This is an agreement between you and Home of Abundance Network Group. This website and its related services are
owned and operated by Home of Abundance Network Group. By signing up to use an account through homeofabundance.biz,
or any associated websites, APIs, or mobile applications (collectively the "Home of Abundance Network Group Site"),
you agree that you have read, understood, and accept all of the terms and conditions contained in this Agreement.
About Home of Abundance Network Group
Home of Abundance Network Group with an acronym H.A.N.G. is a peer-to-peer product market place where
buyers and sellers are connected for business, also a platform where participants are open to various
ways to some other streams of income such as telecommunications, crowdfunding, Project sponsorship, and forex..
Our worldwide user base is able to post offers to either buy or sell products or items via any means they wish.
The creator of the offer is responsible for listing terms of the trade which will be moderated before going
online to the public. Once an offer is selected by another H.A.N.G. user, buyer money is held in our escrow
service from the party that is selling it. The money is released from escrow to the seller by the buyer
once the seller has completed the terms of the trade. The escrow is released back to the buyer if the
seller chooses to cancel the trade or either of the party disagree with trade terms. The buyer may not
cancel the trade at any point after making payment to the escrow. The buyer only has the option to
release the money from escrow to the seller. This is for the security purposes of both the buyer and sellers.
Should a buyer need to cancel the trade due to a either of the party involve not following the terms of the
trade, they must start a dispute and provide a reason for doing so.
1.1. We reserve the right to change these Terms at any time, in our sole discretion.
Any such changes in respect of your use of the Services will take effect when posted on the Website.
If you have supplied us with an email address, we will also notify you by email of changes to these Terms.
1.2. It is your responsibility to read the Terms carefully on each occasion you use the Services.
Your continued use of the Services shall signify your acceptance to be bound by the current Terms.
1.3. Failure or delay by H.A.N.G. in enforcing or partially enforcing any provision of these
Terms shall not be construed as a waiver of any rights.
2.1. All references to the ‘company,’ ‘us,’ ‘our,’ ‘we’ or ‘H.A.N.G.’ ‘homeofabundance.biz’ means Home of Abundance Network Group, a company.
2.2. All references to ‘you,’ ‘your,’ or the ‘user’ mean the person or persons, using the Website and/or using the Services
via the Website or mobile application.
2.3. All references to the ‘Website’ shall include reference to all URL’s operated by H.A.N.G.
2.4. ‘Business Day’ means a day other than a public holiday.
2.5. ‘Bitcoin’ mean, Digital Currency or Blockchain-based currency.
2.6. ‘Services’ means any feature provided by us via the Website or any local application (mobile desktop or otherwise),
including without limitation Wallet services and Marketplace services.
2.7. ‘Communication’ includes communication by email or sms.
- 3.1. You hereby accept and acknowledge that you: (a) Are of legal age to agree to these Terms;
(b) Have not previously been suspended or removed from using our Services.
3.2. If you are using the Services on behalf of a legal entity, you further represent and warrant that:
(i) The legal entity is duly organized and validly existing under the applicable laws of the jurisdiction
of its organization, and (ii) You are duly authorized by such legal entity to act on its behalf.
4. JURISDICTION, TERRITORIAL LIMITATIONS & SEVERABILITY
4.1. These Terms and your use of the Website and Services shall be governed by and construed in accordance with
Nigeria Law. Any dispute arising in connection with these Terms or your use of the Website or Services will be
resolved exclusively in the court. Nothing in these Terms shall be deemed to affect your statutory rights under
4.2. If any part of these Terms is held by any court to be invalid or unenforceable in whole or in part, the validity
or enforceability of the other sections of these terms and conditions shall not be affected. Any headings contained
in these Terms are for informational purposes only and are not enforceable provisions of these Terms.
5.1. We endeavor to take all reasonable steps to protect your personal information. However, we cannot guarantee
the security of any data you disclose online. You accept the inherent security risks of providing information and
dealing online over the Internet and will not hold us responsible for any breach of security unless this is due to
6. ASSUMPTION OF RISK, LIMITATIONS ON LIABILITY & INDEMNITY
6.1. You accept and acknowledge and accept the various risks inherent to doing business online including but
not limited to hardware failure, software issues, internet connection failure, malicious software, third party
interference leading to access to your account/wallet and other user data. You accept and acknowledge that H.A.N.G.
will not be responsible for any communication failures, disruptions, errors, distortions or delays you may experience
when using the Services, however caused.
6.2. You accept and acknowledge that there are risks associated with utilizing any online platform, including,
but not limited to, the risk of unknown vulnerabilities in or unanticipated changes to the network protocol.
You acknowledge and accept that H.A.N.G. has no control over any means of payment network (Paystack, Paypal,
Mobile money transfer etc) and will not be responsible for any harm occurring as a result of such risks.
6.3. We will use reasonable endeavors to verify the accuracy of any information on the Website but we make no
representation or warranty of any kind, express or implied, statutory or otherwise, regarding the contents
of the Website, information and functions made accessible through the Website, any hyperlinks to third party
websites, or the security associated with the transmission of information through the Website or any website
linked to by the Website.
6.4. We will not be responsible or liable to you for any loss and take no responsibility for and will not be liable
to you for any use of our Services, including but not limited to any losses, damages or claims arising from:
(a) User error such as forgotten passwords, incorrectly constructed transactions, or mistyped payment information such
as bank account detail etc;
(b) Server failure or data loss;
(c) Unauthorized access to applications;
(d) Any unauthorized third party activities, including without limitation the use of viruses, phishing, brute forcing
or other means of attack against the Website or Services;
6.5. We make no warranty that the Website or the server that makes it available, are free of viruses or errors,
that its content is accurate, that it will be uninterrupted, or that defects will be corrected. We will not be
responsible or liable to you for any loss of any kind, from action taken, or taken in reliance on material, or
information, contained on the Website.
6.6. Subject to 7.1 below, any and all indemnities, warranties, terms and conditions (whether express or implied)
are hereby excluded to the fullest extent permitted under Nigeria law.
6.7. We will not be liable, in contract, or tort (including, without limitation, negligence), other than where
we have been fraudulent or made negligent misrepresentations.
6.8. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraudulent
misrepresentation, or any other liability which may not otherwise be limited or excluded under United States law.
7. AGREEMENT TO HOLD H.A.N.G. HARMLESS
7.1. You agree to hold harmless H.A.N.G. (and each of our officers, directors, members, employees,
agents and affiliates) from any claim, demand, action, damage, loss, cost or expense, including
without limitation reasonable legal fees, arising out or relating to:
7.1.1. Your use of, or conduct in connection with, our Services;
7.1.2. Any feedback or submissions you provide (see 19 below);
7.1.3. Your violation of these Terms; or
7.1.4. Violation of any rights of any other person or entity.
7.2. If you are obligated to indemnify us, we will have the right, in our sole discretion, to control any action or
proceeding (at our expense) and determine whether we wish to settle it.
8. NO LIABILITY FOR THIRD PARTY SERVICES AND CONTENT
8.1. In using our Services, you may view content or utilize services provided by third parties,
including links to web pages and services of such parties (“Third Party Content”). We do not control,
endorse or adopt any Third-Party Content and will have no responsibility for Third Party Content including,
without limitation, material that may be misleading, incomplete, erroneous, offensive, indecent or otherwise
objectionable in your jurisdiction. In addition, your dealings or correspondence with such third parties are solely
between you and the third parties. We are not responsible or liable for any loss or damage of any sort incurred as
a result of any such dealings and you understand that your use of Third Party Content, and your interactions with
third parties, is at your own risk.
9.1. The Administrator reserves a right to delete or block access to information posted by User without notice
in the event of:
9.1.1 Receiving of mandatory judgments of competent public authorities;
9.1.2 Claim of a holder of intellectual property rights to terminate infringement of his/her rights
by a user on the Resource; other infringements of rights or legal interests of other Resource Users,
of legal entities or individuals upon their reasonable appeal;
9.1.3 Detecting information, which posting to the Resource is prohibited under these Rules.
9.2. The Administrator shall be entitled to block access to information posted by users to the Resource at its
sole discretion having provided a user with relevant substantiation.
10. H.A.N.G. SERVICES
10.1. As described in more detail below, the Services, among other things, provide in-browser software that (a)
pairs members for donation on our crowdfunding system. (b) activates qualified members into our forex class (c)
gives full record of members monthly donation for sponsoring future projects.
10.2. H.AN.G. does not keep product for any seller. Products and items are always kept on by respective owners.
All money transactions occur within the payment gateway network, not on H.A.N.G. There are no guarantees that
the transaction will process on the payment gateway.
10.3. Marketplace. H.A.N.G. acts as an escrow service between two parties, we have no affiliation with any of
our users available payment methods including but not limited to Paypal, Western Union, Visa, Mastercard,
Skrill. H.A.N.G. also has no affiliation with any of the buyers or sellers on its platform. Transactions
happen peer to peer between the buyers and sellers. Users agree upon which payment methods they wish to
transact with and take all responsibility of making sure they are acting in a lawful manner.
10.3.1. H.A.N.G. acts as an escrow service between two parties. The funds are kept safe until product/item
has been confirmed received and valid. H.A.N.G. does not act as a payment processor. All liability for
sending and receiving and checking the validity of the products/items lie between the buyer and seller
except otherwise. Once payment has been confirmed by the buyer, seller is notified to send products/items,
when products/items is received by the buyer and we are notified, then the money/funds will be released
from escrow to the seller. In case of an issue during a trade that cannot be settled, either party can
dispute the trade. This will be investigated by the H.A.N.G. moderators and decision will be made according
to evidence provided by both the parties. H.A.N.G. moderators resolve disputes by evaluating trade terms,
offer instructions, evidence of payment, trade chat interaction, user reputation, past trading history as
10.3.2. Buying Products
To purchase products on our peer to peer platform:
• 1. Select Interested Product
• 2. Chat the seller to make further enquiry about the product
o 2.1. It is your responsibility as buyer to understand the seller terms and conditions and
follow them exactly. If you do not follow the offer terms and conditions you might not win the
dispute if you call for it. Never make payment unless you have followed all terms and conditions
listed on the product and of the seller. If you make payment without following the terms and
conditions H.A.N.G cannot refund you.
• 3. Complete Payment
o 3.1. Make payment through the payment processor provided you by the escrow
o 3.2. Submit payment according to the terms and conditions of the of the product.
o 3.3. Once you complete the payment, Click Confirm Payment
o 3.4. At this time the seller will validate the payment through the notification he/she
received from us (H.A.N.G.), then release the products/items to you through the means the both
of you negotiated on how to receive the product, completing the trade.
o 3.5. If the product does not get to you at the exact day as promised by the seller,
report the issue on the trade page. A moderator will settle the dispute.
o 3.6. Do not cancel the trade if you have submitted the payment and confirmed the payment.
10.3.3. Selling Product
To sell product on our peer to peer platform:
• 1. Go to market and Create an offer to sell
o 1.1. Wait for approval of your ads by our moderating team.
o 1.2. All taxes to be paid are your responsibility.
o 1.3. H.A.N.G. charges vendors processing fee for all escrow based trades.
o 1.4. H.A.N.G. will not reimburse any losses to the seller due to fraud and our processing fee
will not be refunded.
o 1.5. No trades outside of escrow are allowed. No exchange of outside contact information is allowed.
o 1.6. You must be instantly responsive to your customers or else deactivate your offers.
o 1.7. You must use the Report scam on completed trade page to report any scams. Do not contact support
with requests to cancel trades, simply file a dispute and wait for a moderator.
o 1.8. Any advertisement of your own website placed in any section of H.A.N.G. such as your bio,
offer terms or trade chat where buying or selling products/items is conducted without H.A,N,G.
escrow is strictly prohibited. If you are a registered company, advertising your company name is allowed.
o 1.9. Having multiple accounts promoting same products/items is highly prohibited.
• 2. Accept payment
o 2.1. When a H.A.N.G. user selects your offer (product).
o 2.2. Once payment is made to the escrow service and you have received a payment notification from H.A.N.G.,
release the product/item to the buyer.
• 3. Compliance
o 3.1. You are wholly responsible to comply with all laws and regulations for the jurisdiction(s) in which
your exchange takes place.
10.4. Relationship. Nothing in these Terms is intended to nor shall create any partnership, joint venture,
agency, consultancy or trusteeship, you and H.A.N.G. being with respect to one another independent contractors.
10.5. Accuracy of Information. You represent and warrant that any information you provide via the Services
is accurate and complete. You accept and acknowledge that H.A.N.G. is not responsible for any errors or
omissions that you make in connection with any products/items initiated via the Services, for instance,
if you as a seller mistype your bank detail or otherwise provide incorrect information on how to pay you;
and as for buyer you submitted a wrong details of where you will pick up your product. We strongly encourage
you to review your transaction details carefully before completing them via the Services.
10.6. No Cancellations or Modifications. Once product has been sent and have been received via the Services or any
other third party service, the Services cannot assist you to cancel or otherwise modify your transaction details.
H.A.N.G. has no control over any third party service and does not have the ability to facilitate any cancellation
or modification requests.
10.7. Taxes. It is your responsibility to determine what, if any, taxes apply to the transactions for which you
have submitted transaction details via the Services, and it is your responsibility to report and remit the
correct tax to the appropriate tax authority. You agree that H.A.N.G. is not responsible for determining
whether taxes apply to your product transactions or for collecting, reporting, withholding or remitting
any taxes arising from any product transactions.
11. FEES FOR USING H.A.N.G. SERVICES
11.1. Creating an account for a buyer is free but selling and/or buying in order to earn additional bonus
from this system cost ₦2,000. H.A.N.G. charges fees for Services, applicable fees will be displayed prior
to you using any Service to which a fee applies.
12. LOGISTIC FEES
12.1. Waybill and pick-up fee is optional and it is a third party service. If you are interested in this
service you can opt for it. Buyers are responsible for the waybill charge and sellers are responsible for
the pick-up charge.
13. DEFAULT LOGISTIC FEE
13.1. You accept and acknowledge that H.A.N.G. does not receive any logistic Fees in connection with providing
the Services, and is not responsible for the speed at which your transactions may be verified.
14. NO RIGHT TO CANCEL SERVICES OR LOGISTIC FEES
14.1. If you use a Service to which a charge applies, or you initiate a transaction with a logistic company via the
Services, you will not be able to change your mind once you have confirmed that you wish to proceed with the Service
15. DISCONTINUANCE OF SERVICES
15.1. We may, in our sole discretion and without cost to you, with or without prior notice and at any time,
modify or discontinue, temporarily or permanently, any portion of our Services.
16. SUSPENSION OR TERMINATION OF SERVICES
16.1. We may suspend or terminate your access to the Services in our sole discretion, immediately and without prior
notice, and deactivate your Wallet without cost to you, including, for instance, in the event that you breach any
term of these Terms. In the event of termination, your access to funds will depend on the reason for termination.
We hold the right to retain your funds if we have evidence of malicious behavior or failure to comply with the User
17. ACCEPTABLE USE
17.1. When accessing or using the Services, you agree that you will not commit any unlawful act,
and that you are solely responsible for your conduct while using our Services. Without limiting
the generality of the foregoing, you agree that you will not:
- 17.1.1. Use our Services in any manner that could interfere with, disrupt, negatively affect or inhibit
other users from fully enjoying our Services, or that could damage, disable, overburden or impair
the functioning of our Services in any manner;
- 17.1.2. Use our Services to pay for, support or otherwise engage in any illegal activities, including,
but not limited to illegal gambling, fraud, money laundering, or terrorist activities;
- 17.1.3. Use any robot, spider, crawler, scraper or other automated means or interface not provided
by us to access our Services or to extract data;
- 17.1.4. Use or attempt to use another user’s Wallet without authorization;
- 17.1.5. Attempt to circumvent any content filtering techniques we employ, or attempt to access
any service or area of our Services that you are not authorized to access;
- 17.1.6. Introduce to the Services any virus, Trojan, worms, logic bombs or other harmful material;
- 17.1.7. Develop any third-party applications that interact with our Services without our prior
- 17.1.8. Provide false, inaccurate, or misleading information; or
- 17.1.9. Encourage or induce any third party to engage in any of the activities prohibited under
18. INTELLECTUAL PROPERTY RIGHTS
18.1. Unless otherwise indicated by us, all intellectual property rights in the Website and in any content provided
in connection with our Services, are the property of H.A.N.G. or our licensors or suppliers and are protected
by applicable intellectual property laws. We do not give any implied license for the use of the contents of the
18.2. You accept and acknowledge that the material and content contained within the Website is made available
for your personal, lawful, non-commercial use only and that you may only use such material and content for
the purpose of using the Website. You further acknowledge that any other use of content from the Website is
strictly prohibited and you agree not to infringe or enable others to infringe our intellectual property
18.3. You agree to retain all copyright and other proprietary notices contained in the material and content
within the Website on any copy you make of the material, but failing to do so shall not prejudice H.A.N.G.’s
intellectual property rights therein.
18.4. You may not sell or modify the Website materials or reproduce, display, publicly perform, distribute
or otherwise use the materials in any way for any public or commercial purpose. Your use of the materials
on any other website or on a file-sharing or similar service for any purpose is prohibited.
18.5. You may not copy any material or content contained on the Website or accessible through the Website
without our written permission. Any rights not expressly granted herein to use the materials contained on
the Website are reserved by H.A.N.G. in full.
19. FEEDBACK AND USER SUBMISSIONS
19.1. H.A.N.G. is always improving its services and the Website. If you have ideas or suggestions regarding
improvements or additions to H.A.N.G.’s Services or the Website, H.A.N.G. would like to hear them; however,
any submission will be subject to these Terms.
19.2. Under no circumstances will any disclosure of any idea or feedback, or any related material to H.A.N.G.
or any of its subsidiaries, parents or affiliated companies, or any of their officers, directors, managers, members,
shareholders, employees and agents, or any of their heirs, successors, representatives and assigns (each a ‘H.A.N.G. Party’
and collectively, the ‘H.A.N.G. Parties’) be subject to any obligation of confidentiality or expectation of compensation.
19.3. By submitting an idea or feedback or any related material that would be subject to intellectual property
rights (the “Work”) to H.A.N.G. or any H.A.N.G. Party, you grant to H.AN.G. in respect of the Work submitted,
a non-exclusive, perpetual, worldwide royalty free license to use all of the content of such ideas and feedback,
for any purpose whatsoever. Further, you are waiving any moral rights to the fullest extent permitted under Nigeria
Law that you may have in the Work and are representing and warranting to such H.A.N.G. Party that the Work are wholly
original with you, that no one else has any rights in the Work and that all H.A.N.G. Parties are free of any royalty
to implement the Work and to use the related material if so desired, as provided or as modified by any H.A.N.G. Party,
without obtaining permission or license from any third party.
19.4. You further accept that H.A.N.G. may sub-license any of the H.A.N.G. Parties to use in any way any Work and
material you have submitted.
19.5. We have the right to remove any posting you may make to the Website, in our absolute discretion, without
warning or reasons.
20. HOW TO CONTACT US
20.1. H.A.N.G. offers 24/7 support through live chat on homeofabundance.biz.
You may also email email@example.com.
21. FORCE MAJEURE
21.1. If by reason of any Force Majeure Event, either you or H.A.N.G. is delayed or prevented from
complying with any of these Terms, then such delay or non-compliance shall not be deemed to be a breach
of these Terms and no loss or damage shall be claimed by you or H.A.N.G. by reason thereof.
22. NATURE OF AGREEMENT
22.1. These Terms constitute the entire agreement between you and H.A.N.G. with respect to the subject matter
of these Terms and these Terms cancel and supersede any prior understandings and agreements between you and
H.A.N.G. as to that subject matter. You may not assign any of your rights or obligations under these Terms
without our prior written consent.