Terms Of Service

Acceptance Of Service

By continuously using or accessing our Services, you affirm that you have thoroughly read and comprehended these Terms and our Privacy Policy, and you consent to abide by them. Should you disagree with the Terms and our Privacy Policy, refrain from using or accessing our Services.

No Guarantee/Endorsement

Beyond Credit does not guarantee or endorse the accuracy or reliability of any content posted in any interactive area, and you acknowledge that relying on such content is solely at your own risk. Any content posted in an interactive area by users reflects the opinions of the user who posted it and not necessarily those of Beyond Credit.

Our Services may include links to websites on the internet operated and owned by third parties (now referred to as "External Sites"). You acknowledge that Beyond Credit is not responsible for the availability or content of any External Site. If you have concerns about such links or the content on External Sites, you should contact the site administrator or webmaster of those External Sites.

Modification Of Terms

We retain the exclusive authority to amend the Terms and our Privacy Policy without prior consent from you or notification to you. This arrangement imposes a contractual and legal obligation on you to regularly review the Terms and remain informed about its provisions. Should you continue to utilize the Services after such modifications, it will be considered as your consent to the updated Terms.

Ownership Of Intellectual Property

All content, encompassing designs, text, graphics, images, video messages, videos, information, software, music, software compilations, sounds, and other files, as well as their arrangement and selection (collectively referred to as the "Contents"), hosted on our websites and applications, are unequivocally the proprietary assets of Beyond Credit, with all associated rights reserved. Without the explicit written authorization of Beyond Credit, no segment of the Content may be altered, replicated, disseminated, framed, duplicated, republished, downloaded, exhibited, posted, transmitted, or traded in any format or by any means. Specifically, the republication of any Content on any Internet, Intranet, or Extranet platform, or its integration into any other compilation or database, is categorically prohibited, alongside any unauthorized utilization of the Content. Furthermore, any use of the Applications or their associated content beyond the parameters expressly delineated herein, in the absence of prior written consent from Beyond Credit, is strictly proscribed and will culminate in the immediate revocation of any right granted herein. Such unauthorized usage may also amount to a contravention of legislations, inclusive of laws on copyright and trademark, in addition to relevant communications regulations and Laws. It is expressly clarified within these Terms that no provision herein shall be construed as granting any license to intellectual property rights, whether by estoppel, implication, or otherwise.

Indeminification

You consent to Indemnify, protect, and absolve Beyond Credit as well as our subsidiaries, associated companies, partners, executives, administrators, representatives, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees from any allegation or request, including reasonable legal fees, raised by any third party due to or stemming from your violation of these Terms or any referenced document, or your infringement of any law or the rights of a third party. The individuals protected under this arrangement retain the right to take on the sole defense and management of any issue requiring indemnification or compensation from you, in which case you will assist in asserting any available defenses.

Disclaimer Of Warranties And Limitation Of Liability

The provision of Services and all associated information, content, materials, products (including software), and additional services provided to you by Beyond Credit are offered on an 'As is' and 'As available' basis, unless explicitly stated otherwise in written form. Beyond Credit does not provide any representation or warranties of any nature, whether express or implied, regarding the functioning of the Services or the information, content, materials, products (including Software), or additional services provided or made accessible, unless explicitly stated otherwise in written form. You explicitly acknowledge that your use of services and applications is entirely at your own risk.

To the maximum extent permitted by law, Beyond Credit renounces all warranties, whether express or implied, encompassing but not limited to implied warranties of merchantability and fitness for a specific purpose. Beyond Credit will not assume liability for any form of damages arising from the use of the Services, including but not restricted to direct, indirect, incidental, punitive, and consequential damages, unless explicitly stated otherwise in written form. Under no circumstances shall Beyond Credit, along with our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors, be held liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any nature, including but not limited to lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether founded in contract, tort (including negligence), strict liability, or otherwise, arising from your use of services or any procurement made using the services, or for any other claim associated in any manner with your use of services or any products.

Governing Law And Dispute Resolution

The terms herein, along with any distinct agreement under which we furnish you with Services (excluding all agreements made under the Secured Transactions in Movable Assets Act, 2017), shall be regulated by and interpreted in accordance with the Laws of the Federal Republic of Nigeria, without considering or enforcing any principles or conflict laws that advocate for the application of the law of another jurisdiction. Any disagreement, request, allegation, or legal grounds shall be resolved solely through binding and confidential arbitration. The arbitration proceedings shall occur in Lagos, Nigeria.