Terms of Service

Opinions.ng is a product operated by NeuroDev Labs Technologies(CAC Business Name No. 9430461) ("NeuroDev Labs", "we", "us"), a business registered in the Federal Republic of Nigeria. References to Opinions.ng, the platform, or the Service in these Terms mean Opinions.ng as operated by NeuroDev Labs.

Opinions.ng is a pari-mutuel event-prediction information market. Participants commit funds to express a forecast on the outcome of a real-world public event, and returns are determined by the distribution of forecasts across all participants — not by a counterparty house. We are not a sportsbook, casino, or licensed gaming operator. Pools are funded entirely by participants and distributed pro-rata among correct forecasts in accordance with the rules of each market.

Each market clearly states the resolution criteria and the source of truth that will be used to settle it. Resolution is final.

• You must be at least 18 years old and legally permitted to use event-prediction markets in your jurisdiction.
• You must provide accurate information at sign-up and during KYC.
• One account per person. Multiple accounts are grounds for permanent suspension and forfeiture of balance.
• Employees of NeuroDev Labs, their immediate family members, and individuals involved in market resolution may not participate in those markets.

Your account has two balances:

• Actual balance (tNGN) — funded by deposits and returns from correct forecasts. Withdrawable to any Nigerian bank account once KYC is complete.
• Bonus balance — promotional credits awarded for sign-up, referrals, protection refunds and promotional events. Bonus balance is not withdrawable until the applicable rollover requirement has been met.

We reserve the right to delay withdrawals exceeding ₦500,000 by up to 24 hours for security review, and to require additional KYC for unusually large flows.

Opinions.ng may apply service fees in connection with operating the platform and settling markets. Any amount you receive — whether a return on a correct forecast or a withdrawal to your bank — is the net figure shown to you at the relevant time, and you agree to that figure when you confirm the action. We may change our fee schedule from time to time; continued use of the platform constitutes acceptance of the current schedule.

Markets are resolved against the source of truth named on the market page. We make our best effort to resolve quickly and correctly. In the event of a clear oracle error, we may void and refund the affected market. Resolution decisions are final after the 48-hour dispute window has elapsed.

• Manipulating, coordinating or attempting to coordinate market resolution.
• Using bots, scripts or automated systems without our written permission.
• Exploiting bugs or vulnerabilities instead of reporting them to us.
• Money laundering, fraud, or any unlawful activity through the platform.
• Creating multiple accounts to abuse referral or promotional credits.

We may suspend or terminate accounts, void positions, and forfeit balances for any violation of these rules.

Taking positions on event-prediction markets involves financial risk. You may lose the full amount you commit to a forecast. Past results are not indicative of future outcomes. Only commit funds you can afford to lose. If you feel your engagement is becoming compulsive, please take a break and reach out to hello@opinions.ng.

Our handling of your personal data is governed by our Privacy Policy, which forms part of these Terms.

To the maximum extent permitted by law, Opinions.ng is provided on an "as is" basis. We make no warranty as to availability, accuracy or fitness for any particular purpose. Our aggregate liability to any user is capped at the amount that user has deposited in the prior 12 months. You agree to indemnify NeuroDev Labs against losses arising from your breach of these Terms.

We may update these Terms from time to time. Material changes will be notified via email or in-app banner, and you will be prompted to re-accept the updated Terms on your next sign-in.

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be resolved in the courts of Lagos State unless required otherwise by applicable law.

Questions or disputes: hello@opinions.ng