These Terms of Use (“Terms”) govern your access to and use of the services offered by Innova Securities Limited, including our website, app, trading platform, and customer support channels. By using any part of our services, you agree to these Terms.

1. Who We Are

Innova Securities Limited is a licensed broker-dealer regulated by the Securities and Exchange Commission (SEC) Nigeria. We provide access to investments such as stocks, bonds, mutual funds, commodities, commercial papers, and ETFs, through a tech-first platform.

We operate independently but are affiliated with Trove Technologies Ltd, which owns the popular Trove app, a digital investment product powered by Innova.

2. Eligibility

To use our services, you must:

• Be at least 18 years old
  
  
• Be legally capable of entering into binding contracts
  
  
• Provide accurate, complete registration information
  
  

3. Account Usage

You agree to:

• Maintain only one user account unless otherwise approved
  
  
• Provide true and updated KYC details
  
  
• Be responsible for all activity under your login
  
  
• Secure your password and PIN
  
  

Innova may restrict or suspend access if you are found in breach of these Terms or if required by law.

4. Permitted Activities

You may:

• Access and manage investments on the platform
  
  
• View real-time market data (where available)
  
  
• Execute trades
  
  
• Fund and withdraw from your account via linked bank accounts
  
  

You may not:

• Attempt to reverse-engineer or scrape the platform
  
  
• Use our platform for any fraudulent, speculative, or exploitative behavior
  
  
• Use our name or brand to mislead others without consent
  
  

5. Fees & Charges

We may charge:

• Brokerage fees per trade
  
  
• Withdrawal or account maintenance fees
  
  
• Custodial or regulatory pass-through costs
  
  

All fees are transparently disclosed before transaction execution.

6. Investment Risks

Investing in financial securities involves risks. Prices can rise or fall. Past performance is not indicative of future results. Refer to our Risk Disclosure.

7. Termination

We reserve the right to suspend or terminate access to any user for violations, fraud, or inactivity. Users may request account closure at any time by contacting support.

8. Intellectual Property

All trademarks, content, code, and platform infrastructure are the property of Innova Securities Ltd or its licensors.