Terms of Use

Last updated 6 November 2026

1. About these terms

These terms are an agreement between you and Champions of Craft and Character Network Apprenticeship Mentorship Foundation, an incorporated trustee registered with the Corporate Affairs Commission under number 8998901, of 11 Olapeju Street, Mushin, Lagos State ("C-CUBE", "we", "us"). They apply when you use the C-CUBE mobile app and related websites (together, the "Service"). By creating an account or using the Service, you agree to them. If you do not agree, please do not use the Service.

Our Privacy Policy explains how we handle your personal data.

2. What C-CUBE is, and is not

C-CUBE helps Masters (artisans) and apprentices find each other and record the terms of an apprenticeship. We provide tools for milestones and certificates, collect the Master's instalments through our payment provider, hold them in a Graduation Fund with a banking partner, and pay them out under these terms.

• The training is between the Master and the apprentice. C-CUBE is not a party to it, is not the employer of any user, and does not supervise workshops or guarantee the quality of training, the conduct of any user, or a job at the end.
• C-CUBE is not a bank or an insurer. A Graduation Fund is not a savings or deposit account, does not earn interest for you, and is not covered by insurance or deposit protection unless we tell you otherwise.
• C-CUBE does not give legal, financial or employment advice. You are responsible for following the laws that apply to your trade and workshop, including safety rules.

3. Who can use C-CUBE

• Apprentices must be between 18 and 35 years old when they sign up. Masters must be at least 18.
• You must be able to enter into a binding agreement, and use the Service in Nigeria in line with Nigerian law.
• You must not use the Service if we have banned you, or if the law prevents you from doing so.
• An apprentice may hold only one active apprenticeship per account, and each person may use only one account. Creating another account to get around this is a breach of these terms.

4. Your account

Give us accurate information and keep it up to date. Keep your password and your email inbox secure, because email codes approve new devices, password resets and some signatures. You are responsible for what happens under your account unless you have told us it was compromised. Tell us straight away at support@ccubenetwork.com if you suspect that it has been.

5. Master verification

A Master must have their trade evidence approved before they can publish listings, enter agreements or handle money on C-CUBE, and listings are subject to review. "Verified" means we have reviewed the evidence the Master gave us at a point in time. It is not an endorsement or a guarantee of skill or character, and it is not a check against any government identity database. Apprentices should use their own judgement, including visiting the workshop.

We show each Master's completed apprenticeships and a reputation score calculated by us. C-CUBE does not offer user-submitted ratings or reviews.

6. Agreeing terms

1. A Master and an apprentice connect through a listing, request or invitation.
2. One proposes a terms profile, which sets out things like the trade, workshop, duration, instalments, graduation payment, accommodation and milestones. The other can accept it or make a counter-offer.
3. Each of you signs in the app by typing your full name and giving your consent. Once you both sign, the apprenticeship begins on those terms.

What you sign is a plain summary of agreed terms, which we keep with a record of who signed and when. It is a commitment between the Master and the apprentice, and you should read it before you sign. The cost to the Master, including fees, is stated in the text you both sign. Changing workshop needs the Master's proposal and the apprentice's signature. If an invited apprentice brings prior service, that figure is as stated by the Master and accepted by the apprentice. We do not verify it.

7. Milestones and graduation

The apprentice submits each milestone in the app, with any evidence, and the Master approves it or sends it back. A Master should decide each submission honestly and promptly. Times recorded on our servers, rather than device clocks, are the official record.

When every milestone is approved and the fund holds the full graduation payment, the Master can confirm the apprentice's graduation. This completes the agreement, issues a certificate that anyone with its code can verify, and makes the graduation payment available to request. We may revoke a certificate issued in error or through fraud. A revoked certificate shows the reason for revocation when it is checked.

8. The Graduation Fund

• Each agreement has its own Graduation Fund. C-CUBE holds the money with a banking partner and records every movement on a ledger.
• The money is for the purposes set out in these terms and your agreement. It leaves the fund only as a payout under section 10, a correction of an error, or where the law requires.
• We are entitled to correct any mistaken credit or payment, and will keep a record of the correction.

9. Payments and fees

• How Masters pay. The first instalment is paid through a Paystack checkout. If you use a reusable card or direct debit, later instalments are charged automatically on the agreed date until the schedule ends or the agreement ends. If you pay by transfer or USSD, each later instalment gets its own checkout.
• Processing fee. The Master pays Paystack's fee on top of each instalment, so that the apprentice's fund receives the full amount. It is currently 1.5% plus ₦100, with the ₦100 waived on amounts under ₦2,500, and capped at ₦2,000 per payment. The exact amount of every payment and the total fees are shown before you sign. C-CUBE does not add a charge of its own to these amounts.
• Missed payments. If a payment is 14 days late, we pause the agreement and tell both of you. Training time continues to count, but graduation is blocked until the arrears are paid. Paying them resumes the agreement.
• Refunds and errors. If you were charged in error or twice, tell us at support@ccubenetwork.com and we will investigate and correct it. Instalments that were correctly paid into a fund are not otherwise refundable, and leave the fund only as a payout. Please raise a query with us before asking your bank for a chargeback.

10. Payouts

• At graduation, the apprentice can request the full graduation payment. If the fund holds more than that, the Master can request the surplus.
• Nothing is paid automatically. The recipient must tap "Request payment" in the app. Two different C-CUBE administrators then review the request, and the money is sent to the recipient's saved bank account.
• Timing. After an early ending, we review each request and pay it within 5 working days of the request, as your signed terms say. We aim to do the same at graduation. Banks may take longer, and we may need longer for a suspected error or fraud, or where the law requires it.
• Your bank details. You are responsible for giving us the correct account. A payout is complete when the bank confirms the transfer. If it fails, we will try again or ask you for new details.
• Unrequested money stays in the fund until requested. Please request it promptly and keep your contact details up to date.

11. Ending early

1. Either party can ask to end the apprenticeship in the app, signing with an emailed code. The other party can agree, also by signing, or refuse. The person who asked can withdraw the request until it is answered.
2. If a request is refused or goes unanswered, C-CUBE administrators may review it and either end the apprenticeship or reinstate it. Our record shows that the ending was decided by us rather than agreed.
3. When an apprenticeship ends, remaining instalments are cancelled and the fund is split. The apprentice's share is the following percentage of the graduation payment, up to what the fund holds, and the Master receives the rest:

   60% × (milestones approved ÷ total milestones) + 40% × (time served ÷ expected time)

   Prior service stated in the agreement counts towards the time part only. Milestones count for more because they measure what was learned, and time protects an apprentice whose Master has stopped approving milestones.
4. Each party requests their share in the app, and it is paid under section 10.

The app also shows both of you what the apprentice has earned so far under this formula.

12. Disputes and complaints

Either party can raise a dispute in the app. C-CUBE administrators will review it and may issue a warning, apply a reputation penalty, suspend or ban an account, or recommend that the apprenticeship end. A dispute outcome does not itself move money. Money moves only as a payout under these terms. Report urgent safety concerns in the app as "abuse or safety", which we review separately, and contact the police or emergency services if anyone is in immediate danger.

For complaints about the Service, email support@ccubenetwork.com. Nothing here limits your right to go to the Federal Competition and Consumer Protection Commission, the Nigeria Data Protection Commission, or the courts.

13. Content and conduct

We have no tolerance for objectionable content or abusive users. You are responsible for what you post, including profile details, photos, portfolio images, listings, evidence and dispute statements. You must not:

• post anything illegal, false, sexual, hateful, harassing, threatening, violent or defamatory, or anything that infringes someone else's rights;
• exploit, harass or endanger an apprentice or Master, or demand payment or favours outside what you agreed;
• impersonate anyone, submit forged evidence or certificates, or approve milestones you know were not achieved;
• use C-CUBE for fraud or money laundering, or to take a deal or payment off the platform in order to avoid these terms; or
• scrape the Service, interfere with its security, or try to access someone else's account or data.

Report content or behaviour to us by raising a dispute in the app or emailing support@ccubenetwork.com. We review reports promptly and may remove content and suspend or ban those responsible.

14. Our app and your content

We give you a personal, non-exclusive, non-transferable, revocable licence to use the app on devices you own or control for your own use of C-CUBE. The app, name, logo and content are ours or our licensors'. You must not copy, resell or reverse engineer them, except where the law allows.

You keep ownership of your content. You give us a non-exclusive, royalty-free licence to host, display and process it to run the Service, including showing the items you make public to other people. This licence ends when you remove the content or delete your account, except for records we must keep as described in our Privacy Policy.

15. Other services

Payments are handled by Paystack, and its terms also apply to payments you make. We are not responsible for other services we link to or that you use with C-CUBE, such as WhatsApp, your bank, or your mobile network.

16. Apple and Google

If you downloaded the app from the Apple App Store:

• These terms are between you and C-CUBE, not Apple. C-CUBE, not Apple, is responsible for the app and its content.
• Your licence is to use the app on Apple-branded products you own or control, as permitted by the Usage Rules in the App Store Terms of Service.
• Apple has no obligation to provide maintenance or support for the app. Contact support@ccubenetwork.com for support, or write to the address in section 1.
• If the app fails to meet an applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any. To the extent the law allows, Apple has no other warranty obligation for the app.
• C-CUBE, not Apple, is responsible for any claims about the app, including product liability, failure to meet legal or regulatory requirements, consumer protection, privacy or similar laws, and any third-party claim that the app or your use of it infringes intellectual property rights.
• You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and are not on any U.S. Government list of prohibited or restricted parties.
• You must follow any third-party terms that apply when you use the app, such as those of your mobile network.
• Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.

If you downloaded the app from Google Play, Google Play's terms also apply to your download. Google is not responsible for the app or its content.

17. Suspension and closing your account

We may suspend or close an account, or remove content, if we reasonably believe someone has broken these terms, broken the law, or put another person or the Service at risk. We will tell you why unless the law or safety prevents it. Suspension does not cancel money you are owed: anything due to you stays recorded in the fund, and we will explain how it will be handled.

You can stop using C-CUBE or delete your account at any time, once open agreements and money are resolved. Terms that by their nature should continue, including those on money, liability and governing law, continue after your account closes.

18. Warranties and liability

We work to keep the Service available and our records accurate, but we provide it "as is" and cannot promise it will always be uninterrupted or error-free. To the extent the law allows, we exclude warranties that are not stated in these terms.

To the extent the law allows, C-CUBE is not liable for the acts or omissions of Masters and apprentices, including the quality or safety of training; for indirect or consequential loss; or for loss of profit or opportunity. Our total liability for other claims is limited to the greater of the fees you have paid through the Service in the 12 months before the claim, and ₦100,000.

These limits do not reduce our responsibility to account for and pay out money held in a Graduation Fund under these terms, or any liability the law does not allow us to limit, including for fraud, or for death or injury caused by negligence, and your rights under the Federal Competition and Consumer Protection Act 2018.

19. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria. Please contact us first so that we can try to resolve any problem. If we cannot, the Nigerian courts have jurisdiction over disputes under these terms, without limiting any right you have under consumer law.

20. Changes to these terms

We may change these terms to reflect changes to the Service or the law. We will update the date at the top of this page and notify you in the app or by email before a significant change takes effect. Continuing to use the Service after that means you accept the change. A change does not alter terms you have already signed with another party.

21. Contact us

Email support@ccubenetwork.com, or write to Champions of Craft and Character Network Apprenticeship Mentorship Foundation, 11 Olapeju Street, Mushin, Lagos State.