SprayLive lets you spray at an event from your phone. Your name goes up on the big screen and the MC can call it.
Version [to be confirmed: version date] · In force from [to be confirmed: date in force]
SprayLive is run by Limestone Technology Services Limited, a company registered in Nigeria (RC 1928165), of Road 7A, Dr Shaffideen Amuwo Street, Lekki Scheme 2, Ajah, Lagos 10024, Nigeria. In these terms, “we” and “us” mean that company.
These terms are an agreement between you and us. You accept them when you join an event, host an event or register as a partner. If you do not agree, please do not use SprayLive.
You must be 18 or older to use SprayLive.
SprayLive is not a bank. Payments are collected and paid out by [to be confirmed: licensed payment partner], which is licensed by the Central Bank of Nigeria, and money waiting to be paid out is kept with [to be confirmed: partner bank].
Our privacy page explains how we use your data. It is part of these terms.
2
Your account
You join with your phone number. Keep your phone and your code to yourself.
You sign in with your phone number and a 6-digit code we send you. Never share that code. We will never ask you for it.
Use your own number and a name people know you by. Do not use another person’s name or photo, or a name that is offensive.
You are responsible for what is done with your account. Tell us at once if you lose your phone or think someone else has used your account.
One person, one account. We may close extra accounts.
3
Mint
Mint is what you buy and spray. You always see the price before you pay.
Mint is value you can use only inside SprayLive, to spray at an event. One mint is worth one naira when it is sprayed or returned.
Before you pay, we show you how much mint you get and the full price in naira. The price is higher than the mint you get. For example, ₦5,000 of mint costs ₦5,250. The difference is our charge for the service and includes any tax. There is nothing else to pay to us.
You pay by card, bank transfer or USSD through our payment partner. Your bank may add its own charges, such as the government’s electronic transfer levy. We do not control those.
Mint is not money in a bank account. It earns no interest, it is not a deposit, and it is not insured by the Nigeria Deposit Insurance Corporation.
You cannot sell mint, swap it or send it to someone outside an event. You can only spray it or get it back as set out in these terms.
The notes on your screen are pictures. They are not naira notes and no naira note is sprayed, thrown or stepped on when you use SprayLive.
4
Spraying
A spray is a gift. Once it shows on the big screen, it is done.
When you spray, mint moves from you to the person or event you chose. A spray is a gift you make freely. You get nothing back for it and it does not buy you anything.
A spray is final. Once we confirm it, you cannot cancel it or take it back. The one exception is money sprayed on a guest that the guest does not claim in time (section 8): it comes back to the card or bank account you paid from. Check the amount before you spray.
When you spray, your name, your photo if you added one, and the amount show on the big screen. The MC may call your name. You may also appear on the list of top sprayers.
You can choose to spray without your name. The hall then sees “A well-wisher”. The host still sees your name on the gift list, so they can thank you.
If a spray went wrong because of a fault on our side, or it was made by fraud, tell us quickly. We may reverse a spray in those cases, where the money has not yet been paid out.
Where an event runs a battle between two sides, the winner gets a crown on the screen. There is no prize and no money is won.
5
Mint you did not spray
Mint you do not spray comes back to you, unless you choose to give it to the host.
Unless you have verified your identity (5.8), you always have a choice for mint you do not spray, and there are only two: get it back, or give it to the host. It starts as “get it back”. You can change it from “My mint” while the event's mint is open.
You can also get your unsprayed mint back yourself at any time while the event's mint is open.
When the event ends, nothing happens to your unsprayed mint for 48 hours. In that time you can get it back yourself or change your choice. After 48 hours we carry out your choice: we send it back to you, or pay it to the host.
If you get it back, we return the value of the mint to the card or bank account you paid from: one naira for one mint. The extra you paid above that value when you bought the mint is not returned, because it paid for the service. For example, if you bought ₦10,000 of mint for ₦10,500 and sprayed none of it, you get ₦10,000 back. [to be confirmed: Legal to check against FCCPA ss. 120 and 127]
If you choose to give it to the host, it is paid to the host with the event's money and cannot be taken back after that.
We send it promptly. Your bank or card company then decides how fast it reaches you, usually within [to be confirmed: 10] working days for cards. If it has not arrived by then, tell us and we will trace it.
If we cannot return it because the card or account is closed, we will hold it for you and try to reach you. Balances nobody claims are handled under the Central Bank of Nigeria’s rules on unclaimed balances.
If you have verified your identity, your unsprayed mint is not sent back or given away. It stays as your saved mint for your next event. You can still send it to a bank account in your own name at any time.
6
Limits and checks
The law makes us set limits, check who people are and stop fraud.
Without identity verification you can put in up to ₦[to be confirmed: 500,000] at one event and in any 24 hours.
To go above that, or to receive money from SprayLive into a bank account, you verify your identity with your BVN. The name on the bank account must match your verified name.
We may ask for more information, delay or refuse a payment, reverse a spray, or freeze an account or an event, where we reasonably suspect fraud, a stolen card, money laundering or a breach of these terms, or where the law or a regulator requires it.
We will tell you when we do this and why, unless the law stops us from telling you.
We report suspicious activity to the authorities where the law requires us to.
7
Hosts and payouts
The host gets the gift list and the money, paid to the host’s own bank account when the event ends.
You may host an event if it is real and you are entitled to hold it, such as a wedding, birthday, naming, burial, thanksgiving or company event.
You give us the bank account the money should go to. We check the account name with the bank and show it to you to confirm. After you confirm it, only you can change it.
When you end the event, we pay what was sprayed on the event to that account. [to be confirmed: settlement timing]. A second payment follows 48 hours after the event ends, for unsprayed mint that guests chose to give to you.
Our fee for hosting, if any, is shown to you before your event goes live, and is taken from the payout. [to be confirmed: package fee and any commission]
The gift list shows who sprayed and how much. Use it to thank your guests. Do not use it for anything else, and do not share it publicly.
You are responsible for your event: the venue, the screen, your guests’ safety, and anything you show or say on the big screen. You can hide a guest’s photo from the screen.
If a guest’s payment is later reversed by their bank or found to be fraud, we may take that amount from a payout that has not yet been made. [to be confirmed: whether we can recover from the host after payout]
You are responsible for any tax due on money you receive.
8
Money sprayed on you
When guests spray you, SprayLive holds that money for you until the event ends.
You then have 24 hours to claim it to a bank account in your own name.
If a payout to your account fails, you get another 24 hours to try again.
The final cut-off is 72 hours after your first deadline.
Money not claimed by then is returned to the people who sprayed it, and it can no longer be claimed.
We may hold a claim for a short review before paying it.
If we offer rewards for inviting people, the rules for those rewards are shown in the app before you take part and form part of these terms.
9
Planners, DJs and MCs
Partners register a business, wait for approval, and earn commission on the events they bring.
To become a partner you give us your business name, your CAC registration number, the owner’s BVN and a payout bank account. We may approve or refuse an application, and we need not give a reason.
A partner may set up an event for a host. The event only goes live after the host confirms it and the payout account with a code sent to the host’s phone.
Commission is [to be confirmed: commission rate and basis] and is paid [to be confirmed: when and how commission is paid]. We may deduct tax that the law requires us to withhold.
A partner is an independent business. A partner is not our employee or agent and must not make promises on our behalf.
A partner must never take a host’s payout into the partner’s own account, and must never ask a guest for their code.
We may suspend or end a partnership if a partner breaks these terms or the law. Commission already earned honestly stays payable.
10
What is not allowed
SprayLive is for celebrating people at real events.
You must not use SprayLive to:
pay for goods or services, pay a debt, or move money for someone else;
launder money, pay a bribe, fund crime or terrorism, or avoid tax;
use a card or bank account that is not yours or that you have no right to use;
bet, gamble, or run a raffle, lottery or game of chance;
set up a fake event, or spray yourself through another account to move money;
pretend to be someone else, or show a name or photo that is abusive, indecent or hateful;
harass or threaten anyone;
break into, overload, copy or interfere with SprayLive or its security.
Spraying, throwing or dancing on real naira notes is an offence under section 21 of the Central Bank of Nigeria Act 2007. SprayLive replaces that. Please do not do it at an event that uses SprayLive.
11
Your name and photo
You let us show your name and photo at the event. They stay yours.
You allow us to show your name and photo on the big screen, to the MC, to other guests at the event and on the host’s gift list, for the purpose of running the event.
You must have the right to use any photo you add. We may remove a name or photo that breaks these terms.
The SprayLive name, logo, notes and software belong to us. You may use them only to use SprayLive.
12
Closing or suspending an account
You can leave at any time. We can suspend an account that breaks the rules.
You can delete your account from your profile. First get back any mint you have, and wait for any payment that is on its way.
We may suspend or close an account, or stop an event, if these terms are broken, if we suspect fraud, or if the law requires it. Where we fairly can, we tell you first and give you a chance to explain.
If we close your account, we return your unsprayed mint and pay out anything we owe you, unless the law or a court order stops us.
We keep records of payments for as long as the law requires, even after an account is deleted. The privacy page explains this.
13
Our responsibility to you
We promise to run SprayLive with care. This section limits what we are liable for, so please read it.
Please read this section carefully.It limits what you can claim from us. It does not take away any right the law gives you as a consumer.
We will provide SprayLive with reasonable care and skill, and we will put right a mistake we make with your money.
We are not responsible for things outside our reasonable control. Examples are a failure of the venue’s screen, power, internet or phone network, a delay or error by a bank or card company, or what a host, MC, partner or guest does or says.
We are not responsible for loss of profit, loss of business, or loss that neither of us could reasonably have expected when you used SprayLive.
Apart from money of yours that we hold, which we will always account for in full, the most we will owe you for any claim is the greater of ₦[to be confirmed: liability cap amount] and the total you paid us in the [to be confirmed: 12] months before the claim.
Nothing in these terms limits or excludes our liability for fraud, for gross negligence, for death or personal injury we cause, or any right or remedy you have under the Federal Competition and Consumer Protection Act 2018 or other law that cannot be limited by agreement.
14
Complaints and disputes
Tell us first. Most problems are solved quickly.
To complain, contact us using the details in section 16. We will confirm we received it within [to be confirmed: 24 hours] with a reference number, and give you our answer within [to be confirmed: 14] days.
If you are not satisfied, you may complain to the Federal Competition and Consumer Protection Commission (fccpc.gov.ng). For a complaint about a payment, you may also complain to the Central Bank of Nigeria’s Consumer Protection Department.
If we still cannot agree, either of us may suggest mediation at [to be confirmed: the Lagos Multi-Door Courthouse]. Mediation is optional for you.
These terms are governed by the laws of the Federal Republic of Nigeria. The courts of Nigeria decide any dispute. You may use the small claims court where your claim qualifies.
15
Changes to these terms
If we change these terms, we tell you before the change applies.
We may change these terms, for example when we add a feature or the law changes. The date at the top of this page shows the current version.
For a change that affects your money or your rights, we tell you by SMS or in the app at least [to be confirmed: 14] days before it applies. If you do not agree, you can stop using SprayLive and get your mint back.
A change never applies to a spray or a purchase you made before it.
We keep records electronically, and you agree that an electronic record of your acceptance, a payment or a spray is valid evidence. If part of these terms is found invalid, the rest still applies. We may transfer our rights and duties to another company that takes over SprayLive, if your rights are not reduced.