HWFA Terms of Service

Effective date: November 11, 2026.

These terms are an agreement between you and HWFA LTD (RC 9952200), a company registered in Nigeria at 16A Refinery Drive, NNPC Housing Estate, Warri, Delta State (“HWFA”, “we”). They apply to the HWFA app and website, including HWFA Stores and product links. By creating an account or using HWFA you accept them. If you don’t agree, don’t use HWFA.

1. Who can use HWFA

You must be at least 18 years old and able to enter a binding contract. You may have one account, tied to a phone number you control. Keep your phone, verification codes and wallet PIN private: you are responsible for activity on your account. Tell us at support@hwfapp.com if you think someone else has access to it.

2. Your content

You own what you post: statuses, hangouts, comments, photos, videos, product listings and messages. You give HWFA a worldwide, non-exclusive, royalty-free licence to host, store, copy, display and deliver that content only as needed to run HWFA and show it to the people you chose. The licence ends when you delete the content or your account, except for copies other people already saved or records we must keep by law.

You must have the right to everything you post. Statuses disappear after 24 hours and hangouts after they end, but people who saw them may have kept copies.

3. What is not allowed

Do not use HWFA to post, sell, send or arrange:

• anything illegal in Nigeria or where you are, including stolen goods, drugs, weapons, counterfeit items or unlicensed services;
• sexual content involving anyone under 18, or any sexual content without the consent of everyone shown;
• pornography or sexual services;
• harassment, bullying, threats, hate speech or encouragement of violence or self-harm;
• scams, fake listings, pyramid schemes, impersonation or misleading prices;
• spam, bulk unsolicited messages, or attempts to collect other people’s personal information;
• malware, attempts to break into accounts or systems, or to get around limits or blocks.

Stores marked 18+ may only sell products that are legal for adults to buy and must follow every law that applies to those products.

4. Reporting, blocking and enforcement

You can report any account, post, comment or message in the app, and block anyone. Blocking stops that person following you, seeing your posts, commenting, messaging you or opening a store chat with you. Reports go to our team for review. A post or comment reported by several people may be hidden straight away until it is reviewed.

We may remove content, limit features, or suspend or close accounts that break these terms or the law, or that put people at risk. Where it is safe and lawful, we will tell you why. You can ask us to review a decision at support@hwfapp.com. We may report illegal activity, including child sexual abuse material, to the authorities.

5. Messages

Messages between two people are end-to-end encrypted: they are encrypted on the sender’s phone and can only be read on the recipient’s phone. HWFA cannot read them. Store chats with businesses are different: they are stored by HWFA so a business’s automatic replies can work, and the app says so in those chats. If you report a message, the report includes only what you choose to send us.

6. Wallet and payments

Payments, deposits and withdrawals are processed by Paystack. HWFA is not a bank and your wallet balance is not a savings or investment account and earns no interest. Your balance belongs to you and can be withdrawn to a Nigerian bank account in your name, subject to verification, limits and the checks we and Paystack must carry out to prevent fraud and money laundering. We may hold or reverse a transaction that looks fraudulent or that a payment provider reverses. Transfers to other users are final once completed; check the recipient before you send.

7. Buying and selling

When you buy from a seller on HWFA, including through a product link, the contract for the item is between you and the seller. Sellers are responsible for their listings, prices, the quality and legality of their products, delivery, refunds and any taxes. HWFA provides the platform and payment processing and charges sellers a fee shown in the app; customers may pay a payment-processing fee shown at checkout. If something goes wrong with an order, contact the seller first; if you can’t resolve it, contact support@hwfapp.com and we will help where we can.

8. Store bots and automatic replies

Businesses can let HWFA’s store bot answer customers automatically. Replies are generated from the business’s own products and settings; the business remains responsible for what its bot tells customers. The bot does not use an outside AI service.

9. HWFA’s service

We work to keep HWFA available and secure but we provide it “as is”. Features may change, and the service may sometimes be unavailable. To the extent the law allows, HWFA is not liable for indirect or consequential losses, lost profits, or for what other users post, sell or do. Our total liability to you for any claim is limited to the greater of the fees you paid HWFA in the 12 months before the claim or ₦50,000. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer under Nigerian law.

10. Ending your account

You can delete your account at any time in Settings, Delete account; your wallet must be empty first. Our Privacy Policy explains what is deleted and what we must keep. We may close accounts as described in section 4.

11. Changes and disputes

We may update these terms. If a change is important we will tell you in the app before it applies; using HWFA after that means you accept the new terms. These terms are governed by the laws of the Federal Republic of Nigeria. We will try to settle any dispute informally first; if we can’t, the courts of Nigeria have jurisdiction.

12. Contact

HWFA LTD, 16A Refinery Drive, NNPC Housing Estate, Warri, Delta State, Nigeria. Email: support@hwfapp.com.