LAST UPDATED: 1st December 2020

You’re welcome to website (the "Site") of KreativeRock Digital Limited.

This Site has been built:

❖ To help businesses engage their audience better, collect payments & give value, get insights for informed business decision, drive engagement, and achieve business set-goals and objectives.

Please read our terms of use carefully as the use of our Site is subject to these terms and conditions.

We may change our terms from time to time and such changes will take effect as and when published on this Site. By using our site, you accept these terms and conditions in full. If you do not accept our terms of use, then please do not make use of our Site.


If you are not yet 18 years old, you must obtain your parents’ or legal guardians’ consent and permission to be bound by the terms of our Site prior to you using any aspect of our services listed on the site.


  1. You may register on our website by completing and submitting the registration form on the website.
  2. You represent and warrant that all information provided in the registration form is complete, accurate and completely true.
  3. You agree that your KreativeRock account shall be used exclusively by you and you shall not transfer your account or password to any third party. If you authorize any third party to manage your account on your behalf this shall be at your own risk.
  4. You agree to:
    • Keep your password confidential.
    • Notify us in writing immediately you become aware of any disclosure of your password; and
    • Be responsible for any activity on the website arising out of any failure to keep your password confidential, and that you may be held liable for any losses arising out of such a failure.


  1. You acknowledge and agree that:
    • You will undergo the process of filling the questionnaire set-up form with true and accurate details of your project.
    • After a short code has been assigned to you, you will only use the code for the purpose it is meant for.
    • That all participants will get value for a promise made to them. And this promise has to be fulfilled and born by you.


To use any of the short codes assigned to a merchant to pay bills or purchase any item, the automated purchase process must be completed in the prescribed manner. Our purchase system will provide users with a payment summary page to confirm payments. We do not store payment information’s. By submitting a payment request, permission is granted to debit the designated bank account or airtime with the equivalent amount. An email or SMS receipt would be sent immediately payment is confirmed.


  1. All sales are final! As a result, KreativeRock does not offer returns and does not accept returns. We will however advise the users to use any other service that we offer within the set-fee they seek refund for.


  1. You hereby waive all your moral rights in your content to the maximum extent permitted by applicable law; and you warrant and represent that all other moral rights in your content have been waived to the maximum extent permitted by applicable law
  2. Without prejudice to our other rights under these terms and conditions, if you breach our rules on content in any way, or if we reasonably suspect that you have breached our rules on content, we may delete, unpublish or edit any or all of your content.


  1. You may only use our website for your own personal and business purposes, and you may:
    • View pages from our website in a web browser.
    • Download pages from our website for caching in a web browser.
    • Print pages from our website for your own personal and non-commercial use, providing that such printing is not systematic or excessive.
    • Stream audio and video files from our website using the media player on our website.
  2. Except as expressly permitted by these general terms and conditions, you must not edit or otherwise modify any material on our website. Unless you own or control the relevant rights in the material, you must not:
    • Republish material from our website (including republication on another website).
    • Sell, rent or sub-license material from our website.
  3. We reserve the right to suspend or restrict access to our website, to areas of our website and/or to functionality upon our website. We may, for example, suspend access to the website during server maintenance or when we update the website. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on the website.
  4. You must not:
    • Use our website in any way or take any action that causes, or may cause, damage to the website or impairment of the performance, availability, accessibility, integrity, or security of the website.
    • Use our website in any way that is unethical, unlawful, illegal, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.
    • Hack or otherwise tamper with our website. o Probe, scan or test the vulnerability of our website without our permission.
    • Circumvent any authentication or security systems or processes on or relating to our website.
    • Use our website to copy, store, host, transmit, send, use, publish or distribute any material which consists of (or is linked to) any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
    • Impose an unreasonably large load on our website resources (including bandwidth, storage capacity and processing capacity).
    • Decrypt or decipher any communications sent by or to our website without our permission.
    • Access or otherwise interact with our website using any robot, spider, or other automated means, except for the purpose of search engine indexing.
    • Do anything that interferes with the normal use of our website.


  1. Subject to the express provisions of these terms of use:
    • We, together with our licensors, own and control all the copyright and other intellectual property rights in our website and the material on our website; and
    • All the copyright and other intellectual property rights in our website and the material on our website are reserved.
  2. KreativeRock’s logos and our other registered and unregistered trademarks are trademarks belonging to us; we give no permission for the use of these trademarks, and such use may constitute an infringement of our rights.
  3. The third party registered and unregistered trademarks or service marks on our website are the property of their respective owners and we do not endorse and are not affiliated with any of the holders of any such rights and as such we cannot grant any license to exercise such rights.


  1. End-Users agree to processing of their personal data in accordance with the prompt to complete transaction, submit enquiries or request a quote.
  2. KreativeRock shall process all personal data obtained from registering on the website, submitting and enquiry, initiating a transaction or by using the website in accordance with the terms of engagement and shall only use these personal data for marketing communications purposes only.


  1. You hereby indemnify us, and undertake to keep us indemnified, against:
    • Any and all losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by us to any third party in settlement of a claim or dispute) incurred or suffered by us and arising directly or indirectly out of your use of our platform or any breach by you of any provision of these general terms and conditions or the KreativeRock codes, policies or guidelines; and
    • Any VAT liability or other tax liability that we may incur in relation to any sale, supply or purchase made through our website, where that liability arises out of your failure to pay, withhold, declare or register to pay any VAT or other tax properly due in any jurisdiction.


  1. You acknowledge that:
    • We do not confirm the identity of all account holders on KreativeRock website.
    • We do not check, audit, or monitor all information contained in listings.
  2. We do not warrant or represent:
    • The completeness or accuracy of the information published on our website.
    • That the website will operate without fault; or
    • That the website or any service on the website will remain available.
  3. We reserve the right to discontinue or alter any or all of our services, and to stop publishing our website, at any time in our sole discretion with notice or explanation.
  4. If you breach these general terms and conditions, or if we reasonably suspect that you have breached these general terms and conditions in any way, we may:
    • Temporarily suspend your access to our website.
    • Permanently prohibit you from accessing our website.
    • Block computers using your IP address from accessing our website.
    • Contact any or all of your internet service providers and request that they block your access to our website.
    • Suspend or delete your account on our website; and/or
    • Commence legal action against you.
  5. Where we suspend, prohibit or block your access to our website or a part of our website you must not take any action to circumvent such suspension or prohibition or blocking (including without limitation creating and/or using a different account).

These terms of use shall constitute the entire agreement between you and us in relation to your use of our platform and shall supersede all previous understandings and agreements between you and us in relation to your use of our website.


This Site is run by KreativeRock Digital Limited, based in Nigeria (West Africa). We are a private company incorporated in accordance with the laws of the Federal Republic of Nigeria with registration number RC 1441363. We are VAT registered.