Terms of Service
1. Who we are and what these terms cover
These Terms of Service ("Terms") are a legal agreement between you and AFRISOVERA GLOBAL HOLDINGS LIMITED ("Afrisovera", "we", "us", "our"), a company incorporated in England and Wales under company number 17244459, with registered office at Office 19286, 182-184 High Street North, East Ham, London, E6 2JA.
They govern your use of the website at afrisovera.com, any account you create with us, and any services we offer on this site (currently the Afrisovera City project, Community Hub, Shield, Foundation and related services).
Our apps and games (including Avena and Safehold) are run by Afrisovera Studios, a trading name of the same company, under separate terms at studios.afrisovera.com/terms. These Terms do not apply to them.
By using the site or any service, you agree to these Terms. If you don't agree, please don't use them.
2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is higher) and legally able to enter contracts. You confirm that you are not subject to any sanctions or legally prohibited from using our services.
If you're using the site on behalf of a business or organisation, you confirm that you have authority to bind that entity.
3. Your account and identity verification
3.1 Creating your account
To use account-based services, you create an Afrisovera account with your email address and a password, and give the details the sign-up form asks for. You must give accurate information and keep it up to date.
3.2 Two tiers of verification
| Tier | Triggered by | What we ask of you |
|---|---|---|
| Tier 1: Account access | Browsing, community participation | The details on the sign-up form, your email address and a password |
| Tier 2: Financial transactions | Any financial transaction we offer through the site, such as real estate transactions | Full Customer Due Diligence (CDD) under Money Laundering Regulations 2017: government photo ID, proof of address, source of funds, and (where applicable) source of wealth |
3.3 Your account obligations
- Keep your password secure
- Not share your account with anyone (one human = one account is a structural rule)
- Notify us at security@afrisovera.com if you suspect any unauthorised access
- Be responsible for all activity under your account
3.4 Accessibility
If a disability or condition makes it hard for you to create an account or complete verification, contact us at accessibility@afrisovera.com. We will make reasonable adjustments under the Equality Act 2010, including a manual verification path where needed.
4. Acceptable use
When using the site and services, you must NOT:
- Use them for any unlawful purpose
- Misrepresent your identity or affiliation
- Post or transmit content that is defamatory, obscene, harassing, infringing, or otherwise unlawful
- Attempt to gain unauthorised access to our systems
- Interfere with or disrupt the site or services
- Use bots, scrapers or automated systems without our prior written consent
- Reverse-engineer, decompile or attempt to derive source code
- Resell or commercially exploit access without our agreement
- Use the services to launder money, finance terrorism, evade sanctions, or commit fraud
We may remove content, suspend accounts, and report unlawful activity to authorities.
5. The services: specific terms
5.1 Former Marketplace, Safehold and Avena
The Marketplace has closed on afrisovera.com, and the Avena and Safehold apps are now provided by Afrisovera Studios under separate terms. Anything that happened under earlier versions of these Terms, such as past transactions, is still governed by them.
5.2 Community Hub
Community Hub is for member engagement and discussion. Content posted by members reflects their own views, not Afrisovera's. We may moderate or remove content that breaches our Acceptable Use rules.
5.3 Shield (Whistleblowing)
Shield enables reporting of wrongdoing. Reports may be made anonymously. We will treat reports confidentially and act on them where appropriate. False or malicious reports may result in account suspension.
5.4 Foundation (Talent Kids)
The Talent Kids program operates under separate program terms. Selection, scholarships, mentorship and career support are governed by those terms.
6. Content
Your content
You retain ownership of content you submit. You grant Afrisovera a non-exclusive, worldwide, royalty-free licence to use, store, display, reproduce, modify, and create derivative works of your content solely to provide the services to you and to operate, develop, market and improve them.
Our content
The site and all content provided by Afrisovera (other than your content) is owned by Afrisovera or our licensors and protected by intellectual property laws.
7. Fees and payments
Some services are free; others are paid or charge transaction fees. Where fees apply, the price and basis will be clearly shown before you commit.
- Fees are payable in the currency stated (usually GBP)
- All amounts are inclusive of any applicable VAT unless stated otherwise
- No card payments are taken on this site at present. Card payments made on the former Marketplace and Safehold pages were processed by Stripe Payments Europe, Ltd (FCA firm reference 900665), an FCA-authorised Electronic Money Institution
- We may change fees with reasonable notice
7A. Investment and subscription: financial promotion exemption
AFRISOVERA GLOBAL HOLDINGS LIMITED is not authorised by the Financial Conduct Authority to conduct regulated investment business or make regulated financial promotions to the general public.
Where AGHL communicates investment opportunities (for example, equity subscription opportunities), it does so only under the exemptions in the Financial Services and Markets Act 2000 (Financial Promotion) Order 2005, specifically:
- Article 48: Certified high-net-worth individuals (income ≥ £100,000 per year or net assets ≥ £250,000, excluding primary residence, in the preceding financial year)
- Article 50A: Self-certified sophisticated investors (persons who self-certify as having relevant experience in unlisted securities)
No investment material or subscription agreement is sent until the individual has completed and returned a valid self-certification form. Expressing interest via our “Express Interest” form is not an application to invest and does not constitute a regulated financial promotion. Investing in an early-stage unlisted company involves significant risk, including total loss of capital. Past performance is not a guide to future results. This is not financial advice.
Subscription payments are direct bank transfers to AGHL’s UK bank account. Equity subscriptions are not processed via Stripe Connect.
8. Disclaimers and limitations on liability
To the extent permitted by law, the site and services are provided "as is" and "as available". We don't promise they will always be uninterrupted, error-free, secure, or meet your specific requirements.
We do NOT provide investment, financial, legal, tax or immigration advice. Information on the site is general and not advice. You should take your own professional advice before making decisions.
Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be limited or excluded under English law.
Subject to the above, our total liability to you in any 12-month period is limited to the greater of (a) £100 or (b) the fees you paid us in the 12 months immediately before the event giving rise to the claim.
9. If you are a consumer
If you are using the site for purposes outside your trade, business, craft or profession, you have certain rights under the Consumer Rights Act 2015 and other UK consumer laws that cannot be excluded. Nothing in these Terms removes those rights.
10. Indemnity
You agree to indemnify and hold Afrisovera (and our officers, employees and agents) harmless from any claims, losses, liabilities, damages, costs and expenses arising from your breach of these Terms, your misuse of the site or services, your infringement of any third-party rights, or your violation of any law or regulation.
11. Suspension and termination
You may stop using the site or services at any time. You may close your account by contacting us at hello@afrisovera.com.
We may suspend or terminate your access if you breach these Terms, if we are required to do so by law, if we suspect unlawful or fraudulent use, or if we discontinue the service.
12. Changes to these Terms
We may update these Terms from time to time. Material changes will be notified by email or by a prominent banner on the site. Continued use after the change means you accept the new Terms.
13. Other important provisions
| Clause | Provision |
|---|---|
| Entire agreement | These Terms (plus service-specific terms) are the complete agreement between us |
| Severance | If any clause is held invalid, the rest remain in force |
| No waiver | If we don't enforce a right, we haven't waived it |
| Assignment | You may not transfer your rights without our consent |
| Notices | We may notify you by email; you may notify us at hello@afrisovera.com |
14. Governing law and disputes
These Terms are governed by the laws of England and Wales.
You and we agree that the courts of England and Wales have exclusive jurisdiction to resolve any dispute (other than where mandatory consumer protection rules give you the right to bring proceedings in your country of residence).
Before resorting to court, please contact us at hello@afrisovera.com. Most issues can be resolved without legal action.
15. Contact
AFRISOVERA GLOBAL HOLDINGS LIMITED
Office 19286, 182-184 High Street North, East Ham, London, E6 2JA
Email: hello@afrisovera.com
Company number: 17244459