Terms & Conditions

1. What UniPred is

UniPred is a prediction platform where members back YES or NO on the outcome of events, mostly about university life in Nigeria. Bets are settled through pool betting: stakes go into a pot for each side and winners share the losing side's pot, as described in the House Rules. UniPred is not a party to any bet and does not bet against members.

While UniPred runs in test mode, payments use test cards and no real money moves. Before real-money operation, UniPred will obtain the approvals required by Nigerian law and these Terms will be updated.

2. Who can use UniPred

• You must be at least 18 years old and legally able to enter this agreement.
• You must live in Nigeria and use UniPred only where taking part is lawful for you.
• One person, one account. You may hold only one UniPred account, in your own name.
• The full name you give at sign-up must be your real name, exactly as it appears on your bank account. It can't be changed afterwards.

3. Your account

Keep your login details private. You are responsible for everything done through your account. Tell us immediately at prosperlinho@gmail.com if you think someone else has accessed it.

4. Wallet, deposits and withdrawals

• Deposits are processed by Paystack. Fund your wallet only from payment methods in your own name.
• Withdrawals are paid only to a Nigerian bank account whose name matches your UniPred full name. Each bank account can be linked to one UniPred account only.
• Withdrawals are reviewed before they are sent. We may ask for identity documents (for example a valid ID, BVN or NIN details) before paying out, and may delay a withdrawal while a check is completed.
• Minimum amounts for bets, deposits and withdrawals are shown in the app and may change.
• Your wallet balance is not a bank deposit and earns no interest.

5. Bets, results and fees

• A bet is final once confirmed. It can't be cancelled, changed or cashed out early.
• Payout figures shown before you bet are estimates; the final amount depends on all bets placed before closing.
• Results are decided by UniPred admins using the official source named on each market. Our decision is final, except where we made a clear error, which we will correct.
• UniPred's fee is 10% of the winnings paid from the losing pot. Fees may change for future markets.
• Markets may be cancelled with all stakes refunded in the situations described in the House Rules.

6. Proposing markets

You may propose markets. Proposals must be about real, verifiable events, must name an official source, and must not target private individuals, encourage harm, invade anyone's privacy or concern something a member can secretly control. We may edit, decline or cancel any market.

7. Invite programme

Members may share an invite link. When someone who joined through your link bets, you earn 20% of UniPred's fee on the share of the pot their bets made up, paid when the market resolves. Invite bonuses come only out of UniPred's fee. Inviting yourself or fake accounts is fraud: bonuses earned that way are reversed and the accounts involved may be suspended. We may change or end the programme with notice in the app.

8. Things you must not do

• Create or control more than one account, or use another person's identity, bank account or card.
• Bet on markets whose outcome you can influence or already know from inside information.
• Work with others to manipulate outcomes or the platform.
• Use bots, scripts or exploits, or try to access accounts or data that aren't yours.
• Post abusive, hateful, defamatory or illegal content in comments or market proposals.
• Use UniPred to launder money or for any other unlawful purpose.

9. Suspension and closure

We may suspend or close an account that breaks these Terms or the House Rules, including trying to withdraw to a bank account in another name or linking one bank account to several UniPred accounts. While an account is suspended, betting, proposals and withdrawals are disabled.

Where we find fraud, multiple accounts or other serious abuse, we may withhold the balance of the accounts involved while we investigate, void bets and bonuses obtained through the abuse, and report the matter to the relevant authorities, to the extent allowed by Nigerian law. Balances that are not connected to the abuse will be returned to a verified bank account in your name when the review ends.

10. Play responsibly

Only stake money you can afford to lose. Never borrow, or use school fees or money meant for essentials, to bet. If betting stops being fun, take a break and talk to someone you trust. You can ask us at prosperlinho@gmail.com to close your account.

11. Liability

UniPred is provided “as is”. We work hard to keep it accurate and available but can't promise it will always be uninterrupted or error-free. To the extent allowed by law, we are not liable for indirect or consequential losses, and our total liability to you is limited to the balance of your wallet. Nothing in these Terms limits rights you have under Nigerian consumer protection law that can't be limited.

12. Changes, law and contact

We may update these Terms. If a change matters, you'll be asked to accept the new version before you continue. These Terms are governed by the laws of the Federal Republic of Nigeria, and disputes will be handled by Nigerian courts. Complaints about a result must be raised within 7 days of the market resolving. Contact us at prosperlinho@gmail.com.