1import{u as n,j as e,L as o}from"./vendor-runtime-BxB5la5H.js";import{S as i}from"./SiteFooter-BFRCJQqd.js";import{S as l}from"./SiteHeader-cKNhvJlP.js";import{B as c}from"./badge-DJIdID-U.js";import{K as d,b5 as p,a6 as u,n as m}from"./vendor-ui-1xp-6bEd.js";import"./index-8U-5sDyd.js";import"./vendor-data-mtWVhG3z.js";const r={"/terms":{eyebrow:"Working legal draft",title:"Terms of Use",summary:"These terms describe how customers use SavePadiâs savings and product-ordering services.",sections:[{heading:"Using SavePadi",body:"You must provide accurate account and transfer information, keep access to your account secure, and use the platform only for lawful purposes. SavePadi may pause or restrict access where account activity appears inaccurate, unsafe, or inconsistent with these terms."},{heading:"Savings plans",body:"A savings plan is created for a selected product and has a maximum tenure of six months. Its product price is locked for the selected tenure plus a 14-day grace period, subject to the plan terms shown at checkout. Bank-transfer contributions are credited only after confirmation."},{heading:"Product fulfilment",body:"When a plan reaches its confirmed target, SavePadi will coordinate the next fulfilment step with the relevant merchant or fulfilment partner. Availability, delivery timing, installation scope, and warranty information are confirmed for the selected product before fulfilment."},{heading:"Changes and contact",body:"SavePadi may update these terms as the service evolves. Material updates will be presented through the platform or a reasonable notice channel. For account or plan questions, contact SavePadi through in-app support."}]},"/privacy":{eyebrow:"Working legal draft",title:"Privacy Notice",summary:"This notice explains how SavePadi handles information used to operate your account and savings plan.",sections:[{heading:"Information we use",body:"We use account information, product selections, plan details, transfer references, support messages, and device or usage information needed to operate, protect, and improve the platform."},{heading:"Why we use it",body:"Information is used to authenticate customers, create and administer savings plans, reconcile transfer records, provide support, prevent misuse, meet applicable legal obligations, and communicate important service updates."},{heading:"Sharing and retention",body:"Information is shared only with service providers and partners that help deliver the platform, fulfil orders, comply with legal requirements, or protect customers and SavePadi. Information is retained only for as long as reasonably needed for these purposes and applicable recordkeeping obligations."},{heading:"Your choices",body:"You may request access to, correction of, or deletion of eligible personal information through SavePadi support. Some records may need to be retained where required for fraud prevention, reconciliation, or legal compliance."}]},"/refund-policy":{eyebrow:"Working legal draft",title:"Refund Policy",summary:"This policy explains the withdrawal and fulfilment-refund process for a SavePadi savings plan.",sections:[{heading:"Requesting a withdrawal",body:"You may submit a refund request from an active plan. Before you confirm, SavePadi shows your confirmed saved balance, the disclosed 5% voluntary-cancellation processing fee, and the proposed net refund for operations review."},{heading:"Voluntary early cancellation",body:"For the current pilot, a single 5% processing fee applies when you voluntarily cancel an active savings plan. The fee is calculated only from your confirmed saved balance and is shown before you submit your request."},{heading:"Fulfilment issues",body:"If a paid-up product cannot be fulfilled by SavePadi or the merchant as agreed, the customer is eligible for a full refund of their confirmed saved balance with no processing fee. SavePadi may first discuss a verified replacement or available alternative with the customer."},{heading:"Review and timing",body:"Refund requests are reviewed by the SavePadi operations team. You will see the request status in your account and may be asked for information necessary to validate the destination account and protect against fraud."}]},"/no-interest":{eyebrow:"Working legal draft",title:"No-Interest and Growth Bonus Disclosure",summary:"SavePadi is a save-to-own platform. Its current pilot has no active Growth Bonus, treasury placement, or Saver return programme.",sections:[{heading:"1. SavePadi is not a bank and does not pay interest",body:"SavePadi is a save-to-own platform, not a deposit-taking bank or an interest-bearing savings product. We do not offer, promise, or guarantee a fixed or variable interest rate on a Saverâs plan balance. Contributions are credited only after the applicable bank-transfer reconciliation process confirms them."},{heading:"2. Growth Bonus is not currently available",body:"Growth Bonus is not active in the current pilot. SavePadi is not placing Saver funds into treasury instruments, calculating returns, allocating yield, or crediting Growth Bonus amounts to Saver wallets or plans. It must not be relied on when choosing a product or savings plan."},{heading:"3. A future programme would be separate and conditional",body:"If SavePadi considers a future Growth Bonus programme, it will first require an approved treasury structure, applicable licensed-partner arrangements, operational controls, customer disclosures, and qualified Nigerian legal review. Any future benef
1it would need its own terms and would not be presented as guaranteed or as bank interest."},{heading:"4. What the current pilot offers",body:"The current pilot offers a route to save toward the displayed product price. Plans use a fixed 3- or 6-month tenure and include the price-lock terms shown when a Saver starts a plan. No interest is charged on the savings-plan balance. The 5% voluntary-cancellation processing fee and any fulfilment-refund terms are shown in the relevant plan and refund flow."},{heading:"5. Questions",body:"If this disclosure is unclear, contact [email protected] or use in-app support before starting a plan. Please review the final plan terms carefully; this working draft is not a substitute for the regulated or legal disclosures SavePadi may need before a future programme is launched."}]}};function w(){const[s]=n(),a=r[s]??r["/terms"];return e.jsxs("div",{"data-loc":"client/src/pages/Legal.tsx:55",className:"min-h-screen bg-background",children:[e.jsx(l,{"data-loc":"client/src/pages/Legal.tsx:56"}),e.jsxs("main",{"data-loc":"client/src/pages/Legal.tsx:57",className:"container max-w-4xl py-14 sm:py-20",children:[e.jsx(o,{"data-loc":"client/src/pages/Legal.tsx:58",href:"/",children:e.jsxs("span",{"data-loc":"client/src/pages/Legal.tsx:58",className:"inline-flex items-center gap-2 text-sm font-semibold text-primary hover:underline",children:[e.jsx(d,{"data-loc":"client/src/pages/Legal.tsx:58",className:"h-4 w-4"})," Back to SavePadi"]})}),e.jsxs("header",{"data-loc":"client/src/pages/Legal.tsx:59",className:"mt-8 rounded-3xl border border-primary/15 bg-primary/5 p-8 sm:p-12",children:[e.jsxs(c,{"data-loc":"client/src/pages/Legal.tsx:60",variant:"secondary",className:"gap-2 bg-primary/10 text-primary",children:[e.jsx(p,{"data-loc":"client/src/pages/Legal.tsx:60",className:"h-3.5 w-3.5"})," ",a.eyebrow]}),e.jsx("h1",{"data-loc":"client/src/pages/Legal.tsx:61",className:"mt-5 font-display text-4xl font-extrabold tracking-tight sm:text-5xl",children:a.title}),e.jsx("p",{"data-loc":"client/src/pages/Legal.tsx:62",className:"mt-5 max-w-2xl text-base leading-relaxed text-muted-foreground sm:text-lg",children:a.summary})]}),e.jsx("div",{"data-loc":"client/src/pages/Legal.tsx:64",className:"mt-8 rounded-2xl border border-amber-300/60 bg-amber-50 p-5 text-sm leading-relaxed text-amber-950",children:e.jsxs("div",{"data-loc":"client/src/pages/Legal.tsx:65",className:"flex gap-3",children:[e.jsx(u,{"data-loc":"client/src/pages/Legal.tsx:65",className:"mt-0.5 h-5 w-5 shrink-0"}),e.jsxs("p",{"data-loc":"client/src/pages/Legal.tsx:65",children:[e.jsx("strong",{"data-loc":"client/src/pages/Legal.tsx:65",children:"Review before public reliance."})," This policy text is an operational working draft. SavePadi should obtain qualified Nigerian legal review before relying on it in production."]})]})}),e.jsx("article",{"data-loc":"client/src/pages/Legal.tsx:67",className:"mt-10 space-y-9",children:a.sections.map(t=>e.jsxs("section",{"data-loc":"client/src/pages/Legal.tsx:69",className:"border-b border-border pb-8 last:border-b-0",children:[e.jsx("h2",{"data-loc":"client/src/pages/Legal.tsx:70",className:"font-display text-2xl font-bold",children:t.heading}),e.jsx("p",{"data-loc":"client/src/pages/Legal.tsx:71",className:"mt-3 text-sm leading-7 text-muted-foreground sm:text-base",children:t.body})]},t.heading))}),e.jsxs("section",{"data-loc":"client/src/pages/Legal.tsx:75",className:"mt-8 flex gap-3 rounded-2xl border border-border bg-card p-6 text-sm leading-relaxed text-muted-foreground",children:[e.jsx(m,{"data-loc":"client/src/pages/Legal.tsx:75",className:"h-5 w-5 shrink-0 text-primary"}),"For a plan-specific question, use the in-app support control so the SavePadi team can review your plan and contribution record."]})]}),e.jsx(i,{"data-loc":"client/src/pages/Legal.tsx:77"})]})}export{r as POLICIES,w as default};
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.