These Terms and Conditions (the “Terms”) constitute an agreement between Parthian Pensions Limited (‘us’, ‘our’, ‘we’ ‘Company’ or ‘Parthian Pensions ’) and you (‘you’, ‘your’, or ‘user’) govern your use of our website, [•] and our mobile application (the “Platform”). Parthian Pensions is registered with the National Pension Commission as a Pension Fund Administrator. Please acknowledge and agree that you are entering into a legal agreement with us and have understood and agreed to abide with, and to be legally bound by these Terms. Where you do not agree with these Terms, please do not use the Platform and/or discontinue access to the Platform immediately. By accessing our Platform in any manner, you are indicating your consent to be bound by these Terms as an agreement between you and the Parthian Pensions. 

These Terms shall regulate our services, and access to our Platform and shall remain in effect until you discontinue your use of our services/access to the Platform.

INFORMATION AVAILABLE ON THE PLATFORM
Any service provided on this Website is for information purposes only and should not be construed in any circumstances as an offer or solicitation of an offer, or representation of any kind or form whatsoever. Nothing on this site should be treated as an offer but merely as an invitation to do business with us.
We may provide information from time to time on projected revenues, income, earnings per share, capital expenditures, dividends, capital structure or other financial items; plans, objectives and/or projections of the Company for future operations, including those relating to the services of the Company; or for future economic performance. Such projections are only estimates. Actual events or results may differ.
All information is provided “as is” and should not be treated as professional or investment advice of any kind. You should consult your own professional advisors before relying on any information on this site.

REVIEW OF TERMS
We may, at our sole discretion, review, revise and/or update these Terms. We, therefore, advise that you read through these Terms periodically.
We may also make some changes to the Terms immediately, without prior notice, if they are required by applicable laws and regulations; or relate to the addition of a new service or extra features to our services.

ACCESS TO THE PLATFORM
We will not be liable if for any reason all or any of our services are unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Platform, or the entire Platform, to users, including registered users.

We reserve the right to restrict your access, your access to and/or use of the Platform for the purpose of enabling us to carry out essential emergency and/or urgent maintenance. We will use reasonable commercial endeavors to provide you with reasonable advance notice of any scheduled non-emergency maintenance. We will resolve the unplanned downtime of the Platform as soon as it is reasonably practicable.

USER DUE DILIGENCE

You are responsible for:

1. Making all arrangements necessary for you to have access to our services.
2. Ensuring that all persons who access the Platform through your account are aware of these Terms and comply with them.
3. Keeping your account secure and for all activities on your account. 
4. Maintaining the confidentiality of your password and account.

You agree to immediately notify us of any unauthorised use of your account or breach of any other breach of security.

To access our services or some of our resources, you must accept these Terms, you must be 18 years old or above, and provide certain registration details or other information. All the information you provide must be correct, accurate, current, and complete. 

You must be registered with us to use our services. You acknowledge that you cannot share your account through which you access our services with another person or grant any other person access.

You acknowledge that we may not provide you with our services until we have received and verified all the information we require. We may decide whether to accept you based on the information we collect and verify. We will not be responsible for any loss arising out of your failure or delay in providing us with the information we require.

We reserve the right to restrain you from using any of our services after conducting due diligence on you and your business. Our due diligence process includes verification of information provided by you, and verification of your phone number, address, and email.

You agree that we reserve the right to request additional documents when there is a material change in the way you operate your account, your documentation process changes substantially, or we deem it fit that we lack sufficient information about you.

In the event of changes in any information provided to us, you are required to inform us within two (2) working days of such change.

You agree that all information you provide during your use of our service or otherwise is governed by our Privacy Policy.

You agree that we may make, directly or using a third party, any inquiries we believe are necessary to verify the information you provide to us. We may keep records of your due diligence checks in accordance with our Privacy Policy.

USER WARRANTIES
You hereby represent, warrant, and agree:

1. To provide true, accurate, current, and complete information about yourself and any other information as may be required by us;
2. To maintain and promptly amend all information to keep it true, accurate, current, and complete. You must update us from time to time of any material change; 
3. That you have full capacity, authority, and all necessary  permits, and consents to enter and exercise the rights, and perform your obligations under these Terms;
4. That your entry into and performance of these Terms do not conflict with or result in the breach of any applicable law or other restrictions or obligations that you are subject to.
5. That you will use our services only for lawful purposes and in compliance with these Terms;
6. That you will comply with all applicable laws in connection with these Terms and the performance of its obligations under the Terms; 
7. That you will not use our services, directly or indirectly, for any fraudulent undertaking or in any manner to interfere with the operation of our services; and
8. That you will not interfere with, disrupt, or cause any damage to the Platform and other users of the Platform.
9. You are solely responsible for any use of our services, and other features, you will use all reasonable endeavors to ensure that no unauthorized person will or could access our services or other features of the Platform.

RESTRICTIONS 
You agree not to:

1. to reproduce, duplicate, copy, sell, resell or exploit any portion of the Platform;
2. upload, post, email, transmit or otherwise make available any content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libellous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable through the Platform;
3. use the Platform to harm or injure any third party;
4. impersonate any person or entity on the Platform;
5. use the Platform to commit fraud, embezzlement, money laundering, or for any unlawful and/or illegal purposes;
6. forge headers or otherwise manipulate identifiers in order to disguise the origin of any content transmitted through the Platform;
7. upload, post, email, transmit or otherwise make available any content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
8. upload, post, email, transmit or otherwise make available on the Platform, any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
9. upload, post, email, transmit or otherwise make available on the Platform, any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam”, “chain letters,” “pyramid schemes,” or any other form of solicitation;
10. upload, post, email, transmit or otherwise make available on the Platform, any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
11. disrupt the normal flow of or otherwise act in a manner that negatively affects other user’s ability to engage in real-time exchanges;
12. interfere with or disrupt the Platform or servers or networks connected to the Platform, or disobey any requirements, procedures, policies or regulations of networks connected to the Platform;
13. intentionally or unintentionally violate any applicable local, state, national or international laws and any regulations having the force of law.

DISCLAIMER OF WARRANTIES

WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF OUR SERVICES OR ANY SERVICES OR ITEMS OBTAINED THROUGH OUR PLATFORMS OR FROM DOWNLOADING ANY MATERIAL POSTED ON IT, OR ON ANY PLATFORM LINKED TO IT.

YOUR USE OF OUR SERVICES, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH OUR PLATFORM IS AT YOUR OWN RISK. OUR PLATFORM, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKE ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE PLATFORM. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE PLATFORM, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR PLATFORM  OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE PLATFORM  OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

WE HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or our platforms will be free of viruses or other destructive code. 

You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our Platforms or for any reconstruction of any lost data. 
Non-reliance. We work with third parties, including affiliates, to  provide the best services. If you receive information from a third party you bear all risk and responsibility of relying on the information and will not have any claim against us for your reliance on such information. 
We do not verify any data or information provided by financial exchanges and/or any third-party information providers and disclaim any obligation to do so. We expressly disclaim the accuracy, adequacy, suitability, or completeness of any information from any third-party information providers on the Platform and shall not be liable for any errors, omissions, or other defects, delays, or interruptions in such Information, or for any actions taken in reliance thereon or for any damages resulting from the use of the information.
The Platform may also contain third-party advertisements, if any. The display of such advertisements does not in any way imply an endorsement or recommendation of the relevant advertiser, its products, or services. You shall independently refer to the relevant advertiser for all information regarding the advertisement and its products and/or services. The Company accepts no responsibility for any interaction between you and the relevant third party and is released from any liability arising out of or in any way connected with such interaction.

INTELLECTUAL PROPERTY RIGHTS

The Platform and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video and audio, and the design, selection, and arrangement thereof), are owned by us, our licensors or other providers of such material and are protected under Nigerian copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. You must not reproduce, decompile, reverse engineer, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Platform, without our written permission and/or the express, authorized written permission of the copyright owner.
No right, title, or interest in or to the Platform or any content on the Platform is transferred to you, and all rights not expressly granted are reserved by us. Any use of the platform not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.
You are solely responsible for the quality, accuracy, and completeness of any of your materials and shall indemnify us, our affiliates, and our service providers for demand against all losses arising out of or in connection with the use of your materials.

LIABILITY
Your use of the Platform, its services and the information contained therein is entirely at your own risk and you shall assume full responsibility and risk of loss resulting from the use thereof.
IN NO EVENT WILL, WE, OUR AFFILIATES OR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL PROVISIONS OR THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, OUR PLATFORM, ANY PLATFORM LINKED TO IT, ANY CONTENT ON THE PLATFORM OR SUCH OTHER PLATFORM OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM OR SUCH OTHER PLATFORM, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

INDEMNITY
You agree to defend, indemnify and hold harmless the Company, its affiliates, licensors and service providers, and its respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Platform, including, but not limited to, your user obligations, any use of the Platform, content, services, and products other than as expressly authorized in these Terms, or your use of any information obtained from the Platform.

DISCLOSURE
We may disclose your information to:

1. any of our subsidiaries, holding companies, associated companies, affiliates including any affiliate or a related entity;
2. any agent, contractor, or service provider that we engage or propose to engage to carry out or assist us with our functions and activities who is under a duty of confidentiality to keep such information confidential;
3. our payment processors;
4. any person with whom we enter any assignment, fundraising agreement, share purchase agreement or other commercial agreement who is under a duty of confidentiality to keep such information confidential;
5. any person to whom information is permitted or required (or expected) to be disclosed by any applicable law or regulation or pursuant to any order of a court;
6. any referee or representative of yours (including any professional advisor, broker, introducer, attorney or executor);
7. any of your agents you have authorized or who are authorized under law such as an administrator or trustee in bankruptcy or your legal representative; and
8. any actual or proposed assignee or investor of all or any part of our business and/or assets and/or shares or interests of or in our business.
9. You hereby grant an irrevocable, perpetual, worldwide, and royalty-free, sub-licensable license to us, to display and use all information provided by you in accordance with the purposes set forth in these Terms. 

TERMINATION

We reserve the right to terminate these Terms and provision of our service to you, in the event that:

1. you breach any provision of these Terms;
2. we are required to do so by law; 
3. We choose to discontinue the service being offered or discontinue operating the Platform; or
4. the license for offering our services is revoked;

We reserve the right to enforce the obligations contained herein, even when you have uninstalled the Platform or after the termination of these Terms until all your obligations are fulfilled.

Upon termination of these Terms, the rights granted to you under these Terms shall cease to exist. Notwithstanding anything contained in these Terms or otherwise, the termination of these Terms, for any reason whatsoever, shall not affect your outstanding obligations.

NOTICE

All notices given by you to us must be given in writing and sent to [•] or any other mail address as may be provided from time to time.

We may give notice to you through e-mail. Notice will be deemed received and properly served twenty-four (24) hours after the e-mail is sent. In proving the service of any notice, it will be sufficient to prove, that such e-mail was sent to the specified e-mail address of the addressee.

GOVERNING LAW AND DISPUTE RESOLUTION 
These Terms and all disputes and matters arising from the Platform (or its use) shall be governed by the laws of the Federal Republic of Nigeria.

In the event of a controversy, claim, or dispute arising out of or relating to these Terms, the Parties shall attempt in good faith to resolve such controversy, claim or dispute promptly by negotiation between the Parties or their authorized representatives. You shall, before exploring any other remedy in law, notify us of the dispute or complaint through the contact details. If parties are unable to resolve the controversy, claim or dispute, the parties shall be referred to mediation by a single mediator at the Lagos Multi-Door Courthouse (“LMDC”) under the LMDC Rules and governed by the Lagos Multidoor Courthouse Law. 

Each Party agrees that any dispute arising out of or in connection with the Terms will be conducted only on an individual basis and not in a class, consolidated or representative action.

RECORDS
You agree that, except in the case of manifest error, our record of the Services we offer and of transactions carried out through our Platform is conclusive evidence of its contents.

SEVERABILITY
If any provision of the Terms is determined to be invalid, unenforceable, or illegal by any court or tribunal, it will be deemed to have been deleted without affecting the remaining provisions. If such provision would be valid, enforceable, and legal if some part of it were modified or deleted, the provision will apply with the minimum modification necessary to make it legal, valid, and enforceable.

RELATIONSHIP
Nothing in these Terms will be construed as creating an agency, a partnership, or joint venture between the Parties, constitute any Party being the agent of the other Party or authorise any Party to make or enter any commitments for or on behalf of the other Party. Each Party confirms it is acting on its own behalf and not for the benefit of any other person.

WAIVER
No failure or delay by us to exercise any right or remedy provided under these Terms or applicable law, or a single or partial exercise of such right or remedy, will constitute a waiver of that or any other right or remedy, nor will it preclude or restrict the further exercise of that or any other right or remedy. 

VIOLATIONS
Please report any violations or grievances with relation to these Terms to the Company at info@parthianpensions.com.

FORCE MAJEURE
We shall not be liable or responsible for any failure to perform, or delay in performance of, any of our obligations under these Terms that are caused by events outside of our reasonable control (“Force Majeure Event”).
A Force Majeure Event includes in particular (but without limitation) the following: strikes, lockouts or other industrial action; civil commotion, riot, invasion, terrorist attack or threat of terrorist attack, war (whether declared or not) or threat or preparation for war; fire, explosion, storm, flood, earthquake, subsidence, epidemic, pandemic or other natural disaster or Act of God; nuclear, chemical or biological contamination or sonic boom; impossibility of the use of public or private telecommunications networks; the acts, decrees, legislation, regulations or restrictions of any government; the non-delivery or late delivery of products or Service to us by third parties; or any other event beyond a Party’s reasonable control.
Our performance under these Terms is deemed to be suspended for the period that the Force Majeure Event continues.
If you have any questions or do not understand anything in these conditions, please send an email to info@parthianpensions.com and we will respond to you as soon as possible.