Terms of Use
These terms of use (“Terms of Use”) are provided on behalf of NKOD Digital League Cooperative Limited and its affiliates (“we, “us”, “our”). By using www.nkodweb.com , including any page thereof (the “site”) or application (App), you acknowledge that you have read, understand and agree to be bound by these Terms of Use, regardless of whether you are a registered user of our products or services (each a “Service” collectively, referred to as “service”). If you do not wish to be bound by these Terms of Use, you should not access or use the Site or Services. If there is any inconsistency between these Terms of Use and another agreement you enter into that is applicable to Service offered on the Site then the other agreement will take precedence as it applies to the services.
Change to These Terms of Use
We reserve the right, in our sole discretion, to modify these Terms of Use at any time. Changes to these Terms of Use will become effective immediately upon the posting thereof. Please review these Terms of Use often to keep your selfapprised of any changes. Your continued use of the Site or Application (App) following the posting of changes will constitute your acceptance of the revised Terms of Use.
Eligibility
This Site is intended solely for users who are 18 years of age or older, and any registration or use of the Site by anyone under 18 is unauthorized and in violation of these Terms of Use. By using the Site, you represent you are 18 or older and that you agree to and to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/ or prohibit you from using or accessing our Services of Site.
Registrations and Applications
You may be presented with the opportunity to register to join the cooperative society for an account, save, invest or other services provided for the benefits of members and apply for a loan through the site or App. When you register for an account to join the society, save or contribution or apply for a loan, you agree to provide current, complete and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or in complete, we have the right to reject or cancel your account registration, reject any application you have submitted, terminated any agreement we have with you, and restrict your future use of the Site and our Service. We reserve the right to decline any application for a loan.
Your Account
To access our Services, you will be required to register and create an account on the site and App. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately. You may be required to login in order to use certain parts of the Site or application.
Your Content and Information Sharing
By providing information or content on the Site, you expressly agree to all of the following: You grant us a non- exclusive, transferable, sub-licensable, royaltyfree, world- wide license to use any information or content that you provide in connection with your use of the Site and Services, subject to the privacy provisions described in our Privacy Policy. We have the right to review, delete, edit, modify, reformat, excerpt, or translate any of your information or content. You are solely responsible for the content and information you make available through or in connection with our services.All the information and content posted on the Site or privately transmitted through the Site or via other means in connection with our services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omission in any information or content posted by a user.
We will not share or sell any of your information with any third party, except as specifically described in our Privacy Policy, which is incorporated by reference into these Terms of Use.
Restriction on Use
You agree to abide by all applicable laws and regulations in your use of the Site and our Service. In addition, You agree that you will not do any of the following:- ★ register for more than one account, or register for an account on behalf of an individual other than yourself or on behalf of any group or entity;
- ★ post or otherwise make available content, or take any action on the Site, that may constitute libel or slander or that infringes or violates someone else’s rights or is protected by any copyright or trademark, or otherwise violates the law;
- ★ Post or otherwise make available content that in our judgment is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful or otherwise objectionable, or which restricts or inhibits any other person using or enjoying the Site, or which may expose us of user to any harm or liability of any type;
- ★ Post or otherwise make available any unsolicited or unauthorized advertising, Use the information or content on our Site to send unwanted messages to any user;
- ★ Impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity;
- ★ Post or otherwise make publicly available on the Site any personal or financial information of any third party;
- ★ Solicit personal information from anyone under 18 or solicit password or personally identifying information for commercial or unlawful purpose;
- ★ use the Site or our Services in any manner that could damage, disable, overburden or impair the Site;
- ★ harvest or collect email addresses or other contact information of our users from the Site by electronic or other means, including via the use automated scripts; or
- ★ post or otherwise make available any material that contains software viruses or any other computer code, file or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunication equipment;
Intellectual Property Proprietary Right; Copyright; Trademarks All software, design, text information, data, databases, images, photographs, illustrations, audio clips, video clips, artwork, graphic material, or other copyrightable elements (collectively, “content”). Other than User content (as defined above), are the property of NKOD Digital League Cooperative Limited and/or its subsidiaries, affiliates, assigns, licensors, vendors, partners or other respective owners and are protected, without limitation, pursuant to copyright laws. No Content (other than your own User Content) may be reproduced, modified, used to create derivative works, displayed, performed, published, distributed, disseminated, broadcast or circulated to any third party without our express prior written consent.
“NKOD Digital” and all related logos (collectively, “the Trademarks”) constitute our trademarks or service marks. Other company, product, and services names and logos used and displayed on this site may be trademarks or service marks owned by us or others. You may not use, copy, display, distribute, modify or reproduce any of the trademarks found on this site unless in accordance with written authorization by us. The use of any of the trademark as part of a link to or from any site is prohibited unless we provide advance written approval. In addition, all page headers, custom graphics, button icons, and script are our service marks, trademarks, and/or trade dress. You may not copy, imitate, or use them without our prior written consent. Any questions concerning any trademark, or whether any mark or logo is a Trademark, should be referred to us.
All right, title and interest in and to the website, any content thereon, our products and services, the technology related to our products and services, and any and all technology and any content created or derived from any of the foregoing is our or our licensors’ exclusive property.
Copyright Complaints
If you believe that any material on the Site infringes upon any copyright that you own or control, you may send a written notification to us via contactus@nkodweb.com. In your notification, please:
Links to Third Party Websites
We are not responsible for the information practices employed by sites linked to or from our website. In most cases, links to third party websites are provided solely as pointers to information on topics that may be useful to our users. Since third-party web sites may have different privacy policies and / or security standard governing their sites, we advise you to review the private policies, terms and condition of these sites prior to providing any personal information.
Use of Personal Identifiable Information
Our practices and policies with respect to the collection and use of personally identifiable information are governed by our Privacy Policy.
No Warranty; Errors; Disclaimers
This Site and our products and services are provided ‘as is” and without any representation or warranty, whether express, implied or statutory. Any estimates or examples that we provide on the site may be different than actual amounts. You agree that we may promptly correct any error that we discover including any error in calculating loans rates. If the error results in your receipt of an incorrect interest rate, APR or fee, we will notify you and provide you with the correct rate. You agree to provide any additional consent necessary to correct any errors that occur.
ALTHOUGH WE WILL USE REASONABLE EFFORTS TO PROVIDE AN ACCURATE
SITE/SERVICES, ALL ASPECTS THEREOF ARE PROVIDED “AS IS”, WITH ALL
FAULTS”, AND “AS AVAILABLE”. WE AND OUR OFFICERS, DIRECTORS,
EMPLOYEES, MEMBERS AND THIRD PARTY SUPPLIERS (COLLECTIVELY, THE
“PARTIES”) DISCLAIM ANY AND ALL REPRESENTATIONS, WARRANTIES OR
GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATITORY, THE
SITE, SERVICES, ANY DOCUMENTATION PROVIDED OR MADE AVAIALBLE TO
YOU AND ANY OTHER PRODUCTS AND RELATED MATERIALS AND/OR
SERVICES PROVIDED TO YOU BY ANY OF THE PARTIES, INCLUDING, BUT NOT
LIMITED TO, ANY WARRANTIES (I) AS TO TITLE, MERCHANTABILITY, FITNESS
FOR ORDINARY PURPOSES, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, SYSTEM INTEGRATION, AND WORKMAN-LIKE EFFORT;(II)
THE QUALITY, ACCURACY, TIMELINESS OR COMPLATENESS OF THE SITE OR
SERVICE OR ANY ASPECT THEREOF (III) THOSE ARISING THROUGH COURSE OF
DEALING, COURSE OF PERFORMANCE OR USAGE OF TRADE; (IV) THE SITE OR
SERVICE CONFORMING TO ANY FUNCTION, DEMOSTRATION OR PROMISE BY
ANY PARTY; AND (V) THAT ACCESS TO OR USE OF THE SITE AND/OR SERVICE
WILL BE UNINTERUPTED, ERROR-FREE OR COMPLETELY SECURE. ANY
RELIANCE UPON THE SITE AND OR SERVICES IS AT YOUR OWN RISK AND THE
PARTIES MAKE NO WARRANTY. THESE DISCLAIMERS ARE INDEPENDENT OF
ANY OTHER TERM IN THESE TERMS OF USE.
Limitation of Liability
You agree that all access and use of the site and its contents and your use of the Service is at your own risk. Neither we, nor any third party involved in creating, producing or delivering the Site and /or Service has or will have any responsibility for any consequences relating, directly or indirectly, to any action or inaction that you may take based on the site and /or Service, or any aspect thereof.
WE WILL NOT BE HELD LIABLE FOR ANY DEFECTS, FAULTS, INTERRUPTIONS
OR DELAYS IN THE OPERATION OR TRANSISSION, PRODUCT, AND/OR OUT OF
ANY INACCURACIES, ERRORS OR OMISSIONS IN THE INFORMATION
CONTAINED IN THE SITE/SERVICES. UNDER NO CIRCUMSTANCES WILL ANY OF
THE PARTIES BE HELD LIABLE FOR ANY INDRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER DAMAGES,
INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, ARSING OUT OF, BASED ON,
RESULTING FROM, OR IN CONNECTION WITH THE SITE/SERVICE OR PRODUCT,
THESE TERMS OF USE, OR YOUR USE OR INAIBILTY TO USE ANY OF THE
FORGOING, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILTY OF SUCH
DAMAGES.
ALL OF THESE LIMITATIONS APPLY REGARDLESS OF THE CAUSE OR FORM OF ACTION, WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A CONTRACT, TORT OR OTHERWISE, AND EVEN IF WE OR OUR REPRESENTAIVES HAVE BEEN NEGLIGENT OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Indemnity
You agree to indemnify, defend and hold us harmless from and against any and all third-party actions, suits, claims, and/or damage and any associated losses, expenses, damages, costs and other liabilities (including reasonable attorney’s fees), arising out of or relating to your (and your user’s) submitting content, use or misuse of any aspect of the Service or Site, or your violation of these Terms of Use. You will cooperate as fully as reasonable required in the defense of any such claim or demand. We and any third party involved in creating, producing or delivering the Site/Services reserves the right to assume the exclusive defense and control of any matter without our prior written consent and any such third party.
Miscellaneous
These Terms of Use shall be governed in all respects by the laws of the Akwa Ibom State and applicable Federal Law. Your obligation under these Terms of Use are binding on your successors, legal representatives and assigns. You may not assign or transfer (by operation of the Law or otherwise) your right to use the Site/Service or any aspect hereunder, in whole or in part, without our prior written consent.
Severability
If any provision of this Terms and Conditions if found to be invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall remain in full force and effect.
Question
Please contact us at contactus@nkodweb.com with any questions regarding these Terms of Use.
