Terms of Use

ebPro is an employee benefits platform designed to enable participating employers to provide eligible employees and other authorised users with access to benefits, allowances, incentives, rewards and related services.

• An employee benefit account or profile;
• An ebPro payment or benefit card;
• Employer-funded allowances or benefits;
• Access to participating merchants or service providers;
• Benefit administration and transaction information;
• Notifications, promotions and discounts; and
• Other services introduced by ebPro from time to time.

You must be legally capable of entering into a binding agreement and meet any eligibility criteria applying to the relevant service. Where access is provided through an employer, you may need to be employed by, engaged by or otherwise associated with a participating organisation.

• Provide accurate and complete information;
• Satisfy identity-verification or know-your-customer requirements where applicable;
• Meet regulatory or compliance requirements; and
• Comply with additional conditions for a particular benefit or card programme.

You agree to provide accurate, complete and current information and update it when it changes. You are responsible for keeping login credentials, passwords, PINs and other authentication information secure and must notify us promptly if they are lost, stolen, compromised or used without authority.

• Name, contact details and date of birth;
• Residential or contact address;
• Employer and employee identification information;
• Government-issued identification where required;
• Information needed for card issuance or verification;
• Transaction and account information; and
• Other information reasonably required to provide or protect the service.

Where access is sponsored or administered through your employer, your employer may determine eligibility, benefit amounts, funding dates, permitted spending categories, expiry dates, contribution requirements and other programme rules.

ebPro administers benefits based on employer instructions and, unless expressly stated otherwise, does not determine employment entitlements or resolve disputes about salary, employment status or entitlement to benefits.

An ebPro card may be issued or supported by a regulated financial institution and operated through a recognised payment-card network. Its use may also be subject to issuer conditions, network rules, applicable law, limits and communicated restrictions. The card is personal to the authorised cardholder and must not be transferred. You must keep the card and PIN secure.

You may use ebPro only lawfully and under these Terms.

• Do not commit or attempt fraud, money laundering, terrorist financing or other unlawful activity;
• Do not impersonate another person or provide false or misleading information;
• Do not circumvent transaction, eligibility or benefit restrictions;
• Do not obtain cash or value through an unauthorised transaction;
• Do not interfere with platform security, availability or operation or introduce malicious code; and
• Do not access another person’s account without authority.

Transactions are subject to available balances, merchant eligibility, limits, network availability, issuer controls and programme rules. We may decline or restrict a transaction for insufficient funds, exceeded limits, prohibited categories, suspicious activity, account status, provider unavailability or legal and compliance requirements.

Merchant refunds are subject to merchant policies and payment-network rules. Reversed or refunded funds will normally return to the relevant balance after receipt through the payment system. Contact us promptly about incorrect or unauthorised transactions; additional scheme procedures and time limits may apply.

Fees charged directly by ebPro will be disclosed before becoming payable. Your employer may pay some or all participation charges. Banks, networks, telecommunications providers, merchants or other third parties may impose separate charges outside our control.

Unless expressly stated otherwise, benefit balances are not deposits with Sentry Link Limited, do not earn interest, may be subject to employer or programme conditions, may expire and may only be used for permitted purposes. A regulated financial institution’s terms may also apply where it holds, safeguards or processes funds.

The service may depend on employers, banks, issuers, processors, networks, verification providers, manufacturers, fulfilment providers, merchants, hosts and communications providers. We are not responsible for independent acts or omissions outside our reasonable control, without affecting rights available under law.

All intellectual-property rights in the ebPro platform, software, design, branding, trademarks, graphics, databases and content belong to Sentry Link Limited or its licensors. You receive a limited, revocable, non-exclusive and non-transferable right to use the platform as intended and must not reproduce, reverse engineer, exploit, modify or distribute it except as permitted by law or written consent.

We aim to keep ebPro available and secure but do not guarantee uninterrupted or error-free operation. Maintenance, upgrades, outages, cybersecurity events, regulatory requirements or events outside our control may affect service. We may require additional authentication, temporarily limit access or disable compromised credentials.

We may restrict, suspend or terminate access where you breach these Terms, unlawful activity is suspected, checks cannot be completed, law or a regulator requires action, your employer says you are no longer eligible, a partner requires it, or access creates a material security or operational risk. Where reasonably practicable and permitted, we will give notice.

Nothing excludes liability that cannot lawfully be excluded. Subject to law, ebPro will not be liable for indirect, incidental or consequential loss arising from merchant refusal, third-party failure, internet outages, failure to protect credentials, employer benefit decisions or circumstances outside our reasonable control. Statutory and consumer rights remain unaffected.

Our collection and use of personal information is described in the ebPro Privacy Policy. By using the service, you acknowledge that personal information will be handled under that policy and applicable data-protection law.

We may amend these Terms for changes to the service, law, regulation, technology, network requirements or our operations. Material changes will be communicated appropriately. Where required, we will obtain consent; otherwise continued use after the effective date may constitute acceptance.

Contact us with questions or complaints. We will investigate and respond within a reasonable period and may refer or coordinate regulated financial or card-service complaints with the relevant partner.

These Terms are governed by the laws of the Federal Republic of Nigeria. The parties should first try to resolve disputes amicably. Unresolved disputes are subject to the competent courts of Nigeria unless applicable law requires otherwise.

Sentry Link Limited / ebPro

Registered Address: 33 Oritse Street, Ikeja, Lagos, Nigeria

Email: support@employeebenefitpro.com

Telephone: +234 700 776 84386

Website: www.employeebenefitpro.com