Terms of Service
These Terms of Service constitute a legal agreement between you, as the user of the Website, and SEFAPCOL, as the owner of the Website. Throughout these Terms of Service we will refer to you as “you”, and we will refer to SEFAPCOL as “we”, “us” or “SEFAPCOL”.
These Terms of Service set out the general terms governing your use of the Website. They apply to you as soon as you first use the Website, and you are deemed to have agreed to be bound by them upon your first use of the Website. If you do not wish to continue to be bound by these Terms of Service, please stop using the Website now.
In addition to these Terms of Service, Privacy Notice also sets out details of how your personal data will be used. Together, these are the “Website Agreements”.
During the course of your use of the Website, you may choose to agree to be bound by certain other agreements: for example, if you wish to sign up to SEFAPCOL, you will need to agree to a Membership Agreement, and if you wish to invest in a business through SEFAPCOL, you will need to agree to the relevant Investment Agreement. We refer to all of these other agreements as the “Platform Agreements” because rather than just governing your technical use of the Website, they set out the substantive terms that govern your relationship with us when you make use of our platform.
The Website Agreements will continue to apply to you even after you have agreed to a Platform Agreement. However, if it turns out that there is a conflict between the Website Agreements and a Platform Agreement that you agree to, the Platform Agreement will take precedence.
The Website may include at any given time text, graphics, logos, icons, images, sound clips, video clips and data compilations, and together with the Website’s page layout, underlying code and software we refer to all of these as “Content”.
All of the Content is the property of SEFAPCOL, our affiliates or third parties with whom we do business, and this means that it is protected by the Federal Republic of Nigeria and international intellectual property laws and other relevant laws. This means that you may not reproduce, copy, distribute, store or in any other fashion re-use material from the Website unless otherwise indicated on the Website or unless given express written permission to do so by SEFAPCOL. For the avoidance of doubt, data mining or scraping the Website without the express written permission of SEFAPCOL is not permitted.
This Website may contain links to other websites. Unless we expressly say otherwise, you should assume that these other websites are not under the control of SEFAPCOL or our affiliates. We assume no responsibility for the content of such websites, and we disclaim liability for any and all forms of loss or damage arising out of the use of them. Additionally, even if we include a link to another website on this Website, that does not mean that we endorse that other website or in any way recommend that you should use it.
If you choose to agree to the Membership Agreement, you will see that in there – and in other Platform Agreements – we make certain promises to you about what parts of the Website and its Content we are responsible for and what parts we are not. This means that, if you are a party to one of those agreements and something goes wrong with your use of the Website, you may be able to hold us responsible depending on the circumstances.
However, with the exception of the specific promises we make in a Platform Agreement to which you are a party, you need to be aware that:
We have made every effort to ensure that these Terms of Service adhere strictly with the relevant provisions of the Nigerian Contract Terms and other applicable laws. However, in the event that any of these provisions are found to be unlawful, invalid or otherwise unenforceable, that provision is to be deemed severed from these Terms of Service and shall not affect the validity and enforceability of the remaining Terms of Service. This clause on “Severability” shall apply only within jurisdictions where a particular term is illegal.
In the event that either you or we fail to exercise any right or remedy contained in these Terms of Service, that does not mean you or we (as applicable) have waived that right or remedy and so shall not be construed as a waiver.
From time to time we may update these Terms of Service to take account of changes in the law or for any other reason. If we update these Terms of Service, we will post a new version on the Website, and as soon as you use the Website after they are posted, you will be deemed to have agreed to the updated version, but you will still be bound by the terms of any previous versions to which you have agreed or been deemed to agree. If there is a conflict between two versions of the Terms of Service to which you have agreed or been deemed to agree, the more recent version shall take precedence unless it is expressly stated otherwise.
If you wish to communicate with us about anything related to these Terms of Service, you may do so by sending an email to contact us. Please note that SEFAPCOL can only respond to questions about these Terms of Service and any technical issues with the use of the Website.
If you wish to make a complaint about SEFAPCOL, the process for doing so is set out in the Membership Agreement which can be accessed through your SEFAPCOL profile.
These Terms of Service and the relationship between you and SEFAPCOL created by it shall be governed by and construed in accordance with the laws of England and Wales.
You agree to submit to the exclusive jurisdiction of the courts of Nigeria. This means that if you want to bring legal action against us, or we want to bring legal action against you, it must be done in courts within Nigeria.
We have used a few capitalised terms in this agreement, which means that they have specific definitions. In some cases, the definition is set out when they are first used, but in a few cases, we give the meaning below instead.