By using the Site and our Services, you affirm that you are of legal age to enter into this agreement and that you accept and are bound by these Terms. You may not use our Services if you do not agree to these Terms.

We grant you a limited, non-exclusive, non-transferable, and revocable license to use our Site and Services for your personal or internal business purposes, subject to these Terms. You agree not to use the Services for any purpose that is unlawful or prohibited by these Terms.

As a user of our Site and Services, you agree to:

• Provide accurate, current, and complete information when requested.
• Comply with all applicable local, national, and international laws and regulations.
• Not use the Services to engage in any activity that is fraudulent, harmful, threatening, abusive, defamatory, or otherwise objectionable.
• Not attempt to gain unauthorized access to our systems, user accounts, or data.
• Not introduce any viruses, malware, or other malicious code to the Site.
• Not use any automated system, such as "bots" or "spiders," to access the Site in a manner that sends more request messages to our servers than a human can reasonably produce in the same period.

All content on the Site and included in the Services—including but not limited to text, graphics, logos, images, guides, reports, and software—is the property of Apex Digital Africa or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws.

You may not modify, copy, distribute, transmit, display, reproduce, publish, license, create derivative works from, transfer, or sell any information, content, or software obtained from the Services without our express written permission.

The Site and Services are provided on an "as is" and "as available" basis. Apex Digital Africa makes no warranties, express or implied, regarding the operation of the Services or the information, content, or materials included therein.

To the fullest extent permissible by law, we disclaim all warranties, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Services, its servers, or emails sent from us are free of viruses or other harmful components.

The information provided in our guides and reports is for general informational purposes only and does not constitute professional advice. You should not rely on this information as a substitute for professional legal, financial, or business advice.

To the fullest extent permitted by applicable law, Apex Digital Africa, its directors, employees, partners, or agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of, or inability to access or use, the Services;
• Any conduct or content of any third party on the Services;
• Any content obtained from the Services; and
• Unauthorized access, use, or alteration of your transmissions or content.

Our total liability to you for any and all claims arising from the use of the Services is limited to the amount you have paid us, if any, for the use of our Services.

You agree to defend, indemnify, and hold harmless Apex Digital Africa and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of your use and access of the Service, or a breach of these Terms.

Our Services may contain links to third-party websites or services that are not owned or controlled by Apex Digital Africa. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You further acknowledge and agree that Apex Digital Africa shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in Lagos, Nigeria. The judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach the Terms. Upon termination, your right to use the Services will immediately cease.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms.