Terms and Conditions

Last Updated: May 31, 2026

Welcome to Vastovers Invest Cooperative Society (Vastovers). These Terms and Conditions govern your access to and use of https://vastoversinvest.com/ (“Website”)

and https://cooperative.vastovers.com/dashboard (Vastovers App) , including any services, features, content, and applications offered by Vastovers, collectively referred as “Services”.

By accessing or using the Services in any manner, including visiting or browsing the Website or using the App or contributing content, you agree to be bound by these Terms. If you do not agree with all of the terms and conditions, you are expressly prohibited from using the Service and should discontinue use immediately.

1. Membership Eligibility

1. This service is exclusively available to members of the Vastovers Invest Cooperative Society. By accepting the terms of this service, you automatically become a member and shall be referred to as a “Contributor”.
2. You must be at least 18 years old or the age of legal majority in your jurisdiction to use the Services. By using the Website or App, you represent and warrant that you meet these eligibility requirements.

2. Account Registration

To access certain features of the Website, you may be required to register for an account (“Account”). You agree to:

1. Provide accurate, current, and complete information.
2. Maintain and update your account information to keep it accurate.
3. Be responsible for all activities that occur under your Account.
4. You are responsible for maintaining the confidentiality of your login credentials.

3. Use of Services & Investment Disclaimer

Vastovers provides financial technology tools and investment management services. The Website or App may include information regarding investment opportunities, financial instruments, and related tools. You understand and agree that:

1. Profitability in business is not guaranteed, and losses may occur due to market dynamics and implemented decisions.
2. Past performance does not guarantee future results.
3. All investment involves risk, including possible loss of principal.
4. Vastovers does not provide financial, legal, or tax advice. You should consult your own professional advisors.

4. User Conduct

You agree not to:

1. Use the Website or App for any unlawful or unauthorized purpose.
2. Attempt to gain unauthorized access to any portion of the Website or App.
3. Interfere with the security or integrity of the Website or App.
4. Transmit any harmful or disruptive code or material.

5. Intellectual Property

The content and materials on the Website or App, including text, graphics, logos, images, and software, are the property of Vastovers or its licensors and are protected by intellectual property laws.

You may not use, reproduce, distribute, or create derivative works without our express written permission.

6. Privacy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and safeguard your information. By using the Website or App, you consent to our Privacy Policy.

Privacy Policy 

7. Tax, Fees and Payments

1. Contributors are solely responsible for reporting all proceeds obtained from their contributions and for the payment of applicable taxes.
2. Some Services offered by Vastovers may require payment of fees. You agree to pay all applicable fees in a timely manner and authorize us to charge your payment method. All payments are non-refundable unless otherwise stated.

8. Third-Party Links

The Website and App may contain links to third-party websites or services. We do not control and are not responsible for the content, privacy practices, or accuracy of third-party websites.

9. Disclaimers

The Website, App and Services are provided “as is” and “as available” without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, Vastovers disclaims all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the maximum extent permitted by law, in no event shall Vastovers, its officers, directors, employees, agents, or affiliates be liable for:

1. Any indirect, incidental, special, consequential, or punitive damages;
2. Any loss of profits, revenue, data, or goodwill;
3. Regardless of the cause of action or theory of liability, even if advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless Vastovers and its affiliates from and against any claims, liabilities, losses, damages, expenses, and costs arising from your use of the Website, App or violation of these Terms.

12. Vastovers Website or App

1. Vastovers Website or App enables users to monitor their contribution performance in real time. Upon successful registration, the dashboard displays current data regarding your contributions, wallet returns, referral bonuses, insights into contribution activity and other information relevant to your contribution performance as may be updated from time to time.
2. Vastovers shall not be liable for decisions made by a contributor based on the information displayed on the Vastovers Website or App.

13. Referral Bonus

You may receive a referral bonus when you recruit other contributors. When a referral makes a contribution and a bonus is applicable, the bonus will be credited to your wallet and can be withdrawn immediately or paid directly into your account within 24 hours.

14. Termination

We may suspend or terminate your access to the Website or App at any time, without notice, for any reason, including violation of these Terms.

15. Changes to Terms

We may modify these Terms at any time. Updated Terms will be posted on the Website with a new Last Updated date.

Your continued use of the Website or App after such changes constitutes your acceptance of the updated Terms.

16. Contact Information

If you have any questions about these Terms, please contact us:

Vastovers Invest Cooperative Society
Email: info@vastoversinvest.com
Website: https://vastoversinvest.com/

CONTRIBUTOR INVESTMENT AGREEMENT

Vastovers Invest Cooperative Society

(“Vastovers”) is a cooperative society duly registered in the Federal Capital Territory, Abuja, Nigeria, under CAP: No 98 of the Nigerian Cooperative Societies ACT/2004, with Registration Number FCTA/ARDS/COOP/2019/8496, having its principal office is located at 36a Lebrex Plaza, 47 Ajose Adeogun Street, Utako, Abuja. Vastovers hereby enters into this contribution agreement with you (“Contributor”), and collectively referred to as the “Parties.”

1. RECITALS

1. Vastovers is affiliated to various companies within its parent Vastovers Holdings structure.
2. Vastovers engages in business and investment activities, including trading in healthcare and wellness products, household items, commodities, luxury goods, and real estate properties.
3. The returns from trading engagement using your contributions are shared on a sixty-forty basis, with the highest percentage allocated in your favour. Vastovers’ share of the returns is used to cover trading overheads and ensure the cooperative’s sustainability.
4. The Contributor has agreed to become a Vastovers Partner which qualifies him as a member of the Vastovers Invest Cooperative Society to make an investment contribution.
5. The Contributor desires to contribute capital to Vastovers under the terms and conditions set out in this Agreement.
6. The Contributor agrees to sign up for the Vastovers App to monitor and obtain real-time insights into his contributions and returns.

2. CONTRIBUTION

2.1 The Contributor agrees to contribute the advanced sum to Vastovers as investment capital under this Agreement.
2.2 The contribution shall be paid into a designated bank account details belonging to Vastovers.
2.3 The date on which the contribution is received by Vastovers shall be deemed the Effective Date of this Agreement.

3. INVESTMENT RETURN

3.1 Vastovers agrees to provide the Contributor with a return equivalent to the contract percentage rate as returns on the contributed or compounded capital.
3.2 The return rate may fluctuate from time to time, and you will be notified of such changes at least seven (7) days before it takes effect. This allows you to accept or reject the change prior to the effective date. If you do not accept the new rate before it becomes effective, a one-month notice to terminate the contract will be issued, and your capital, along with any accrued interest, will be refunded. Rate changes may occur due to business performance, leading to increases or decreases in the rate.

4. PAYMENT OF RETURNS

4.1 Vastovers shall pay the returns within the agreed period.
4.2 All payments shall be made into the Contributor’s designated bank account provided during registration for this service on the Vastovers Website or App.
4.3 Payments shall commence at the end of the first complete month following receipt of the contribution.

5. TERM

This Agreement shall remain in force until terminated in accordance with this Agreement.

6. TERMINATION BY THE CONTRIBUTOR

6.1 The Contributor may terminate this Agreement and request withdrawal of the contributed capital from the third month following the investment date.

6.2 The Contributor shall provide not less than one (1) month’s written notice to Vastovers.

6.3 Upon expiration of the notice period, Vastovers shall pay:

1. 1. All accrued and unpaid returns up to the termination date; and
   2. The full contributed capital.

6.4 Payment shall be made within thirty (30) days following the effective termination date.

7. TERMINATION BY VASTOVERS

7.1 Vastovers may terminate this Agreement by providing one (1) month’s written notice to the Contributor.

7.2 Upon termination, Vastovers shall pay:

1. 1. All accrued and unpaid returns up to the effective termination date; and
   2. The full contributed capital.

7.3 Payment shall be made within thirty (30) days following the effective termination date.

8. INDEPENDENT CONTRACTOR

Nothing in this Agreement shall be construed as creating a partnership, joint venture, employment relationship, or agency relationship beyond the investment engagement as expressly stated herein. The Contributor shall act as an independent contractor.

9. FORCE MAJEURE

9.1 Neither Party shall be liable for failure or delay in performing its obligations where such failure arises from circumstances beyond its reasonable control, including but not limited to:

1. 1. Natural disasters;
   2. War, civil unrest, terrorism, or riots;
   3. Government actions or regulatory restrictions;
   4. Epidemics or pandemics;
   5. Widespread banking, telecommunications, or utility disruptions.

9.2 The affected Party shall promptly notify the other Party of the occurrence of the force majeure event.
9.3 Performance of obligations shall be suspended during the period of the force majeure event.

10. REGULATORY AND LEGAL COMPLIANCE

10.1 The Parties agree to comply with all applicable laws, regulations, cooperative rules, and directives applicable within the Federal Republic of Nigeria.
10.2 The Contributor acknowledges that participation in this arrangement is subject to applicable cooperative laws and regulations.
10.3 If any regulatory authority issues directives affecting this Agreement, the Parties shall cooperate in good faith to amend the Agreement to ensure compliance.

11. ANTI-MONEY LAUNDERING COMPLIANCE,IMMUNITY, WARRANTIES, INDEMNITY AND RELEASE

11.1 The Contributor warrants that all funds contributed under this Agreement are derived from lawful sources and do not constitute proceeds of any criminal, unlawful or prohibited activity, including money laundering, terrorism financing, fraud, bribery, corruption, tax evasion or any other financial crime.
11.2 The Contributor has obtained all necessary approvals, authorizations and consents required to make the contribution and is the lawful owner of, or is legally authorized to control and contribute, the funds.
11.3 Vastovers reserves the right to request identity verification documents, source-of-funds information, and any other documentation required by law.
11.4 Vastovers may refuse, suspend, or terminate participation where there is reasonable suspicion of money laundering, terrorism financing, fraud, or other unlawful activity.
11.5 The Contributor shall fully indemnify, defend and hold harmless Vastovers, its affiliated entities, officers, directors, trustees, employees, agents and representatives from and against all losses, liabilities, claims, penalties, fines, damages, judgments, investigations, costs and expenses (including reasonable legal fees) arising directly or indirectly from:

1. 1.  Any breach of the warranties, representations or obligations contained in this clause;
   2.  Any false declaration or concealment by the Contributor;
   3. Any allegation, investigation or proceeding relating to money laundering, terrorism financing, bribery, corruption or other unlawful conduct attributable to the Contributor or the source of the contributed funds.
   4. Any action taken in good faith to comply with applicable anti-money laundering, anti-corruption, sanctions or regulatory obligations, including reporting suspicious transactions, refusing or delaying transactions, requesting additional documentation or terminating this Agreement.

12. RISK ACKNOWLEDGEMENT

12.1 The Contributor acknowledges and accepts the business risks associated with investment and cooperative activities.
12.2 The Contributor confirms that he has had the opportunity to seek independent financial, tax, and legal advice before entering into this Agreement.

13. CONFIDENTIALITY

13.1 Both Parties shall keep confidential all non-public information obtained in connection with this Agreement.
13.2 Confidential information may only be disclosed where:

1. 1. Required by law;
   2. Required by a regulatory authority; or
   3. Authorized in writing by the other Party.

14. DISPUTE RESOLUTION

14.1 Any dispute arising out of or in connection with this Agreement shall first be resolved through amicable negotiations between the Parties.
14.2 Where negotiations fail within thirty (30) days, the dispute shall be referred to mediation.
14.3 If mediation fails, the dispute shall be submitted to arbitration in Abuja, Nigeria, in accordance with the Arbitration and Mediation Act of Nigeria.
14.4 The decision of the arbitrator shall be final and binding on the Parties.

15. NOTICES AND COMMUNICATIONS

15.1 All notices and communications shall be in writing and delivered by email, courier, or registered post.
15.2 Official email addresses are:
Contributor: Your email provided during registration
Vastovers: invest@vastovers.com
15.3 Notices sent by email shall be deemed received on the date of transmission unless a delivery failure notice is received.

16. ENTIRE AGREEMENT

This Agreement constitutes the entire understanding between the Parties and supersedes all prior discussions, negotiations, and agreements relating to the subject matter herein.

17. SEVERABILITY

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18. SURVIVAL

The provisions of this Agreement which by their nature are intended to survive termination or expiration, including but not limited to confidentiality, warranties, indemnities, dispute resolution, governing law, and limitation of liability, shall remain in full force and effect notwithstanding such termination or expiration.

19. GOVERNING LAW

This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.