Terms & Conditions

Last updated: 17 July 2026

These Terms & Conditions (“Terms”) govern your access to and use of the SmartWorks360 mobile app, employer dashboard, and related services (the “Services”), operated by Afransi Technologies (“we”, “us”, “our”). By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. The Services

SmartWorks360 is an HR and payroll platform that lets employers run payroll and manage their teams, and lets employees view payslips, request salary advances, and track an internal credit score. Salary advances are made available through your employer's participation and are subject to eligibility checks and the terms described below.

2. Your account

• You must be at least 18 years old and legally able to enter into a contract.
• Your login account (email, phone, and password) is personal to you and independent of any employer. Keep your credentials confidential; you are responsible for activity under your account.
• You agree to provide accurate information and to keep it up to date.
• Notify us promptly of any unauthorised use of your account.

3. Employers and employees

Where your employer uses SmartWorks360, your employer is responsible for the accuracy of the payroll and employment data it submits, for funding payroll and advance obligations, and for its own use of the dashboard. We act as a technology provider and are not your employer.

4. Salary advances

• Eligibility. Advances are offered at our and your employer's discretion, based on factors such as your salary history, credit score, verification status, and your organisation's available allocation. Eligibility is assessed each time you apply and is not guaranteed.
• Fees. A one-time service fee, disclosed to you before you accept, applies to each advance. There is no interest on advances that are repaid on schedule.
• Repayment. Advances are typically recovered from your next payroll run. You may also repay early. You authorise the applicable repayment method disclosed to you at the time of your advance.
• Default. If an advance is not repaid as scheduled, applicable charges and recovery measures described at the time of your advance may apply, and your eligibility for future advances may be affected.
• Verification. Your first advance requires identity verification (including BVN and ID checks). Providing false information may result in suspension and reporting to relevant authorities.

5. Payments

Disbursements, wallet funding, and card transactions are processed by licensed payment partners. We are not liable for delays or failures caused by banks, payment processors, or network downtime outside our reasonable control, but we will work to resolve issues promptly.

6. Acceptable use

You agree not to:

• Use the Services for any unlawful, fraudulent, or abusive purpose.
• Provide false, misleading, or another person's information.
• Attempt to access, disrupt, or reverse-engineer the Services or circumvent security controls.
• Use the Services in any way that infringes the rights of others.

7. Intellectual property

The Services, including all software, content, and the SmartWorks360 name and logo, are owned by Afransi Technologies and its licensors. We grant you a limited, non-exclusive, non-transferable licence to use the Services for their intended purpose. No other rights are granted.

8. Disclaimers

The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Services will be uninterrupted, error-free, or secure.

9. Limitation of liability

To the maximum extent permitted by law, Afransi Technologies will not be liable for any indirect, incidental, special, or consequential losses, or for loss of profits, data, or goodwill, arising from your use of the Services. Nothing in these Terms excludes liability that cannot lawfully be excluded.

10. Suspension and termination

You may stop using the Services at any time. We may suspend or terminate your access if you breach these Terms, if required by law, or to protect the Services and other users. Obligations that by their nature should survive termination — including repayment obligations — will continue to apply.

11. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here with a new “Last updated” date and, where appropriate, notify you in the app. Continued use of the Services after changes take effect means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the Federal Republic of Nigeria, and disputes are subject to the jurisdiction of its courts.

13. Contact us

Questions about these Terms? Contact support@smartworks360.afransi.ng.