Terms and Conditions

Last updated: this is a general draft template and should be reviewed and adapted to reflect your actual business practices and applicable law before publication.

1. Acceptance of Terms

By accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you are using the Service on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms. If you do not agree with any part of these Terms, you must not use the Service.

2. Description of Service

NairaRefinery AI provides AI-driven data analysis and decision-support tools intended to assist businesses and investors in evaluating financial and operational information. The Service is provided for informational purposes and does not constitute financial, investment, tax, or legal advice. Outputs generated by the Service, including analyses, projections, and recommendations, are based on algorithmic processing of available data and may contain errors, omissions, or inaccuracies.

3. Eligibility and Account Registration

To access certain features, you may be required to request access and provide accurate, current, and complete information about yourself or your organization. You are responsible for maintaining the confidentiality of any credentials associated with your account and for all activity that occurs under your account. You must notify us promptly of any unauthorized use or suspected security breach.

4. Acceptable Use

You agree not to use the Service to: (a) violate any applicable law or regulation; (b) infringe the intellectual property or other rights of any third party; (c) transmit malicious code or attempt to gain unauthorized access to our systems; (d) reverse engineer, decompile, or attempt to extract the underlying models or source code of the Service; (e) resell, sublicense, or redistribute the Service without our prior written consent; or (f) use the Service in a manner that could damage, disable, or impair its operation.

5. No Financial or Investment Advice

Nothing produced by NairaRefinery AI constitutes a recommendation to buy, sell, hold, or otherwise transact in any financial instrument, currency, or asset. All decisions made using information derived from the Service are made at your own discretion and risk. You should consult qualified professional advisors before making financial or investment decisions.

6. Subscription, Fees, and Access

Access to certain features may be subject to approval, subscription fees, or other commercial terms communicated separately at the time access is granted. Fees, where applicable, are described in the applicable order form or account agreement and are non-refundable except as required by law or as otherwise expressly stated.

7. Intellectual Property

All content, software, design elements, trademarks, and other materials associated with the Service are owned by NairaRefinery AI or its licensors and are protected by applicable intellectual property laws. These Terms do not grant you any ownership rights in the Service. You are granted a limited, non-exclusive, non-transferable license to use the Service solely for its intended purpose during the term of your access.

8. Data and Content You Provide

You retain ownership of any data or content you submit to the Service ("Customer Data"). You grant NairaRefinery AI a limited license to process Customer Data solely to provide, maintain, and improve the Service, in accordance with our Privacy Policy. You are responsible for ensuring you have the necessary rights and permissions to submit any Customer Data.

9. Disclaimers

The Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. NairaRefinery AI does not warrant that the Service will be uninterrupted, error-free, or that outputs will be accurate, complete, or suitable for any particular purpose.

10. Limitation of Liability

To the fullest extent permitted by applicable law, NairaRefinery AI, its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunities, arising out of or related to your use of, or inability to use, the Service, even if advised of the possibility of such damages. Our aggregate liability for any claim arising under these Terms shall not exceed the amount, if any, paid by you for access to the Service in the twelve months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless NairaRefinery AI and its affiliates from and against any claims, liabilities, damages, losses, and expenses arising out of or in connection with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

12. Suspension and Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms, poses a security risk, or is otherwise harmful to NairaRefinery AI or other users. You may discontinue use of the Service at any time. Provisions of these Terms that by their nature should survive termination will continue to apply.

13. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at our discretion. We may also revise these Terms from time to time. Material changes will be reflected by updating the "Last updated" date above. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which NairaRefinery AI operates, without regard to conflict of law principles. This is a general placeholder and should be updated to reflect the specific governing law and dispute resolution mechanism applicable to your business.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

16. Contact

Questions regarding these Terms should be directed through the contact channels made available on our website. This page is a general template and should be reviewed and finalized before being relied upon as a binding legal agreement.