Terms & Conditions

• Member — an individual with a personal ETILIFE account.
• Hospital Partner — a healthcare facility with an approved ETILIFE Provider Portal account.
• HMO Partner — a Health Maintenance Organisation with an approved ETILIFE HMO Dashboard account.
• Points — the loyalty units awarded by ETILIFE. Points are not money, are not redeemable for cash, are not a security or financial instrument, and are not transferable to any non-ETILIFE program.
• Redemption Authorization Code (RAC) — a six-character single-use code issued to a Member so a Hospital Partner can apply Points to a service invoice.
• Direct Redemption — a Member-initiated pre-authorization of Points to a Hospital Partner made before check-in.
• PSP — a Central Bank of Nigeria–licensed payment service provider used by ETILIFE for split settlement (e.g. Flutterwave, Paystack).

To use the Service you must be at least eighteen (18) years old, resident in a country where the Service is available, and legally capable of entering into a binding contract. Hospital Partners and HMO Partners must additionally be duly licensed by NHIA, NAICOM or the relevant regulator.

• You are responsible for keeping your login credentials confidential.
• You must provide accurate information during signup and keep it up-to-date. Impersonation or false information is a ground for immediate termination.
• You must complete KYC verification (BVN / NIN / passport / voter's card / driver's licence) before you can (a) add a payment card, (b) request a Redemption Authorization Code, (c) perform a Direct Redemption or (d) connect certain smart devices.
• You may hold only one Member account. Creating multiple accounts to abuse referral or streak bonuses will result in points forfeiture and account closure.
• You may delete your account at any time from Profile → Delete account. Deletion is permanent and forfeits any unspent Points.

• ETILIFE awards Points for actions such as sign-up, referrals, verified card spend, daily-steps goals, wellness streaks and weekend multipliers. Award amounts and rules may change at our discretion.
• Points have no monetary value until redeemed at a Hospital Partner. The default redemption rate is one (1) point = two Nigerian Naira (₦2) but ETILIFE may adjust this rate on notice.
• Points are personal to you and may only be transferred through approved features (peer-to-peer transfer, diaspora share, dependant coverage).
• Points may expire after a period of continued inactivity (currently 24 months). We will notify you in-app before expiry.
• ETILIFE may reverse or refund Points that were awarded in error, in violation of these Terms, or as a result of fraudulent activity.

• RAC flow. You generate a code in-app, present it at a Hospital Partner, and the hospital applies your Points against the service invoice. Codes are single-use and expire fifteen (15) minutes after generation.
• Direct Redemption. You send Points to a Hospital Partner before arriving. The Hospital Partner has thirty (30) days to Approve (confirm you were seen) or Reject (patient no-show, wrong hospital). Rejection results in a full Points refund to your account. Unresolved direct redemptions after thirty (30) days will auto-refund.
• Once approved, a redemption cannot be cancelled by the Member. Disputes must be raised at support@etilifecare.com within fourteen (14) days.
• Points cannot be redeemed for cosmetic procedures, controlled substances, or services that are illegal under Nigerian law.

• All settlement flows use a licensed PSP under a "Managed Disbursement" model. ETILIFE never custodies member funds; the PSP splits the invoice to the Hospital Partner's sub-account.
• Card details you save are tokenised by the PSP. ETILIFE only sees the network, issuing bank and last four digits.
• Hospital Partners are responsible for keeping their payout bank account details accurate and up-to-date. ETILIFE is not liable for failed settlements caused by outdated bank information.
• Currency: all amounts are denominated in Nigerian Naira (₦) unless expressly stated otherwise.

ETILIFE is a health-insurance rewards platform. ETILIFE is not itself a licensed Health Maintenance Organisation, insurer, hospital, pharmacy or medical practitioner. The Service supplements — it does not replace — the coverage of your registered HMO. Nothing on the Service constitutes medical, legal, tax or financial advice. Always seek qualified medical advice for personal health concerns.

Where you connect a wearable, health app or Bluetooth device to ETILIFE, you consent to us reading step counts, workout summaries and any vitals you elect to share. You may disconnect at any time. Some features (for example daily-steps rewards) require an active device connection. Vital-sign anomaly detection is a wellness nudge, not a diagnosis.

Additionally, Hospital and HMO Partners agree that they will:

• Honour every valid Redemption Authorization Code presented by a verified Member.
• Approve or reject Direct Redemptions within thirty (30) days and only reject when the Member did not arrive or the redemption was made in error.
• Not surcharge Members for accepting Points, and not deny in-network coverage on the basis of ETILIFE usage.
• Only use member data disclosed via the dashboards to render the requested medical service and to fulfil regulatory obligations.
• Provide a valid payout bank account, and maintain licensure in good standing.

You agree not to:

• Use the Service for any unlawful purpose, or to solicit unlawful activity.
• Reverse engineer, decompile, or attempt to extract source code from the Service.
• Interfere with, disrupt or overload our infrastructure (rate limits, scraping, denial-of-service).
• Impersonate any person, or misrepresent your affiliation with a hospital, HMO or ETILIFE.
• Attempt to defraud the Points program (fake referrals, forged codes, colluding with a partner).
• Upload any content that infringes intellectual property or is defamatory, harassing or obscene.

We may suspend or terminate your account (in whole or in part) if we reasonably believe you have breached these Terms, if we are compelled to do so by law, if fraudulent activity is detected, or if the Service is discontinued. Suspended accounts forfeit access to Points until the review is complete. We will use commercially reasonable efforts to notify you of any suspension.

All content, trademarks, logos, source code, and design elements of the Service are owned by ETILIFE or its licensors and are protected by Nigerian and international intellectual-property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the Service for its intended purpose. No rights are granted beyond those expressly set out here.

The Service integrates with third-party services (payment providers, KYC providers, HealthKit, Google Fit, wearables, email providers). Your use of those services is governed by their respective terms and privacy policies. ETILIFE is not responsible for third-party outages or errors, but we will use commercially reasonable efforts to restore integrations that fail.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR THAT ALL DEFECTS WILL BE CORRECTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ETILIFE, ITS DIRECTORS, EMPLOYEES AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, POINTS, GOODWILL OR DATA, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE GREATER OF (A) ₦50,000 OR (B) THE FEES YOU PAID TO US IN THE TWELVE (12) MONTHS BEFORE THE CLAIM.

You agree to indemnify and hold harmless ETILIFE, its officers, directors, employees and agents from any claim, demand, loss, liability or expense (including reasonable legal fees) arising from your breach of these Terms, your violation of any law, or your infringement of a third-party right.

We may modify or discontinue any part of the Service at any time. We may also update these Terms; when we do we will post the revised Terms and update the "Effective date". Material changes will be notified by email and in-app. Continued use of the Service after the effective date constitutes acceptance of the revised Terms.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved amicably within thirty (30) days. Failing that, disputes shall be referred to binding arbitration in Lagos, Nigeria under the rules of the Lagos Court of Arbitration by a sole arbitrator. Nothing in this clause prevents either party from seeking urgent injunctive relief from a court of competent jurisdiction.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force. Our failure to enforce any right or provision is not a waiver of that right. These Terms, together with the Privacy Policy and any additional terms accepted at signup, constitute the entire agreement between you and ETILIFE regarding the Service.

Questions about these Terms? Email us at legal@etilifecare.com for legal matters or support@etilifecare.com for account and product support.