Terms of Use
Effective Date: Jan 1st, 2025
1. Introduction
Welcome to ntloss.com (the "Site"). This Site is owned and operated by New Trend Loss Adjusters Limited ("Company," "we," "us," or "our"), a loss adjusting firm registered and operating in Nigeria.
These Terms of Use ("Terms") govern your access to and use of the Site and its content, features, and services (collectively, the "Services"). Please read these Terms carefully. By accessing or using the Site, you signify that you have read, understand, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.
2. Scope of Service
The Site provides information about our loss adjusting services, the insurance industry, our company, and related topics. The information provided on this Site is for general informational purposes only.
3. No Professional Advice
The content on this Site, including articles, blog posts, descriptions of services, and any other materials, is provided for informational purposes only. It does not constitute, and should not be relied upon as, insurance advice, financial advice, legal advice, or any other form of professional advice. You should consult with a qualified professional for advice tailored to your specific situation before making any decisions based on information obtained from this Site. Accessing or using this Site does not create a client relationship between you and the Company.
4. Intellectual Property Rights
All content on the Site, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, and the compilation thereof (collectively, the "Content") is the property of the Company, its affiliates, partners, or licensors, and is protected by Nigerian and international copyright laws and other intellectual property laws.
The trademarks, logos, and service marks displayed on the Site (collectively, the "Trademarks") are the registered and unregistered marks of the Company, its affiliates, partners, or licensors, in Nigeria and other countries, and are protected by Nigerian and international trademark laws.
You are granted a limited, revocable, and non-exclusive license to access and make personal, non-commercial use of the Site. You may not frame or utilize framing techniques to enclose any Trademark, logo, or other proprietary information (including images, text, page layout, or form) of the Company without express written consent. You may not use any meta tags or any other "hidden text" utilizing our name or Trademarks without our express written consent. Any unauthorized use terminates the permission or license granted by us.
5. User Conduct and Responsibilities
You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. Prohibited behavior includes:
- Using the Site in any way that breaches any applicable local, national, or international law or regulation.
- Using the Site in any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
- Transmitting, or procuring the sending of, any unsolicited or unauthorized advertising or promotional material (spam).
- Knowingly transmitting any data, sending or uploading any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware, or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
- Attempting to gain unauthorized access to the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site.
- Reproducing, duplicating, copying, or re-selling any part of the Site in contravention of these Terms.
6. Disclaimers
THE SITE AND ITS CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
THE COMPANY DOES NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
THE COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE CONTENT ON THE SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, TIMELINESS, OR OTHERWISE.
7. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE NIGERIAN LAW, IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:
- (i) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SITE;
- (ii) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SITE;
- (iii) ANY CONTENT OBTAINED FROM THE SITE; AND
- (iv) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT,
WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.
8. Indemnification
You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees, agents, and affiliates, from and against any claims, actions, demands, liabilities, damages, costs, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Site or your breach of these Terms.
9. Privacy Policy
Your use of the Site is also subject to our Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection, use, and disclosure practices in compliance with the Nigeria Data Protection Act (NDPA) 2023 and other relevant regulations.
10. Third-Party Links
The Site may contain links to third-party websites or services that are not owned or controlled by the Company. The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
11. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.
You agree that any legal action or proceeding arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the competent courts located in Nigeria, and you hereby consent to the jurisdiction and venue of such courts.
12. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide reasonable notice prior to any new terms taking effect, which may include posting the updated Terms on the Site. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use our Site after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Site. It is your responsibility to check these Terms periodically for changes.
13. Termination
We may terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Site will immediately cease.
14. Severability
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.
15. Entire Agreement
These Terms constitute the entire agreement between you and the Company regarding our Site and supersede and replace any prior agreements we might have had between us regarding the Site.
16. Contact Us
If you have any questions about these Terms, please contact us at:
New Trend Loss Adjusters Limited
legal@nttloss.com
