BPRIME ASSETS LIMITED

Operator of the BPrime X Platform (x.bprimeassets.com)

Risk Disclosure & Disclaimer

BPrime X — a platform of BPrime Assets Limited

Legal Entity	BPrime Assets Limited (“BPrime”, “the Company”, “we”, “us”, or “our”)
Platform	BPrime X — x.bprimeassets.com
Corporate Site	bprimeassets.com
Jurisdiction	Federal Republic of Nigeria
Effective Date	6 July 2026
Version	Version 1.0
Contact	legal@bprimeassets.com

Table of Contents

1. Purpose of This Disclosure

This Risk Disclosure & Disclaimer (“Disclosure”) is provided by BPrime Assets Limited (“BPrime”, “we”, “us”, or “our”) to Users of the BPrime X platform at x.bprimeassets.com (the “Platform”) to ensure that Users understand the nature of the Services and the risks associated with their use, before creating, funding, or managing a Project.

Please read this Disclosure carefully. It forms an integral part of, and should be read together with, the BPrime X Terms of Use. By using the Platform, you acknowledge that you have read, understood, and accepted the matters set out in this Disclosure.

2. Nature of BPrime X

BPrime X is a self-directed project funding and management tool. It enables a User to create a Project and to fund, track, and manage that Project using the User’s own resources, for the User’s own purposes.

BPrime X does not, as at the Effective Date of this Disclosure, operate as an investment platform, crowdfunding platform, securities exchange, collective investment scheme, or any facility through which Users may invest in, purchase interests in, or receive returns from projects created by other Users. BPrime does not pool funds from multiple Users into third-party projects, does not offer or promote any project as an investment opportunity, and does not solicit funds from the public for investment purposes. Any impression to the contrary is not authorised by BPrime and should be reported to legal@bprimeassets.com immediately.

Because a User’s Project is created, funded, and controlled entirely by that User, BPrime does not manage, control, or take responsibility for the underlying purpose, performance, or outcome of any Project. The User bears sole responsibility for decisions relating to their own Project, including how funds are used and accounted for.

3. No Investment Advice

Nothing on the Platform, in our marketing materials, or in any communication from BPrime constitutes financial, investment, tax, legal, or other professional advice. BPrime is not a licensed investment adviser, broker-dealer, or fund manager, and does not hold itself out as providing personalised recommendations regarding the use of funds, savings strategies, or financial planning.

You should obtain independent professional advice before making any financial decision, including any decision relating to the funding of your own Project on the Platform.

4. General Risk Factors

Use of the Platform carries inherent risks, which include, without limitation, the following:

4.1 Self-Directed Responsibility Risk

Because Projects are created and managed entirely by Users, the success, completion, or outcome of any Project depends entirely on the User’s own actions, planning, and diligence. BPrime does not guarantee that any Project will achieve its stated funding goal or intended purpose.

4.2 Technology and Availability Risk

Like any digital platform, BPrime X may be subject to downtime, technical errors, cyberattacks, or other disruptions that could temporarily prevent access to the Platform or delay transactions. While we implement measures described in our Security & Data Protection Statement to mitigate such risks, we cannot guarantee uninterrupted or error-free operation.

4.3 Payment and Transaction Risk

Transactions on the Platform are processed through our Payment Processor, Paystack. While Paystack is a licensed and regulated payment service provider, transaction delays, reversals, or processing errors may occasionally occur, whether due to banking network issues, User error (such as incorrect account details), or other factors outside BPrime’s control.

4.4 Fraud and Third-Party Risk

As with any online platform involving financial transactions, there is a risk of fraudulent activity by third parties, including phishing attempts or impersonation of BPrime or its representatives. BPrime will never ask you to disclose your full password, one-time passcodes (OTP), or full card details outside the secure Platform environment. You should independently verify the authenticity of any communication purportedly from BPrime.

4.5 Regulatory and Legal Risk

Applicable laws and regulations governing fintech platforms, payment services, and data protection in Nigeria may change over time. Such changes could affect the features, availability, or operation of the Platform. BPrime will endeavour to notify Users of material regulatory changes affecting the Services where reasonably practicable.

4.6 No Guarantee of Returns

As BPrime X does not currently facilitate investment in third-party projects, there is no return, yield, interest, or profit offered or implied by BPrime in connection with a User’s use of the Platform to fund their own Project, other than any explicitly stated feature (if any) disclosed separately and in writing by BPrime. Users should not treat the Platform as a savings product with guaranteed returns unless expressly and separately stated by BPrime in writing.

5. No Deposit-Taking or Banking Services

BPrime Assets Limited is not a licensed deposit money bank, microfinance bank, or other deposit-taking institution under Nigerian banking law, and does not offer banking services such as fixed deposits, savings accounts, or loans. Funds processed through the Platform are transmitted via our licensed Payment Processor, Paystack, and any funds held pending disbursement are managed strictly in accordance with applicable payment service regulations and our agreements with Paystack. Users should not treat the Platform as a substitute for licensed banking or deposit-taking services.

6. User Responsibility

By using the Platform, you acknowledge and agree that:

• You are solely responsible for the accuracy of information you provide when creating or managing your own Project;
• You are solely responsible for ensuring that your use of funds raised or managed through your Project complies with Applicable Law, including tax obligations;
• You will exercise independent judgment and, where appropriate, seek professional advice before making financial decisions in connection with your use of the Platform;
• You understand that BPrime’s role is limited to providing the technological infrastructure that enables you to fund and manage your own Project, and does not extend to guaranteeing any outcome.

7. Future Changes to the Business Model

Should BPrime, at a future date, introduce functionality permitting Users to invest in or contribute to third-party projects, such functionality will only be introduced following appropriate regulatory review and, where required, authorisation from competent Nigerian authorities. Prior to the launch of any such feature, BPrime will issue an updated Risk Disclosure & Disclaimer describing the nature of the new functionality and the specific risks involved, and Users will be given an opportunity to review such updated disclosure before the new functionality becomes available to them.

8. Limitation of Liability

To the fullest extent permitted by Applicable Law, BPrime shall not be liable for any loss or damage arising from a User’s decisions relating to their own Project, including the use of funds raised or managed through the Platform, save to the extent such loss arises directly from BPrime’s fraud, wilful misconduct, or gross negligence. This Disclosure should be read together with the Limitation of Liability provisions set out in our Terms of Use.

9. Complaints and Queries

If you have concerns regarding the operation of the Platform, a suspected fraudulent communication purporting to be from BPrime, or any matter addressed in this Disclosure, please contact us promptly at legal@bprimeassets.com.

10. Acknowledgement

By creating an Account, funding a Project, or otherwise using the Platform, you confirm that you have read and understood this Risk Disclosure & Disclaimer, that you understand the self-directed nature of BPrime X, and that you accept the risks described herein.