Terms of Service

1. Eligibility

You must be at least 18 years old or have the legal capacity to enter into contracts to use the Services. By using the Website, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate and complete.

2. Account Registration

Certain features or Services may require you to create an account. When registering, you agree to:

• Provide accurate, current, and complete information.
• Maintain the security of your account credentials and promptly notify us of any unauthorized access or use.
• Be responsible for all activities that occur under your account.

We reserve the right to suspend or terminate your account if we suspect fraudulent, abusive, or unlawful activity.

3. Use of the Services

a. Permitted Use

You may use the Services only for lawful purposes and in accordance with these Terms. You agree to:

• Use the Services in a manner consistent with their intended purpose.
• Comply with all applicable local, national, and international laws and regulations.

b. Prohibited Conduct

You agree not to:

• Use the Services for any illegal, harmful, or unauthorized purpose.
• Attempt to gain unauthorized access to the Website, other user accounts, or our systems.
• Upload, post, or transmit any content that is defamatory, obscene, discriminatory, or violates the rights of others.
• Interfere with or disrupt the operation of the Website, including by introducing viruses, malware, or other harmful code.
• Engage in any activity that could harm the reputation or operations of TOV Connect Ltd.

4. Intellectual Property

a. Ownership

All content, trademarks, logos, designs, and other materials on the Website (collectively, "Content") are owned by or licensed to TOV Connect Ltd and are protected by copyright, trademark, and other intellectual property laws.

b. Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Content solely for personal, non-commercial purposes, subject to these Terms. You may not reproduce, distribute, modify, or create derivative works of the Content without our prior written consent.

c. User-Generated Content

If you submit or post content to the Website (e.g., comments, reviews, or feedback), you grant us a worldwide, perpetual, royalty-free, and non-exclusive license to use, reproduce, modify, distribute, and display such content in connection with the Services. You represent that you have the right to grant this license and that your content does not violate these Terms or the rights of others.

5. Payments and Fees

Certain Services may require payment. You agree to:

• Provide accurate billing information and pay all applicable fees as described on the Website.
• Authorize us or our third-party payment processors to charge your chosen payment method.
• Be responsible for any taxes or additional charges associated with your use of the Services.

All payments are non-refundable unless otherwise stated in writing or required by law.

6. Third-Party Links and Services

The Website may contain links to third-party websites, services, or resources. These third parties are not under our control, and we are not responsible for their content, availability, or practices. Your use of third-party services is at your own risk, and you should review their terms and policies.

7. Termination

We may suspend or terminate your access to the Website or Services at our sole discretion, with or without notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Services will cease immediately, and any licenses granted under these Terms will be revoked. Sections 4, 8, 9, 10, and 11 will survive termination.

8. Disclaimer of Warranties

The Website and Services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not guarantee that the Services will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

9. Limitation of Liability

To the maximum extent permitted by law, TOV Connect Ltd, its affiliates, officers, directors, employees, or agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or use, arising out of or in connection with your use of the Website or Services, even if advised of the possibility of such damages. Our total liability to you for any claim arising under these Terms will not exceed the amount you paid us, if any, for the Services in the six (6) months prior to the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless TOV Connect Ltd, its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or in connection with your use of the Services, violation of these Terms, or infringement of any third-party rights.

11. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or the Services will be resolved exclusively in the courts located in Lagos, Nigeria. You agree to submit to the personal jurisdiction of such courts.

12. Changes to These Terms

We may modify these Terms at any time by posting the updated Terms on the Website with a revised "Last Updated" date. Your continued use of the Services after such changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.

13. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and TOV Connect Ltd regarding the Services.
• Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
• No Waiver: Our failure to enforce any right or provision of these Terms will not constitute a waiver of such right or provision.
• Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms without restriction.

14. Contact Us

If you have any questions, concerns, or feedback about these Terms, please contact us at: