Terms and Conditions

Welcome to www.aaculaax.com, a website that provides information and resources on various topics, such as insurance, marketing, travel, etc. This website is owned and operated by Aaculaax.

These terms and conditions (“Terms”) govern your access and use of the website and its content and services (collectively, the “Website”). Please make sure that you read these terms carefully before using the website. By using the website, you agree to be bound by these terms. If you do not agree to these terms, you must not access or use the website.

Acceptance of the Terms and Conditions

By accessing or using the website, you acknowledge that you have read, understood, and accepted these terms and that you agree to comply with all applicable laws and regulations. You also represent and warrant that you are at least 18 years old or that you have the consent of your parent or guardian to use the website if you are under 18 years old.

If you are accessing or using the Website on behalf of a business or organization, you also represent and warrant that you have the authority to bind that business or organization to these Terms and that you agree to these Terms on behalf of that business or organization.

If you do not agree to these Terms, or if you do not have the authority or consent to agree to these Terms, you must not access or use the Website.

Changes to the Terms and Conditions

We reserve the right to modify or update these Terms at any time and for any reason, at our sole discretion. We will notify you of any changes by posting the updated Terms on the Website, and by indicating the date of the last revision at the top of this page. You are responsible for reviewing the Terms regularly to ensure that you are aware of any changes. Your continued access or use of the Website after the changes become effective constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop accessing or using the Website.

Use of the Website

This Website provides information and resources on various topics, such as insurance, marketing, travel, etc. The Website is intended for personal and non-commercial use only. You may access and use the Website for lawful and legitimate purposes only, and in accordance with these Terms and all applicable laws and regulations.

You agree not to access or use the Website in any way that:

  • Violates or infringes the rights of others, including their intellectual property, privacy, or publicity rights
  • Is unlawful, fraudulent, deceptive, abusive, harassing, threatening, defamatory, obscene, or otherwise objectionable
  • Interferes with or disrupts the operation or security of the Website or any of its content or services
  • Transmits or introduces any viruses, malware, or other harmful or malicious code or content to the Website or any of its content or services
  • Attempts to gain unauthorized access to the Website or any of its content or services, or to any accounts, systems, or networks connected to the Website
  • Uses any automated means, such as bots, scripts, or spiders, to access, scrape, crawl, or monitor the Website or any of its content or services, without our prior written permission
  • Copies, reproduces, modifies, adapts, translates, distributes, or otherwise exploits the Website or any of its content or services, without our prior written permission
  • Creates derivative works from, or incorporates the Website or any of its content or services into, any other products or services, without our prior written permission
  • Sublicenses, rents, leases, sells, resells, or otherwise transfers the Website or any of its content or services, without our prior written permission
  • Uses the Website or any of its content or services for any commercial purposes, without our prior written permission

We reserve the right to monitor, review, edit, remove, or disable access to any content or activity on the Website that we deem to be in violation of these Terms or any applicable laws or regulations, at our sole discretion and without notice or liability. We also reserve the right to suspend or terminate your access or use of the Website, or any of its content or services, at any time and for any reason, at our sole discretion and without notice or liability.

User Accounts and Registration

Some features and services of this Website may require you to create an account and provide certain information about yourself, such as your name, email address, password, and other personal or contact details. You agree to provide accurate, complete, and current information when creating or updating your account, and to keep your account information secure and confidential. You are responsible for all activities that occur under your account, and you agree to notify us immediately of any unauthorized access or use of your account or any breach of security.

We reserve the right to verify your identity and information at any time, and to request additional information or documentation from you, as necessary. We also reserve the right to reject, suspend, or terminate your account, or your access or use of this Website, or any of its content or services, at any time and for any reason, at our sole discretion and without notice or liability.

Content on the Website

This Website contains various types of content, such as text, images, graphics, videos, audio, data, information, and other materials, that are owned or licensed by us, or provided by you or other users or third parties. You agree to respect and abide by the intellectual property rights and other rights of the content owners and providers, and to use the content on the Website only as permitted by these Terms and all applicable laws and regulations.

You retain the ownership and responsibility of any content that you create, post, share, or use on this Website, or that you provide to us or other users or third parties through the Website.

Links to Other Websites

The Website may contain links to other websites that are not owned or controlled by us, or that are provided by you or other users or third parties. These links are for your convenience and reference only, and do not imply any endorsement, affiliation, or association with the linked websites or their owners or operators. We are not responsible for the content, policies, practices, or services of these linked websites, and we do not warrant or guarantee the accuracy, completeness, quality, or reliability of these linked websites. You access and use these linked websites at your own risk and discretion, and you agree that we are not liable for any damages or losses that may arise from or in connection with your access or use of these linked websites.

Privacy Policy

We respect your privacy and are committed to protecting your personal information. We collect, use, and protect your personal information in accordance with our Privacy Policy, which is incorporated into these Terms by reference. By accessing or using the Website, you agree to our Privacy Policy, and you consent to our collection, use, and protection of your personal information as described in our Privacy Policy. You can access our Privacy Policy here: [https://www.aaculaax.com/privacy-policy-2/].

Disclaimer of Warranties

We provide the Website and its content and services on an “as is” and “as available” basis, without any warranties or guarantees of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties and guarantees, including, but not limited to, the warranties and guarantees of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, quality, reliability, availability, security, or performance of the Website and its content and services. We do not warrant or guarantee that the Website and its content and services will meet your requirements or expectations, or that they will be uninterrupted, error-free, virus-free, or timely. You access and use the Website and its content and services at your own risk and discretion, and you agree that we are not liable for any damages or losses that may arise from or in connection with your access or use of the Website and its content and services.

Limitation of Liability

To the fullest extent permitted by law, we are not liable for any damages or losses that may arise from or in connection with your access or use of the Website or its content or services, or your breach of these Terms, or any act or omission by you or any third party. These damages or losses include, but are not limited to, direct, indirect, incidental, consequential, special, exemplary, or punitive damages or losses, such as loss of profits, revenue, data, goodwill, or other intangible losses, whether based on contract, tort, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages or losses. In no event shall our total liability to you for all damages or losses arising from or in connection with the Website or its content or services, or your breach of these Terms, or any act or omission by you or any third party, exceed the amount paid by you to us for accessing or using the Website or its content or services in the 12 months prior to the event giving rise to the liability, or $100, whichever is greater. Some jurisdictions do not allow the exclusion or limitation of liability for certain damages or losses, so some or all of the above exclusions or limitations may not apply to you.

Indemnification

You agree to indemnify and defend us and our affiliates, partners, directors, officers, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, costs, and expenses, including reasonable attorney’s fees, that may arise from or in connection with your access or use of the Website or its content or services, or your breach of these Terms, or any act or omission by you or any third party. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with us in the defense and settlement of such matter. You agree not to settle any matter without our prior written consent.

Dispute Resolution and Governing Law

These Terms and your access to and use of the Website and its content and services are governed by and construed in accordance with the laws of Nigeria, without regard to its conflict of law principles. You agree that any dispute or conflict that may arise from or in connection with these Terms or your access or use of the Website or its content or services, or any act or omission by you or any third party, shall be resolved by binding arbitration, administered by the [Nigerian Institute of Chartered Arbitrators], in accordance with its rules and procedures. You agree that the arbitration shall take place at [10, Adedeji Adekola Street, Off Freedom Way, Lekki, Lagos, Nigeria.] and that the arbitrator’s decision shall be final, binding, and enforceable in any court of competent jurisdiction. You agree that the arbitration shall be conducted on an individual basis and that you waive any right to participate in any class action, class arbitration, or representative action or arbitration. You agree that any claim or action arising from or in connection with these Terms or your access or use of the Website or its content or services, or any act or omission by you or any third party, must be filed within one year after the cause of action accrues, or else it will be permanently barred. Some jurisdictions do not allow the exclusion or limitation of certain rights or remedies, so some or all of the above exclusions or limitations may not apply to you.

Contact Us

If you have any questions, comments, or feedback about these Terms or the Website or its content or services, please contact us at [[email protected] or +2349162606575]. We will respond to you as soon as possible, and we appreciate your input and support.