yearzbuddy is not a licensed bank or investment manager under Nigerian law.
We act as an intermediary, placing funds in already licensed fintech products and do not guarantee interest beyond our stated 10% offer.
Our objective is to ensure the value of your funds is preserved and potentially optimized through low-risk financial tools. Yearzbuddy does not engage in speculative investments, cryptocurrency trading, or high-risk financial instruments. All fund placements are managed internally with appropriate oversight to maintain the integrity, transparency, and long-term sustainability of this service.
Funds remain accessible according to the terms agreed upon, and Yearzbuddy maintains full discretion over how they are managed within the outlined low-risk framework.
By joining this program, you agree to the following terms.
7. Transparency & Risks
• While Yearzbuddy only uses regulated and trusted platforms, there is still a minimal risk of platform delay or failure.
• Users agree not to hold Yearzbuddy liable for third-party platform risks beyond our control.
8. Refund & Termination
• Users may withdraw their capital at any time after the agreed holding period.
• Yearzbuddy reserves the right to terminate this agreement with 7 days’ notice and refund all capital + accrued interest.
9. Confidentiality
All user information is protected and will not be shared with any third party without your explicit consent.
10. Governing Law
This agreement is governed by the laws of the Federal Republic of Nigeria.
11. Acceptance
By transferring funds to Yearzbuddy under this program, you confirm that you:
• Understand the terms outlined above.
• Have read and accepted this agreement.
• Authorize Yearzbuddy to manage your funds accordingly.
