E-SIGN Consent Agreement

Please read the following E-SIGN Consent Agreement carefully.


This E-SIGN Consent Agreement (“Agreement”) allows us to provide you with
electronic versions of important notices and documents associated with
opening an account at
www.kiowope.money at Kiowope Capital Limited, 7
0jo Oyewo Street, Idado, Lekki, Lagos. Certain laws and regulations require us
to provide notices and disclosures to you in “writing” (traditionally this is
defined as a paper notice); with your consent, the E-SIGN Act allows us to
provide these documents to you electronically.


The words “we,” “our,” and “us” mean Kiowope Capital Limited, affiliates,
successors, and assigns.
The words “you” and “your” mean each applicant, account owner and
anyone else with access to the account. If there is more than one owner, then
these words mean each account owner separately, and all account owners

“Access Device” means any electronic device you use to access your
account and view electronic documents. This includes, but is not limited to:
a traditional computer such as a desktop or laptop computer; or a mobile
device such as a tablet computer or a smartphone.

Scope of this Agreement

This Agreement applies to all initial disclosures, notices, and terms and
conditions related to opening an account at 
www.kiowope.money with
Kiowope Capital Limited. This consent will remain effective through the
account application process or until expressly withdrawn by you. This
consent does not apply to account documentation during the lifetime of the
account (e.g., electronic account statements) nor does it apply to future
account applications. Your consent does not mean that we must provide

documents electronically but instead that we may deliver some or all of
those documents electronically.

Electronic Delivery of Documents

Electronic documents will be delivered to you within the application process
in a .pdf document. You must download and open the electronic documents
to proceed with your application and you are strongly encouraged to save
or print the documentation for future reference.

Requesting Paper Copies of Documents Presented Electronically

You agree and understand that paper versions of electronically presented
documents may not be mailed unless you specifically request it. To request
a paper copy of any disclosure, notice, or other document, contact us
[email protected]oney. Copies of disclosures, service agreements, and
account agreements will be mailed at no charge.

System Requirements

By consenting to this agreement, you confirm that your Access Device meets
the minimum specifications and requirements necessary to view and retain
your electronic documents.

To access your electronic documents on a mobile device, you will need:

  • A mobile device with any of the following operating systems: Android
    or iOS (iPhone).

  • A data plan provided by your wireless carrier and an up-to-date
    mobile internet browser that is compatible with, and supported by,
    your operating system (e.g., Chrome or Safari).

  • If you wish to view .pdf files on your mobile device, you will need
    software that accurately reads and displays .pdf files (such as the
    mobile version of Adobe Reader).

  • A printer and/or storage device if you wish to print or retain any
    electronic documents.

To access your electronic documents on a traditional computer, you will

  • A computer with any of the following operating systems: Windows XP
    or higher, OS X (Apple Macintosh) or higher.

  • An internet connection and an up-to-date internet browser that is
    compatible with, and supported by, your operating system (e.g.,
    Internet Explorer, Firefox, Google Chrome, or Safari).

  • Software that accurately reads and displays .pdf files (such as Adobe

  • A printer and/or storage device if you wish to print or retain any
    electronic documents.

  • A mobile phone that is compatible with Google/Apple App Store
    acceptable versions

    Changes to system requirements

    We will notify you if our hardware or software requirements change and
    whether that change creates a material risk that you would not be able to
    access or retain your electronic documents. Continuing the application
    process after receiving notice of the change is the reaffirmation of your
    consent to this Agreement

    Maintaining a Valid Email Address

    It is important that you maintain a valid email address so that we may
    contact you regarding your account. You agree to maintain a valid email
    address and promptly notify us of any changes to your email address. You
    may update your email address during the application process or by
    contacting us at

    Withdrawal of Your Consent

    You may withdraw your consent to this Agreement at any time.
    To withdraw your consent prior to completing your application, simply exit

this session prior to accepting this Agreement.
To withdraw your consent after you have already submitted your
application, you must call us at

You will no longer receive the electronic presentment of any

Multiple Access Devices

Your acceptance of this agreement on one Access Device constitutes your
acceptance on all Access Devices you use. For example, if you view and
accept this agreement on a mobile device, the terms of this Agreement will
apply to electronic documents accessed on a traditional computer (or vice

Additionally, by viewing and accepting this agreement on any Access
Device, you are reasonably demonstrating your ability to access and view
electronic documents in the format that the services are provided on that
Access Device and all subsequent Access Devices. If you change Access
Devices (or use multiple Access Devices), it is your responsibility to ensure
that the new Access Device meets the applicable system requirements and
that you are still able to access and view electronic documents on the
subsequent Access Device. Continuing your application on other Access
Devices is your reaffirmation of this Agreement

Please contact us at [email protected] if you have difficulties accessing
or viewing electronic documents on your selected Access Device.


You will be asked to acknowledge your acceptance of these terms by
checking the box before you are able to continue with your application. In
doing so, you are confirming that you meet the system requirements
described above, that you have demonstrated your ability to receive, retain,
and view electronic documents on your Access Device, and that you have
an active and valid email address.