Terms and Conditions

Effective Date: December 02, 2025

These Terms and Conditions (“Terms”) govern your access to and use of the services provided by Momentum AdWorks LLC (“MA,” “we,” “us,” or “our”), a limited liability company registered in the Seychelles. By engaging our services, submitting an application, booking a discovery call, or making any payment to us, you (“Client,” “you,” or “your”) agree to be bound by these Terms. If you do not agree to these Terms, you must not use our services.

We reserve the right to update or modify these Terms at any time. We will notify you of material changes via email or through our website at https://momentumadworks.net/. Your continued use of our services after such changes constitutes your acceptance of the updated Terms.

1. Services

MA provides performance-driven digital advertising services specialized for fintech and financial services companies in English-speaking African markets (including but not limited to Kenya, Nigeria, Ghana, Uganda, Tanzania, Zambia, and South Africa). Our services are offered through two tiers:

  • Feed-to-Fortune Tier: Unlimited management of compliant ads on Facebook and Instagram, including feed, stories, reels, carousel, and retargeting; Meta Special Ad Category compliance; custom landing pages; monthly creative package (15 static ads + 5 UGC-style videos); dedicated media buyer; bi-weekly optimization calls; real-time dashboard with tracking (pixel, CAPI, offline conversions); and related bonuses as described on https://momentumadworks.net/the-fintech-feed-to-fortune/.
  • Growth Accelerator Tier: All features of the Feed-to-Fortune Tier, plus management of Google Ads (Search, PMAX, YouTube, Display, Remarketing); Google Financial Services compliance; 3 custom landing pages; monthly creative suite (20+ static ads + 8 UGC videos); dedicated senior media buyer; weekly strategy calls; email/SMS nurture sequences; quarterly CEO strategy sessions; and related bonuses as described on https://momentumadworks.net/.

Unlimited management means iterative campaign optimization within regular business hours and reasonable operational limits.

Services are provided on a monthly retainer basis and focus on compliant, conversion-focused campaigns. We do not manage or handle your ad spend budget; you are responsible for paying ad platforms (e.g., Meta, Google) directly. Services commence upon completion of onboarding, including payment of the first month’s retainer and setup of necessary tracking and compliance elements.

We may use third-party tools, freelancers, or subcontractors to deliver services, but we remain responsible for the overall quality and compliance.

2. Client Eligibility and Obligations

To qualify for our services, you must:

  • Be a fintech or financial services company (e.g., remittances, neobanks, savings apps, BNPL, lending, insurtech, payments) operating in English-speaking African markets.
  • Have a minimum monthly ad spend budget as specified for your tier ($1,000 for Feed-to-Fortune; $2,000 for Growth Accelerator).
  • Provide accurate information during the application and discovery process.
  • Maintain compliance with all applicable laws, regulations, and platform policies (e.g., Meta’s Special Ad Category, Google’s Financial Services policies).

Your obligations include:

  • Providing timely access to necessary accounts, assets (e.g., footage, branding guidelines), and data for campaign setup and optimization.
  • Managing and funding your ad spend directly with platforms; we will not access or control your payment methods for ad budgets.
  • Responding promptly to requests for approvals, feedback, or information (within 48 hours for standard requests).
  • Notifying us immediately of any changes in your business, compliance status, or ad account issues (e.g., bans or restrictions).
  • Ensuring all client-provided content (e.g., images, copy) complies with intellectual property laws and does not infringe third-party rights.

Failure to meet these obligations may result in delays, suspension of services, or termination without refund. 

If the client fails to provide requested assets within 14 days, or fails to communicate/provide feedback when requested within 14 days, all guarantees are void.

3. Payment Terms

  • Retainer Fees: Feed-to-Fortune: $1,999 USD per month; Growth Accelerator: $3,999 USD per month. Fees are due in advance on the first day of each month via Paystack.
  • Ad Spend: You are solely responsible for all ad spend costs, paid directly to platforms. We provide recommendations but do not guarantee specific spend levels or outcomes beyond our ROAS guarantees.
  • Taxes and Fees: All fees are exclusive of applicable taxes, duties, or transaction fees, which are your responsibility.
  • Late Payments: We reserve the right to suspend services for non-payment.
  • No Refunds for Partial Months: Except as provided in our guarantees (Section 4), retainers are non-refundable for partial months of service.

4. Performance Guarantees and Refunds

We stand behind our services with the following guarantees, measured via agreed tracking tools (e.g., pixel, CAPI, GA4, offline conversions for metrics like deposits, sign-ups, or funded loans):

  • Feed-to-Fortune Guarantee: Achieve a minimum 3× ROAS within 90 days from campaign launch. If not met, we will refund your last month’s retainer fee ($1,999) immediately and provide free campaign management and optimization for the next 3 months until the guarantee is achieved.
  • Growth Accelerator Guarantee: Achieve a minimum 4× ROAS within 90 days from campaign launch. If not met, we will refund your last month’s retainer fee ($3,999) immediately and provide free campaign management and optimization indefinitely until the guarantee is achieved.

Guarantees apply only if:

  • You maintain the minimum ad spend throughout the 90-day period.
  • All tracking setups are completed and accurate data is provided (e.g., offline conversions).
  • No external factors (e.g., platform policy changes, account bans due to your non-compliance, or force majeure) materially impact performance.
  • You approve campaigns and creatives within reasonable timelines.

ROAS is calculated as (Revenue Attributable to Ads) / (Ad Spend), based on mutually agreed attribution models. Disputes over measurements will be resolved in good faith, with us providing detailed reports. Guarantees do not cover ad spend costs, only our management fees.

5. Intellectual Property

  • Our IP: All strategies, creatives, landing pages, dashboards, and tools developed by us remain our intellectual property. You are granted a non-exclusive, revocable license to use them solely for your campaigns during the term of our engagement.
  • Your IP: You retain ownership of any content or data you provide. By providing it, you grant us a worldwide, royalty-free license to use, modify, and distribute it as needed to deliver services.
  • Deliverables: Upon full payment, you receive ownership of final creatives and landing pages created specifically for you, excluding any proprietary templates or tools.

6. Confidentiality

Both parties agree to treat all non-public information exchanged (e.g., business strategies, performance data) as confidential and not disclose it to third parties without written consent, except as required by law. This obligation survives termination for 2 years.

7. Limitation of Liability

To the fullest extent permitted by law, MA shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from our services, including but not limited to loss of profits, data, or business opportunities. Our total liability shall not exceed the fees paid by you in the 3 months preceding the claim.

We do not guarantee uninterrupted service or specific results beyond our stated guarantees. You acknowledge the inherent risks in digital advertising, including platform changes, algorithm updates, or regulatory shifts.

8. Indemnification

You agree to indemnify and hold harmless MA, its officers, employees, and agents from any claims, losses, or damages arising from: 

  1. Your breach of these Terms; 
  2. Your non-compliance with laws or platform policies; 
  3. Infringement of third-party rights by your content; or 
  4. Any ad account issues attributable to you.

9. Termination

  • By Either Party: Either party may terminate with 30 days’ written notice. You remain liable for fees during the notice period.
  • For Cause: We may terminate immediately if you breach these Terms (e.g., non-payment, non-compliance). You may terminate for our material breach after providing 10 days to cure.
  • Post-Termination: Upon termination, we will provide a final report and transition assistance at our discretion. Guarantees do not apply post-termination.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the Seychelles, without regard to conflict of laws principles. Any disputes shall be resolved exclusively through binding arbitration in the Seychelles under the rules of the Seychelles International Arbitration Centre. 

Arbitration may be conducted virtually unless parties agree otherwise. You waive any right to class actions or jury trials.

11. Force Majeure

Neither party shall be liable for delays or failures caused by events beyond reasonable control, including acts of God, wars, pandemics, platform outages, or regulatory changes.

12. Miscellaneous

  • Entire Agreement: These Terms, along with any signed contract, constitute the entire agreement and supersede prior understandings.
  • Severability: If any provision is invalid, the remainder remains enforceable.
  • Waiver: No waiver of any breach shall constitute a waiver of subsequent breaches.
  • Assignment: You may not assign these Terms without our consent; we may assign them freely.
  • Notices: Notices shall be sent via email to the addresses provided during onboarding.

For questions, contact us at administrator@momentumadworks.net

By using our services, you confirm you have read, understood, and agree to these Terms.