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TERMS & CONDITIONS

  1. General Agreeing to be
    bound by the terms and conditions below (“Terms of Use” or
    “Terms”). Retail Info may at its sole discretion modify this
    agreement at any time, and such modifications will be effective immediately upon posting.

Intellectual
Property

  1. Intellectual property (including
    copyright and trademarks in the materials and Services) other than those
    belonging to any person, organisation, company or group displaying, listing or
    advertising in the Services are owned by Retail Info or its partners or
    affiliates (unless otherwise indicated) and you agree not to infringe on any intellectual property rights owned by
    Retail Info or anyone else.

  • Nothing contained in the Services (including granting you access
    to the Services) should be construed as granting any license or
    right to use any intellectual property displayed in the Services without the
    express written consent of Retail Info.

Use of Information in the Services

  1. Information contained in the Services
    is for your personal use only and may not be sold, redistributed or used for
    any commercial purpose (other than to correct or add information contained in
    the Services) including, but not limited to, the use of any business contact
    details for unsolicited commercial correspondence or the creation of customer
    lists. Any commercial use of this information requires
    the written consent
    of Retail Info. You may download material from the Services for your
    personal, non-commercial use only, provided you keep intact all copyright and
    other proprietary notices.

  • You may not modify, copy, reproduce,
    republish, upload, post, data-mine, scrape, transmit or distribute in any way
    any material from Retail Info or the Services including code and software. You must not use the Services for any purpose
    that is unlawful or prohibited by these Terms of Use.

Security, Access & Accuracy of
Information

  1. While Retail Info takes all reasonable
    efforts to ensure the protection, privacy and
    integrity of any information you may provide, no data transmission over
    the internet is totally secure and the possibility exists that this information
    could be unlawfully used or observed by a third party while in transit
    over the internet
    or while stored
    on Retail Info’s
    systems or in the Services. To the extent permitted by law,
    Retail Info disclaims all liability to you under the law should this occur.

  • As part of the Services, Retail Info
    may respond to user requests or provide information (such as business
    information requested by users) to users, by any of the following means:

  • i. Verbally
    • ii.
      Connecting a user directly to a business via telephone

  • iii.
    By sending an SMS message to the user

    • iv.
      By email
    • v. Over
      the internet, mobile phone application or other technological device.

  • Retail Info cannot give you any
    guarantee of the accuracy of any business information or entity contained in the Services, including but not limited to the availability of any special
    offer set out in any listing.

  • You
    are responsible for obtaining all necessary equipment
    and services equipment required to access and use the services.

Privacy

  1. Retail Info will collect and use any
    information in accordance with its Privacy Policy and users of the Services
    consent to the collection and use of information in accordance with this
    policy.

Links to other
Websites, Business and Services

  1. In your use of the Services, you may
    access content from third parties (“Third Party Content”) via links to other websites
    or other forms of contact
    such as by telephone. Retail
    Info does not control
    Third Party Content
    and makes no representations or warranties about it. Retail Info does not accept any liability
    for the reliability, completeness or accuracy of any Third Party Content or for
    the privacy practices of the Providers of Third Party Content. You agree that
    by using the Services, you may be exposed to Third Party Content that could be
    false, offensive, indecent or otherwise objectionable. Under no circumstances
    will Retail Info be liable in any way for any Third Party Content, including,
    without limitation, any errors or omissions in any Third Party Content or any
    loss or damage of any kind incurred as a result of the use of any Third
    Party Content posted,
    stored or transmitted via our Service.
    You agree that you
    must evaluate, and bear all risks associated with, Third Party Content. Retail
    Info reserves the exclusive
    right in its sole discretion to add, decline or remove, without warning, any
    content, icon, link or other connection to Third Party Content.

  • By using Retail Info or the Services,
    you do not receive any ownership rights in the Third Party Content.
    You may not use, access
    or allow others
    to use or access the Third Party Content
    in any manner not permitted under the Terms, unless you have been specifically
    permitted to do so by Retail Info or by the owner of that Third Party Content,
    in a separate agreement.

  • Accessing Third Party Content from the
    Services should not be construed as granting any right or license to use Third
    Party Content.

Governing Law

  1. These
    Terms of Use are governed
    by and interpreted in accordance with the laws of Nigeria. You irrevocably and
    unconditionally submit to the exclusive jurisdiction of the Courts of

Nigeria and waive any objection to legal
action being brought in those Courts on the grounds of venue or inconvenient
forum.

  • The invalidity or unenforceability of
    any of these Terms of Use will not affect the validity or enforceability of any
    other of these Terms, all of which will remain in full force and effect.

  • Any dispute or difference arising
    between the Parties with regard to this Agreement shall be first settled by negotiation. Should
    such negotiations fail,
    either Party shall
    refer the dispute to arbitration. Arbitration shall
    be in accordance with the provisions of the Lagos State Arbitration Law 2009.

User
Submissions

  1. For any submission of content that you make, you warrant that you own or
    otherwise have all rights necessary to license the content you submit and that
    the posting and use of your content by us will not infringe or violate any law
    or the rights of any third party. You further agree to indemnify and hold
    harmless Retail Info against any and all claims, damages, legal fees and any
    other cost that may be incurred by Retail Info as a result of breaching this
    warranty.

  • By submitting any content to our Services, you hereby grant us a perpetual, worldwide, non- exclusive, royalty-free right and license to use,
    reproduce, display, perform, adapt, modify, distribute, have distributed and
    promote such content in any form, in all media now known or hereinafter
    created, anywhere in the world, and for any purpose including the waiver of any
    rights in your contribution.

  • Any content submitted to our Services
    may also be provided to or located at third party computers’ servers, websites
    or services.

  • You are solely responsible for any
    content that you submit post or transmit via or to our Services.

  • You agree not to post or submit
    anything to the services that:

  1. May
    contain any computer
    viruses, viruses or other types of harmful
    code including anything that compromises the security of
    the Services or may interfere, disrupt, damage or destroy any information, files or devices that
    belong to Retail Info;

  • may denigrate any ethnic, racial,
    sexual or religious group by stereotypical depiction or otherwise;

  • contains sexually explicit content;

  • is
    defamatory;

  • makes use of offensive language or
    images; or

  • Characterizes violence as acceptable,
    glamorous or desirable.

  • Retail Info has no obligation to post any content that you or anyone else submits. In addition, Retail Info may, in its sole and
    unfettered discretion, edit, remove or delete any content that you post or submit.

Proprietary Rights

  1. You agree that all content and
    materials available on the Services is protected by rights of publicity, copyright, trademarks, service marks,
    patents, trade secrets
    or other proprietary rights and laws. Except as expressly authorized by us, you
    agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly
    perform, publish, adapt, edit or create derivative works from materials
    or content available on our Services. Notwithstanding the above, you may use
    the content and materials on our Site in the course of your normal, personal,
    non-commercial use of our Services.

  • You agree not to systematically
    retrieve data, including but not limited to addresses and phone numbers of
    businesses, or other content or any materials from our Services to create or
    compile, directly or indirectly, a collection, compilation, database, directory
    or the like, whether by manual methods, through the use of “bots” or
    otherwise. You agree not to use of any of our trademarks as metatags on other
    web sites. You agree not to display any of our Services in a frame (or any of
    our content via in-line links) without our express written permission, which may be requested by contacting us at privacy@retailinfo.com.ng. You may, however, establish ordinary links to
    the homepage of our Site without our written
    permission.

Discontinuity of Service

A. Retail Info reserves the right at any time to
modify or discontinue, temporarily or permanently, any and/or all portion of our Services
with or without
prior notice. You agree that Retail Info will not be liable
to you or to any third party for any modification or discontinuance
of our Services.

Representations and Warranties

A. You hereby represent and warrant to us that:

  1. you
    have the full power and authority to enter into agreements and perform acts
    under these Terms.

  1. your
    use of our Services will not infringe the copyright, trademark, right of
    publicity or any other legal right
    of any third party. and

  1. you will comply with all applicable laws
    in using our Services and in engaging in all other activities arising
    from, relating to or connected with these Terms,
    including, without limitation, contacting other users of the Services.

Disclaimer of Warranties

You hereby agree that:

  1. If you use our Services, you do so at
    your own and sole risk. Our Service is provided on an “as is” and “as available” basis. Retail
    Info expressly disclaims all warranties of any kind, whether express or
    implied, including, without limitation, implied warranties of merchantability,
    fitness for a particular purpose and non-infringement.

  • Retail Info does not warrant or
    guarantee that

  1. our
    Services will meet your requirements.

  1. our Services will be uninterrupted,
    timely, secure, or error-free.

  1. any information that you may obtain on
    our Services will be accurate or reliable.

  1. the quality of any products, services,
    information or other material purchased or obtained by you through our Services
    will meet your expectations.

  • any information you provide or Retail
    Info collects will not be disclosed to third
    parties.

  • any information available on or
    through the Services will be free of infection by viruses, worms, trojan horses
    or anything else with destructive properties

  • the information provided to you by Retail Info will be free of any
    technical or other mistakes, inaccuracies or typographical errors.

  • any errors in any data or software
    will be corrected by us or by third parties who provide such data or software
    such as maps.

  1. that the information available on or
    through the Services will not contain material which some individuals may deem
    objectionable. or

  • that the functions or services
    performed by the Services will be uninterrupted or error-free or that defects
    in Service will be corrected. It is the sole responsibility of the user to
    isolate software and information, execute anti-contamination software and
    otherwise take steps to ensure that software or information, if contaminated or
    infected, will not damage the user’s information or system.

  • If
    you access or transmit any content through
    the use of our Services, you do so at your own
    discretion and your sole risk. You are solely responsible for any loss or
    damage to you in connection with such actions.
    and

  • No data, information or advice
    obtained by you in oral or written form from us or through or from our Services
    will create any warranty not expressly stated in these terms.

Limits on Liability

  1. You agree that Retail Info will not be
    liable for any direct, indirect, incidental, special, consequential or exemplary damages
    (even if Retail Info has been advised of the possibility of such damages), arising from, relating to or connected with.

  1. the use or inability to use our Services.

  1. the cost of replacement of any goods,
    services or information purchased or obtained as a result of any information
    obtained from or transactions entered into through or from our Services.

  1. disclosure of, unauthorized access to
    or alteration of your content.

  1. statements, conduct or omissions of
    any service providers or other third party on our Services. or

  • any other matter arising from,
    relating to or connected with our Service or these Terms.

  • Retail Info will not be liable
    for any failure
    or delay in performing under these Terms where
    such failure or delay is due to causes beyond our reasonable control, including
    natural catastrophes, governmental acts or omissions, laws or regulations,
    terrorism, labor strikes or difficulties, communications systems breakdowns,
    hardware or software failures, transportation stoppages or slowdowns or the
    inability to procure supplies or materials.

  • The Company’s aggregate liability to
    you or any third party in any matter arising from, relating to or connected
    with our Services is at the Company’s sole discretion.

Indemnity

You agree to defend, indemnify and hold Retail
Info and its officers, directors and employees harmless from any claim, demand,
action, damage, loss, cost or expense, including without limitation, reasonable
attorney’s fees, incurred in connection with any suit or proceeding brought against
us arising out of your use of the Services
or alleging facts or circumstances that could constitute a breach of any provision of these Terms
of Use by you. If you are obligated to indemnify us, Retail Info will have the
right, in its sole and unfettered discretion, to control any action
or proceeding and determine whether
Retail Info wish to settle
it, and if so, on what
terms.

Retail Info’s® Additional Terms and Conditions
of Use for All Business Listings and Advertisers

Additional Terms and Conditions of
Use

These additional terms and conditions of use (“Additional Terms”) apply to all businesses who have or requested to have their business details supplied
to Retail Info and/or listed on the Services, including free business listings,
as well as to all others who choose to advertise with Retail Info, and/or on the Services
(together in these Additional Terms defined as “Advertisers”
or “you”).

In conjunction with the Terms of Use, these
Additional Terms govern all Advertiser’s use of the business listing and
finding service, that allow Advertisers to register and/or list your business
with Retail Info so that users may locate your business when users make certain
relevant queries to Retail Info, as well as any other form of advertising with
Retail Info (together “Advertising Services”). Advertising Services
include, but are not limited to, displaying certain information about your
business from time to time, transferring or
diverting calls to you and sending certain information to users of
Retail Info through various methods such as SMS messages or emails.

These Additional Terms form an integral part
of the above mentioned Terms of Use and all Advertisers must read these
Additional Terms in conjunction with the Terms of Use. The definitions provided
in the above Terms of Use also apply to these Additional Terms and reference to
the Terms of Use herein includes reference to the Additional Terms. Moreover,
the Advertising Services form part of the Services as defined in the above
Terms of Use. As such, everything that applies to Services should, for the
purposes of these Additional Terms, be read to also apply equally to
Advertising Services irrespective of whether Advertising Services are mentioned
separately to Services.

Please also note that further terms and
conditions for Advertising Services may be contained in approved order forms
and invoices for Advertising Services, promotional and other documentation
provided to you by Retail Info or its authorised resellers (“Resellers).

Retail Info may at its sole discretion modify
these Additional Terms at any time, and such modifications will be effective
immediately upon posting the modified agreement on the Site. These Terms must
be accepted and complied with by all who use the Services in any way.

General

  1. The Service is provided to you by
    Retail Info on an “as is”, “as available” basis subject to
    the provisions contained herein for your personal
    or business use only. Any other use or attempt to use the Service for other
    purposes, directly or indirectly, by you or by a third party is prohibited.

  • Unless explicitly stated otherwise,
    any new features that augment or enhance the current Service will be subject
    to both the Terms of Use and these Additional Terms. Your participation in the Service is
    conditional upon your acceptance of the stated Terms of Use and Additional
    Terms. Your acceptance of these Additional Terms is indicated by your payment
    for the Service or, should payment not be required, then by your
    request, registration or submission to us to list your business or advertise
    your business with Retail Info.

  • If at any time these Additional Terms
    are no longer acceptable to you, you should immediately terminate your
    subscription to the Service in writing and submit at business@retailinfo.com.ng

Registering for
Advert & Services

  1. The Services may only be offered to
    you by Retail Info or by Resellers.

  • You
    must provide accurate, complete, and current
    registration information and you agree to
    provide the Advertising Service with an update of that information promptly
    should changes occur.

  • Subscriptions to the Service are
    available only to individuals who are at least 18 years of age or to
    incorporated businesses, sole traders, trusts, partnerships or associations
    owned or operated by individuals who are at least 18 years of age.

  • Retail Info will, at its absolute
    discretion, determine the categories, key words and anything
    else used to categorize or describe businesses for the purposes of users
    finding them by using the Services. Moreover, Retail Info may change at any
    time its methods and algorithms used to help users find the information they are looking
    for, including changes
    to business categories and classifications as well as
    to various key words or terms. Service providers further agree as a condition for with Retail Info that
    Retail Info reserves the right to re-classify Content, entitling Retail Info to
    withdraw Content from one category and to re-publish Content in another category.

  • Retail Info may terminate, at its own
    discretion, any registration or Service whether active or inactive, including
    without limitation any or all related information, communications, postings,
    web pages, websites or services, at any time, without notice, for any reason or
    no reason, including without limitation for conduct that violates local, state
    or federal laws or regulations or the Terms, or material that Retail Info, at
    its own discretion, believes is harmful
    to others, the business of Retail Info or other third party information or
    service providers.

  • Upon submission, registration or
    request to use the Service and on an ongoing basis, you will be asked to
    provide certain business and other information in order for you to effectively
    advertise on Retail Info. For Retail Info to properly communicate with you and
    for other purposes such as billing (together
    “Content”). For further
    details on the type of information we collect and how we use the
    information, please see our Privacy Policy and the Terms, in particular Section
    11 below.

  • You
    assume all risk and responsibility for determining whether
    any and all Content is in the public domain, regardless of any
    notices which may be posted on such Content (“Public Content”).

  • Any information supplied by you upon
    registration for the Service and certain other information which we may collect
    is subject to our Privacy Policy in Section 11
    below.

  1. Retail Info reserves the right to
    charge a set-up and/or administration fee from your account upon registration or upon renewal
    of the Service but will only do so by first providing you with notice of
    any such charge.

  • As a registrant of the Service, you
    acknowledge that there is no guarantee that your Public Content will be located
    or used by users of Retail Info, nor is there any obligation on Retail Info to
    make sure that users locate or use your Public
    Content.

  • You
    further acknowledge that there may be other
    Service providers’ Public
    Content or other business information provided to Retail Info that may, at any time and for any reason, be shown
    to users ahead of or instead of your Public Content.

Service Provider
Conduct

  1. You,
    as a Service provider and user of the Service,
    understand that all information contained in your Content, whether
    publicly posted or privately transmitted, is your sole responsibility. This
    means that you are responsible and
    may be held legally liable for all Content that you upload, post or otherwise transmit via the Service or other Services.

  • Retail Info does not control, actively
    monitor or review the Content uploaded, posted, transmitted or made available
    on or through the Service
    and Retail Info will not be responsible for any Content and does not
    guarantee the accuracy, integrity or quality of such Content.

  • Service providers agree at all times
    to deal with any Services, information or products provided by Retail Info or
    accessed via Retail Info or its Services in a manner which complies with all applicable laws
    (including privacy and copyright laws).

  • Service providers must ensure
    that all Content
    provided by them to Retail Info comply
    with the Terms, all applicable legislation, regulations, by-laws,
    ordinances or codes of conduct, including but not limited to the Consumer
    Protection Council Act, Trade Malpractices (Miscellaneous Offences) Act,
    National Information Technology Development Agency Act and similar laws
    applicable in the Federal Republic of Nigeria and the intellectual property
    rights of others. Service providers
    agree to keep Retail Info, its officers,
    employees and agents fully indemnified against any
    losses, costs, expenses, charges, damages or liabilities incurred in relation
    to any actions or claims brought by any person or entity against Retail Info,
    its officers, employees or agents as a result
    of an actual or alleged
    breach by a Service provider
    of any law, regulation, by-law or code of conduct, breach of another’s
    intellectual property rights or such other actions or claims brought as a
    consequence of your use of the Services.

  • Service providers may not assign or
    transfer any rights and obligations under these Terms to any other person or
    entity without Retail Info’s prior written approval. If a Service provider is a
    company, any change in that Service provider’s effective control will be deemed
    an assignment for the purpose of this clause.

Information
Posted on the Advert Service

  1. By transmitting, uploading, posting or
    submitting any Content to the Services you:

  1. declare
    that any Public Content is not confidential, secret or proprietary information
    (which includes Company Name, Phone Number, Contact details, Website Address,
    Logo, Price List, Pamphlets etc)

  1. warrant that no other party has rights
    to the Content and that your transmission, posting, uploading or submission of
    the Content to the Service does not violate any copyright or other laws.

  1. in accordance with the Terms, with
    regard to any Public Content, irrevocably grant Retail Info a perpetual,
    worldwide, non-exclusive, royalty-free right and license to use, reproduce,
    display, perform, adapt, modify, distribute, have distributed and promote such
    content in any form, in all media now known or hereinafter created, anywhere in
    the world, and for any purpose including the waiver of any rights in your contribution.

  • Retail Info will not be obligated to
    actively monitor, review, or otherwise control in any manner, the content users
    post, upload or transmit through the Services or directly to Service providers
    in any form.

  • Where applicable, and subject to the
    Terms, Retail Info will use all reasonable efforts to make a successful
    application for Services ready for public use as soon as practical but Retail
    Info will not be liable
    for any loss or damage
    incurred by an Service provider
    as a result of any failure or delay to do so.

  • Retail Info reserves the right, in its sole discretion, to refuse or remove any Content or other
    information available on or through the Services. Without limiting the
    foregoing, Retail Info will have the right to remove any Content or information
    that violates the Terms of Use or is otherwise objectionable in the Retail
    Info’s sole opinion.

  • By
    submitting Content or other information to the Service,
    you undertake full responsibility
    to.

  1. determine
    whether the information complies with your needs.

  1. determine whether you have adequate
    legal rights to store, reproduce or otherwise use the information in any manner
    contemplated by you. and

  1. comply with any legal obligations,
    including without limitation obligations imposed by copyright, trade secret, defamation,
    indecency, online conduct and acceptable content, privacy and export laws.

If you do not agree to these terms and the
Terms of Use, do not request, submit or register to use the Services.

Third Party
Content

  1. Some portions of the Services or the
    Services in general may include links to Third Party Content. Please see the
    Terms of Use above for further details.

Fees and
Payments

  1. You agree to pay all applicable fees
    and charges incurred by you or any third party using your Service account
    (whether or not authorized by you) at the applicable billing rate during the period in which such fees and charges
    were incurred, including, but not limited
    to applicable taxes, and
    charges for any products or services offered for sale through the Service.

  • Except where otherwise specifically
    stipulated within these Additional Terms, you will be responsible for all
    charges associated with accessing and maintaining a connection to the Services in general (for example, charges
    imposed by an internet access provider, or your local telephone company).

  • Retail Info may offer a number of
    packages, payment methods and cancellation options. These options allow service
    providers to pay upfront for a certain amount of leads and, unless renewed,
    once the credit in their account is used up, the Services will be cancelled.
    Retail Info may, at is sole
    discretion, offer service providers the ability to automatically renew or
    top-up their current package or provide options for service providers to change
    their package. In all cases:

  1. Where a service provider’s account has
    daily spending limits imposed (“Daily Limits”), Retail Info reserves the right, in its absolute
    discretion, to increase,
    decrease or eliminate those Daily Limits should the service provider be receiving
    additional benefit beyond the value determined by the Daily Limit set by the
    service provider or for any other reason that Retail Info believes,
    in its absolute discretion, is detrimental to Retail Info or users of the Services. In no case will the Daily Limit exceed the
    amount of funds remaining in a service provider’s account for that particular package.

  1. The subscription amount paid by the
    service providers is the amount agreed to over the phone with Retail Info or a Reseller or on the order form or invoice
    provided at the time of sale
    including Value Added Tax (VAT) and any other applicable taxes set-up or
    maintenance fees, if any. The
    service provider will adhere to any payment terms contained in an order form or
    invoice or as otherwise agreed between the service provider and Retail Info or
    a Reseller over the phone.

  1. Nothing prevents Retail Info or its
    agents from taking any action necessary to recover unpaid fees and charges. In the event there is a need for Retail
    Info to collect its unpaid fees and charges, any costs associated with
    collecting unpaid fees (such as debt collectors’ or solicitors’ fees) will
    become the sole liability of the service provider. In this event, Retail Info
    may also submit a default application against the service provider with credit
    reporting agencies.

  1. The invoicing schedules for renewal
    will depend on the agreed package that the service provider purchases as per
    the order form, invoice or verbal agreement.

  • Payments for the Services will be
    invoiced in advance, that is, prior to the start of the Services being made
    available for public use. Where there are no credit terms with a service
    provider, Retail Info reserves the right to delay the commencement of making
    the Services available for public use until the service provider’s funds are
    received by Retail Info or a Reseller.

  • Retail Info reserves the right to change the structure, form and pricing
    of any of its packages at any point in time. However,
    once a particular package is fully paid for by a service
    provider, Retail Info will not alter the structure, form or pricing of
    that particular package without the prior consent of the service provider.

  • Retail Info reserves the right to change the structure, form and pricing
    of any of its packages at any point in time. However,
    once a particular package is fully paid for by an Advertiser, Retail Info will
    not alter the structure, form or pricing of that particular package without the
    prior consent of the Advertiser.

  • VAT
    and any other applicable taxes
    will be charged to the service provider
    for any package or other product or service purchased from Retail Info.

  • If you register for Services with a
    Reseller, it is possible based on your arrangement with that Reseller, that you
    will not be provided with a “Login” to amend your Content as such
    management of your account may be done by the Reseller on your behalf
    as part of the service they provide to you. A Login
    allows a service provider (or a Reseller or both depending on what was agreed) to login to the Services, amend details and track the leads it is receiving
    from users of the Services.

  • To become a registered user, you must
    provide a password and login name for your Login. You are entirely responsible
    if you do not maintain the confidentiality of your password and login name. In
    addition, you are entirely responsible for any and all activities that occur
    using your login name.

  • You agree to notify Retail Info as
    soon as you become aware of any unauthorized use of your login name or any other breach of security in connection with Retail Info,
    the Services or Services in general.

  • The Services will provide reporting to
    the service provider, or its authorized agent (e.g. a Reseller) through the
    Login. When the funds paid by the service provider for a particular package get
    close to full usage, Retail Info and/or its Reseller may issue the service
    provider with a notice, and subject to these Terms of Use, offer the option to
    renew, top-up or purchase a
    different package from Retail Info. All notices will be served in writing and
    will be sent by facsimile or electronic mail to the service provider
    at their respective addresses as specified on the order forms or in their
    Content.

Cancellation
& Refund Policy

All
funds paid to Retail Info by Service Professionals or businesses on activated transactions,

i.e. exchange of services for consideration,
are final and non-refundable. All monies paid by our customers in form of cash are non-interest bearing. All the bonus or freebies are not

refundable. Unutilised and unclaimed wallet
balance or bonus for a period of more than 364 days from the date of credit
shall expire and stand forfeited. No refunds of credits will be processed after
the expiry date. However, if Retail Info is not able to activate the customer’s
account within 30days of receiving credit or customer has not be delivered
absolutely any value, customer can send refund request to business@retailinfo.com.ng The request will be assessed within 3 working
days and customer
will hear from about next steps. All refund rights are reserved to Retail Info.

Disclaimer of
Warranties

In addition to the Disclaimer of Warranties
contained the Terms of Use above which will also apply to Services in the same
manner they apply to Services:

  1. You
    expressly agree that entering or using of the Services
    is at your own risk. No warranty, representation, condition,
    undertaking or term – express or implied, statutory or otherwise – including
    but not limited to the condition, quality, durability, performance, accuracy,
    reliability, non-infringement, merchantability, or fitness for a particular
    purpose or use of the Service is given or assumed;

  • Retail Info makes no warranty or
    guarantee that the Services will: meet your requirements; generate additional
    leads; increase sales, business activity or profits or any other form of
    improvement for your business; lead to any exposure of your business
    or any keywords or other information contained in your
    Content and if such exposure does occur that the placement of your business
    information is ranked highly; or that the Services will be uninterrupted,
    timely, secure, or error-free.

  • Retail Info does not warrant or guarantee
    that any information available on or through the Services will: be free of
    infection by viruses, worms, trojan horses or anything else containing destructive properties; that the information available on or through the Services will not contain material which some individuals
    may deem objectionable; or that the functions or services performed by the Services
    will be uninterrupted or error-free or that defects
    in the Services will be corrected.

  • The Resellers make no warranty nor
    representation that they are employees of Retail Info or that they have any
    control over the operation of the Services or other Services offered by Retail Info;

Limits on Liability

  1. In no event will Retail Info be liable
    to any party for any damages, including without limitation any direct,
    indirect, special, punitive, incidental or consequential damages (including,
    but not limited to, damages for loss of business profits, business
    interruption, loss of programs or information, loss of profits
    or goodwill or loss of use of facilities or equipment),
    or any other damages arising – in any way, shape or form – out of the availability, use, reliance
    on, inability to utilise or improper use of the Services or Services even if
    Retail Info has been

advised of the possibility of such damages
or is negligent, and regardless of the form of action, whether in contract, tort, or otherwise.

  • In no
    event will Retail Info be liable to any party for any delays, inaccuracies,
    errors or omissions with respect to the Services or the information or the
    transmission or delivery of all or any part thereof, for any damage arising
    therefrom or occasioned thereby, or for the results obtained from the use of
    information available on or through the Services or Services. You expressly agree that Retail Info will not be responsible or liable for any loss of data,
    nor will it be required to return any lost data,
    resulting from the suspension or deletion of user information, network or
    system outages, file corruption or any other
    reasons.

  • Retail Info urges you to maintain
    backup versions of your Content to guard against losses of any kind. You
    expressly agree that Retail Info will not be liable for any conduct by users of the Services or Services and will not
    be responsible or liable for the accuracy, usefulness or availability of any
    information transmitted, uploaded, posted or made available on or through the
    Services or Services. You expressly agree to indemnify and hold harmless Retail
    Info, its subsidiaries, affiliates, officers, agents, co-branders and other
    partners, and its and their respective employees, from and against any and all
    damages, liabilities, actions, causes of action, suits, claims, demands,
    losses, costs and expenses (including without limitation reasonable attorneys’
    fees and disbursements and court costs) arising from or in connection with your Content, your use of or connection to the Services
    or Services, your violation of these
    Terms, your violation of any rights of any third party in any way or your
    violation of any law.

  • Notwithstanding the above, Retail
    Info’s aggregate liability to the Service provider will be at Retail Info’s discretion.

Privacy

  1. The Service provider and/or any
    guarantor(s) agree that Retail Info may exchange information about the Service
    provider and guarantor(s) with those credit providers named in an application
    for a credit account or named in a consumer credit report issued by a reporting
    agency for the following purposes:

  1. To assess an application by a Service provider,

  1. To notify other credit Providers of a
    default by the Service provider,

  1. To exchange information with other
    credit providers as to the status of this credit account, where the Service
    provider is in default with other credit providers, an

  1. To assess the credit worthiness of
    Service provider and/or any of its guarantor(s).

  • The Service provider consents to to
    collect overdue payment on commercial credit

  • The Service provider agrees that any
    personal data provided may be used and retained by Retail Info for the following purposes and for other purposes
    as will be agreed between the Service provider and Retail Info or required by
    law from time to time:

  1. The
    provision of Services or other related services,

  1. The marketing of Services and/or other
    products by Retail Info, its agents or distributors in relation to the Services,

  1. Analyzing, verifying and/or checking
    the Service provider’s credit, payment and/or status in relation to provision
    of Services or related services,

  • Our
    Services are designed
    to allow Service
    providers to make available to the general
    public the Public Content. Consequently, by submitting any Public
    Content, you thereby waive any privacy expectations you have with respect to
    our use of your information provided to us. If you do not wish to have your
    information about yourself viewed by or disclosed to others, please do not use
    our Services.

Use of Cookies and other Tracking Devices

  1. We use cookies to collect information
    about your use of our Website and Services, such as your browser type, your ISP
    or operating system, your domain name, your access time, the URL of the
    previous website you visited, your page views, your IP address, and the type of
    device that you use. We also track how frequently you visit our Website and use
    our Services. We use this information for Website analytics (including to
    determine which portions of our Website are used most frequently, what our
    users like/do not like), to assist us in determining relevant advertising (both
    on and off our Website), to evaluate the success of our advertising campaigns,
    and as otherwise described in this policy. Currently, we do not honour browser
    requests not to be tracked.

  • We may obtain your device ID, which is
    sent to Retail Info’s servers and used in fraud prevention efforts.

Cookies: We collect information from you by using cookies. A cookie is a small file stored on
user’s computer hard drive containing information about the user. The cookie
helps us analyze web traffic or
informs you about your use of a particular website. Cookies allow web
applications to respond
to you as an individual, tailoring its operations to your needs,
likes and dislikes by gathering and remembering information about your preferences. When you visit
the Website, we may send one or more cookies (i.e., a small text file
containing a string of alphanumeric characters) to your computer that
identifies your browser.

  • Some of these cookies may be connected
    to third-party companies or websites. The terms of use of such cookies are
    governed by this Policy and the privacy policy of the relevant third party
    company or website. For example, Google measures the performance of
    advertisements by placing cookies
    on your computer
    when you click
    on ads. If you visit the Website
    when you have such cookies on
    your computer, we and Google will be able to tell that you saw the ad delivered
    by Google. The terms of use of these cookies are governed by this Policy and
    Google’s Privacy Policy.

Disabling
Cookies:
You can choose to
accept or decline cookies. Most web browsers automatically accept cookies, but
you can usually modify your browser setting to decline

cookies if you prefer. If you disable cookies
you may be prevented from taking full advantage of the Website because
it may not function properly
if the ability to accept
cookies is disabled.

Clear
GIFs, pixel tags and other technologies:
Clear GIFs are tiny graphics with a unique identifier,
similar in function to cookies. In contrast
to cookies, which are stored on your computer’s hard drive, clear GIFs are
embedded invisibly on web pages. We may use clear GIFs (a.k.a. web beacons, web
bugs or pixel tags), in connection with our Website to, among other things,
track the activities of Website visitors, help us manage content, and compile
statistics about Website usage. We and our third party service providers also
use clear GIFs in HTML emails to our customers, to help us track email
response rates, identify
when our emails are viewed, and track whether our
emails are forwarded.