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Ruka Pro - User Terms and Conditions

Last Updated: February 5, 2026

These Terms and Conditions ("Agreement") govern your use of the services provided by Ruka Pro ("Platform," "We," "Us"). By using our platform, you ("User," "You") agree to comply with this Agreement.

1. Account Registration

  • You must provide accurate and complete information during registration.
  • You are responsible for maintaining the confidentiality of your account credentials.
  • Notify us immediately of any unauthorized use of your account.

2. Wallet & Payments

  • You must maintain sufficient balance in your wallet to access paid services.
  • All service fees are deducted automatically from your wallet at the time of transaction.
  • Wallet top-ups are non-refundable unless required by law.
  • The Platform is not responsible for losses due to incorrect transactions initiated by you.

3. Service Fees & Deductions

The following services incur automatic wallet deductions:

Service Fees
Item Receive ₦10 per transaction
Product Boost ₦500 for 7 days visibility
Ad Creation
  • Daily: ₦15,000
  • Weekly: ₦125,000
  • Monthly: ₦750,000
  • Yearly: ₦1,500,000
User/Professional Registration ₦2,000
Company Registration ₦20,000
POS Debt Recording ₦20 per debt transaction
Important: All fees are final and non-refundable once a service is activated or a transaction is processed.

4. Independent Third Parties – No Employment Relationship

You acknowledge and agree that:

  • Agents, Super Agents, Landlords, Property Owners, Professional Experts (e.g., lawyers, consultants, technicians), and other service providers listed on our platform are independent third parties.
  • These individuals or businesses are NOT employees, agents, partners, or representatives of Ruka Pro.
  • Ruka Pro does not employ, supervise, or control them in any way.
  • We act solely as a technology platform that connects you with these independent service providers.
  • All agreements, transactions, and interactions between you and these third parties are entirely your responsibility.
  • Ruka Pro shall not be liable for the quality, safety, legality, or outcome of any service provided by these third parties.

5. Your Responsibilities

  • Use the platform only for lawful purposes.
  • Do not upload illegal, offensive, or infringing content (e.g., fake IDs, stolen images).
  • Ensure all product, company, or ad information is truthful and accurate.
  • You are solely responsible for compliance with tax and regulatory obligations in your jurisdiction.
  • Exercise due diligence when engaging with any third-party service provider.

6. Platform Rights

  • We may modify service fees with 7 days' notice via email or in-app notification.
  • We reserve the right to suspend or terminate accounts involved in fraud, abuse, or policy violations.
  • We may audit transactions to ensure system integrity.

7. No Commission or Referral Earnings

As a standard user (non-Agent), you do not earn commissions from referrals or transactions. If you wish to earn commissions, you must register separately as an Agent or Super Agent under our Agent Program.

8. Limitation of Liability

To the fullest extent permitted by law, the Platform shall not be liable for:

  • Indirect, incidental, or consequential damages.
  • Loss of data, profits, or business opportunities.
  • Delays or failures due to maintenance, technical issues, or force majeure events.
  • Any dispute, injury, loss, or damage arising from your interaction with third-party service providers.

9. Governing Law

This Agreement is governed by the laws of Nigeria. Any disputes shall be resolved in the courts of Lagos State.

10. Acceptance

By using our services, you confirm that you have read, understood, and agreed to these Terms and Conditions.

Ruka Pro - Agent Terms and Conditions

Last Updated: February 5, 2026

These Terms and Conditions ("Agreement") govern the relationship between Ruka Pro ("Platform," "We," "Us") and any individual or entity registered as an Agent or Super Agent ("You," "Agent") on our platform.

By registering as an Agent or Super Agent, you agree to be bound by this Agreement.

1. Definitions

  • Agent: A user registered under an acode who earns 30% commission on qualifying transactions made by users they refer.
  • Super Agent: A user registered under an scode who earns 10% commission on qualifying transactions made by users they refer.
  • Referred User: A user who signs up using your valid acode (for Agents) or scode (for Super Agents).
  • Qualifying Transaction: Any transaction that incurs a service fee (e.g., item receive, ad creation, company registration, product boost, POS debt recording, etc.) paid by a Referred User.
  • Commission: The percentage of the service fee distributed to Agents/Super Agents as outlined in Section 3.

2. Eligibility & Registration

  • You must be at least 18 years old and provide valid identification to register as an Agent or Super Agent.
  • Your acode (for Agents) or scode (for Super Agents) is unique and non-transferable.
  • You may not use fake accounts, bots, or deceptive practices to generate referrals.
  • The Platform reserves the right to suspend or terminate your Agent status for fraud, abuse, or violation of these terms.

3. Commission Structure

Commissions are calculated only on the service fee paid by a Referred User and distributed as follows:

Referred By Platform (Admin) Super Agent (scode) Agent (acode)
Agent (acode) 60% 10% 30%
Super Agent (scode) 90% 10% 0%
Self-registered 100% 0% 0%
Examples:
• A Referred User pays ₦20,000 for company registration via your acode
  You (Agent) earn ₦6,000 (30%), Super Agent earns ₦2,000 (10%), Platform keeps ₦12,000 (60%).

• A Referred User pays ₦500 to boost a product via your scode
  You (Super Agent) earn ₦50 (10%), Platform keeps ₦450 (90%).

Note: Commissions are only paid if:

  • The Referred User's acode/scode matches your valid agent code in our system.
  • The transaction is successfully completed and paid.
  • You are an active, verified agent at the time of the transaction.

4. Commission Payout

  • Commissions are credited instantly to your wallet on the Platform after the transaction is confirmed.
  • You may withdraw your wallet balance subject to our withdrawal policy.
  • The Platform is not responsible for lost commissions due to incorrect bank details or unverified accounts.
  • All commission earnings are final and non-refundable once credited.

5. Your Responsibilities

As an Agent or Super Agent, you agree to:

  • Promote the platform honestly and ethically.
  • Not misrepresent commission rates or platform features.
  • Not engage in spam, phishing, or unauthorized marketing.
  • Keep your contact and bank details updated.
  • Comply with all applicable laws and regulations in your jurisdiction.

6. Platform Rights

We reserve the right to:

  • Modify commission rates with 30 days' notice.
  • Suspend or terminate your Agent status for misconduct.
  • Audit your referrals and commission activity at any time.
  • Withhold commissions if fraud or policy violation is suspected.

7. No Employment Relationship

This Agreement does not create an employer-employee, partnership, or joint venture relationship. You are an independent referrer, not an employee of the Platform.

8. Agent & Super Agent Tenure and Termination Policy

8.1 Tenure Period: All Agents and Super Agents are engaged for a fixed term of ten (10) years from their registration date.

8.2 Termination: Upon completion of the ten-year term, the Agent's or Super Agent's account will be automatically terminated, and they will no longer be eligible to earn commissions.

8.3 Death Before Term Completion: In the event of an Agent's or Super Agent's death before the completion of their ten-year term, their next of kin (as legally documented) shall be entitled to receive the deceased's commission share for the remaining duration of the ten-year term.

8.4 Next of Kin Requirements: The next of kin must provide legal documentation proving their relationship to the deceased Agent/Super Agent and must register with the Platform within 90 days of the Agent's/Super Agent's death to claim entitlement.

8.5 No Extension: The ten-year term is non-renewable and non-extendable under any circumstances.

9. Limitation of Liability

The Platform shall not be liable for:

  • Indirect, incidental, or consequential damages.
  • Loss of profits or data.
  • Delays in commission payout due to technical issues or force majeure.

10. Governing Law

This Agreement shall be governed by the laws of Nigeria. Any disputes shall be resolved in the courts of Lagos State.

11. Acceptance

By registering as an Agent or Super Agent, you acknowledge that you have read, understood, and agreed to these Terms and Conditions, including the specific provisions regarding the ten-year tenure and next of kin entitlements.

Contact Us

For questions about commissions or your account, contact:
📧 support@rukapro.com
📞 +234 XXX XXX XXXX

Ruka Pro Privacy Policy

Last Updated: February 5, 2026

1. Information We Collect

We collect the following personal information when you use our services:

  • Account Information: Name, email, phone number, address, profile picture
  • Business Data: Product listings, property details, inventory records
  • Financial Information: Bank details (for agents), wallet transactions
  • Device & Usage Data: IP address, browser type, pages visited, app interactions
  • Uploaded Content: Photos, documents, videos you upload to the platform

2. How We Use Your Information

  • To provide and maintain our inventory management services
  • To process transactions and manage your wallet
  • To verify your identity during registration
  • To improve our app features and user experience
  • To detect, prevent, or address technical issues and fraud
  • To comply with legal obligations and regulatory requirements

3. Data Sharing & Disclosure

We do not sell your personal information. We may share data only in these cases:

  • With Service Providers: Hosting, analytics, and customer support partners
  • For Legal Compliance: If required by law or to protect our rights
  • With Your Consent: For example, when you list a product for public view

4. Data Security

We implement industry-standard measures including:

  • SSL/TLS encryption for all data transfers
  • Password hashing using bcrypt
  • Secure file upload handling
  • Regular security audits

5. Your Rights

You have the right to:

  • Access, correct, or delete your personal data
  • Withdraw consent at any time
  • Request a copy of your data (data portability)
  • Opt out of marketing communications

Contact us at support@rukapro.com to exercise these rights.

6. Cookies & Tracking

We use cookies and similar technologies to:

  • Remember your preferences
  • Analyze site traffic (via Google Analytics)
  • Deliver personalized ads (via Google AdSense/AdMob)

You can manage cookie preferences through your browser settings.

7. Children's Privacy

Our services are not intended for users under 18 years of age. We do not knowingly collect data from children.

8. Changes to This Policy

We may update this Privacy Policy periodically. The updated version will be posted here with a new effective date.

9. Contact Us

If you have questions about this policy, please contact:

Ruka Pro Support
Email: support@rukapro.com
Address: Lagos, Nigeria

Important Disclaimer

Last Updated: February 5, 2026

1. No Professional Advice

The Ruka Pro platform provides inventory, property, and product management tools. It does not offer legal, financial, tax, or professional advice. Consult a qualified professional for such matters.

2. Third-Party Content

Users may list products, properties, or services from independent third parties (agents, landlords, professionals). Ruka Pro:

  • Is not responsible for the accuracy, quality, or legality of third-party content
  • Does not endorse any listed item, service, or provider
  • Acts solely as a technology platform to facilitate connections

3. No Guarantee of Results

While we strive for accuracy, we do not guarantee:

  • That product listings or property details are error-free
  • That transactions will be completed successfully
  • Specific business outcomes or earnings from using our platform

4. Limitation of Liability

To the fullest extent permitted by law, Ruka Pro and its affiliates shall not be liable for:

  • Indirect, incidental, or consequential damages
  • Loss of profits, data, or business opportunities
  • Any disputes between users and third-party service providers
  • Technical issues, downtime, or force majeure events

5. User Responsibility

You agree to:

  • Use the platform lawfully and ethically
  • Verify all information before making decisions
  • Assume full responsibility for your interactions with other users

6. Jurisdiction

This disclaimer is governed by the laws of Nigeria. Any disputes shall be resolved in the courts of Lagos State.

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How to Use Ruka Pro

Advanced Features

search

Lost & Found

Quickly report and locate lost items with our advanced search and notification system. Connect finders with owners seamlessly.

inventory

Item Keeping

Comprehensive item management with QR codes, real-time tracking, condition monitoring, and automated alerts.

account_balance

Debt Recording

Track debts and payments with detailed records, automated reminders, and comprehensive reporting.

campaign

Advertisement

Create and manage promotional campaigns with targeted messaging and performance analytics.

event

Event Creation

Plan and organize events with attendee management, scheduling, and automated notifications.

security

Gatepass Management

Issue and track gatepasses with digital approvals, visitor logs, and security integration.

Smart Item Keeping

Complete Item Management Solution

Our system provides end-to-end management for all your inventory needs:

  • Unique QR code for every item
  • Real-time location tracking
  • Condition monitoring with photo evidence
  • Automated low-stock alerts
  • Comprehensive reporting and analytics
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