Terms of use

About these terms

These terms are an agreement between you and GistSend Services, which runs Gisted (the app at staygisted.com) and GistSend (the platform at gistsend.com). By creating an account or using either service you accept them. Our privacy notice explains how we handle personal data.

What we provide

• Gisted is an app where you receive updates from the groups and businesses you choose to follow, and use mini-apps such as Finance (dues, levies and ajo) and Contacts (messages and SOS).
• GistSend lets businesses, groups and organisations send updates, alerts and polls to people who follow them in Gisted, through a dashboard or an API.

Your account

• You sign in with a one-time code sent to your phone or email. Keep your phone and email secure; you are responsible for activity on your account.
• Give accurate details, including when you set up a group or receive payments.
• You must be at least 13 to use Gisted, and at least 18 to run a group's money or receive payments.

Using Gisted fairly

You must not use Gisted or GistSend to:

• send spam, scams, or messages to people who did not choose to receive them;
• harass, threaten or impersonate anyone, or send unlawful content;
• send a false SOS, or misuse urgent alerts to get past people's mute settings;
• collect money for anything unlawful, or for a group you are not authorised to collect for;
• interfere with the service, or try to access accounts or data that are not yours.

We may remove content, limit features, or suspend an account that breaks these rules, and we will tell you why unless the law or someone's safety prevents it.

For groups and businesses that send

• You may only send to people who followed you in Gisted. You may not import or buy contact lists.
• Send updates your followers would expect from you. GistSend is not for cold marketing.
• Use the urgent category only for real emergencies and time-critical safety notices.
• You are responsible for what you send and for your team members' use of your account.
• Paid GistSend plans are billed in advance for each period through Paystack. You can cancel at any time; the plan stays active until the end of the period you paid for.

Payments in Finance

• Payments are processed by Paystack. When a member pays, the money settles to the group's own verified bank account (or, for ajo, to that turn's recipient). Gisted does not hold group funds.
• The amount you pay, including any fee, is shown before you confirm. Fees during the pilot are shown in the app.
• A group's admins decide what members owe. Disagreements about what is owed, and refunds of dues or contributions, are between the member and the group, because the money belongs to the group.
• If you were charged twice, charged the wrong amount, or a payment failed but money left your account, email support@staygisted.com with the receipt. We will look into it with the group and Paystack, and a confirmed error is refunded to the original payment method.
• Group admins must give a bank account they are entitled to use, and pass the bank account and BVN check.

Your content

You keep ownership of what you send and upload. You give us permission to store, process and deliver it as needed to run the service. Inbox updates are deleted from our servers after 90 days, as described in the privacy notice.

Availability and changes

We work to keep Gisted and GistSend running, but we cannot promise they will always be available or error-free. SOS and urgent alerts depend on phones, networks and other people, so do not rely on Gisted as your only way to get emergency help; call the emergency services when you need them. We may change or end features, and will give notice of significant changes where we can.

Liability

To the extent the law allows, we are not liable for indirect or consequential losses, or for the actions of the groups, businesses and people you deal with through Gisted. Nothing in these terms limits liability that cannot be limited by law, including your rights as a consumer under Nigerian law.

Ending your account

You can stop using Gisted at any time and ask us to delete your account by emailing support@staygisted.com. We may close accounts that seriously or repeatedly break these terms. Records we must keep by law, such as payment records, are kept after an account closes.

Law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, contact us first at support@staygisted.com and we will try to resolve it. If we cannot, disputes go to the courts of Nigeria.

Changes to these terms

We may update these terms. We will tell you in the app before a significant change takes effect; continuing to use the service after that means you accept the new terms.