Terms of Service

In these Terms, unless the context requires otherwise, the following words have the meanings set out below:

• “LLP” / “Partnership” means Atheq LLP, a limited liability partnership managed by Orglobal Tech Network Ltd., registered and operating in the Federal Republic of Nigeria under CAMA 2020 (Part D).
• “Platform” means the website at www.atheqpartners.com, all associated web applications, mobile interfaces, APIs, and communications infrastructure operated by or on behalf of Atheq LLP.
• “Partner” means any individual who has completed the application process, passed KYC/AML verification, and whose partnership interest remains active and in good standing.
• “Unit” means a fractional, non-transferable ownership interest in the Fund, purchased at the prevailing unit price at the time a contribution is confirmed.
• “Commitment” means the mandatory monthly payment of ₦20,000 made by a Partner to purchase Units.
• “Fund” means the pooled investment portfolio maintained and managed by the LLP on behalf of all Partners, including its sub-portfolios (Defensive, Growth, and Opportunistic buckets).
• “Designated Partners” means the designated partners of Atheq LLP as constituted in accordance with the LLP Agreement and applicable law, responsible for the management and governance of the LLP.
• “KYC” means Know Your Customer — the identity and due-diligence verification process required by the Central Bank of Nigeria (CBN) KYC/AML/CFT Framework 2022 and the Money Laundering (Prevention and Prohibition) Act (MLPPA) 2022.
• “NAV” means the Net Asset Value of the Fund — the total market value of all assets minus liabilities, divided by the total number of outstanding Units.
• “Personal Data” has the meaning assigned to it under the Nigeria Data Protection Act 2023 (NDPA).
• “Working Days” means days other than Saturdays, Sundays, and public holidays as declared by the Federal Government of Nigeria.

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. The principal statutes and regulations applicable to the LLP and its Partners include:

To be eligible to apply for a partnership interest and to maintain that interest, you must at all times:

• Be at least 18 years of age (the LLP does not accept minors under any circumstance);
• Be a Nigerian citizen, a holder of a valid Nigerian residency permit, or otherwise legally resident and permitted to conduct financial transactions in Nigeria;
• Possess a valid and verified Bank Verification Number (BVN) issued by the CBN and, where required, a National Identification Number (NIN);
• Hold a valid, active Nigerian bank account in your own name;
• Provide accurate, complete, and up-to-date personal and financial information as required during onboarding and throughout your partnership;
• Not be subject to any sanctions, debarment, or watchlist maintained by the Office of Foreign Assets Control (OFAC), the UN Security Council, the Nigerian Financial Intelligence Unit (NFIU), or any other competent authority; and
• Receive approval from the existing partner group — applications are subject to group review and admission is not guaranteed.

The LLP reserves the absolute right to decline any application or revoke any partnership interest, without obligation to provide reasons, where it reasonably determines that eligibility requirements are not met or that admitting or retaining a partner would pose regulatory, reputational, or financial risk.

• The initial unit value at launch is ₦1.
• Unit prices are calculated and updated periodically to reflect the NAV of the Fund. Updated unit prices are published on the platform dashboard and included in monthly reports.
• Monthly reports are published by the 15th of each month, disclosing the current unit price, total Fund value, allocation breakdown, and each Partner’s individual unit count and portfolio value.
• Unit price can rise or fall based on the performance of the underlying portfolio. Past unit prices are not indicative of future performance.
• Units are non-transferablebetween Partners and may not be sold, assigned, pledged, or otherwise disposed of except through the LLP’s own redemption process described in Section 8.
• The LLP does not make a secondary market in Units.

The Fund is managed in pursuit of long-term capital growth across a disciplined multi-bucket asset allocation. The target strategic asset allocation is:

The Designated Partners may adjust allocation weightings within pre-approved bands without partner approval. Material changes to the investment mandate (“strategic pivots”) — including changing the target return range, removing an entire asset bucket, or altering the fee structure — require a 7/10 majoritypartner vote conducted at a duly convened Annual or Special Partners’ Meeting. No statement made on the platform constitutes a guarantee of return or capital safety. See our Risk Policy for a full disclosure of investment risks.

The LLP engages qualified investment managers or brokers registered with the Securities and Exchange Commission (SEC) of Nigeria or the Nigerian Exchange Limited (NGX) to execute trades on behalf of the Fund. The LLP retains responsibility for the investment mandate and oversight of all appointed managers.

• Governance follows a “Proportional to capital units held” model. Voting power is proportional to the number of capital Units held by each active Partner at the relevant record date.
• Passive Partners (as defined in Section 5.3) and Partners under formal suspension do not hold voting rights until their status is regularised.
• Routine resolutions (e.g. approval of annual accounts, appointment of auditors, appointment of Designated Partners) require a simple majority of valid votes cast.
• Strategic pivots — changes to the investment mandate, commitment amount, admission policy, fee structure, or dissolution of the LLP — require a 7/10 majority supermajority of all active Partners entitled to vote.
• Annual Partners’ Meetings (APM) are held within 6 months of the LLP’s financial year-end. Special Partners’ Meetings may be convened by the Designated Partners or upon written requisition by at least 20% of active Partners.
• Notice of any partners’ meeting must be given at least 21 days before the meeting date and must specify the business to be transacted.
• Proxy voting is permitted where approved by the Designated Partners; electronic voting is valid for the purposes of the Electronic Transactions Act.

You agree not to:

• Provide false, misleading, or fraudulent information in your application, KYC documents, source-of-funds declarations, or any other communication with the LLP;
• Use the platform or the LLP to launder money, finance terrorism, evade taxes, or conduct any activity prohibited under the MLPPA 2022, the Terrorism (Prevention and Prohibition) Act 2022, or any other applicable law;
• Attempt to circumvent, disable, or exploit any security, authentication, fraud-detection, or access control system on the platform — an offence under Section 6 of the Cybercrimes (Prohibition, Prevention, etc.) Act 2015;
• Access or attempt to access any account, data, or system belonging to another Partner or to the LLP without authorisation — an offence under Sections 6 and 27 of the Cybercrimes Act 2015;
• Share your account credentials, access tokens, or any multi-factor authentication codes with any other person, or allow any other person to use your account;
• Scrape, crawl, copy, reverse-engineer, or otherwise commercially exploit any content, data, or intellectual property on the platform without prior written consent from the LLP;
• Transmit, upload, or distribute any malware, virus, trojan, worm, or any code designed to disrupt, damage, or gain unauthorised access to the platform — an offence under Section 9 of the Cybercrimes Act 2015; or
• Engage in any conduct that harasses, intimidates, or defames any Partner, Designated Partner, or employee of the LLP.

Violation of this section may result in immediate suspension or termination of your partnership interest, forfeiture of pending transactions, referral to the Nigerian Police Force (NPF), the Economic and Financial Crimes Commission (EFCC), or the NFIU, and civil legal proceedings.

All content on the platform — including but not limited to the “Atheq LLP” name and logo, text, graphics, user interface design, software, source code, databases, and reports — is the exclusive property of Atheq LLP or its licensors and is protected by Nigerian and international intellectual property laws, including the Copyright Act 2022 (Cap C28 LFN) and the Trade Marks Act (Cap T13 LFN).

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the platform solely for the purpose of exercising your rights as a Partner. You must not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any platform content without prior written permission.

Any feedback, suggestions, or ideas you submit regarding the platform or its services are granted to the LLP on a non-exclusive, royalty-free, perpetual, and worldwide basis and may be used without restriction or compensation to you.

The LLP may introduce, waive, or revise fees by giving Partners at least 30 days’ written notice. Any material change to the fee structure requires a partner vote where specified in the LLP Agreement.

These Terms are executed and delivered electronically. In accordance with applicable Nigerian law (including the provisions of CAMA 2020 that recognise electronic communications, and the Electronic Transactions Act to the extent in force), you agree that:

• Electronic acceptance of these Terms (including by clicking “I agree” or by submitting a partnership application) has the same legal effect as a handwritten signature;
• Electronic records and communications from the LLP (including emails to your registered address) constitute valid legal notices for all purposes under these Terms; and
• You consent to receiving legally required notices and disclosures electronically rather than on paper, and confirm that you have the necessary hardware, software, and internet access to receive and retain such communications.

The LLP processes your Personal Data in accordance with the Nigeria Data Protection Act 2023 (NDPA) and the Nigeria Data Protection Regulation 2019 (NDPR). Our full data processing practices are set out in our Privacy Policy, which forms part of these Terms and is incorporated by reference. By accepting these Terms you confirm that you have read and understood our Privacy Policy.

The platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by the FCCPA 2018 and other applicable law, Atheq LLP disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, satisfactory quality, and non-infringement. We do not warrant that the platform will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

Nothing in this section limits any statutory rights you hold as a consumer under the FCCPA 2018 that cannot lawfully be excluded.

To the maximum extent permitted by applicable Nigerian law, Atheq LLP and its Designated Partners, officers, employees, agents, and service providers shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, loss of data, loss of goodwill, or loss of business opportunity — arising out of or in connection with your partnership interest or use of the platform, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any cause whatsoever (whether in contract, tort, statute, or otherwise) shall not exceed the total commitments you have made to the LLP in the 12 calendar months immediately preceding the event giving rise to the claim.

Nothing in this section limits liability for fraud, gross negligence, wilful misconduct, death, or personal injury caused by our negligence, or for any other liability that cannot lawfully be excluded under the FCCPA 2018 or any other applicable Nigerian law.

Each Partner is solely responsible for determining and satisfying their own tax obligations arising from holding a partnership interest in the LLP, including but not limited to:

• Personal Income Tax (PIT) on any income or distributions received;
• Capital Gains Tax (CGT) on any gains realised on Unit redemption;
• Withholding Tax (WHT) obligations where applicable; and
• Any reporting obligations to the Federal Inland Revenue Service (FIRS) or the relevant State Internal Revenue Service.

The LLP may be required by law to withhold tax at source on certain payments and to file returns with the FIRS. Where withholding tax is deducted, Partners will be provided with appropriate documentation. Partners are strongly advised to seek independent tax advice.

Atheq LLPreserves the right to amend these Terms at any time to reflect changes in law, regulatory requirements, or the LLP’s operations. Material changes will be communicated to Partners via email to their registered address and/or in-platform notice at least 14 days before taking effect. Continued use of the platform or retention of a partnership interest after the effective date constitutes acceptance of the updated Terms. If you do not accept the changes, you must notify us in writing before the effective date and your partnership interest will be terminated in accordance with Section 8.5.

• Entire agreement: These Terms, together with the Privacy Policy, Cookie Policy, and Risk Policy, constitute the entire agreement between you and Atheq LLP with respect to your partnership interest and use of the platform, and supersede all prior agreements, representations, and understandings.
• Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
• No waiver: Failure by the LLP to enforce any provision of these Terms on any occasion shall not constitute a waiver of that provision.
• Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations to a successor entity without your consent, provided that the successor assumes all obligations under these Terms.
• Force majeure: The LLP shall not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, war, civil unrest, government action, pandemics, power failures, or failures of third-party infrastructure providers.
• Language: These Terms are written in English. In the event of any conflict between an English version and any translated version, the English version shall prevail.

For all legal enquiries relating to these Terms, please contact: