COPYRIGHT INFRINGEMENT POLICY Chukolo respects the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide Chukolo's Copyright Agent with the information specified below in the form of a "Notification of Alleged Infringement." It is Chukolo's policy to respond to clear Notifications of Alleged Infringement, and our policy is designed to make submitting Notifications of Alleged Infringement as straightforward as possible while reducing the number of Notifications that we receive that are fraudulent or difficult to understand or verify. If you are a User (as defined in the User Agreement at https://www.Chukolo.com/about/terms) or subscriber and concerned about the removal of or blocked access to your content, please provide Chukolo's Copyright Agent with the written information specified below in the form of a "Counter- Notification." NOTIFICATION OF ALLEGED COPYRIGHT INFRINGEMENT If you would like to submit a claim of copyright infringement for material, please substantiate each claim by sending Chukolo's registered Copyright Agent a Notification of Claimed Infringement at the email or mailing address below: Copyright Agent c/o Chukolo, Greenland Estate Lekki Ajah Lagos Nigeria copyright@Chukolo.com To be considered effective, a Notification of Alleged Infringement must be submitted in writing and include the following information: 1. Physical or electronic signature of the owner, or a person authorized to act on behalf of the owner, of an exclusive copyright that has allegedly been infringed 2. Identification of the copyrighted material claimed to have been infringed 3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity that is to be removed or access to which is to be disabled 4. Information reasonably sufficient to permit Chukolo to locate the material that is claimed to be infringing or to be the subject of infringing activity 5. Information reasonably sufficient to permit Chukolo to contact person submitting the Notification, such as a physical address, email address, and telephone number 6. A statement that the person submitting the Notification has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law 7. A statement that the information in the Notification is accurate, and under penalty of perjury, that the person submitting the Notification is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed
Know Your Customer and Identity Verification Policy What is the Know Your Customer (KYC) program? Chukolo’s KYC program ensures a trusted marketplace for all users by confirming customer identity through documentation collection. This helps to prevent fraud, money laundering, and the financing of terrorism. We believe that KYC is a requirement that ensures a safer and secure online workplace for all Chukolo members. In addition, several of our service providers, such as our payment gateway providers require us to perform certain checks on customer identity. How do I complete KYC to verify my identity? You can become Chukolo Verified by submitting a valid government-issued ID card, keycode verification and 2 recent utility bills or bank statements or 1 of each. To learn more about the identity verification process #link To verify your identity now #link What if the details on my account do not match the name on my ID or documentation? The details registered on your Chukolo account must match the name on your documentation. You will be asked to confirm your details during the verification process before submitting them for review. What happens if I'm not able to pass KYC? If you are unable to become Chukolo Verified, Chukolo may place an account limitation or suspend your account as a security measure. Falsifying your identity is a crime. Chukolo may report users that provide false documentation. ID Verification Sellers are encouraged to verify their identity to market themselves to potential Buyers as trusted members of our Chukolo community. Users that verify their identity also benefit by receiving faster processing of their payments and faster resolution of account issues and disputes. Verification may be completed by users at any time, but Chukolo may also request users verify their identity to uphold our User Agreement. To become Chukolo Verified we require you provide: • Proof of identity by submitting a Government-issued photo ID. • Keycode Verification by submitting a photo of you holding a unique code (that you will be provided) and your ID side-by-side. • Proof of address by submitting two different copies of a recent utility bill, such as an electric, gas, water or phone bill, or a recent bank statement. To verify your identity, complete the following steps: Step 1 - Proof of identity • Confirm your account details are up to date (Go to Profile > Settings > Account Details). • Click the Verify my me link from your Account Details page. • Confirm your name and date of birth and upload a color scan of your current governmentissued photo ID as Proof of identity (see accepted IDs below). • Enter the ID type, the name on the ID, ID number and expiration date and press Save and Continue. Step 2 - Keycode Verification • You will be provided with a unique keycode that you will need to write on a piece of paper or you may print it. • If you are writing the code, ensure you write "Keycode Verification for Chukolo.com:" then the unique code. • Take a photo of you holding the unique keycode and your ID side-by-side as shown in the example. • Ensure that you include your face and that your keycode and ID are clearly visible. • Upload the photo then press Save and Continue. Step 3 - Proof of address • Confirm your address and enter your preferred contact phone number. If you haven't already set up a Security Phone Number, you will be sent a unique code to verify this number. • Upload a colour scan of two different utility bills or bank statements as proof of residential Address (see accepted documentation below). • Fill in the institutions name, documentation type, and the date it was issued. • Press the Complete. Submit for Review button to have our Verification team review your request. The Chukolo Verification Team will review your request. This can take up to 2-3 business days and you will be notified when the review process is complete. Proof of identity requirements: We require a colour scanned image or digital photo of acceptable government-issued photo identification. Acceptable forms of Identification: • Passport • Driver's License • National ID card Additional requirements: • High quality colour scan image or digital photo. • Image dimensions must be 500 x 300 pixels minimum. • Must be currently valid (not expired). • Must include photo, signature, name and date of birth. • Must not be hand written. • Do not crop, adjust colours, or alter the image in any way. • Name on ID must match the name entered in the Verification Centre. • ID number must match the ID number entered in the Verification Centre. If you have any questions or concerns with these requirements you can contact our customer support team at support@Chukolo.com
Milestone Dispute Resolution Policy This Policy sets out the dispute process to be followed when a Buyer and Seller who have used the Milestone Payment system elect to use to the Milestone Dispute Resolution process to resolve a dispute between them. The Milestone Dispute Team Both parties of the Dispute case can elect to have their dispute arbitrated by the Dispute Team. The role of the Dispute Team extends to making all actions necessary to resolve the case in an impartial and evidential manner. You acknowledge that the verdict of the Dispute Team is final, binding, and irreversible. User Responsiveness Buyers Once a dispute is opened, a Buyer is given 14 days to respond to it. Otherwise, they will automatically lose the dispute and the pending Milestone will be transferred to the Seller's account. Sellers Once a dispute is opened, a Seller is given 4 days to respond to it. Otherwise, they will automatically lose the dispute and the pending Milestone will be returned to the Buyer's account. Milestone Dispute Resolution Process • STAGE 1 - Identifying the issue The complainant should select the Project and the Milestone payment or payments to be disputed. A User could contest all the Milestones related to a single project in one dispute. After which, a description of the issue and an explanation of why the dispute is being opened should be given. From this stage until Stage 3, users are encouraged to attach any files that could support their claims. Finally, the complainant is requested to enter the amount he or she is prepared to pay for the Project (if a Buyer) or wish to get paid for the Project (if a Seller). The amount could be between 0 and the total amount of the Milestone Payment(s) in question. • STAGE 2 - Negotiations At this stage, either party can negotiate for partial compensation, or (after a period of time) choose to have Chukolo's Dispute Team arbitrate the dispute. Both parties will have the opportunity to tell their side of the story and also negotiate terms to resolve the issue between themselves. Only the party who originally filed for the dispute can cancel the dispute. If the issue cannot be resolved through negotiation, either party can choose to pay the Arbitration Fee to have the dispute arbitrated by the Dispute Team. The Arbitration Fee will be refunded if the dispute is either settled through mutual agreement or cancelled before reaching arbitration. • STAGE 3 - Final Offers and Evidence After one of the involved parties has paid the Arbitration Fee, the other party has 4 days to also pay the fee. Either party still has the option in this period to negotiate with the other party. If the responding party does not pay the arbitration fee within the 4 days, the result will be in favour of the party who escalated the dispute into arbitration first. If a solution is found before the responding party pays the fee, the party who paid the Arbitration Fee will be refunded this fee. Stage 3 is the last stage where both Users can submit their final evidence to support their case. After Stage 3, the involved parties are no longer allowed to submit evidence. The dispute will be resolved based upon the evidence provided through the Dispute System, or that is otherwise available to the Dispute Team, such as the project description and correspondence between the parties. Once the dispute has proceeded to Stage 4, further evidence will no longer be accepted. • STAGE 4 - Arbitration At Stage 4, the Dispute Team will review all evidence and other information provided to reach a decision (usually within 48 hours). Dispute verdicts are final, binding, and irreversible. The party who wins the dispute will be refunded their Arbitration Fee. In the event that one of the parties of the Dispute has paid the Arbitration Fee, the other party will be given 4 days to pay the Arbitration Fee to move into Arbitration, and failure to do such will close the dispute by default, in favor of the party who initiated stage 4, with the arbitration fee initially paid refunded. Evidential Requirements for Your Dispute Should you elect to have the Dispute Team arbitrate your dispute, you agree to allow the Dispute Team to read all correspondence made on the Site and download or access, and test (if necessary), all uploaded files, programs, and websites related to the dispute for the sole purpose of having your dispute resolved. You are highly encouraged to submit all the documents that would support your claims on your dispute. Submit e-mail correspondences as screenshots or as *.eml files. If submitting screenshots, ensure that the "To", "From", and the "Date" bar is visible. E-mail correspondences sent in *.txt or *.doc or any word processing software will not be honoured. For proof of external correspondence, users should provide screenshots of their entire unedited conversation. IM (instant messenger) conversations should be submitted as screenshots of the conversation from the IM software. Correspondences sent in *.txt, *.doc, or any word processing software will not be honoured. Provide the products, contracts, and other files relating to the project and the dispute. Chukolo will retain the confidentiality of the project and the privacy of the involved users and will not release the collected information to any party unless required by law. Fee The fee for a milestone dispute is NGN 1,800.00 or 3%, whichever is greater, payable by each party.