LIORA Terms & Conditions | Member Terms

1. Introduction and Acceptance of Terms

These Terms & Conditions (“Terms”) describe the rules for accessing and using the LIORA website, account features and opportunities made available through the LIORA digital ecosystem (together, the “Platform”). “LIORA” refers to the LIORA platform and brand.

By accessing, registering for or using the Platform, you agree to these Terms and the policies they identify, to the extent permitted by applicable law. If you do not agree, do not create an account or participate. Mandatory consumer rights remain unaffected.

The Last Updated date shown above identifies the current version of these Terms.

2. Definitions

In these Terms, the following expressions have the meanings below unless the context requires otherwise:

LIORA: the digital ecosystem and brand described in these Terms.
Platform: LIORA’s public website, account areas, tools, content and services made available from time to time.
Member: an individual who has created an account or otherwise participates in an available LIORA opportunity.
Account: a member’s registered profile and associated access credentials.
Registration: the process of submitting required details, accepting applicable terms and completing any displayed activation requirements.
Membership Package: a package, if offered, whose current price and included features are displayed during registration.
Welcome Bonus: a promotional credit or benefit that may be offered subject to its stated conditions.
Opportunity: an activity or programme that LIORA makes available to eligible members under separate instructions or terms.
AI Training and Data Contribution: human participation activities that may help assess, label, organise or provide feedback on data or AI outputs.
Dividend: a distribution, if any, made under a valid ownership arrangement and its governing documents; it is not guaranteed by these Terms.
Withdrawal: a member’s request to transfer an eligible, available balance using a supported method.
Administrator: a person authorised to operate, maintain or provide support for the Platform.

3. About LIORA

LIORA is a digital ecosystem built around Opportunities, AI Training & Data Contribution, and Community & Ownership. The Platform is being developed to bring these areas together in one place.

LIORA’s slogan is “Light With Endless Opportunities.” Its brand tagline is “Built for Everyone. Built to Last.” These phrases describe the brand and are not promises that a particular opportunity, result, payment or service will be available.

These Terms describe the rules for use of the LIORA Platform. No corporate registration number, address, licence, regulatory approval or external partnership is represented by this page.

4. Eligibility and Membership Requirements

You must be at least 18 years old, have legal capacity to accept these Terms, provide accurate information and reside in a country where registration is enabled. The country selector at registration is the current operational source of availability; country support and individual services may change.

The countries listed below are supported registration markets. Availability of a particular package, payment method, opportunity or withdrawal method may vary by country and is controlled by the options shown in the Platform.

Nigeria
Ghana
Côte d’Ivoire
Senegal
Benin
Togo
Burkina Faso
Mali
Niger
Guinea
Guinea-Bissau
Sierra Leone
Liberia
The Gambia
South Africa
Zambia
Zimbabwe
Mozambique
Rwanda

You are responsible for checking whether participation is lawful where you live.
Payment, account verification and withdrawal options may differ by country.
LIORA may restrict access where required by law, security needs or operational limitations.

5. Registration and Account Creation

During registration, you must provide the information requested by the form and keep it complete and accurate. The information may include your name, username, email address, phone number, country and password. You must promptly update information that becomes inaccurate.

A username or email address may be subject to availability and uniqueness checks. You may not impersonate another person, create an account using false information, or use multiple accounts to evade restrictions or claim benefits improperly.

LIORA may request reasonable verification to protect accounts, confirm eligibility, investigate suspicious activity or meet legal obligations. Account recovery is subject to the recovery steps made available on the Platform.

6. Membership Packages and Registration Fees

Registration may require payment for an applicable Membership Package. The package name, current price, currency, included features and any applicable registration fee are the details displayed on the official LIORA registration flow immediately before you confirm payment.

Do not rely on an old promotion, message or screenshot as a current price. LIORA must publish and maintain any package prices and benefits before accepting payment. These Terms do not create an additional package, fee, renewal or benefit that is not shown at checkout.

If a package is changed or withdrawn, the change will not retroactively alter an already completed purchase except where the applicable package terms or law allow it.

7. Payments and Payment Verification

Payments must be made through a payment method presented as supported in the official registration flow. Before paying, review the amount, currency, payee and transaction instructions shown by LIORA and the payment provider.

A redirect, receipt image, browser message or success screen alone does not establish that a payment has cleared. Account activation and any payment-dependent benefit are subject to verification against the payment provider’s transaction records.

If a payment is pending, duplicated, declined or disputed, do not repeat it without checking its status. Keep the transaction reference and contact LIORA support for assistance. Banks and payment providers may apply their own processing times, conversion rates, fees, dispute procedures or terms.

Any taxes, payment-provider charges or currency conversions must be shown or explained in the applicable checkout flow where required. The provider’s own transaction terms also apply to services it supplies.

8. Welcome Bonuses and Promotional Offers

A Welcome Bonus or other promotion is available only when LIORA expressly displays it and you satisfy the stated conditions. Unless the promotion says otherwise, a payment-dependent bonus is considered only after the related payment is verified.

Promotional terms may include eligibility, timing, use, expiry or withdrawal conditions. A displayed bonus is not necessarily cash, a guaranteed return or an immediately withdrawable balance. Its status and any applicable conditions should be shown in your account.

LIORA may correct, suspend or withdraw a promotion where reasonably necessary to address error, abuse, fraud, technical issues or legal requirements. Attempts to claim multiple bonuses through false or duplicate accounts may result in cancellation of the benefit or account restrictions.

9. Opportunities and Member Participation

LIORA may make different opportunities available to members over time. Each opportunity may have its own eligibility rules, instructions, quality requirements, availability, review process and reward conditions. Those specific terms apply to participation in that opportunity.

An opportunity is not guaranteed to be available to every member or in every country. You are responsible for reading its instructions, submitting only eligible work and following the rules that apply to it. LIORA may reject or not reward a submission that does not satisfy the stated requirements.

Participation does not guarantee work, tasks, rewards, earnings or continued access to an opportunity. Do not submit content or personal information that you do not have the right to provide.

10. AI Training and Data Contribution

AI Training & Data Contribution is one of LIORA’s stated pillars. Where such activities are offered, they may involve reviewing, assessing, comparing, labelling or organising information, or providing human feedback on examples or AI outputs.

Each activity will have its own instructions and quality criteria. You must complete the task honestly, follow any restrictions on the material, and submit original work that you are authorised to provide. Work may be reviewed and may be rejected or left unpaid if it is incomplete, inaccurate, copied, automated or otherwise fails the activity’s requirements.

LIORA does not represent through these Terms that it has a partnership with any AI company or external organisation. Any disclosure about the recipient, purpose, storage or reuse of contributed material must be set out in the relevant activity notice and Privacy Policy before you participate.

11. Community and Ownership

LIORA describes Community & Ownership as a pillar of its ecosystem. Membership alone does not establish legal share ownership, voting rights, an equity interest, partnership, trust, agency relationship or right to participate in a company’s profits.

Any shareholding, ownership entitlement, dividend right or other participation right exists only if it is created by valid formal documents, issued by the relevant legal entity and accepted in accordance with applicable law. Those documents—not a website description, promotional message or these Terms—must state the rights, restrictions and risks.

Before any ownership programme is offered, LIORA must publish the relevant legal entity, governing documents, eligibility rules, transfer restrictions, tax information and required regulatory disclosures. Nothing in this section grants an ownership right.

12. Dividends, Shares and Profit Distribution

A dividend or profit distribution is not promised or guaranteed by these Terms. A distribution may occur only if an applicable, valid ownership arrangement permits it, the relevant entity has distributable profits, required approvals are obtained and the distribution is lawful.

Any distribution amount, timing, currency, eligibility, tax treatment and method must be determined by the governing ownership documents and applicable law. No fixed weekly or monthly return, share percentage, profit, investment recovery or guaranteed payment is stated or created here.

The ownership structure, rights and distribution terms must be independently confirmed and documented before LIORA presents a dividend or share programme as available to members.

13. Product and Brand Recommendation Opportunities

If LIORA offers product or brand recommendation activities, members must provide genuine, accurate feedback based on their actual experience and follow the instructions for that activity.

Do not make false, misleading or unsubstantiated claims about a product, brand or service. Disclose a material connection or reward where required by applicable advertising and consumer-protection rules. A reward, where advertised, depends on eligibility, a valid submission, verification and the stated programme conditions.

LIORA does not guarantee that a recommendation will be accepted or rewarded. The specific activity terms control submission format, review and any applicable reward.

14. Earnings and Income Disclaimer

Participation in LIORA does not guarantee a particular income or financial result. Results may vary based on opportunity availability, eligibility, member participation, quality review, programme conditions, payment processing and other factors.

Any examples or promotional figures must be read with their accompanying conditions and must not be treated as a promise, fixed return or assurance that you will receive the same result. These Terms do not provide financial, investment, tax or legal advice.

You should make your own informed decision before paying a fee or participating in an activity. Do not commit money that you cannot afford to lose or rely on projected earnings to meet essential expenses.

15. Withdrawals and Payment Processing

You may request a withdrawal only from funds that are shown as eligible and available in your account, using a withdrawal method supported for your country. Minimum amounts, identity checks, account status and other requirements may apply and should be displayed before a request is submitted.

Submitting a request does not mean it has been approved or paid. LIORA or its payment provider may review a request for accuracy, eligibility, fraud prevention, security or legal compliance. Processing times may be affected by verification, weekends, public holidays, provider delays, banking networks or incorrect payment details.

No unconditional processing period or guaranteed payment date is promised by these Terms. Check your transaction history and contact the official support channels if a request remains unresolved. Current thresholds, methods and any service timing shown in the Platform apply when you submit a request.

16. Account Security and Member Responsibilities

Keep your password and access codes confidential, use a unique password and do not share access to your account. You are responsible for activity carried out through your credentials, except to the extent applicable law provides otherwise.

Notify LIORA promptly through an official support channel if you believe your account has been accessed without permission, your credentials have been exposed, or your account information is being misused. LIORA may take reasonable steps to secure or verify the account.

You must use the Platform lawfully, provide accurate information, protect other people’s rights and follow the instructions and specific terms for each service or opportunity.

17. Prohibited Activities

You must not, and must not help anyone else to:

Provide false registration details, impersonate another person or misrepresent your eligibility.
Use duplicate accounts to evade limits, manipulate promotions or obtain benefits improperly.
Submit fraudulent payments, falsify transaction evidence or interfere with payment verification.
Manipulate, copy, automate or misrepresent task submissions or member activity.
Use bots, scripts or other automation in a way that disrupts the Platform or violates opportunity rules.
Harass, threaten, defraud or abuse another member, LIORA staff member or third party.
Access another person’s account or information without permission.
Attempt to bypass access controls, disrupt the Platform or probe for weaknesses without written authorization.
Upload, share or use content that you do not have the right to provide, or that violates law or another person’s rights.
Misrepresent LIORA’s services, payment terms, ownership rights or earning opportunities.
Use the Platform for unlawful activity or in a way prohibited by an applicable opportunity’s instructions.

18. Account Suspension and Termination

LIORA may restrict, suspend or terminate access where it reasonably believes this is necessary to address a serious breach of these Terms, suspected fraud or abuse, account compromise, a legal requirement, a security risk or material harm to the Platform, members or others.

Where practical and lawful, LIORA will provide notice and a reasonable opportunity to resolve an issue before taking action. Immediate action may be necessary to prevent harm, preserve security or comply with law. You may contact support to request a review of an account restriction.

On termination, your access to affected features ends. Treatment of pending payments, promotional credits and eligible balances will depend on the applicable programme terms, verification status and applicable law. Termination does not remove rights or obligations that accrued before termination.

19. Refunds and Cancellations

Refund eligibility depends on the package or service purchased, the reason for the request, payment status, any published refund policy and applicable law. These Terms do not impose a blanket no-refund rule or create a refund entitlement that has not been approved.

If you believe you were charged incorrectly or need to request a refund, contact LIORA through an official support channel with your account details and transaction reference. Do not send passwords or full payment-card details. Payment-provider dispute rights and statutory consumer rights remain subject to their own rules.

LIORA must publish the approved cancellation and refund rules, including any deadlines and exclusions, before accepting payments under those rules.

20. Platform Availability and Maintenance

LIORA may change, improve, suspend or discontinue a feature, opportunity or part of the Platform. Availability may vary by country, account status, technical requirements and operational capacity.

The Platform may be unavailable or limited because of maintenance, updates, network or provider issues, security incidents or events outside LIORA’s reasonable control. LIORA does not promise uninterrupted availability or a particular uptime unless a separate written service commitment says otherwise.

LIORA will take reasonable steps to restore affected services and communicate material changes where appropriate. Nothing in this section limits rights that cannot lawfully be limited.

21. Intellectual Property

The LIORA name, logo, visual identity, Platform software, design and LIORA-authored content are owned by or licensed to their respective rights holders. These Terms do not transfer those rights to you. You may use the Platform only for its intended purposes and in accordance with these Terms.

You retain rights you already hold in content you submit. You grant LIORA only the limited permission reasonably needed to receive, review, display or process that content for the activity you chose, operate the Platform and meet legal or security requirements. Any broader use must be explained in the relevant activity terms or Privacy Policy.

Do not copy, modify, distribute, reverse engineer or commercially exploit Platform content or software except where the law permits or LIORA gives written permission.

22. Privacy and Personal Information

Personal information should be handled in accordance with LIORA’s Privacy Policy and applicable data-protection law. The policy explains the information and practices currently verified, and marks the responsible legal entity, privacy contact, retention, provider list and other details LIORA still needs to confirm.

The LIORA Privacy Policy is available at the link below. It identifies details that LIORA still needs to confirm, including its legal identity, privacy contact and some operational privacy practices. Publishing the Privacy Policy does not by itself make registration available.

23. Third-Party Services and External Links

The Platform may rely on or link to services provided by third parties, including payment, authentication, communication or hosting providers. Those services may have their own terms, privacy notices, fees, processing delays and availability rules.

A link or integration does not mean LIORA endorses or controls a third party. You are responsible for reviewing the third party’s terms before using its service. LIORA remains responsible for its own representations and obligations under applicable law.

The actual providers that receive member information are described in LIORA’s Privacy Policy. No additional or unverified partner relationship is asserted by this section.

24. Limitation of Liability

To the maximum extent permitted by applicable law, LIORA is not responsible for indirect, incidental, special, consequential, exemplary or punitive loss, or for loss of profits, revenue, opportunity, data or goodwill arising from use of or inability to use the Platform.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including any rights or remedies that applicable consumer-protection law makes mandatory. This section does not impose a separate monetary cap on liability.

25. Indemnification

To the extent permitted by applicable law, you may be responsible for reasonable third-party claims and direct costs caused by your unlawful conduct, your material breach of these Terms, or content you submit that infringes another person’s rights.

LIORA will give you notice of a claim where legally permitted and reasonably practicable. You must not settle a claim in a way that imposes an obligation or admission on LIORA without its written consent. Any indemnity is subject to applicable law and does not remove rights that cannot be waived.

This section applies only to the extent permitted by applicable law and does not require you to indemnify LIORA for LIORA’s own unlawful conduct.

26. Changes to These Terms

LIORA may update these Terms to reflect changes to the Platform, opportunities, security requirements or law. The Last Updated date should change whenever a revised version is published.

For a material change, LIORA will provide notice by a reasonable method where required by law. The notice should explain when the change takes effect and whether you need to take any action. If you do not agree with a revised version, stop using the affected service and contact LIORA about your account.

A change will not retroactively remove rights that have already accrued except where permitted by law or agreed in the applicable programme documents.

27. Dispute Resolution and Governing Law

If you have a concern, contact LIORA through an official support channel first and describe the issue and the outcome you are seeking. The parties may try to resolve the concern informally, but this does not prevent either party from using rights or remedies available under applicable law.

The laws and mandatory consumer protections applicable to the parties govern these Terms. A dispute may be brought before a court or tribunal with jurisdiction under those laws. Nothing in this section waives a right to bring a claim in a forum where applicable law requires that option.

Nothing in these Terms creates an arbitration requirement or selects an exclusive court venue.

28. Contact and Official Support Channels

For account assistance or questions about these Terms, contact LIORA through the official channels below. Do not send passwords, verification codes or full card details.

29. Acknowledgement

By using LIORA after the final Terms are published, you acknowledge that you have had an opportunity to read them and agree to the version that applies to your use, subject to applicable law. These Terms do not create a shareholding, dividend, guaranteed income, refund entitlement or other right unless a valid separate document expressly provides for it.

These Terms apply to your use of the LIORA Platform from the Last Updated date shown above, subject to applicable law and any specific written agreement that governs a separate programme.