Terms of Service.

Green Courage Global Ltd (“Green Courage”, “we”, “our”, or “the Company”) provides digital estate planning support services, will documentation assistance, trust coordination, and estate administration guidance.

By accessing our website, mobile application (including the Green Courage mobile App), or any of our services, you agree to the terms of this Disclaimer.

1. No Legal Advice

Green Courage Global Ltd is not a law firm and does not provide legal advice unless explicitly stated through a licensed legal practitioner formally engaged by the client.

All information provided on our website, app, dashboard, brochures, social media pages, or through customer support is for general informational and administrative purposes only.

Clients are advised to consult:

• A licensed legal practitioner
• A qualified financial advisor
• A tax consultant
• Or other appropriate professionals

before making final legal, financial or health-related decisions.

However, Green Courage may prefer to work with professionals in partnership with the company.

2. No Attorney-Client Relationship

Use of our platform does not automatically create an attorney-client relationship between you and Green Courage or any affiliated legal, financial or health practitioner unless a formal engagement letter has been signed.

3. Document Validity Responsibility

Green Courage provides structured templates and digital documentation support. However, the legal validity of any will, trust, or estate document depends on:

• Proper execution
• Witnessing requirements
• Jurisdictional compliance
• Mental capacity of the testator
• Applicable laws in the relevant country or state

Clients are responsible for ensuring that documents are properly executed in accordance with the laws of their jurisdiction.

4. Executor & Trustee Services

Where Green Courage acts as an executor or trustee:

• Services are subject to a signed service agreement.
• Administration timelines may depend on court processes, regulatory approvals, asset verification, and beneficiary cooperation.
• We do not guarantee specific financial outcomes or investment returns.

5. Digital Storage & Security

Green Courage employs reasonable administrative, technical, and organizational safeguards to protect client data. However:

• No online system security is 100%.
• We cannot guarantee absolute protection from cyberattacks, unauthorized access, or system failures.
• Clients are responsible for keeping login credentials confidential.

6. Third-Party Services

Our platform may integrate or link to third-party services including:

• Payment processors
• Cloud storage providers
• Legal partners
• Insurance companies
• Financial institutions
• Health institutions

Green Courage is not responsible for the policies, actions, or service failures of third-party providers.

7. No Guarantee of Probate Outcome

Court decisions regarding probate, letters of administration, or estate disputes are made solely by competent courts. Green Courage does not guarantee:

• Approval timelines
• Dispute-free estate administration
• Court rulings
• Tax outcomes

8. Limitation of Liability

To the fullest extent permitted by law, Green Courage Global Ltd shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or revenue
• Loss of data
• Delays caused by courts or regulatory bodies
• Disputes among beneficiaries

Our total liability, where applicable, shall not exceed the fees paid by the client for the specific service as may be determined by the organisation.

9. Use at Your Own Risk

All services are used at the client’s own discretion and risk.

10. Updates to This Disclaimer

Green Courage reserves the right to update or modify this Disclaimer at any time without prior notice. Updated versions will be published on our website and app and shall be binding on the client.

1.1 Introduction

These Terms of Use (“Terms”) govern your access to and use of the website, digital platforms, mobile applications (including the Green Courage mobile App), and services provided by Green Courage Global Limited (“Company”, “Green Courage”, “we”, “our”, or “us”).

By accessing or using our services, you agree to be legally bound by these Terms. If you do not agree, you must discontinue use immediately.

1.2 Eligibility

You must:

• Be at least 18 years old
• Possess legal capacity to enter into binding agreements
• Provide accurate and truthful information

Green Courage reserves the right to suspend accounts where false or misleading information is detected.

1.3 Scope of Services

Green Courage provides:

• Estate planning documentation support
• Will drafting templates
• Trust coordination services
• Executor and trustee services
• Estate administration support
• Digital storage of estate-related documentation
• Online Pharmacy and Estate marketplace

We are not a law firm unless expressly stated in a separate legal engagement agreement.

1.4 Account Registration

Users must:

• Create secure login credentials
• Maintain confidentiality of account details
• Notify us immediately of unauthorized access

You are responsible for all activities under your account.

1.5 User Responsibilities

You agree not to:

• Submit fraudulent or unlawful information
• Upload illegal or harmful content
• Use the platform for criminal purposes
• Interfere with system security

Violation may result in termination and possible legal action.

1.6 Intellectual Property

All content, branding, logos, materials, templates, and digital infrastructure are the intellectual property of Green Courage Global Ltd and sister companies.

You may not reproduce, distribute, modify, or commercially exploit them without written consent.

1.7 Service Modifications

We reserve the right to, without prior notice where necessary:

• Modify features
• Suspend services
• Update pricing
• Restrict access

1.8 Payment Terms

Where applicable:

• Subscription and maintenance fees must be paid in advance.
• Fees are non-refundable.
• Late payments may result in sanctions such as penalty, suspension, etc.

1.9 Limitation of Liability

Green Courage shall not be liable for:

• Indirect or consequential losses
• Court delays
• Third-party failures
• Estate disputes

Liability shall not exceed the fees paid for the specific service as may be determined by Green Courage.

1.10 Termination

We may terminate or suspend access if:

• You breach these Terms
• Fraud is suspected
• Required by law

1.11 Governing Law

These Terms shall be governed by the laws of the Federal Republic of Nigeria.

1.12 Dispute Resolution

Disputes shall first be resolved amicably. If unresolved, disputes shall be referred to arbitration in Nigeria in accordance with applicable arbitration laws.

1.13 Amendments

We reserve the right to amend these Terms at any time. Continued use constitutes acceptance.

5.1 Introduction

These Digital Will Usage Terms (“Terms”) govern the creation, storage, access, modification, and execution of digital wills created through the Green Courage platform, including the Green Courage mobile App.

By creating or storing a will on our platform, you agree to these Terms.

5.2 Nature of Digital Will Services

Green Courage provides:

• Structured digital will templates
• Guided estate documentation support
• Secure storage of uploaded or generated wills
• Update functionality (“Update will anytime – in sound mind.”)

We do not automatically validate or probate wills.

5.3 Legal Validity

The Client acknowledges that:

• Legal validity of a will depends on compliance with applicable laws.
• Proper witnessing requirements must be satisfied.
• Jurisdictional rules differ across states and countries.
• Electronic signatures may not be legally recognized in all jurisdictions.

Green Courage does not guarantee enforceability without proper execution under applicable law.

5.4 User Responsibility

The Client is solely responsible for:

• Ensuring accurate information
• Proper signing and witnessing
• Safe communication of executor details
• Reviewing the document periodically

Failure to execute the will properly may invalidate it.

5.5 Updates, Modification & Amendments

Clients may update their will at any time, provided they are:

• Of sound mind
• Acting voluntarily

Each update should be re-executed according to legal requirements, and assigned a version number (for example, Version 1, Version 2, Version 3).

5.6 Storage & Access

Green Courage may:

• Store digital copies securely
• Provide controlled access to authorized users
• Release documents to appointed executors upon verified death notification

Access is subject to identity verification and internal compliance procedures.

5.7 Death Verification Procedure

Before releasing any will:

• An official death certificate must be provided or obtained
• Executor identity must be verified by Green Courage Global Ltd
• Internal compliance review must be completed

Green Courage reserves the right to refuse release where fraud is suspected.

5.8 Limitation of Liability

Green Courage shall not be liable for:

• Improper execution by the Client
• Jurisdictional invalidity
• Beneficiary disputes
• Court rejection of digital documents

Liability shall not exceed service fees paid as may be determined by the organisation.

5.9 Suspension or Removal

The company may suspend or delete digital wills where:

• Fraud is detected
• Court orders demand removal
• Terms are violated

5.10 Data Protection

All digital wills are processed under our Privacy Policy and Consent & Data Processing Agreement.

5.11 Governing Law

These Terms shall be governed by the laws of the Federal Republic of Nigeria.

5.12 Acceptance

By creating, uploading, or storing a digital will on our platform, you confirm acceptance of these Terms.

4.1 Parties

This Executor / Trustee Service Agreement (“Agreement”) is entered into between Green Courage Global Ltd (“Executor”, “Trustee”, “Company”) and the Client / Testator / Settlor (“Client”, “Subscriber”).

This Agreement becomes legally binding upon execution by both parties.

4.2 Appointment

The Client hereby appoints Green Courage Global Ltd as:

• Executor of Will
• Trustee
• Estate Administrator
• Digital Asset Custodian

The scope of appointment shall be defined in writing and may be limited to specific estate functions.

4.3 Scope of Duties

Where appointed, Green Courage may:

• Apply for Probate or Letters of Administration
• Identify and secure estate assets
• Notify beneficiaries
• Settle verified debts and liabilities
• Administer trust assets
• Distribute estate assets according to the Will or applicable law
• Manage investments (if expressly authorized)
• Maintain estate records

Green Courage shall act in good faith and in accordance with applicable laws.

4.4 Standard of Care

Green Courage shall:

• Exercise reasonable skill and diligence
• Avoid conflicts of interest
• Maintain neutrality among beneficiaries
• Keep proper records
• Provide periodic reports (where applicable)

Green Courage shall not be liable for losses caused by:

• Market fluctuations
• Beneficiary disputes
• Fraud by third parties
• Court delays

4.5 Fees & Compensation

Executor/Trustee fees shall be:

• A fixed professional fee, OR
• A percentage of estate value, OR
• Time-based professional billing

Fees shall be clearly outlined in Schedule A attached to this Agreement.

Green Courage is entitled to reimbursement of reasonable expenses incurred in estate administration.

4.6 Court & Regulatory Compliance

All actions requiring court approval shall:

• Be subject to probate laws
• Follow applicable judicial timelines
• Be compliant with Nigerian laws or applicable jurisdiction

Green Courage does not guarantee specific court outcomes or timelines.

4.7 Beneficiary Communication

Green Courage shall:

• Communicate material estate matters
• Maintain transparency
• Provide updates upon reasonable request

However, confidential information shall only be disclosed where legally appropriate.

4.8 Limitation of Liability

To the fullest extent permitted by law:

• Green Courage shall not be liable for indirect or consequential losses.
• Total liability shall not exceed fees received for the specific service as may be determined by the organisation.

This limitation does not apply in cases of fraud or wilful misconduct.

4.9 Indemnity

The Client’s estate agrees to indemnify Green Courage against:

• Legal claims arising from beneficiary disputes
• Inaccurate information provided by the Client
• Pre-existing liabilities unknown at time of engagement

4.10 Conflict Resolution

Disputes arising under this Agreement shall first be resolved amicably. If unresolved, disputes shall be referred to arbitration in Nigeria in accordance with applicable arbitration laws.

4.11 Termination

This Agreement may terminate upon:

• Completion of estate administration
• Mutual agreement
• Court removal of Executor/Trustee
• Breach of Agreement

4.12 Governing Law

This Agreement shall be governed by the laws of the Federal Republic of Nigeria.

4.13 Declaration

By signing this Agreement, the Client confirms:

• Appointment is voluntary
• They are of sound mind and legal capacity
• They understand the scope of services

8.1 Purpose

This Mental Capacity Declaration (“Declaration”) is executed in connection with:

• Will creation
• Trust establishment
• Estate planning documentation
• Digital will update
• Executor or trustee appointments
• Pharmaceutical services

Its purpose is to affirm that the Client possesses the required legal and mental capacity to make valid estate and other decisions as required in our services.

8.2 Declaration of Capacity

I, the undersigned Client, hereby declare that:

• I am at least 18 years of age (or the age of legal majority in my jurisdiction).
• I am acting voluntarily and without coercion.
• I am of sound mind and in good health at the time of executing this document.
• I fully understand the nature and consequences of creating or updating my will or trust.
• I understand the extent of my assets and property.
• I understand the identity of my beneficiaries and the effect of my decisions upon them.

8.3 Voluntary Intent

I confirm that:

• No undue influence, duress, or fraud has been applied.
• My decisions are made freely and intentionally.
• I have had opportunity to seek independent legal advice if desired.

8.4 Medical Confirmation

Where required or recommended, I acknowledge that a medical practitioner may be requested to confirm mental capacity, or contacted to confirm a prescription.

Failure to provide such confirmation, where reasonably requested, may affect document validity in court.

8.5 Digital Execution Acknowledgment

Where executed electronically through the Green Courage platform:

• I confirm that electronic acceptance reflects my voluntary and conscious intent.
• I understand that proper witnessing may still be required under applicable law.

8.6 Continuing Updates

For updates made via the Green Courage platform, I confirm that each modification is made:

• In sound mind
• With full awareness of its legal consequences

8.7 Misrepresentation

I understand that providing false declarations regarding mental capacity may:

• Invalidate the will or trust
• Expose my estate to disputes
• Result in legal consequences

8.8 Governing Law

This Declaration shall be governed by the laws of the Federal Republic of Nigeria or applicable jurisdiction.

8.9 Signature Section

7.1 Purpose

This Anti-Money Laundering (AML) and Know Your Customer (KYC) Declaration establishes compliance procedures in accordance with:

• The Money Laundering (Prevention and Prohibition) Act, Nigeria
• Relevant Financial Reporting Council regulations
• Applicable anti-terrorism financing laws
• International AML best practice standards

Green Courage Global Ltd is committed to preventing its services from being used for:

• Money laundering
• Terrorist financing
• Fraud
• Identity theft
• Illicit asset concealment

7.2 Client Identification Requirements

Before providing certain services, Green Courage may require:

• Government-issued identification (National ID, International Passport, Driver’s License)
• Proof of address
• Bank verification details
• Tax identification number (where required)
• Source of funds declaration

Failure to provide requested documentation may result in refusal of service.

7.3 Source of Funds Declaration

Clients must confirm that:

• Assets declared are legally acquired.
• Funds used for payment of services are not proceeds of crime.
• Estate assets are not linked to criminal activities.

False declarations may result in termination of services and reporting to authorities.

7.4 Politically Exposed Persons (PEP)

Clients must disclose if they are:

• Politically Exposed Persons
• Related to or associated with PEPs

Enhanced due diligence may apply in such cases.

7.5 Ongoing Monitoring

Green Courage reserves the right to:

• Conduct periodic reviews
• Verify updated documentation
• Monitor unusual activity
• Request additional clarification where necessary

7.6 Suspicious Activity Reporting

Where suspicious activity is detected, Green Courage may:

• Report to appropriate regulatory authorities
• Suspend or terminate services
• Freeze relevant transactions

Such reporting may occur without prior notice to the Client, where legally required.

7.7 Data Confidentiality

All AML/KYC documentation shall be:

• Treated confidentially
• Stored securely
• Used strictly for compliance purposes

7.8 Client Declaration

By signing or electronically accepting this declaration, the Client confirms:

• Information provided is true and accurate.
• Assets are lawful.
• They consent to identity verification checks.
• They understand regulatory reporting obligations.

7.9 Refusal of Service

Green Courage reserves the right to decline engagement where:

• Identity cannot be verified
• Source of funds is unclear
• Assets cannot be verified or are in dispute
• Legal risk is identified
• Regulatory compliance cannot be satisfied

7.10 Governing Law

This AML/KYC Declaration shall be governed by Nigerian law and applicable financial regulations.

6.1 Governing Law

Unless otherwise expressly agreed in writing, all agreements, services, digital platform usage, executor services, trustee services, and estate planning engagements with Green Courage Global Ltd shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

6.2 Primary Jurisdiction

Any dispute, claim, or controversy arising out of or relating to:

• Website usage
• Digital will services
• Trustee or executor services
• Data processing
• Payment obligations
• Estate administration

shall fall under the jurisdiction of competent courts within Nigeria, unless resolved through arbitration as provided herein.

6.3 International Clients

For clients residing outside Nigeria:

• Services remain governed primarily by Nigerian law unless otherwise agreed.
• Clients acknowledge that estate assets located outside Nigeria may be subject to the laws of the country where such assets are situated.
• Green Courage does not guarantee cross-border enforceability without local legal compliance.

International clients are advised to seek local legal counsel in their country of residence.

6.4 Cross-Border Assets

Where estate assets are located in multiple jurisdictions:

• Probate procedures may need to be conducted in each relevant jurisdiction.
• Local tax and inheritance laws may apply.
• Green Courage may collaborate with foreign legal professionals where necessary.
• Fees for international coordination shall be separately agreed.

6.5 Arbitration Clause

In the event of a dispute:

• Parties shall first attempt amicable settlement within 30 days.
• If unresolved, the dispute shall be referred to arbitration in Nigeria.
• Arbitration shall be conducted in accordance with the Arbitration and Mediation Act of Nigeria.
• The decision of the arbitrator shall be final and binding.
• The language of arbitration shall be English; if otherwise, the language shall be translated into English by a legally registered language translation firm.

6.6 Exclusive Venue

Unless otherwise required by law, legal proceedings shall be instituted exclusively within Nigeria. However, nothing prevents Green Courage from:

• Seeking injunctive relief in other jurisdictions where necessary.
• Enforcing judgments in foreign courts where assets are located.

6.7 Severability

If any portion of this Jurisdiction Clause is found unenforceable in a particular jurisdiction, the remaining provisions shall remain valid.

6.8 Client Acknowledgment

By engaging Green Courage services, the Client confirms understanding that:

• Nigerian law primarily governs service relationships.
• Estate assets may be subject to multiple legal systems.
• Cross-border enforcement may require additional legal processes.

10.1 Objective

This Dispute Resolution & Arbitration Clause establishes the process for resolving disputes arising out of or relating to:

• Website usage
• Digital will services
• Trustee and executor services
• Estate administration
• Data processing
• Payment obligations
• Any contractual engagement with Green Courage Global Ltd

The objective is to resolve disputes efficiently, confidentially, and cost-effectively.

10.2 Good Faith Negotiation

In the event of a dispute, the parties agree to:

• Provide written notice describing the dispute in reasonable detail.
• Attempt amicable resolution within thirty (30) days from notice.
• Engage in good faith discussions before initiating formal proceedings.

10.3 Mediation

If negotiation fails, parties may:

• Refer the dispute to mediation conducted by a mutually agreed neutral mediator in Nigeria.
• Share mediation costs equally unless otherwise agreed.

Mediation proceedings shall remain confidential.

10.4 Binding Arbitration

If mediation fails or is waived, the dispute shall be referred to binding arbitration under the following terms:

• Arbitration shall be conducted in Nigeria.
• Proceedings shall comply with the Arbitration and Mediation Act of Nigeria.
• The arbitration shall be conducted by a single arbitrator unless parties agree otherwise.
• The arbitrator shall be appointed by mutual agreement or through a recognized arbitration body in Nigeria.
• The language of arbitration shall be English.
• The arbitrator’s decision shall be final and binding.

10.5 Confidentiality

All dispute resolution proceedings, including negotiations, mediation, arbitration, and documents submitted, shall remain strictly confidential unless disclosure is required by law.

10.6 Interim Relief

Nothing in this Clause prevents Green Courage from seeking injunctive relief, protective court orders, or asset preservation measures in a competent court where urgent action is required.

10.7 Costs

Unless otherwise determined by the arbitrator:

• Each party shall bear its own legal costs.
• Arbitration administrative costs shall be shared equally.

10.8 Limitation Period

Any claim must be initiated within the legally prescribed limitation period under Nigerian law. Failure to initiate proceedings within such period may result in loss of legal rights.

10.9 Enforcement

The arbitration award may be:

• Enforced in Nigerian courts
• Recognized and enforced internationally where applicable under relevant conventions

10.10 Severability

If any portion of this Clause is found unenforceable, the remaining provisions shall remain valid and enforceable.

9.1 Definition

For purposes of this Clause, “Force Majeure Event” means any event beyond the reasonable control of Green Courage Global Ltd which prevents, delays, or hinders performance of its obligations. Such events include but are not limited to:

• Acts of God
• Natural disasters (floods, earthquakes, storms)
• Fire outbreaks
• Epidemics or pandemics
• War, terrorism, civil unrest
• Government restrictions or regulatory changes
• Court closures or judicial delays
• Power outages
• Cyberattacks or internet service disruption
• Labour strikes
• Telecommunications failure
• Banking system disruptions

9.2 Suspension of Obligations

Where a Force Majeure Event occurs:

• Green Courage shall not be liable for delay or failure in performance.
• Service obligations shall be suspended for the duration of the event.
• Reasonable efforts shall be made to resume services as soon as practicable.

9.3 Notification

Where feasible, Green Courage shall:

• Notify affected clients of the Force Majeure Event.
• Provide updates regarding service restoration timelines.

Failure to notify immediately shall not invalidate protection under this Clause.

9.4 Extended Force Majeure

If a Force Majeure Event continues for an extended period exceeding ninety (90) days:

• Either party may terminate the affected service agreement.
• Fees already earned for services rendered shall remain payable.
• Prepaid services not yet rendered may be reviewed subject to circumstances.

9.5 Estate Administration Delays

Clients acknowledge that probate, court filings, regulatory approvals, and asset transfers may be delayed due to Force Majeure Events affecting:

• Judicial systems
• Government agencies
• Financial institutions

Green Courage shall not be liable for such institutional delays.

9.6 Cybersecurity Incidents

In the event of large-scale cyberattacks, cloud infrastructure outages, or data centre failures, Green Courage shall:

• Activate internal incident response protocols
• Implement backup recovery systems
• Notify clients where legally required

9.7 No Waiver

Temporary suspension due to Force Majeure does not constitute:

• Breach of contract
• Negligence
• Waiver of contractual rights

9.8 Governing Law

This Force Majeure Clause shall be interpreted in accordance with Nigerian law.