<?php

/* =========================================================
   COMPLETE BLISS - TERMS & CONDITIONS
========================================================= */

require_once __DIR__ . '/config/database.php';


/* =========================================================
   BUSINESS SETTINGS
========================================================= */

$business = [
    'company_name'     => 'Complete Bliss Solutions',
    'support_phone'    => '',
    'support_email'    => '',
    'support_whatsapp' => ''
];


try {

    $statement = $pdo->query(
        "
        SELECT
            company_name,
            support_phone,
            support_email,
            support_whatsapp
        FROM settings
        LIMIT 1
        "
    );


    $settings = $statement->fetch(PDO::FETCH_ASSOC);


    if ($settings) {

        $business = array_merge(
            $business,
            $settings
        );

    }

} catch (PDOException $e) {

    /* Use fallback values */

}


$companyName =
    !empty($business['company_name'])
        ? $business['company_name']
        : 'Complete Bliss Solutions';



        $pageTitle =
    'Terms & Conditions | Complete Bliss Solutions';

$pageDescription =
    'Read the Terms & Conditions governing the use of Complete Bliss Solutions, including member accounts, contributions, wallet funding, defaults and scheme participation.';

$pageKeywords =
    'Complete Bliss terms, terms and conditions, contribution scheme terms, savings platform terms';

$pageRobots =
    'index, follow';

    
require_once
    __DIR__ .
    '/public-site/includes/header.php';


require_once
    __DIR__ .
    '/public-site/includes/navbar.php';

?>


<main>


    <!-- =====================================================
         HERO
    ====================================================== -->

    <section class="cbx-legal-hero">

        <div class="cbx-container">


            <div class="cbx-legal-hero-content">


                <span class="cbx-legal-eyebrow">

                    <i class="fa-solid fa-file-contract"></i>

                    LEGAL INFORMATION

                </span>


                <h1>
                    Terms & Conditions
                </h1>


                <p>
                    These terms explain the rules that apply when
                    you create an account, fund your wallet,
                    participate in schemes or otherwise use
                    <?= htmlspecialchars($companyName) ?>.
                </p>


                <div class="cbx-legal-meta">

                    <span>

                        <i class="fa-regular fa-calendar"></i>

                        Effective:
                        24 August 2026

                    </span>


                    <span>

                        <i class="fa-solid fa-shield-halved"></i>

                        Member & Platform Terms

                    </span>

                </div>


            </div>


        </div>

    </section>



    <!-- =====================================================
         LEGAL CONTENT
    ====================================================== -->

    <section class="cbx-legal-section">

        <div class="cbx-container">


            <div class="cbx-legal-layout">


                <!-- =========================================
                     SIDE NAVIGATION
                ========================================== -->

                <aside class="cbx-legal-sidebar">


                    <div class="cbx-legal-sidebar-card">


                        <span>
                            ON THIS PAGE
                        </span>


                        <a href="#acceptance">
                            1. Acceptance
                        </a>

                        <a href="#eligibility">
                            2. Eligibility
                        </a>

                        <a href="#accounts">
                            3. Member Accounts
                        </a>

                        <a href="#wallet">
                            4. Wallet Funding
                        </a>

                        <a href="#schemes">
                            5. Schemes & Hands
                        </a>

                        <a href="#contributions">
                            6. Contributions
                        </a>

                        <a href="#defaults">
                            7. Missed Contributions
                        </a>

                        <a href="#payments">
                            8. Payments
                        </a>

                        <a href="#clearance">
                            9. Scheme Completion
                        </a>

                        <a href="#refunds">
                            10. Refunds & Withdrawals
                        </a>

                        <a href="#responsibilities">
                            11. Member Responsibilities
                        </a>

                        <a href="#suspension">
                            12. Suspension
                        </a>

                        <a href="#liability">
                            13. Liability
                        </a>

                        <a href="#changes">
                            14. Changes
                        </a>

                        <a href="#contact">
                            15. Contact
                        </a>


                    </div>


                </aside>



                <!-- =========================================
                     CONTENT
                ========================================== -->

                <div class="cbx-legal-content">


                    <!-- INTRO -->

                    <div class="cbx-legal-intro">

                        <div>

                            <i class="fa-solid fa-circle-info"></i>

                        </div>


                        <p>
                            Please read these Terms & Conditions
                            carefully before using Complete Bliss.
                            By registering for an account or using
                            the platform, you agree to be bound by
                            these terms.
                        </p>

                    </div>



                    <!-- 1 -->

                    <article
                        class="cbx-legal-block"
                        id="acceptance"
                    >

                        <span>
                            SECTION 01
                        </span>


                        <h2>
                            Acceptance of these Terms
                        </h2>


                        <p>
                            These Terms & Conditions govern your
                            access to and use of
                            <?= htmlspecialchars($companyName) ?>,
                            including the website, member dashboard,
                            wallet, contribution schemes and related
                            services.
                        </p>


                        <p>
                            By creating an account or continuing to
                            use the platform, you confirm that you
                            have read, understood and accepted these
                            terms.
                        </p>

                    </article>



                    <!-- 2 -->

                    <article
                        class="cbx-legal-block"
                        id="eligibility"
                    >

                        <span>
                            SECTION 02
                        </span>


                        <h2>
                            Eligibility
                        </h2>


                        <p>
                            Members must provide accurate and
                            verifiable information during
                            registration and whenever additional
                            verification is required.
                        </p>


                        <p>
                            Complete Bliss may request additional
                            information to verify identity, process
                            payments, activate payment features or
                            meet regulatory, banking or payment
                            provider requirements.
                        </p>

                    </article>



                    <!-- 3 -->

                    <article
                        class="cbx-legal-block"
                        id="accounts"
                    >

                        <span>
                            SECTION 03
                        </span>


                        <h2>
                            Member Accounts
                        </h2>


                        <p>
                            Each member is responsible for maintaining
                            the confidentiality of their account
                            credentials and for activities performed
                            through their account.
                        </p>


                        <ul>

                            <li>
                                Provide correct registration
                                information.
                            </li>

                            <li>
                                Keep your password and recovery
                                information secure.
                            </li>

                            <li>
                                Inform Complete Bliss promptly if you
                                suspect unauthorized access.
                            </li>

                            <li>
                                Do not allow another person to
                                impersonate you or use your account
                                fraudulently.
                            </li>

                        </ul>

                    </article>



                    <!-- 4 -->

                    <article
                        class="cbx-legal-block"
                        id="wallet"
                    >

                        <span>
                            SECTION 04
                        </span>


                        <h2>
                            Complete Bliss Wallet
                        </h2>


                        <p>
                            Members may fund their Complete Bliss
                            wallet through payment methods made
                            available on the platform.
                        </p>


                        <p>
                            The wallet balance represents funds
                            recorded by Complete Bliss for use within
                            the platform, including participation in
                            eligible contribution schemes.
                        </p>


                        <div class="cbx-legal-highlight">

                            <i class="fa-solid fa-wallet"></i>

                            <p>
                                A displayed wallet balance is an
                                internal platform record. Payment
                                providers and settlement banks may
                                separately process the underlying
                                real-world funds.
                            </p>

                        </div>


                        <p>
                            Members are responsible for ensuring that
                            sufficient wallet funds are available
                            before scheduled contributions become due.
                        </p>

                    </article>



                    <!-- 5 -->

                    <article
                        class="cbx-legal-block"
                        id="schemes"
                    >

                        <span>
                            SECTION 05
                        </span>


                        <h2>
                            Schemes and Hands
                        </h2>


                        <p>
                            Complete Bliss may offer different schemes
                            with their own contribution amount,
                            frequency, duration, start period,
                            benefits and package details.
                        </p>


                        <p>
                            A member may be permitted to join a scheme
                            with one or more <strong>hands</strong>.
                            The number of hands selected determines
                            the member's contribution obligation for
                            that scheme.
                        </p>


                        <div class="cbx-legal-example">

                            <span>
                                EXAMPLE
                            </span>


                            <p>
                                If a scheme requires ₦10,000 per hand
                                and a member selects 2 hands, the
                                scheduled contribution for that period
                                will be ₦20,000.
                            </p>

                        </div>


                        <p>
                            Members should review scheme information
                            carefully before joining.
                        </p>

                    </article>



                    <!-- 6 -->

                    <article
                        class="cbx-legal-block"
                        id="contributions"
                    >

                        <span>
                            SECTION 06
                        </span>


                        <h2>
                            Scheduled Contributions
                        </h2>


                        <p>
                            When a member joins a scheme, the first
                            required contribution may be deducted
                            immediately from the member's wallet.
                        </p>


                        <p>
                            Subsequent contributions are processed
                            according to the scheme's configured
                            schedule, which may be daily, weekly,
                            monthly or yearly.
                        </p>


                        <p>
                            Members authorize Complete Bliss to deduct
                            eligible scheduled contributions from
                            their available wallet balance in
                            accordance with the scheme they have
                            joined.
                        </p>


                        <p>
                            If the wallet balance is insufficient,
                            the contribution may remain outstanding
                            until sufficient funds become available.
                        </p>

                    </article>



                    <!-- 7 -->

                    <article
                        class="cbx-legal-block"
                        id="defaults"
                    >

                        <span>
                            SECTION 07
                        </span>


                        <h2>
                            Missed Contributions and Defaults
                        </h2>


                        <p>
                            A contribution that is not successfully
                            paid within the applicable contribution
                            period or grace period may be recorded as
                            a missed contribution.
                        </p>


                        <p>
                            Complete Bliss may apply a default charge
                            to each missed contribution period in
                            accordance with the current platform
                            settings or scheme rules.
                        </p>


                        <div class="cbx-legal-highlight warning">

                            <i class="fa-solid fa-triangle-exclamation"></i>

                            <p>
                                A default charge does not replace the
                                original contribution. The missed
                                contribution remains outstanding until
                                it is paid.
                            </p>

                        </div>


                        <p>
                            Default obligations may accumulate where
                            multiple contribution periods are missed.
                        </p>

                    </article>



                    <!-- 8 -->

                    <article
                        class="cbx-legal-block"
                        id="payments"
                    >

                        <span>
                            SECTION 08
                        </span>


                        <h2>
                            Payments and Payment Providers
                        </h2>


                        <p>
                            Complete Bliss may use banks, payment
                            gateways, virtual-account providers and
                            other authorized payment service providers
                            to collect or process payments.
                        </p>


                        <p>
                            Where a member is provided with a
                            dedicated payment account, that account
                            may be used to identify payments belonging
                            to that member.
                        </p>


                        <p>
                            Payment processing may be subject to the
                            payment provider's own terms, identity
                            verification requirements, service
                            availability and transaction charges.
                        </p>


                        <p>
                            Complete Bliss will only credit confirmed
                            payments after successful verification
                            through the applicable payment channel.
                        </p>

                    </article>



                    <!-- 9 -->

                    <article
                        class="cbx-legal-block"
                        id="clearance"
                    >

                        <span>
                            SECTION 09
                        </span>


                        <h2>
                            Scheme Completion and Clearance
                        </h2>


                        <p>
                            Completing the calendar duration of a
                            scheme does not automatically mean that
                            all member obligations have been settled.
                        </p>


                        <p>
                            Where applicable, a member must complete
                            all outstanding contribution obligations
                            and settle unpaid defaults before final
                            scheme clearance can be completed.
                        </p>


                        <p>
                            Clearance may only be completed after the
                            relevant scheme has ended and all required
                            conditions have been satisfied.
                        </p>

                    </article>



                    <!-- 10 -->

                    <article
                        class="cbx-legal-block"
                        id="refunds"
                    >

                        <span>
                            SECTION 10
                        </span>


                        <h2>
                            Refunds, Reversals and Withdrawals
                        </h2>


                        <p>
                            Wallet funding is primarily intended for
                            participation in Complete Bliss schemes.
                            The existence of a wallet balance does not
                            automatically create a right to immediate
                            cash withdrawal.
                        </p>


                        <p>
                            Refunds, transaction reversals or
                            withdrawals, where available, are subject
                            to the applicable Complete Bliss policy,
                            the status of the member's scheme
                            obligations, payment-provider rules and
                            applicable law.
                        </p>


                        <p>
                            Complete Bliss may require additional
                            verification before processing a refund,
                            reversal or approved withdrawal.
                        </p>

                    </article>



                    <!-- 11 -->

                    <article
                        class="cbx-legal-block"
                        id="responsibilities"
                    >

                        <span>
                            SECTION 11
                        </span>


                        <h2>
                            Member Responsibilities
                        </h2>


                        <p>
                            Members agree to use Complete Bliss in a
                            lawful and responsible manner.
                        </p>


                        <ul>

                            <li>
                                Do not submit false payment evidence.
                            </li>

                            <li>
                                Do not attempt to manipulate wallet
                                balances or contribution records.
                            </li>

                            <li>
                                Do not exploit technical faults or
                                security weaknesses.
                            </li>

                            <li>
                                Do not use another person's payment or
                                identity information without lawful
                                authorization.
                            </li>

                            <li>
                                Keep personal and contact information
                                reasonably up to date.
                            </li>

                        </ul>

                    </article>



                    <!-- 12 -->

                    <article
                        class="cbx-legal-block"
                        id="suspension"
                    >

                        <span>
                            SECTION 12
                        </span>


                        <h2>
                            Account Suspension or Restriction
                        </h2>


                        <p>
                            Complete Bliss may suspend, restrict or
                            investigate an account where there is
                            suspected fraud, misuse, false information,
                            security risk, payment dispute, breach of
                            these terms or another legitimate business
                            or legal reason.
                        </p>


                        <p>
                            Where appropriate, the member may be
                            required to complete additional
                            verification before access is restored.
                        </p>

                    </article>



                    <!-- 13 -->

                    <article
                        class="cbx-legal-block"
                        id="liability"
                    >

                        <span>
                            SECTION 13
                        </span>


                        <h2>
                            Service Availability and Liability
                        </h2>


                        <p>
                            Complete Bliss will make reasonable efforts
                            to keep the platform available and records
                            accurate. However, temporary interruptions
                            may occur because of maintenance, internet
                            connectivity, banking networks, payment
                            providers or other technical issues.
                        </p>


                        <p>
                            Complete Bliss is not responsible for
                            delays caused solely by external banking
                            or payment networks beyond its reasonable
                            control, although reasonable efforts may
                            be made to reconcile confirmed
                            transactions.
                        </p>


                        <p>
                            Nothing in these terms excludes any right
                            or protection that cannot legally be
                            excluded under applicable law.
                        </p>

                    </article>



                    <!-- 14 -->

                    <article
                        class="cbx-legal-block"
                        id="changes"
                    >

                        <span>
                            SECTION 14
                        </span>


                        <h2>
                            Changes to these Terms
                        </h2>


                        <p>
                            Complete Bliss may update these Terms &
                            Conditions when services, payment methods,
                            scheme rules, legal requirements or
                            business processes change.
                        </p>


                        <p>
                            Where a material change affects members,
                            reasonable efforts may be made to provide
                            notice through the website, member
                            dashboard, email, notification or another
                            available communication channel.
                        </p>

                    </article>



                    <!-- 15 -->

                    <article
                        class="cbx-legal-block"
                        id="contact"
                    >

                        <span>
                            SECTION 15
                        </span>


                        <h2>
                            Questions and Support
                        </h2>


                        <p>
                            If you have questions about these Terms &
                            Conditions or your Complete Bliss account,
                            contact our support team.
                        </p>



                        <div class="cbx-legal-contact-grid">


                            <?php if (!empty($business['support_phone'])): ?>

                                <div>

                                    <i class="fa-solid fa-phone"></i>

                                    <span>

                                        <small>
                                            PHONE
                                        </small>

                                        <strong>

                                            <?= htmlspecialchars(
                                                $business['support_phone']
                                            ) ?>

                                        </strong>

                                    </span>

                                </div>

                            <?php endif; ?>



                            <?php if (!empty($business['support_email'])): ?>

                                <div>

                                    <i class="fa-solid fa-envelope"></i>

                                    <span>

                                        <small>
                                            EMAIL
                                        </small>

                                        <strong>

                                            <?= htmlspecialchars(
                                                $business['support_email']
                                            ) ?>

                                        </strong>

                                    </span>

                                </div>

                            <?php endif; ?>


                        </div>


                    </article>



                    <!-- FINAL -->

                    <div class="cbx-legal-final">


                        <i class="fa-solid fa-check-circle"></i>


                        <div>

                            <h3>
                                By using Complete Bliss
                            </h3>


                            <p>
                                You acknowledge that you have read
                                and agreed to these Terms &
                                Conditions.
                            </p>

                        </div>


                    </div>


                </div>


            </div>


        </div>

    </section>


</main>


<?php

require_once
    __DIR__ .
    '/public-site/includes/footer.php';

?>