1. Platform Nature & Acceptance of Terms
Welcome to NetFuse. These Terms of Service constitute a legally binding agreement between you (whether as a mentee, coach, mentor, or visitor) and NetFuse Nigeria ("NetFuse", "we", "us", or "our"). By creating an account, booking a session, subscribing as a mentor, or downloading the mobile application, you unconditionally accept and agree to abide by these Terms.
NetFuse is a technology infrastructure facilitator providing biometric verification, Agora RTC video sessions, direct Paystack split settlements, and community collaboration tooling.
NetFuse is neither an employer, talent agency, university, nor fiduciary. Mentors operate as independent contracting professionals.
Users must be at least 18 years old or possess documented legal guardian consent under Nigerian law to execute financial contracts.
Governed by and construed under the substantive laws of the Federal Republic of Nigeria, compliant with the Nigeria Data Protection Act (NDPA).
2. Coach & Mentor Independent Contractor Status
Mentors and coaches who offer professional consulting, code reviews, career guidance, or educational sessions on NetFuse acknowledge and agree to the following obligations:
- Independent Contractor Autonomy: Coaches retain absolute discretion over their working schedule, accepted booking requests, and advisory methodologies. NetFuse does not prescribe instructional scripts or internal syllabi.
- Pricing Autonomy: Coaches establish their own session rates denominated in Nigerian Naira (₦). NetFuse enforces no price caps or artificial floors, subject only to system minimum transaction increments.
- Tax & Regulatory Compliance: Coaches are solely responsible for calculating, declaring, and remitting any applicable Federal Inland Revenue Service (FIRS) income taxes, state withholding taxes, or VAT arising from earnings.
- Non-Circumvention Policy: Coaches and mentees agree not to solicit, invoice, or settle fees for platform-initiated relationships outside NetFuse rails. Circumventing official payment rails to bypass safety protections results in immediate, permanent platform expulsion.
3. Identity Verification & Ninja KYC Requirements
To eliminate mentorship impersonation and financial fraud, NetFuse implements mandatory, rigorous identity verification powered by Ninja KYC.
National Identity Number matched against official National Identity Management Commission databases in real-time.
Bank Verification Number validated to confirm coach payout subaccounts match verified legal identities.
3D facial geometry matching to verify the live account registrant corresponds precisely to government credentials.
4. Booking, Agora RTC Infrastructure & Payment Protection
NetFuse integrates high-performance real-time communication with automated Paystack subaccount split settlement and identity-verified protection to guarantee that neither party is disadvantaged.
5. Financial Architecture: 80/20 Split & ₦1,500 Mentor Pass
Our revenue model is mathematically transparent, ethical, and structured to reward genuine coaching value:
Coaches retain exactly 80% of every session fee. The platform's 20% share finances PCI-DSS payment infrastructure, Agora ultra-low latency servers, customer dispute mediation, and Ninja biometric identity verification.
To list active booking slots, receive verified credentials on search indices, and access community referral benefits, coaches maintain a flat ₦1,500 monthly SaaS subscription.
6. Direct Mentor Community & Verified Partnership Structure
NetFuse operates on a transparent Direct 80/20 Settlement Model. When a client books and pays for a session, 80% is directly allocated to the mentor's Paystack subaccount, and 20% covers platform infrastructure, Agora RTC video servers, and payment security:
Paid straight to the mentor's verified Paystack subaccount linked directly to their NIN/BVN-authenticated Nigerian commercial bank account.
Funds high-definition low-latency Agora video call infrastructure, automated dispute resolution, and continuous ecosystem security.
7. Cancellation, Rescheduling & Refund Protocol
All session cancellations and refund disputes are subject to our comprehensive Refund Policy. Key summaries include:
8. Prohibited Conduct & Account Sanctions
To maintain NetFuse as an executive professional environment, the following behaviors result in immediate account termination, forfeiture of pending balances in dispute, and legal referral:
Directing mentees to pay via WhatsApp, wire transfer, or external crypto wallets.
Submitting another individual’s BVN/NIN or permitting non-verified substitutes to host sessions.
Hate speech, sexual harassment, intimidation, or inappropriate conduct during live video sessions.
Promising guaranteed financial returns, Ponzi schemes, academic dissertation cheating, or illegal activities.
Synthesizing artificial accounts to harvest referral bonuses or game ratings.
Decompiling, scraping, or attempting unauthorized penetration of NetFuse mobile APIs or databases.
9. Intellectual Property & Session Recordings
Both parties retain rights to their proprietary materials shared during mentorship sessions:
- User IP Retention: Mentees and coaches retain complete ownership of proprietary source code, pitch decks, business secrets, and slide decks shared in sessions.
- Recording Consent Mandate: Local or cloud recording of any session without the contemporaneous, explicit in-app consent of both the mentor and mentee is strictly forbidden.
- Platform Assets: The NetFuse trademark, logo, code, interface designs, and algorithms remain the exclusive intellectual property of NetFuse Nigeria.
10. Limitation of Liability & Dispute Resolution
NetFuse provides mentorship connection technology on an "AS IS" and "AS AVAILABLE" basis. We disclaim all warranties regarding specific career results, investment advice accuracy, or business success resulting from mentorship.
In no event shall NetFuse's aggregate liability exceed the total fees paid or received by you through the platform during the three (3) calendar months preceding the claim.
Any dispute arising under these Terms shall first be submitted to good-faith mediation through the NetFuse Dispute Desk (disputes@netfuse.ng). If unresolved within thirty (30) days, the matter shall be referred to and finally resolved by arbitration administered by the Lagos Multi-Door Courthouse (LMDC) or the Arbitration and Mediation Act, 2023 of the Federal Republic of Nigeria.
Have questions about these terms?
Reach our legal and compliance desk at support@netfuse.ng. We respond to official correspondence within 48 hours.