Terms and Conditions.

Welcome to Wishnests. Every wish starts here.

Wishnests is an online social gifting and celebration platform that enables people to gather wishes, messages, photographs, videos, voice notes, and monetary gifts for birthdays, weddings, anniversaries, graduations, corporate celebrations, and other meaningful occasions.

Through Wishnests, users can create dedicated occasion pages called "nests" and share them with friends, family, colleagues, and other contributors.

These Terms and Conditions ("Terms") govern your access to and use of the Wishnests website, its features, and related services.

By creating a nest, registering for an account where required, submitting a wish, making or receiving a cash gift, or otherwise using the Platform, you agree to these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not use the relevant services.

Wishnests is a product of Digital X Inter-ractive Nigeria Limited (trading as DXI Marketing), referred to in these Terms as "Wishnests", "we", "us", or "our".

Wishnests is a platform for collecting wishes and gifts for celebrations. It is not a bank, and it does not offer bank accounts, savings, or investment products. Sections 9 and 10 explain how cash gifts are received and paid out.

For the purposes of these Terms:

Platform means the Wishnests website, web application, and associated services.

User means any person who accesses or uses the Platform.

Nest means a dedicated occasion page created to collect wishes, messages, media, and, where enabled, cash gifts.

Nest Owner means the person who creates a nest. A Nest Owner may also be the Celebrant.

Celebrant means the person a nest is for and who is the only person entitled to receive the cash gifts contributed to that nest. This is the Nest Owner if they made the nest for themselves, or the person they invited if they made it for someone else.

Guest means a person who accesses a nest to submit a wish or contribute a cash gift.

Co-host means a person invited by a Nest Owner to assist with managing a nest.

Wish means a message, photograph, video, voice note, or other supported content submitted to a nest.

Cash Gift means money contributed by a Guest through the Platform for the benefit of the Celebrant of a nest.

Payment Partner means the licensed payment service provider used by Wishnests to process Cash Gift payments and refunds.

Event Day means the start date set for a nest.

Closing Date means the date a nest stops accepting wishes and Cash Gifts, which can be up to 30 days after the occasion ends.

Payout means a payment of Cash Gifts to a Celebrant, as described in Section 10.

Payout Account means the Nigerian bank account a Celebrant has saved on the Platform to receive Payouts.

Platform Fee means the fee charged by Wishnests on each Cash Gift, as described in Section 11.

KYC means Know Your Customer identity verification procedures.

Content means all messages, photographs, videos, voice notes, and other material created, uploaded, or shared through the Platform.

3.1 Eligibility

You must provide accurate information and comply with applicable laws when using Wishnests.

Users must be legally capable of entering into a binding agreement to use any service for which such capacity is required. Features involving cash gifts and payouts may be subject to additional eligibility and verification requirements.

Users under 18 may only use the Platform where permitted by applicable law and subject to any required parental or guardian involvement and safeguards. Section 10.5 explains what this means for Cash Gifts.

3.2 Guest Access

Guests may access a shared nest and submit wishes or Cash Gifts without creating a Wishnests account, subject to the features and controls available on that nest.

Some activities, including creating or managing a nest, accessing a dashboard, or receiving Cash Gifts, may require registration, authentication, or additional verification.

3.3 Account Information

Where account registration is required, you agree to provide accurate, current, and complete information and keep it updated.

You must not create an account using false information, impersonate another person, or use another person's identity without lawful authority.

3.4 Account Security

You are responsible for maintaining the confidentiality of your login credentials and taking reasonable steps to protect your account.

You must notify Wishnests promptly if you suspect unauthorised access to your account.

Wishnests may take reasonable steps to secure an account where unauthorised access or suspicious activity is suspected.

4.1 Creating a Nest

Wishnests allows eligible users to create a nest for themselves or another person.

Depending on the available features, a nest may include an occasion title, date, description, cover photograph, and settings governing the types of contributions Guests can submit.

The Nest Owner is responsible for ensuring that the information provided is accurate, that the occasion is genuine, and that the nest is created for a lawful purpose.

4.2 Creating a Nest for Another Person

A Nest Owner may create a nest to celebrate another person, including through a surprise celebration.

The Nest Owner must have a lawful basis for using any personal information, photographs, or other content relating to the Celebrant.

Creating a nest for another person does not automatically authorise the Nest Owner to access that person's private accounts or information outside the Platform.

Where a Nest Owner creates a nest for another person, the Nest Owner is not entitled to receive Cash Gifts contributed to that nest. Cash Gifts are paid only to the Celebrant, in accordance with Section 10.

4.3 Nest Settings

Depending on the available functionality, Nest Owners may be able to:

Choose which types of wishes Guests can submit.

Enable or disable Cash Gifts.

Set the dates of the occasion, when wishes open, and a Closing Date.

Pause submissions.

Hide individual wishes from other viewers.

Control whether Guests can see one another's wishes.

Enable surprise settings.

Invite Co-hosts.

Send thank-you messages to Guests.

These controls operate within the limits of the Platform's functionality and applicable law.

4.4 Pausing, Closing, or Deleting a Nest

A Nest Owner may pause a nest, which stops new wishes until it is resumed. Where Wishnests has paused a nest, only Wishnests can resume it.

A nest closes on its Closing Date, after which Guests can no longer submit wishes. A nest whose closing Payout has been paid cannot reopen.

A Nest Owner may delete a nest. This permanently removes the nest, its wishes, and its media, and cannot be undone. Deleting a nest does not refund Cash Gifts, so a Nest Owner should contact support before deleting a nest that has received any.

4.5 Platform Availability

Wishnests may modify or discontinue nest features where reasonably necessary for maintenance, security, operational requirements, or legal compliance.

We will endeavour to provide reasonable notice of material changes where appropriate and legally required.

5.1 Supported Content

Guests may be able to submit written messages, photographs, videos, and voice notes, depending on the settings of the relevant nest and the features available.

Wishnests may impose reasonable file-size, file-format, duration, or content restrictions to protect the Platform and ensure proper operation.

5.2 Responsibility for Submitted Content

You are responsible for content you submit, upload, or share through Wishnests.

You must ensure that you have the necessary rights and permissions to use any photographs, videos, voice recordings, text, or other material you submit.

You must not submit content that:

Infringes copyright, trademarks, privacy, or other legal rights.

Contains unlawful threats, harassment, hate speech, or targeted abuse.

Is fraudulent, deceptive, defamatory, or intended to impersonate another person.

Contains child sexual abuse material or other unlawful sexually exploitative content.

Contains malicious software or attempts to compromise the Platform.

Unlawfully discloses another person's personal, confidential, or sensitive information.

Otherwise violates applicable law or these Terms.

5.3 Licence to Host and Display Content

You retain ownership of content you create or upload, subject to the rights of third parties.

By submitting content to Wishnests, you grant us a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, process, display, and transmit that content as reasonably necessary to operate, provide, secure, and improve the services, subject to applicable law and our Privacy Policy.

This licence does not transfer ownership of your content to Wishnests.

We will obtain any additional permission required by law before using your content for promotional purposes outside the normal operation of the Platform.

5.4 Content Moderation

Wishnests may remove, restrict, or disable access to content where reasonably necessary to enforce these Terms, address complaints, protect users, comply with legal obligations, or maintain Platform security.

Nest Owners and Co-hosts may also hide wishes through the controls available to them. Anyone may report a nest or a wish to Wishnests, which may hide the wish or pause the nest.

Where appropriate and legally permissible, we may notify affected users of material moderation decisions.

Wishnests does not endorse every wish or item of content submitted by users and does not guarantee that all user-generated content will be accurate or appropriate.

5.5 Content Storage and Availability

Wishnests will handle submitted content in accordance with its Privacy Policy and applicable retention practices.

We do not guarantee that content will remain available indefinitely. Content may become inaccessible because of account closure, deletion requests, technical issues, moderation decisions, or changes to the service, subject to applicable law and any relevant financial or legal record-retention obligations.

6.1 Anonymous Contributions

Where anonymous submissions are supported, a Guest may choose to hide their name from other users viewing the wish.

Anonymity on the Platform does not mean that the Guest's identity is unknown to Wishnests, the Payment Partner, or other service providers.

Information required to operate the service, prevent fraud, investigate abuse, process payments and refunds, or comply with legal obligations may be processed in accordance with the Privacy Policy.

6.2 Anonymous Guest Contact Information

Wishnests is designed so that anonymous Guests' email addresses are not displayed to Nest Owners, Co-hosts, Celebrants, or other Guests.

Where the Platform supports sending thank-you messages to anonymous Guests, the relevant functionality may enable the message to reach the Guest without disclosing their email address to the Nest Owner.

This does not prevent disclosure where required by law or through a lawful process.

6.3 Visibility of Wishes

Whether Guests can view one another's wishes depends on the settings of the relevant nest.

Users should not assume that a wish is private unless the Platform clearly indicates that it is private or restricted.

6.4 Search Engine Visibility

Wishnests is designed so that personal nest pages are not indexed by search engines.

However, we cannot guarantee that third-party search engines, messaging services, or other external platforms will never display information about a shared link.

Anyone with access to a shared link may be able to access the information available through that link, subject to the nest's settings and access controls.

Users should exercise care when sharing links and uploading personal information.

7.1 Inviting Co-hosts

Nest Owners may invite Co-hosts to assist with managing a nest where this functionality is available.

A Co-host's permissions will depend on the access granted by Wishnests and the controls available to the Nest Owner.

7.2 Co-host Responsibilities

Co-hosts must use their access only for the intended purpose of managing or assisting with the relevant nest.

They must not misuse personal information, share restricted content without authorisation, misuse payment-related information, or engage in unlawful activity.

Co-hosts cannot add, change, or view a Celebrant's Payout Account, and cannot receive Cash Gifts contributed to the nest.

7.3 Removal of Co-hosts

A Nest Owner may remove a Co-host where the relevant controls are available.

Wishnests may restrict a Co-host's access where reasonably necessary to address security concerns, misuse, or legal requirements.

7.4 Responsibility for Access

Nest Owners should only invite people they trust.

Wishnests may provide access controls and activity monitoring, but Nest Owners remain responsible for choosing appropriate Co-hosts and managing the permissions available to them.

8.1 Purpose

Wishnests may offer settings that help users organise surprise celebrations.

Where a nest is created for another person, surprise functionality may delay notifying the Celebrant until the designated reveal. The Celebrant will be invited to join the nest at the reveal, and can then receive Cash Gifts in accordance with Section 10.

Where a Nest Owner creates a nest for themselves and enables a surprise setting, the Platform may limit what they can see before the reveal, such as displaying only the number of pending contributions.

8.2 Limitations

Surprise functionality depends on the settings selected and the features available.

Wishnests cannot guarantee that a surprise will remain secret if the Nest Owner, Co-host, Guest, or another person independently discloses information about it.

Users must not misuse surprise functionality to deceive, harass, threaten, or otherwise harm another person.

9.1 Cash Gift Functionality

Where enabled by the Nest Owner, Guests may contribute Cash Gifts to a nest through supported payment methods.

Cash Gifts are made for the benefit of the Celebrant of the nest and are paid only to the Celebrant. They are not paid to Co-hosts, to a Nest Owner who made the nest for someone else, or to Wishnests, other than the Platform Fee described in Section 11.

Before authorising a Cash Gift, the Guest is responsible for reviewing the amount, the nest, and the payment information shown at checkout.

Cash Gifts may only be enabled for personal celebrations. A nest must not be used to raise funds for charitable appeals, businesses, investments, or any purpose other than a gift to the Celebrant for the stated occasion.

9.2 Contribution Limits

The permitted amount for an individual Cash Gift is between ₦100 and ₦1,000,000.

Wishnests may adjust these limits where reasonably necessary for operational, security, payment partner, or regulatory reasons.

9.3 How Cash Gifts Are Processed

Cash Gift payments are processed by our Payment Partner, currently Paystack.

Cash Gifts are not deposits or savings. Wishnests does not provide bank accounts or interest.

Payments may also be subject to the Payment Partner's own terms, security controls, transaction monitoring, and payment method requirements.

9.4 Payment Confirmation and Records

A Cash Gift is not considered successfully made merely because a Guest has initiated a payment. Wishnests will rely on confirmation from the Payment Partner before recording a Cash Gift against a nest.

Wishnests is designed to record each confirmed Cash Gift against the relevant nest only once. The gift history shown on a nest is a record of confirmed contributions.

If a payment is pending, failed, reversed, disputed, or otherwise not confirmed, it may not be recorded or may be subject to subsequent adjustment in accordance with the Payment Partner's records and applicable law.

A Platform confirmation does not override the actual transaction status recorded by the Payment Partner or the relevant financial institution.

9.5 Accuracy of Transaction Information

Users must provide accurate information required to complete payments and Payouts.

Wishnests may investigate inconsistent payment records, suspected duplicate payments, disputed transactions, or other irregularities.

Where a Cash Gift has been incorrectly recorded because of a technical or processing error, Wishnests may correct the record and take reasonable steps, with the Payment Partner, to resolve the matter, subject to applicable law.

9.6 Refunds

Cash Gifts are not refunded automatically. A Guest who wants a refund should contact support, and Wishnests will review the request.

Where Wishnests issues a refund, it is made through the Payment Partner and the Guest is notified by email. Refund timelines depend on the payment method, the Payment Partner, and the Guest's bank or card issuer.

A refunded Cash Gift is removed from the nest and from any Payout not yet sent. If it has already been paid out, the amount is taken from the nest's next Payout.

9.7 Payment Disputes and Chargebacks

Where a Guest has been charged but a Cash Gift has not been recorded, Wishnests will investigate the transaction with the Payment Partner using the records available.

Cash Gifts may be subject to payment disputes, chargebacks, reversals, or investigations under the rules of the Payment Partner and card schemes. The outcome will depend on the transaction status, the reason for the dispute, and applicable rules and law.

A Cash Gift that has already been paid to the Celebrant may not be reversible through the original payment method.

Nothing in these Terms excludes any refund, consumer protection, or other remedy required by applicable law.

10.1 When Cash Gifts Are Paid

Each nest pays its Celebrant at most twice, plus any gift confirmed after that:

Event Day: from 3 PM Lagos time on the Event Day, a Payout is requested for everything collected so far. If that is under ₦1,000, it is held over to the Closing Date Payout.

Closing Date: a Payout is requested for whatever came in after that, once the nest has closed. The Celebrant may instead ask for it during the Closing Date, which closes the nest at that moment.

Late gifts: a Cash Gift confirmed after the closing Payout has been sent is paid separately.

A Payout is sent once the Cash Gifts in it have cleared with the Payment Partner, usually the next working day after the most recent gift. A Payout may be held while a nest is under review, or while a chargeback on one of its gifts is open.

Payouts are sent by the Wishnests team by bank transfer to the Payout Account, and are not instant. Funds may arrive later because of processing and bank timelines.

10.2 Where the Nest Is for Another Person

A Nest Owner who creates a nest for another person invites them by email. When that person accepts, they become the Celebrant and receive the nest's Payouts. The Nest Owner does not provide bank details for them.

If the Celebrant has not joined by the Event Day, no Event Day Payout is made and all Cash Gifts are included in the closing Payout, which waits until they have joined.

10.3 Where the Nest Is a Surprise

Where a Nest Owner has sealed a nest from themselves as a surprise, no Event Day Payout is made. All Cash Gifts are included in the closing Payout.

10.4 What Is Needed Before a Payout

Before a Payout can be sent, the Celebrant must have a saved Payout Account and an approved identity check. If either is missing, the Payout is placed on hold until both are complete. Wishnests sends a reminder on the Event Day to a Celebrant who has not finished.

Cash Gifts are not refunded because a Celebrant has not completed these steps.

A Payout Account must be a Nigerian bank account in the Celebrant's own name. Each user has one Payout Account, and Payouts only go to that account.

Wishnests uses the Payment Partner to look up the name on the account, and compares it with the name on the Celebrant's identity document. Wishnests asks for the account holder's BVN, but does not currently confirm it with a bank or verification provider. Where the names do not reasonably match, the identity check may be declined.

Replacing a Payout Account requires a recent sign-in and a new identity check. Payouts already waiting go back on hold until that check is approved.

The Celebrant is responsible for ensuring that the Payout Account details provided are accurate.

10.5 Celebrants Under 18

The identity check is only open to people aged 18 or over, so a person under 18 cannot receive Payouts.

10.6 Identity Verification

Identity checks are reviewed by the Wishnests team. The Celebrant provides their legal name, date of birth, a government ID number (NIN, international passport, voter's card, or driver's licence), a photograph of that ID, and a live selfie.

Wishnests may approve, reject, revoke, or block an identity check, and will notify the person by email. Up to 3 checks may be submitted in any 30 days.

Wishnests stores these details and photographs privately and logs each time staff open the photographs. It keeps only the last four digits of a BVN, along with coded fingerprints of ID numbers, BVNs, bank accounts, and ID photographs, used to detect when the same details are used across accounts.

10.7 Failed or Delayed Payouts

If a Payout fails, for example because of incorrect account details, a closed account, or a bank issue, Wishnests will notify the Celebrant by email with the reason. The Wishnests team can send it again to the Payout Account then on file.

10.8 Restrictions and Suspicious Activity

Wishnests or the Payment Partner may delay, restrict, or decline a Cash Gift or Payout where reasonably necessary to investigate suspected fraud, incorrect account details, identity inconsistencies, unauthorised activity, or compliance concerns.

Where appropriate and legally permissible, Wishnests may request further information or refer a matter to the Payment Partner or a competent authority.

Creating a nest, sharing a nest, and receiving wishes are free of charge.

Wishnests does not currently charge a subscription fee for its core services.

Wishnests charges a Platform Fee of 5% on Cash Gifts. A Guest pays the amount they choose at checkout. The Platform Fee is deducted when the Cash Gifts are paid out, so the Celebrant receives 95% of the gifts in each Payout. There is no separate fee to receive Cash Gifts.

Each Payout shows the Celebrant the gross amount and the Platform Fee.

A Guest's bank or card issuer may apply its own charges.

Wishnests will not represent that a Celebrant will receive the full value of a Cash Gift.

Wishnests may provide functionality for sending invitations, surprise announcements, reveal notifications, Payout updates, thank-you notes, and other service-related email notifications.

Nest Owners may use available templates or create custom thank-you messages.

Users must not use these features to send spam, harassment, deceptive messages, or unlawful content.

Delivery of an email may be affected by incorrect email addresses, recipient settings, email service providers, spam filters, or other factors outside Wishnests' reasonable control.

Wishnests does not guarantee that every email will be delivered, opened, or read. Celebrants should not rely solely on email notifications to know about their Cash Gifts.

13.1 Collection and Use of Personal Information

Wishnests may process personal information necessary to operate the Platform, manage accounts and nests, display wishes, send notifications, support users, verify payments, process payouts and refunds, prevent fraud, and meet legal obligations.

Depending on how the Platform is used, information may include:

Account and contact information.

Names and details associated with nests.

Wishes, photographs, videos, and voice notes.

Guest email addresses and other submission details.

Payment transaction references and related records.

Payout Account details, account name lookups, and the last four digits of a BVN.

Identity documents, ID numbers, selfies, and the results of identity checks.

Technical information needed for security and service operation.

13.2 Legal Compliance

Wishnests will handle personal information in accordance with its Privacy Policy and applicable Nigerian data protection law, including the Nigeria Data Protection Act 2023.

13.3 Third-Party Service Providers

Wishnests may share relevant information with service providers such as the Payment Partner, hosting providers, email delivery services, and analytics providers where necessary and lawful to provide the services.

The information shared will depend on the relevant service and processing arrangement.

13.4 Security

Wishnests will implement appropriate safeguards to protect personal information in accordance with applicable legal obligations.

However, no online system can guarantee absolute security.

Users should take reasonable care when sharing links, uploading media, and providing personal information.

13.5 Data Retention and Deletion

Personal information will be retained for as long as reasonably necessary for the purposes for which it was collected, subject to applicable law, legitimate operational requirements, dispute handling, and financial record-retention obligations.

Users may delete their own account from their profile, once no Payout is owed to them. Other requests to access, correct, or delete personal information may be submitted through the contact details in these Terms or the Privacy Policy.

Records of Payouts already sent are kept after an account is deleted, with the account number reduced to its last four digits. The fingerprints described in Section 10.6 are also kept. Videos made of a nest's wishes are deleted after 90 days. Deletion may be subject to legal retention obligations or other lawful grounds for continued processing.

The Wishnests name, logo, branding, website design, original templates, software, interface, and other Platform materials are owned by or licensed to Wishnests, unless otherwise stated.

Users may use these materials only as permitted through the Platform or with appropriate authorisation.

Users must not reproduce, sell, redistribute, reverse-engineer, or commercially exploit Wishnests' intellectual property without permission, except where applicable law permits.

Nothing in these Terms transfers ownership of Wishnests' intellectual property to users.

Users agree to use Wishnests lawfully and responsibly.

Users must not:

Access another user's account or restricted dashboard without authorisation.

Interfere with the Platform's security, performance, or operation.

Introduce malicious code or attempt to compromise the website.

Use automated tools to abuse the services.

Send spam or engage in deceptive communications.

Misuse anonymous submissions or surprise functionality.

Circumvent payment, verification, or account security controls.

Use Wishnests to facilitate fraud, impersonation, harassment, money laundering, or other unlawful activity.

Create a nest for a false occasion, or misrepresent the identity of the Celebrant.

Use a nest to raise funds for any purpose other than a personal gift to the Celebrant.

Submit false payment information or manipulate gift records.

Attempt to redirect or receive Cash Gifts intended for another person.

Infringe the rights of Wishnests or another person.

Wishnests may investigate suspected misuse and take proportionate action in accordance with these Terms and applicable law.

Wishnests may integrate with or rely on third-party websites, payment services, email services, hosting providers, and other external tools.

Third-party services may operate under separate terms and privacy policies.

Wishnests does not control the independent operations of third parties and is not responsible for their independent content or practices, except to the extent responsibility arises under applicable law or from Wishnests' own conduct.

Users may be required to comply with additional terms or verification requirements when using a third-party service.

Wishnests aims to provide a reliable user experience but does not guarantee uninterrupted or error-free availability.

The Platform may be unavailable because of maintenance, upgrades, security incidents, connectivity problems, or circumstances beyond Wishnests' reasonable control.

Wishnests may modify, suspend, or discontinue features where reasonably necessary. Where a change materially affects users, Wishnests will endeavour to provide reasonable notice where practicable and legally required.

If Cash Gift functionality is suspended or discontinued, Cash Gifts already contributed will still be paid to Celebrants or refunded to Guests in accordance with these Terms.

These provisions do not remove mandatory rights users may have under applicable law.

Users may stop using Wishnests and request account closure through available account settings or by contacting support.

Wishnests may suspend, restrict, or terminate an account where reasonably necessary if:

The user materially breaches these Terms.

The account is reasonably suspected of being compromised or used fraudulently.

Required verification is not completed for a restricted feature.

The user engages in unlawful activity or creates a material security risk.

Continued access would expose Wishnests or its users to material harm.

Suspension or termination is required by law or a competent authority.

Where appropriate and legally permissible, Wishnests will notify the affected user and provide an opportunity to address the issue.

An account cannot be deleted while a Payout owed to it has not been sent. Account closure does not cancel or resolve pending Cash Gifts, payouts, refunds, or payment disputes. Such matters will be handled in accordance with these Terms, applicable law, and the Payment Partner's arrangements.

Content and personal information will be handled in accordance with the Privacy Policy and applicable retention obligations.

To the extent permitted by applicable law, Wishnests is provided on an "as available" basis.

Wishnests does not guarantee uninterrupted availability, error-free operation, or that every user-generated wish will be accurate, appropriate, or reliable.

Wishnests does not guarantee that a surprise will remain confidential, that every wish will be delivered or read, or that a particular personal or emotional outcome will result from using the Platform.

Nothing in these Terms excludes representations, warranties, or statutory protections that cannot lawfully be excluded under Nigerian law.

To the maximum extent permitted by applicable law, Wishnests will not be liable for indirect or consequential losses where such liability may lawfully be excluded.

Subject to applicable law, Wishnests will not be responsible for losses arising solely from inaccurate information supplied by a user, including incorrect Payout Account details, or from the independent actions of a third party outside Wishnests' reasonable control.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law, including liability that cannot lawfully be excluded for fraud, wilful misconduct, or other protected rights.

Nothing in these Terms limits mandatory consumer rights or remedies available under applicable law.

To the extent permitted by applicable law, users may be responsible for losses, claims, or reasonable costs directly arising from their unlawful use of Wishnests, material breach of these Terms, or infringement of another person's rights.

This provision does not make users responsible for losses caused by Wishnests' own unlawful conduct or circumstances for which users cannot legally be held liable.

Users with complaints about Wishnests should contact support using the details below and provide sufficient information for the matter to be investigated.

Complaints involving Cash Gifts, payouts, or refunds should include the relevant transaction reference or case details where available.

Users should not send passwords, full BVNs, card details, or unnecessary identity documents through unsecured communication channels.

Wishnests will endeavour to review complaints fairly and respond within a reasonable period.

Where a dispute cannot be resolved directly, the parties may pursue available dispute-resolution processes or legal remedies under applicable law.

Nothing in this section prevents users from exercising a statutory right to complain to a relevant regulator, including the Federal Competition and Consumer Protection Commission, or seek relief before a competent authority or court.

These Terms are governed by the laws of the Federal Republic of Nigeria, to the extent applicable.

Subject to mandatory legal rights and jurisdictional rules, disputes relating to these Terms may be brought before a court of competent jurisdiction in Nigeria.

Wishnests may update these Terms to reflect changes in its services, operational practices, security requirements, or legal obligations.

The updated version will be published on the website with a revised "Last Updated" date.

Where a change materially affects users, Wishnests will provide reasonable notice where appropriate and legally required.

Where affirmative consent is legally required for a change, Wishnests will obtain that consent.

Changes will not affect Cash Gifts already contributed, which will be handled under the Terms in force when they were made, unless the change is required by law.

Continued use of Wishnests after an update takes effect will constitute acceptance only to the extent permitted by applicable law.

25.1 Entire Agreement

These Terms, together with the Privacy Policy and any applicable feature-specific terms, form the agreement governing the use of Wishnests.

25.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

25.3 No Waiver

A failure or delay by Wishnests to enforce a provision does not constitute a waiver of its rights.

25.4 Assignment

Users may not transfer their rights or obligations under these Terms without appropriate authorisation.

Wishnests may transfer its rights or obligations where legally permitted, provided that doing so does not unlawfully prejudice users' rights.

For questions, complaints, or requests relating to these Terms, please contact:

Wishnests

Email: wishnestsdxi@gmail.com

Telephone and WhatsApp: +234 7040855698

Website: https://wishnests.com

Registered Legal Entity: Digital X Inter-ractive Nigeria Limited (trading as DXI Marketing)