Legal Documents


We at Tanadi are poised to deliver our services to the satisfaction of our customers as we are here to serve you the very best way we can. However, there may be circumstances where you feel that we have fallen short of this. We are very much open to such complaints and take them seriously.

We encourage our customers to make such complaints known to us in order to help us serve them better. We will endeavor to do our utmost to resolve complaints as efficiently and effectively as possible.

  • Filing a complaint


    All forms of communication between us and you must be in English language, in understandable and clear manner.

    Complaint’s details

    Your complaints must be accompanied with the following details

    • Full Name
    • Account/Wallet I.D
    • Contacts – Phone number and email address
    • Description of the claim/complaint, disclosing circumstances such as: date, time, transaction number, actions taken during the incident.
    • Any attachments to support your claim/complaint such as: screenshots, correspondence with support (if any), received confirmation emails with regards to transactions (if any) etc.
  • Delievery of a complaint

    All Complaints must be delivered by email to and/or by registered mail to:

    Tanadi Digital Cooperative Limited

    Suite 521, The Kings Plaza, Opposite NAF Conference center, Ahmadu Bello way, Kado, FCT, Abuja, Nigeria.

  • Review of complaint

    After the submission of the complaint, our Customer support representative will acknowledge your submission and the investigation process starts immediately.

  • Decision

    Tanadi will inform the Complainant of the outcome of the investigation, together with any proposed remedial action. The action taken may include among other a simple but sincere apology (if no monetary damage was caused), fixing the cause of the problem and offering the Client a compensatory reward, or any combination of the above. Tanadi would also provide justification and detail the reasoning behind any rejected Complaint.

Acceptable Use Policy

This acceptable use policy (the Acceptable Use Policy) sets out the terms between you and us under which you may access our website

This Acceptable Use Policy applies to all users of, and visitors to, our Site and is incorporated into our General Terms of Use and, together with the Acceptable Use Policy, governs your use of the Site and the services and products contained and provided therein, whether as guest or registered user.

Please read this Acceptable Use Policy carefully before you start to use our Site, as this policy will apply to your use of the Site.

By using and/or visiting the Site you agree to this Acceptable Use Policy and the Terms of Use and you expressly consent and agree to be bound by this Acceptable Use Policy and the Terms of Use and all applicable laws and regulations that govern the Site and the services and/or products offered by Tanadi Digital Cooperative Limited and/or any group company on the Site which you may avail of (the Services).

Use of the Site includes accessing, browsing or registering to use the Site. By using the Site, you accept the terms of this Acceptable Use Policy.

  • Restricted Uses

    You may use our Site only for lawful purposes. You may not use our Site or its Services for transactions that:

    1. breaches any applicable local, national or international law or regulation;
    2. are unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect;
    3. have the purpose of harming or attempting to harm minors in any way;
    4. relate to sale of sexually oriented material or services that are of an offensive nature
    5. transmit, or procure the sending of, any unsolicited or unauthorized advertising or promotional material or any other form of similar solicitation (spam); or certain multi-level marketing programs.
    6. relate to stolen goods, narcotics and drug paraphernalia, Cigarettes, steroids, Controlled substances and other products that pose a threat to consumer safety.
    7. relate to the sale of firearms, ammunitions and other firearm accessories that may be prohibited by law
    8. promote racial intolerance, hate and violence
    9. allow for financial gains from a crime
    10. support Ponzi schemes and other such schemes that promise quick profits and substantial wealth.
    11. relate to corruption and bribery
    12. relate to Lottery contracts and annuities.

    You also agree:

    1. not to reproduce, duplicate, copy or re-sell any part of our Site in contravention of the provisions of this acceptable use policy and/or our Terms;
    2. not to access without authority, interfere with, damage or disrupt:
      • any part of our Site;
      • any equipment or network on which our Site is stored;
      • any software used in the provision of our Site; or
      • any equipment or network or software owned or used by any third party.
  • Suspension and Termination

    We will determine, in our discretion, whether there has been a breach of this Acceptable Use Policy through your use of our Site. When a breach of this policy has occurred, we may take such action as we deem appropriate.

    Failure to comply with this Acceptable Use Policy constitutes a material breach of this Acceptable Use Policy and the Terms, and may result in our taking all or any of the following actions:

    • immediate, temporary or permanent withdrawal of your right to use our Site;
    • issue of a warning to you;
    • legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach;
    • further legal action against you;
    • disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

    We exclude liability for actions taken in response to breaches of this Acceptable Use Policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.

  • Changes to the Acceptable Use Policy

    We may revise this Acceptable Use Policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you. Some of the provisions contained in this Acceptable Use Policy may also be superseded by provisions or notices published elsewhere on our Site.

Privacy Policy

  1. Scope

    This Privacy Policy sets out how we, Tanadi Digital Cooperative Limited, gather, store and use data about you when you use or connect with our sites, mobile application software (App) or any of the Services accessible through the App (Services).

  2. Personal Data we may collect from you

    We may gather data about you when you visit our Sites or utilize our Services, including the accompanying:

    Information you provide for account opening (Personal identification information)

    This may include:

    • Full name (including middle name if applicable)
    • Mobile Phone number
    • Email address
    • Password
    • Transaction Pin
    • Date of Birth
    • Identification Information for Verification (ID card)

    Device information

    When you visit our website or make use of our mobile application on your device, Tanadi may collect and store sign on data from the device you use to enroll or to access your account that may uniquely identify the device. This may include:

    • Type of mobile device you use, unique identifiers (for example, your Device’s IMEI or serial number), information about the SIM card used by the Device, mobile network information, your Device’s operating system, the type of browser you use, or your Device’s location and time zone setting (Device Information);
    • information stored on your Device, including call logs, SMS logs, photos, videos or other digital content (Content Information);
    • data from your use of any other third-party application on the Device or the Service Sites; and
    • details of your use of any of our Apps or your visits to any of Our Service Sites; including, but not limited to, traffic data, location data, weblogs and other communication data (Log Information).

    Transaction Information

    When you send or receive money to or from family and friends, we may collect data on:

    • Description of the transaction and amount (Sent or Received)
    • Details of receiving client, Phone number, email address, account information.

    Contact Information

    It may be easier for us to help you transact with your friends and contacts if you choose to connect your contact list information with your Account. If you choose to connect your contact list information on your device with your Account and/or establish an account connection between a social media platform and your Account, we will collect and use your contact list or friend list information to improve your experience when you use the Services.

    Information during correspondence

    We may collect additional information from or about you when you communicate with us, contact our customer support teams or respond to a survey.

    Information about you from third-party sources

    Because of the type of the Services we provide, we are required to work with a number of third parties (including Mobile Network Providers, Payment Processors) and we may receive information about you from them.

  3. How we obtain these data?

    You directly provide us with most of the data we collect. We collect data and process data when you:

    • Open an account with Tanadi by registering via our website, on our mobile application or by dialing our unique USSD code.
    • Voluntarily give permission to our mobile application to access your device information or use our website via your browser’s cookies.
    • From cookies. We may use mobile tracking technologies and/or Website cookies to distinguish you from other users of the App, App Site, or Services Sites and to gather information about your computer for our services and to provide statistical information regarding the use of our Website.
    • Send email to us or contact our support team

    Tanadi may also receive your data indirectly from the following sources:

    • Mobile Network Providers (Airtel, Etisalat or MTN)
    • Payment Processors (Paystack)
  4. How do we use these Data?

    We may process your information for the following reasons:

    • Personal Information can be used by Tanadi to mainly
      • Verify your identity and authenticate your access to an Account;
      • To initiate a send or receive money request
      • To perform creditworthiness
      • Communicate with you about your Account, the Website, App or the Services; send email notifications which are of a promotional or general information nature, such as updates etc.
      • Create an account connection between your Account and a third-party account or platform;
    • To manage risk and comply with all applicable laws and regulations including but not limited to anti-money laundering obligations to help deter/prevent/detect fraudulent activities.
    • To market to you about special offers on services we think you might like.
  5. Do we share Personal Data?

    If you agree, we may share your Personal Data or other information about you with for the following reasons:

    With our partner financial institutions:We may share Personal Data with Taj Bank Limited or any other financial institution that we have partnered with to jointly create and offer a product.

    With other companies that provide services to us: We may share information about you and your Account with third-party service providers involved in processing your transactions. The information might include:

    • Personal Data and Account Information necessary to facilitate the transaction

    Please note that our service provider – not Tanadi Digital Cooperative Limited – collects and processes your credit card information. This payment processor adheres to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensures the secure handling of payment information. The payment processor we work with: Paystack. Their privacy policy can be viewed at

  6. How do we protect your Personal Data?

    We implement and maintain appropriate safeguards to protect personal data, taking into account in particular the risks to you, presented by unauthorised or unlawful processing or accidental loss, destruction of, or damage to their personal data.

    Safeguarding will include the use of encryption and pseudonymisation where appropriate. It also includes protecting the confidentiality (i.e. that only those who need to know and are authorised to use personal data have access to it), integrity and availability of the personal data. we regularly evaluate and test the effectiveness of those safeguards to ensure the security of our processing of personal data.

  7. How Do We Use Cookies and Tracking Technologies?

    When you visit our Websites, use our Services, or visit a third-party website for which we provide online Services, we and our business partners and vendors may use cookies and other tracking technologies (collectively, “Cookies”) to recognize you as a User and to customize your online experiences, the Services you use, and other online content and advertising; measure the effectiveness of promotions and perform analytics; and to mitigate risk, prevent potential fraud, and promote trust and safety across our Websites and Services. Certain aspects and features of our Services and Websites are only available through the use of Cookies, so if you choose to disable or decline Cookies, your use of the Websites and Services may be limited or not possible.

    Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not respond to DNT signals.

  8. What are your data protection rights?

    Tanadi would like to make sure you are fully aware of all of your data protection rights. Every user of our Services is entitled to the following:

    The right to access –You have the right to request Tanadi copies of your personal data. We may charge you a small fee for this service

    The right to rectification – You have the right to request that Tanadi correct any information you believe is inaccurate. You also have the right to request Tanadi to complete information you believe is incomplete.

    The right to erasure – You have the right to request that Tanadi erase your personal data, under certain conditions.

    The right to restrict processing> – You have the right to request that Tanadi restrict the processing of your personal data, under certain conditions.

    The right to object to processing– You have the right to object to Tanadi processing of your personal data, under certain conditions.

    The right to data portability– You have the right to request that Tanadi transfer data that we have collected to another organization, or directly to you, under certain conditions.

    If you make a request, we have one month to respond to you.

  9. Changes to This Privacy Policy.

    We may revise this Privacy Policy from time to time to reflect changes to our business, the Websites or Services, or applicable laws. The revised Privacy Policy will be effective as of the published effective date.

    If the revised version includes a substantial change, we will provide you with 30 days prior notice by posting notice of the change on the “Policy Update” page of our website. We also may notify Users of the change using email or other means.

How to contact us?

If you have any questions about Tanadi’s privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us.

Email us at:

Terms of Use

These Terms of Use represent an Agreement between you and Tanadi Digital Cooperative Limited, set out the Terms and Conditions and apply to the entire content of the Website whose homepage is located at , for the mobile application software, the data supplied with the software and the associated Services (the “App”) and to any correspondence by email between you (the “client” or “User” or “Borrower”) and us (the “Company”). By using our website, you represent that you have read and agree to be bound by, and to comply with, these Terms of Use. If for any reason whatsoever you do not wish to be bound by these Terms and Conditions, do not access or use the Website.

These Terms and Conditions are issued by Tanadi Digital Cooperative Limited whose main business is the provision of financial services closely related to the issuance of interest free Personal and SME loans, savings and Ethical Investment. A full description of the Service rendered is spelt out in the Key Information document which is accessible via Tanadi’s website.

  1. Introduction

    Our Details

    1. Tanadi Digital Cooperative Ltd (we, our and us) operates the website.
    2. Our registered address is Suite 521, The Kings Plaza, Opposite NAF Conference center, Ahmadu Bello way, Kado, FCT, Abuja, Nigeria.
    3. Our contact email address is
  2. Additional documents governing your use of our Website.

    In addition to these Terms of Use, your use of our Website is also governed by the following documents.

    1. Our Privacy Policy, which is available at Protecting your privacy is very important to us. We respect and are committed to protecting your privacy. Our privacy policy sets out the types of information we collect, the reasons we collect it, how we use it, where we may pass it on to any third parties, in what circumstances and for what reasons, and any other relevant information relating to our use and/or processing of your information and your rights in relation to your information.
    2. By accessing and using our website, you agree to be bound by the terms and conditions contained in these Terms of Use, you acknowledge that we will process your personal information in accordance with our privacy policy and you agree to abide by the Bye-laws of the Cooperative.
  3. Modifications of Terms of Use and other documentation

    1. We reserve the right to update these Terms of Use, our privacy policy and any other documentation referred to in any of these documents from time to time.
    2. If required by law, we will provide you with notice of any changes in these Terms of Use or the other documentation referred to in them by posting a notice on the website and/or by posting an updated version of these Terms of Use or other such documentation on our website with a new effective date stated at the beginning of them.
    3. By continuing to access our website after we have updated our Terms of Use, and/or user content agreement, you agree to be bound by those updated versions. You also acknowledge that by continuing to access our website after we have updated our privacy policy and/or Terms of Use, that the practices set out in those updated policies will apply to our handling of your information and our use of cookies and similar technologies.
    4. You must check these Terms of Use and all other documentation referred to in them each time you access our website in order to ensure that you are aware of the terms that apply to you at that time.
    5. The date that these Terms of Use and/or any other documents (including our privacy policy) were last amended is set out at the top of that document and is referred to as that document’s “effective date”.
  4. Accessibility of our website

    1. We make no representations and provide no warranties that:
      1. the website will be made available at any specific time or from any specific geographical location;
      2. your access to the website will be continuous or uninterrupted; or the website will be accessible or optimized on all browsers, computers, tablets, phones or viewing platforms.
    2. We reserve the right to suspend access to all or part of the website for any reason, including for business or operational reasons, such as improving the appearance or functionality of the website, content updates, periodic maintenance, or to resolve any issues that we become aware of. Wherever we anticipate that we need to suspend access to the website for a considerable period of time, we will try to provide you with prior notice where reasonably practicable.
    3. Our website is provided for users in the Nigeria. Although it may be possible to access the website from other countries, we make no representation that our website is compliant with any legal requirements enforced in any jurisdiction other than the Nigeria, or that the content available on the website will be appropriate for users in other countries or states.
  5. Accounts

    1. Eligibilty

      The services offered by Tanadi can only be utilized by persons who are:

      1. Citizens of Nigeria or legal Nigerian residents.
      2. At least 18 years of age. Any access to or use of Tanadi by anyone under 18 is unauthorized, unlicensed, and in violation of these Terms of Use.
    2. Opening an Account

      In order to access certain features of Tanadi, you must register to create an account. A User is only allowed to open and operate one account with Tanadi Digital Cooperative Limited.

      1. Opening account with an unverified status allows you to send electronic money (e-money), receive e-money, and/or withdraw money with certain limits. By going through the electronic form of the Tanadi website(s), you immediately obtain unverified status. To upgrade to verified status and increase your limit you must provide a scanned color copy of your government-issued photo ID such as National I.D, driver’s license and/or Work I.D that confirms the details you provided during the account opening;
      2. You agree that the information you provide to us on account registration through our website or mobile applications will be true, accurate, up-to-date and complete.
      3. All account information is provided for use of the named account holder only, and not for any other person. For security reasons, we ask you to not share any of your registration details (User name, Password, etc.) with any third party. You are responsible for any consequences of unauthorized access to your account.
      4. By creating an account, you automatically sign up for various types of alerts via e-mail and mobile notification. You may unsubscribe from marketing-oriented emails at any time.
    3. Closing of your Account (Termination of the Agreement)

      The period of this Agreement will extend from the day you open an Account with Tanadi to the day you either decide to close the Account, or Tanadi decides to close your account and terminate the Agreement for any one of the reasons stated in Section 7 below.

      1. You can close your account by sending an email to requesting the withdrawal of any available balances and the closing of the account. Your balance in the account, if any, should be fully withdrawn/redeemed at the time of the account closing and the Agreement should be terminated.
      2. Your Account cannot be closed if you have an outstanding payment for a loan to make.
      3. An Account cannot be closed if it is being investigated by Tanadi for fraud or other reasons that require such action. Tanadi has the right to hold the balance in your account, in order to protect itself or any third party against any potential liabilities of any nature.
      4. E-money in your e-wallet is valid until the time of redemption and will not be subject to any limitation. Despite the validity of the e-money in your account, if your account remains dormant (inactive) for a period of 36 months, Tanadi has the right to close the account or charge maintenance fees. All accounts with zero balance will be closed in which you will be notified that your account is closed and that the Agreement has been terminated.
      5. Without prejudice to Tanadi’s rights under clause 5.3.4, Tanadi may at its sole discretion suspend or close your Account:
        1. If your Account or agreement with a Mobile Network Operator is terminated for whatever reason, accounts operating via such Mobile Network Operators will be terminated.
        2. If Tanadi is required or requested to comply with an order or instruction of or a recommendation from the government, court, regulator or other competent authority;
        3. If Tanadi reasonably suspects or believes that you are in breach of these Terms and Conditions (including non-payment of any Loan amount due from you where applicable) which you fail to remedy (if remediable) within 14 days after the service of notice by email, SMS or other electronic means requiring you to do so;
        4. If Tanadi decides to suspend or cease the provision of the Services for commercial reasons or for any other reason as it may determine in its absolute discretion;
  6. Using our Services

    Tanadi offers zero interest soft loans to users (individuals and SMEs), automated savings and investment service, allows sending and receiving of payments to and from other users, all within the Cooperative and also withdraw/redeem e-money from Tanadi wallet to bank accounts.

    Sending Money

    1. To send e-money to another Tanadi user, log into your account and select the relevant button (“Send Money”, “Pay”, or any other word or phrase) and complete all the required information (mandatory fields).
    2. When sending e-money to another user, you are requesting an electronic transfer from your e-wallet account to that of the user’s.
    3. A periodic sending limit may be imposed on your Account either by requirement of the anti-money laundering laws and regulations, or at our reasonable discretion (for example, without limitation, to limit fraud or credit risk)
    4. Transactions will only be executed when there is available balance in your Tanadi wallet. To ensure that there is available balance, you need to review your account balance and if necessary, top up your account via bank or our provided payment gateways using bank cards. You may select the funding source of your preference.
    5. Your Transaction History and Balance details can be accessed by logging into your account, Tanadi will refrain from sending you periodic statements by either physical or electronic mail. With this you acknowledge and agree to review your transactions through your Account and the relevant transaction history section. If for any reason (such as restricted access) it is impossible to access your transaction history, you may contact us by email at

    Receiving Money

    1. Only Tanadi account holders can remit funds (e-money) to your e-wallet.
    2. A periodic receipt limit may be imposed on your Account either by requirement of the anti-money laundering laws and regulations, or at our reasonable discretion (for example, without limitation, to limit fraud or credit risk).
    3. Tanadi is entitled to review all payment transactions and will do so in cases it deems to be of higher than normal risk. Such reviews will occur when Tanadi has a reasonable suspicion that the payment transaction may involve a restricted or prohibited activity, or any other reason that may be determined by Tanadi from time to time.
    4. Invalidation of a transaction by means of reversal or cancelation, or suspension of a transaction does not release you from any liability towards Tanadi and you will remain liable for any amount due to Tanadi plus any Fees that relate to the payments.
    5. Tanadi is not responsible to determine any applicable taxes relating to your transaction, nor is it responsible to collect, report and emit any taxes arising from any transaction. You agree that it is your sole responsibility to determine the applicable taxes relating to a transaction and further to collect, report and remit tax balances arising from any transaction to the relevant tax authority
  7. Prohibited Activities

    Tanadi has listed a number of activities that are restricted or prohibited as they relate to the use of the Tanadi Services, the terms of this agreement, the applicable laws, regulations, directives and decrees that may be issued from time to time by the Company. Such activities include:

    1. Violating any law, regulation, directive, statute or contract in relation to the Service received, including without limitation, money laundering laws and regulations, consumer and personal data protection, the Electronic Money Institution Law and its directives;
    2. Using the Account for unauthorized purposes or where Tanadi detects any abuse/misuse, breach of content, fraud or attempted fraud relating to your use of the Services;
    3. Providing inaccurate, disingenuous, or entirely false (deliberately) information without justifiable cause;
    4. Refusing to provide confirmation of your identity and verification of your details when requested upon, in order for Tanadi to perform an investigation when needed.
    5. Intentionally or unintentionally facilitate any malicious computer programming routines that may cause damage, harmfully interfere with, clandestinely capture or steal any system, data or information;
    6. Using any device and/or software that intentionally or unintentionally interferes with the proper operation of our platform and website;
  8. Fees

    Tanadi charges the following fees:

    • Admin Fee: Tanadi charges you admin fee when you decide to invest in any of the ‘investment pots’ it opens for investing either with Taj Bank or Lotus Capital.
    • Account maintenance Fee: Tanadi charges you monthly from your available balance for account maintenance
    • When withdrawing via an agent, commission will be paid to the agent from your account upon completion of the transaction
  9. Default on Loan

    An event of default (Event of Default) occurs when:

    • You fail to pay any sum payable under a Loan in accordance with a scheduled repayment
    • Any representation/information, warranty or assurance made or given by the Borrower in connection with the application for Loan or any information or documentation supplied by the Borrower is incorrect, inaccurate or misleading
    • The Borrower does anything which may prejudice Tanadi’s rights under this Agreement.
    • You use or attempt to use the App or the Services for an unauthorized purpose; or
    • The Borrower is declared bankrupt, insolvent or unable to pay his debts as they fall due under the laws of Nigeria.

    At any time after an Event of Default has occurred which is continuing, Tanadi may, without prejudice to any other right or remedy granted to it under any law;

    1. Terminate this Agreement in accordance with the clause
  10. Exclusion of Liability

    1. Tanadi shall not be responsible for any loss suffered by you should the Services be interfered with or be unavailable by reason of the failure of any of your Equipment, or any other circumstances whatsoever not within Tanadi’s control including , without limitation, Force Majeure or error, interruption, delay or non- availability of the System, terrorist or any enemy action, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system.
    2. You acknowledge that the App has not been developed to meet your individual requirements, and that it is therefore your responsibility to ensure that the facilities and functions of the App as described meet your requirements.
    3. We only provide the Services on the App for domestic, private use, and small and medium business financing needs, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity as a result of your unauthorized use of the App.
    4. Tanadi will not be liable for any losses or damage suffered by you as a result of or in connection with:
      • 4.1 Any defect or fault in the App or any Service resulting from you having altered or modified the App;
      • 4.2 Any defect or fault in the App resulting from you having used the App in breach of the Terms and Conditions of this Agreement;
      • 4.3 Your breach of any of the Prohibited activities;
      • 4.4 Unavailability of sufficient funds in your Value Storage Account;
      • 4.5 Failure, malfunction, interruption or unavailability of the System, your Equipment, the Network or the Electronic Payment System; the money in your Account being subject to legal process or other encumbrance restricting payments or transfers thereof; your failure to give proper or complete instructions for payments or transfers relating to your Account;
      • 4.6 Any fraudulent or illegal use of the Services, the System and/or your Equipment; or
      • 4.7 Your failure to comply with the Terms and Conditions and any document or information provided by Tanadi concerning the use of the System and the Services.
    5. If for any reason other than a reason mentioned in clauses 10.1 - 10.4, the Services are interfered with or unavailable, Tanadi’s sole liability under this Agreement in respect thereof shall be to re-establish the Services as soon as reasonably practicable.
    6. Save as provided in clause 10.5, Tanadi shall not be liable to you for any interference with or unavailability of the Services, howsoever caused.
    7. Under no circumstances shall Tanadi be liable to you for any loss of profit or anticipated savings or for any indirect or consequential loss or damage of whatever kind, howsoever caused, arising out of or in connection with the Services even where the possibility of such loss or damage is notified to Tanadi.
    8. All warranties and obligations implied by law are hereby excluded to the fullest extent permitted by law.
  11. Indemnity

    1. In consideration of Tanadi complying with your instructions or Requests in relation to your Account, you undertake to indemnify Tanadi and hold it harmless against any loss, charge, damage, expense, fee or claim which Tanadi suffers or incurs or sustains thereby and you absolve Tanadi from all liability for loss or damage which you may sustain from Tanadi acting on your instructions or Requests or in accordance with these Terms and Conditions.
    2. The indemnity in clause 1.1 shall also cover the following:
      1. All demands, claims, actions, losses and damages of whatever nature which may be brought against Tanadi or which it may suffer or incur arising from its acting or not acting on any Request or arising from the malfunction or failure or unavailability of any hardware, software, or equipment, the loss or destruction of any data, power failures, corruption of storage media, natural phenomena, riots, acts of vandalism, sabotage, terrorism, any other event beyond Tanadi’s control, interruption or distortion of communication links or arising from reliance on any person or any incorrect, illegible, incomplete or inaccurate information or data contained in any Request received by Tanadi.
      2. Any loss or damage that may arise from your use, misuse, abuse or possession of any third-party software, including without limitation, any operating system, browser software or any other software packages or programs.
      3. Any unauthorized access to your Account or any breach of security or any destruction or accessing of your data or any destruction or theft of or damage to any of your Equipment.
      4. Any loss or damage occasioned by the failure by you to adhere to these Terms and Conditions and/or by supplying of incorrect information or loss or damage occasioned by the failure or unavailability of third party facilities or systems or the inability of a third party to process a transaction or any loss which may be incurred by Tanadi as a consequence of any breach of these Terms and Conditions.
      5. Any damages and costs payable to Tanadi in respect of any claims against Tanadi for recompense for loss where the particular circumstance is within your control.
  12. Disputes with Tanadi

    If a dispute arises between you and Tanadi, our goal is to learn about and address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost-effective means of resolving the dispute quickly. Disputes between you and Tanadi regarding our Services may be reported to Customer Service online via the "Email Us" link on the "Contact Us" page at any time, or by calling the Customer Service telephone number located on the Tanadi website(s) and by logging into your Account.