PRIVACY AND ANTI-SPAM POLICY

CLEMENT ASHLEY & COMPANY LIMITED values you as a customer and your right to privacy. Except as may be otherwise required by law, CLEMENT ASHLEY & COMPANY LIMITED will exercise commercially reasonable efforts to ensure that your personal information remains confidential and available only to CLEMENT ASHLEY & COMPANY LIMITED and its employees. CLEMENT ASHLEY & COMPANY LIMITED will not sell or share your personal information to third parties.

We will not send mail or newsletters or other marketing information to you except you opt-in for such mail. However should you opt-in you will continue to receive mail until you opt-out. All requests to opt-out will be promptly treated. Please allow at least 48 hours for cancellation of your opt-in to take effect.

PAYMENT TERMS AND CONDITIONS

You will be charged the prices quoted for products/services you have selected for purchase  at your target price/currency.Prices quoted in different currencies are not a conversion they are variable as stated on the payment page. It is your responsibility to study the prices and decide which currency option best suits you. We assume that you will use a payment instrument denominated in the currency option of your choice, Where you have selected a currency option and the underlying card you are using for payment, is in a currency different from the currency option selected, a conversion from the underlying currency of your card to the currency option selected will be carried out at conversion rates guided by the Central Bank of Nigeria at the time.

It is your responsibility to promptly notify your bank of any changes to your billing information, or of any loss, theft, or unauthorized use of your credit card number. You are responsible for updating your registration information and your credit card information, as applicable.

Notwithstanding any statements on the web pages or these bullet points, the Terms and Conditions are the agreement between you and CLEMENT ASHLEY & COMPANY LIMITED. By submitting each order at checkout, you confirm and affirm that you have read, understood and agree to the Terms and Conditions, of the form in which they appear at the time the order is submitted at checkout.

IMPORTANT - OTHER TERMS AND CONDITIONS OF USE

   1. Communications. CLEMENT ASHLEY & COMPANY LIMITED shall conclusively presume that online communications received from you through your use of the online order form and registration process are accurate, complete, and authorized by you as received by CLEMENT ASHLEY & COMPANY LIMITED. You agree not to contest the validity and binding legal effect of those communications.

   2. Confidentiality. CLEMENT ASHLEY & COMPANY LIMITED values you as a customer and your right to privacy. Except as may be otherwise required by law, CLEMENT ASHLEY & COMPANY LIMITED (i) will exercise commercially reasonable efforts to ensure that your credit card information remains confidential and is available only to personnel who have a need to know such information in connection with providing you with CLEMENT ASHLEY & COMPANY LIMITED online payment services or otherwise for CLEMENT ASHLEY & COMPANY LIMITED general business purposes and (ii) will not sell your name, address or similar personal information to third parties or permit the use of such information outside the scope of the CLEMENT ASHLEY & COMPANY LIMITED online payment service or CLEMENT ASHLEY & COMPANY LIMITED general business purposes. Clement Ashley & Company Limited may, and reserves the right to, use and disclose internally within CLEMENT ASHLEY & COMPANY LIMITED any aggregated information, including information you provide to CLEMENT ASHLEY & COMPANY LIMITED, regarding CLEMENT ASHLEY & COMPANY LIMITED customers and usage of the online payment service, for any purpose.

Please note that We also use your information for assessment and analysis such as to determine what kinds of products, services and sections of our site may be of greatest interest to you. Your information also helps us to develop and improve on our existing products and services.


   3. Service Charges. Interswitch shall be entitled to charge fees per transaction for use of this payment platform. Each transaction shall attract a charge of 1.25% subject to a maximum of N2,000 on a per transaction basis on a continuous basis (as long as the WebPay services is being used). Vpay shall charge 3% on all transactions and Clement Ashley & Co. shall charge 2% on all international payments. This schedule will be amended from time to time as required without notice.

   4. Changes to Terms and Conditions. CLEMENT ASHLEY & COMPANY LIMITED reserves the right to, from time to time, with or without notice to you, in CLEMENT ASHLEY & COMPANY's sole discretion, amend the Terms and Conditions for use and purchases and or sales regarding the online payment services. Any amendments by CLEMENT ASHLEY & COMPANY LIMITED will be effective only as to orders you place subsequent to CLEMENT ASHLEY & COMPANY LIMITED revisions of these Terms and Conditions on the web site to reflect the amendments. CLEMENT ASHLEY & COMPANY LIMITED will plan to notify you of any material amendments to the Terms and Conditions, however, it is your responsibility to review the Terms and Conditions prior to submitting each order and CLEMENT ASHLEY & COMPANY LIMITED has no responsibility to notify you of any changes prior to effectiveness of the changes or otherwise.


REFUND POLICY

As a policy goods and services once purchased and delivered are not subject to refund. In certain limited circumastances, certain products can be exchanged. See Return/exchange policy for details.


RETURN/EXCHANGE POLICY

Online purchases electronically downloaded or uploaded cannot be returned or exchanged. Products deliverd by post cannot be returned for exchange except where physical evidence exists of manufacturer's error. However such Products must be reeturned for exchange within 21 days of original purchase in line with the conditions of exchange on the product package.



CANCELLATION POLICY

Be sure to carefully follow instructions on all payment pages, ensure to submit your payment information only once. Duplicated submissions cannot be cancelled and will be treated as multiple purchases.

DELIVERY TERMS AND CONDITIONS

All physical delivery will be done by DHL courier service. DHL standard rates apply. Deliveries within Nigeria will be done within 7 working days. Deliveries outside Nigeria will be done between 7 and 14 working days in line with DHL's delivery standard terms.


OTHER TERMS AND CONDITIONS OF USE


SECURITY ISSUES - YOUR RESPONSIBILITIES

Do not give out your account information. Your account information includes but not limited to your username, login password and transaction password.

Do not expose your account information in a place accessible by others(e.g. a cybercafe) including your PC.

Never supply privileged account information such as but not limited to your username, password, transaction password through any email system.

Never leave your PC unattended while you are logged on to the scured area on our website.

Make sure you have the latest security updates and patches. Install and regularly update your authorised anti-virus software, Use your authorised personal firewalls and anti-spyware programs.

Keep them to yourself - Do not be tempted to share your passwords with anyone. No one at CLEMENT ASHLEY & COMPANY LIMITED will ever ask you for your password. If someone does ask you for it – the person does not represent CLEMENT ASHLEY & COMPANY LIMITED.

Be unique - Try and create passwords that are unique and not easy to guess


Use letters and numbers - Passwords containing upper and lower case letters, numbers and special characters are far harder to guess.

Be different - Avoid using the same password for different services.

Don't be personal - Do not be tempted to use passwords that can easily be guessed e.g. your name, your date of birth, telephone numbers, pet's name, spouse name e.t.c.

Never write them down - If you really need to record your password then use a code system, e.g. transpose some of the letters.

Change your passwords - Always change passwords as they may be compromised over time.

SECURITY ADVICE

Be on your guard against fraud

Fraudsters use different ways to capture secure or personal information from your computer:

1. Phishing - Fraudsters send emails claiming to be from us asking you to go to a fake CLEMENT ASHLEY & COMPANY LIMITED website. By typing your personal details, fraudsters can capture your secure information and then access your account to make fraudulent payments.

We'll never ask you to disclose any of your personal or security details by email or send you a link to our Online company website.

2. Trojans - Fraudsters may secretly install software known as a Trojan (as in Trojan Horse) onto your PC. This may be downloaded when you visit certain websites or if you open or respond to malicious emails.



OUR RESPONSIBILITIES    


Secure Sessions
When you log in to on-line store or payment area. You are in a secure session if the URL address begins with https:// or a padlock symbol appears in the lower right hand corner of your browser.

Automatic Lock-out
When you attempt to log in for payment purposes three times with no success, we assume the attempt is not by the account holder or authorised person and therefore automatically lock the account. Reactivation of the account will require the account holder to complete a duly signed reactivation form.

Encryption
Secure Sockets Layer (SSL) Encryption technology is used within payment sessions to encrypt your personal information before it leaves your computer in order to ensure no one else can read it. Depending on your browser setting, a pop-up window will appear to notify you that you will be entering a secured page.

At CLEMENT ASHLEY & COMPANY LIMITED, we use 128-bit SSL Encryption, which is accepted as the industry standard.We also subscribe to Hackersafe are audited daily and comply with PCI Standards.


Session Time-out
If you forget to log-off after payment online, or your computer remains inactive for a period of time during a session, then our systems automatically log you off after 20 mins. Pages viewed during a secure session are not recorded in your PC's temporary files.

Technology
We use many layers of security – for obvious reasons we cannot disclose all of them, but the following are typically used:

All our operating systems are updated with the latest security patches
Our anti-virus software is kept updated. We use firewalls to prevent unauthorised intrusion

Identity Privacy
We use log-ins and passwords to make sure we're dealing with you. Online access to your account is only possible once you have authenticated yourself using the correct username   and password. For this reason, it is vital that you do not share your password and do not use the same password for other services (e.g., Yahoo, Hotmail, etc.)

CLEMENT ASHLEY & COMPANY LIMITED has estabilished security standards and procedures which are periodically reviewed and tested in order to safeguard and protect customer information. As a result of this, we can and will treat your personal and financial information that may come to our knowledge with utmost secrecy and confidentiality such that your information shall not be made known to a third party without your express authorization unless otherwise required by law.


GENERAL TERMS AND CONDITIONS

The following terms and conditions shall govern the CLEMENT ASHLEY & COMPANY LIMITED  Electronic Services.

1. Definitions

"Customer" means a customer of CLEMENT ASHLEY & COMPANY LIMITED  who has registered an account with the company on its website.

"The Company" means CLEMENT ASHLEY & COMPANY LIMITED .

"User name and Password" means the enabling code with which you access the system and which is known to you only.

"Account" means an on-line registration which gives you access to restricted services on the website.

"PIN" means your personal identification number where applicable.

"Mailing Address" means the customer’s mailing address in the company’s database records.

"Instruction" means the customer’s request to the company for the services.

2.The service allows the Customer to insruct the company to deliver the selected service and charge the stated fee(s).

2(b) On receipt of instructions, the company will endeavour to carry out the customer’s instructions promptly, excepting all or any unforseen circumstances such as Act of God, Force Majeure, and other causes beyond the company’s control.

3. Before the service can avail any customer, he/she must have:- any one or a combination of the following:

(i) A website account with the company
(ii) A Passcode, access code, PIN, username and password as requested.


4. Under no circumstances shall the customer allow any body access to his/her account through the service.

5.The Passcode/Access Code/Password
(a)The Customer understands that his/her Passcode, Access Code/Password is used to give instructions to the company and pament platform providers and accordingly undertakes:

(i) That under no circumstances shall the Passcode, Access Code/Password be disclosed to any body.

(ii) Not to write the Passcode, Access Code/Password in an open place in order to avoid third party coming across same.

(b) The customer instructs and authorizes the company to comply with any instructions given to the company, through the use of the service.

(c) Once the company is instructed by means of the customer’s Password, passcode, Accesscode and PIN the bank is entitled to assume that those are the instructions given by the customer and to rely on the same.

(d) The customer’s Password, Passcode, Accesscode must be changed immediately it becomes known to some one else.

(e)The companyis exempted from any form of liability whatsoever for complying with any or all instruction(s) given by means of the customer’s Password, Passcode, Accesscode if by any means the Passcode, Accesscode becomes known to a third party.

(f)Where a customer notifies the company of his intention to change his Password,Passcode, Accesscode arising from loss of memory of same, or that it has come to the notice of a third party, the company shall, with the consent of the customer, delete same and thereafter allow the customer to enter a new Password, Passcode, Accesscode PROVIDED THAT the company shall not be responsible for any loss that occurs between the period of such loss of memory of the Password, Passcode, Accesscode or knowledge of a third party and the time the report is lodged with the company.

(g) Once a customer’s Password/Passcode/Accesscode is given, it shall be sufficient confirmation of the authenticity of the instruction given. (h) The customer shall be responsible for any instruction given by means of the customer’s Password/Passcode/Accesscode.

Accordingly, the company shall not be responsible for any fraudulent, duplicate or erroneous instructions given by means of the customer’s Password/Passcode/Accesscode.

6. Customer’s responsibility:
(i) The customer undertakes to be absolutely responsible for safeguarding his username, password, access code, passcode, PIN and password, and under no circumstance shall the customer disclose any or all of these to any person.

(ii) The customer undertakes to ensure the secrecy of his accesscode, passcode,PIN and password by not reproducing same in any manner whatsoever either in writing or otherwise capable of making it known to persons other than the customer.

(iii) The company is expressly exempted from any liability arising from unauthorized access to the customer’s account and/or data as contained in the company’s records via the service, which arises as a result of inability and/or otherwise of the customer to safeguard his PIN Passcode/Accesscode and/or password and/or failure to log out of the system completely by allowing on screen display of his account information.

(iv) The bank is further relieved of any liability as regards breach of duty of secrecy arising out of customer’s inability to scrupulously observe and implement the provisions of clauses 3(i) & (iii) above, and/or instances of breach of such duty by hackers and other unauthorized access to the customer’s account via the service.

(v) The Customer access code and password must be changed immediately it becomes known to anyone else and therefore the customer is under a duty to notify the bank whenever his/her access code and/or password has become known to another person.

(vi) where a customer notifies the bank of his intention to change his access code and/or passcode arising from either his loss of memory of same or that it has come to notice of a third party, the company shall with the consent of the customer, delete same and thereafter allow the customer to enter a new passcode, access code and password. Provided that the bank shall not be responsible for any loss(es) that occurs between the period of such memory of the access code passcode and/or password or knowledge of a third party and the time the report is lodged with the bank.

(vii) the Customer shall be responsible for any fraud, loss and/or liability to the bank or third party arising from usage of the customer’s access code,passcode, PIN and/or password being used by a third party and other unauthorized access. Accordingly the bank shall not be responsible for any fraud that arises from usage of the customer’s access code, passcode, PIN and/or password.

7.Upon enrolling of a customer for the service the customer may be charged the applicable monthly fee and/or usage fee whether or not the customer makes use of the service during the period in question.

8.Under no circumstances will the company be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with this service or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation, transmission, computer virus or line or system failure, even if the bank or its representatives thereof are advised of the possibility of such damages, losses or hyperlink to other internet RESOURCEs are at the Customer risk.

9. Copyright in the pages and in the screens displaying the pages, and in the information and material therein and arrangement is owned by the company.

10. The company shall not be responsible for any electronic virus or viruses that the customer may encounter in course of making use of this service.

RULES OF THE ROAD:

11. For the benefit and security of our Customer and to comply with applicable laws, we have a few mandatory guidelines that we call rules of the road. And conduct that violates the rules of the road is grounds for termination of this services and the company may for whatsoever reason vary these terms and conditions. For this reason, the customer undertakes to:

(i) Provide accurate information.Agree to provide true, accurate, current and complete information about yourself as requested in our registration form and account opening forms and the customer agree not to misrepresent his/her identity or information,which may include user names,password or other access devices for such accounts.

(ii) Obey the law. Customer agrees not to use the service for illegal purposes or for the transmission of material that is unlawful, harassing,libelous (untrue and damaging to others),invasive of another’s privacy, abusive, threatening, or obscene, or that infringe the right of others.

(iii) Restrictions on commercial use or resale. Customer’s right to use the service is personal therefore customer agrees not to assign or make any commercial use of the service.

(iv)Proprietary rights.The customer acknowledges and agrees that the comapny own all rights to this web site and the content displayed on the site.The customer is only permitted to use this content as expressly authorized by the service.Customer may not copy,reproduce, distribute, or create derivative work from this content. A violation of any of the rules (i-iv) is a ground for discontinuation of the service by the company.

DISCLAIMERS OF WARRANTIES

12.The customer expressly understands and agrees that use of the service is at his sole risk. The service is provided on an available basis. The comapny expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

13.The company makes no warranty that
(i)The service will meet Customer requirements
(ii)The service will be uninterrupted, timely, secure, or error-free
(iii)The results that may be obtained from the use of the service will be accurate or reliable
(iv)The quality of any products, services, information or other material purchased or obtained by the customer through the service will meet your expectations,and
(v)Any errors in the technology will be corrected.


14.Any material downloaded or otherwise obtained through the use of the service is done at customer’ own discretion and risk and the company is not responsible for any damage to customer’s computer system or loss of data that results from the download of any such material. No advice or information, whether oral or written, obtained by customer from us or through or from the service will create any warranty not expressly stated in these terms.

LIMITATIONS OF LIABILITY

15.Customer agree that the company will not be liable for any liability, whether direct, indirect, incidental,special, consequential or exemplary damages, including but not limited to damages for loss of profits,goodwill, use or other intangible losses, even if we have been advised of the possibility of such damages,resulting from:

(i)The use or the inability to use the service

(ii)The cost of getting substitute goods and service resulting from any products,data, information or services purchased or obtained or messages received or transactions entered into through or from the service;

(iii)Unauthorised access to or alteration or your transmission of data;

(iv)Statements or conduct of anyone on the service; or

(v)Any other matter relating to the service.

16.Indemnification.

Except when caused by the company’s intentional misconduct or gross negligence,customer agree to protect and fully compensate the company and its affiliates and service providers from any/and all third party claims,liability, damages, expenses and costs (including, but not limited to,legal fees) caused by or arising from customer’s use of the service,violation of the terms or infringement, or infringement by any other user of customer’s account, of any intellectual property or other right of anyone.

17.Service changes and discontinuation.

The company reserve the right to change or discontinue, temporarily or permanently, the service at any time without notice. In other to maintain the security and integrity of the service the company may also suspend customer’s access to the service at any time without notice. Customer agree that the company will not be liable to the customer or any third party for any modification or discontinuation of the service.

18.Others.
The company shall not be considered an agent or other legal representative of the customer for any purpose by reason of this agreement and/or any other party whom the customer is using this service to pay.

This agreement cannot be changed by the customer nor any of the companys rights waived unless the company agrees in writing or customer continue using the service following receipt of notice of any changes proposed by the company.

This agreement is personal to the customer and the customer may not assign it to anyone.

All notice to the customer shall be in writing via the address (postal or e-mail) the customer has provided to the company, all notices to the company must be made in writing sent to the company’s physical office address.

The company and the customer shall be an independent contractor, and nothing contained in this agreement shall be deemed to create any association, partnership, joint venture, or relationship of principal, agent or master and servant, employer or employee between parties.

 
IMPORTANT - LEGAL NOTICE

ONLINE TERMS AND CONDITIONS:

NOTICE

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS AND DATA PROTECTION AND PRIVACY POLICY BEFORE USING THE ONLINE SERVICES OR THIS WEB SITE.

THIS IS A LEGALLY BINDING AGREEMENT BETWEEN YOU AND CLEMENT ASHLEY & COMPANY LIMITED ESTABLISHING THE TERMS AND CONDITIONS UNDER WHICH THIS WEB SITE MAY BE USED. USE OF THE ONLINE SERVICE IMPLIES THAT YOU ACCEPT THESE TERMS AND CONDITIONS.

IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS DO NOT ACCESS THIS WEB SITE AND DO NOT USE THE ONLINE SERVICES.
       

LEGAL

1. General Use of the Website

LEGAL STATEMENT1.1 This agreement governs your use of the Clement Ashley & Company Limited website (the "Service"), including Discussion Areas, which is operated by CLEMENT ASHLEY & COMPANY LIMITED, ("CLEMENT ASHLEY & COMPANY LIMITED "). Additional terms and conditions of use applicable to specific areas of the Service may also be posted in such areas and, together with this agreement, govern your use of those areas. This agreement, together with any such additional term and conditions, are referred to as this "Agreement."

1.2 CLEMENT ASHLEY & COMPANY LIMITED reserves the right, in its discretion, to change or modify all or any part of this Agreement at any time, effective immediately upon notice published on the Service. Your continued use of the Service constitutes your binding acceptance of these terms and conditions, including any changes or modifications made by CLEMENT ASHLEY & COMPANY LIMITED Int'l Plc as permitted above. If at any time the terms and conditions of this Agreement are no longer acceptable to you, you should immediately cease all use of the Service.


2.INTELLECTUAL PROPERTY RIGHTS

2.1 All contents of this Web Site including, but not limited to the text, software, graphics, links, video and sounds are the copyright ofCLEMENT ASHLEY & COMPANY LIMITED and may not be copied, downloaded, distributed or published in any way without the prior written consent of the company.

2.2"Clement Ashley Consulting", "CLEMENT ASHLEY & COMPANY LIMITED", are registered trade marks and service marks of the proprietors of CLEMENT ASHLEY & COMPANY LIMITED Standard Chartered PLC and no permission or licence is granted to use any such trade marks or service marks without the prior written consent of Standard Chartered PLC. All other marks names and logos used on this Web Site (unless otherwise stated) are the intellectual property rights held by companies within the Standard Chartered Group.

2.3 In relation to any information or materials which you submit to CLEMENT ASHLEY & COMPANY LIMITED using this Web Site, you hereby grant to CLEMENT ASHLEY & COMPANY LIMITED a worldwide royalty-free perpetual licence of the copyright and intellectual property rights in such information or materials for any purpose it deems including, without limitation, the copying, transmission, distribution and publication thereof, unless restricted by applicable law.

2.4 You agree that CLEMENT ASHLEY & COMPANY LIMITED shall not be under any obligation of confidentiality to you regarding any such information or materials submitted to it using this Web Site unless agreed otherwise in a separate direct contract between you and CLEMENT ASHLEY & COMPANY LIMITED or required by law.

2.5 You acknowledge that the contents of the foregoing provisions shall not limit any specific provisions set out in the individual terms and conditions of particular products and services offered on or through this Web Site.      
 
 
3. Use of Content

3.1 You acknowledge that the Service contains information, software, photographs, audio and video clips, graphics, links and other material (collectively, the "Content") that are protected by copyright, trademark or other proprietary rights of CLEMENT ASHLEY & COMPANY LIMITED or third parties. All Content on the Service is copyrighted as a collective work of CLEMENT ASHLEY & COMPANY LIMITED  pursuant to applicable copyright law. You agree to comply with any additional copyright notices, information, or restrictions contained in any Content available on or accessed through the Service. Users of the Service may use the Content only for their personal, noncommercial use.

3.2 You may not modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, display, or in any way exploit any of the Content, in whole or in part, except as expressly permitted in this Agreement. Content consisting of downloadable software may not be reverse engineered unless specifically authorized by the owner of the software's patent and/or copyright. You may post on the Service any Content owned by you (such as your original statements), Content for which you have received express permission from the owner and Content in the public domain. You assume all risk and responsibility for determining whether any Content is in the public domain. You grant to CLEMENT ASHLEY & COMPANY LIMITED the right to edit, copy, publish, distribute, translate and otherwise use in any medium any Content that you place on the Service without compensation to you. You represent and warrant that you are authorized to grant all rights set forth in the preceding sentence.

3.3 You may download or copy the Content only for your own personal noncommercial use, provided that you maintain all copyright and other notices contained in such Content. You shall not store electronically any significant portion of any Content. Except as expressly permitted by the copyright laws, no copying, storage, redistribution or publication of any Content is permitted without the express permission of CLEMENT ASHLEY & COMPANY LIMITED  or the owners of such Content or their authorized persons, if other than Clement Ashley & Company Limited. You may download from the Service any Content in the public domain for your own personal use or for non-commercial redistribution.

4. No Endorsement

4.1 CLEMENT ASHLEY & COMPANY LIMITED does not represent or endorse the accuracy or reliability of any Content posted on any Interactive Area and you acknowledge that any reliance upon such Content shall be at your sole risk. Any Content placed on any Interactive Area by users represents the views of the user posting the statement, and does not represent the views of CLEMENT ASHLEY & COMPANY LIMITED Int'l Plc.

4.2 The Service may contain links to sites on the Internet which are owned and operated by third parties (the "External Sites"). You acknowledge that CLEMENT ASHLEY & COMPANY LIMITED is not responsible for the availability of, or the content located on or through, any External Site. You should contact the site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.

5. Indemnity

You agree to indemnify, defend and hold CLEMENT ASHLEY & COMPANY LIMITED and its affiliates, and their respective officers, directors, owners, agents, information providers and licensors (collectively, the "CLEMENT ASHLEY & COMPANY LIMITED Parties") harmless from and against any and all claims, liability, losses, costs and expenses (including attorneys' fees and legal expenses on a full indemnity basis) incurred by any CLEMENT ASHLEY & COMPANY LIMITED Party in connection with any use or alleged use of the Service under your password by any person, whether or not authorized by you. Clement Ashley & Company Limited reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with CLEMENT ASHLEY & COMPANY LIMITED's defense of such claim.

6. Disclaimer of Warranties; Limitation of Liability.

6.1 Neither CLEMENT ASHLEY & COMPANY LIMITED nor any provider of third party content or their respective agents warrants that the service will be uninterrupted or error free; nor does CLEMENT ASHLEY & COMPANY LIMITED Int'l Plc, any third party content provider, or their respective agents make any warranty as to the results to be obtained from use of the service or the content. The service and the content are distributed on an "As is, as available" basis. None of CLEMENT ASHLEY & COMPANY LIMITED, third party content providers and their respective agents make any warranties of any kind, either express or implied, including, without limitation, warranties of title or implied warranties of merchantability or fitness for a particular purpose, with respect to the service, any content or any products or services sold through the service.

Neither CLEMENT ASHLEY & COMPANY LIMITED nor any third party content provider warrants that any files available for downloading through the service will be free of viruses or similar contamination or destructive features. You expressly agree that the entire risk as to the quality and performance of the service and the accuracy or completeness of the content is assumed solely by you.

6.2 Neither CLEMENT ASHLEY & COMPANY LIMITED Int'l Plc, any third party content provider nor their respective agents shall be liable for any direct, indirect, incidental, special or consequential damages arising out of the use of or inability to use the service, even if such party has been advised of the possibility of such damages.
     


7.COMPANY DETAILS

CLEMENT ASHLEY & COMPANY LIMITED is incorporated in Nigeria RC Number 208729 is situated in 27, Dolphin Plaza, Dolphin Estate, Ikoyi, Lagos, Nigeria. 'Clement Ashley Consulting' is a registered Trademark owned by the proprietors of Clement Ashley & Company Limited and licensed for use by Clement Ashley & Company Limited for its Consulting Business.

8.JURISDICTION AND RESTRICTIONS

Clement Ashley and Company Limited controls and maintains this Web Site from Nigeria and makes no representation that the material and information contained herein is appropriate or available for use in other locations/jurisdictions. These Terms and Conditions are governed by Nigerian Law and any dispute shall be subject to the non-exclusive jurisdiction of the Nigerian Courts.

Please note transactions with any office of Clement Ashley & Company Limited outside the Nigeria, or with any other CLEMENT ASHLEY & COMPANY LIMITED company or affiliate outside Nigeria are not protected by Nigerian law.

THE DISTRIBUTION OF THIS WEB SITE'S MATERIAL MAY BE RESTRICTED BY LAW IN CERTAIN JURISDICTIONS. IT IS YOUR RESPONSIBILITY TO FIND OUT WHAT THOSE RESTRICTIONS ARE AND OBSERVE THEM.


9.0 PRODUCTS AND SERVICES

The information and material on this Web Site should not be regarded as an offer, solicitation, invitation, advice or recommendation to buy or sell information products or any other products or services of CLEMENT ASHLEY & COMPANY LIMITED or any other partner or affiliate. Use of the products or services described at this Web Site may not be permitted in some countries and if in doubt, you should check with your local Regulator or Authority before requesting further information. This Web Site does not constitute an offer on the part of Clement Ashley and Company Limited to provide products or services described therein to persons or entities resident in countries where local law or regulation does not permit their use.

Products and services are available only at the discretion of Clement Ashley & Company or Associates, subject to the products and services individual contractual terms and conditions on which they are offered and such products and services may be withdrawn or amended at any time without notice. The full range of products or services may not be available in all locations.

9.1 DISCLAIMER

CLEMENT ASHLEY & COMPANY LIMITED MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY REGARDING THIS WEB SITE OR THE MATERIALS AND INFORMATION CONTAINED OR REFERRED TO ON EACH PAGE ASSOCIATED WITH THIS WEB SITE. THE MATERIAL AND INFORMATION CONTAINED ON THIS WEB SITE IS PROVIDED FOR GENERAL INFORMATION ONLY AND SHOULD NOT BE USED AS A BASIS FOR MAKING BUSINESS DECISIONS. ANY ADVICE OR INFORMATION RECEIVED VIA THIS WEB SITE SHOULD NOT BE RELIED UPON WITHOUT CONSULTING PRIMARY OR MORE ACCURATE OR MORE UP-TO-DATE SOURCES OF INFORMATION OR SPECIFIC PROFESSIONAL ADVICE. YOU ARE RECOMMENDED TO OBTAIN SUCH PROFESSIONAL ADVICE WHERE APPROPRIATE.

GEOGRAPHIC, POLITICAL, ECONOMIC, STATISTICAL, FINANCIAL AND EXCHANGE RATE DATA IS PRESENTED IN CERTAIN CASES IN APPROXIMATE OR SUMMARY OR SIMPLIFIED FORM AND MAY CHANGE OVER TIME. RELIANCE HAS BEEN PLACED BY THE EDITORS ON CERTAIN EXTERNAL STATISTICAL DATA WHICH, THOUGH BELIEVED TO BE CORRECT, MAY NOT IN FACT BE ACCURATE. CLEMENT ASHLEY & COMPANY LIMITED ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY FROM ACTION TAKEN, OR NOT TAKEN, IN RELIANCE ON MATERIAL OR INFORMATION CONTAINED ON THIS WEB SITE. IN PARTICULAR, NO WARRANTY IS GIVEN THAT ECONOMIC REPORTING INFORMATION MATERIAL OR DATA IS ACCURATE RELIABLE OR UP TO DATE.

CLEMENT ASHLEY & COMPANY LIMITED ACCEPTS NO LIABILITY AND WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING SPECIAL, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE) FROM YOUR USE OF THIS WEB SITE, HOWSOEVER ARISING, AND INCLUDING ANY LOSS, DAMAGE OR EXPENSE ARISING FROM, BUT NOT LIMITED TO, ANY DEFECT, ERROR, IMPERFECTION, FAULT, MISTAKE OR INACCURACY WITH THIS WEB SITE, ITS CONTENTS OR ASSOCIATED SERVICES, OR DUE TO ANY UNAVAILABILITY OF THE WEB SITE OR ANY PART THEREOF OR ANY CONTENTS OR ASSOCIATED SERVICES.

PLEASE NOTE THAT ANY SOFTWARE DOWNLOADED FROM THIS WEB SITE IS AT YOUR OWN RISK AND CLEMENT ASHLEY & COMPANY LIMITED NEITHER ASSUMES NOR ACCEPTS LIABILITY FOR ANY LOSS OR DAMAGE, (WHETHER DIRECT OR INDIRECT), HOWSOEVER CAUSED, AS A RESULT OF ANY COMPUTER VIRUSES, TROJAN HORSES, WORMS, SOFTWARE BOMBS OR SIMILAR ITEMS OR PROCESSES ARISING FROM YOUR USE OF THIS WEB SITE.

ANY HYPERLINKS FROM THIS WEB SITE EXIST FOR INFORMATION PURPOSES AND ARE FOR YOUR CONVENIENCE ONLY AND CLEMENT ASHLEY & COMPANY LIMITED ACCEPTS NO LIABILITY FOR ANY LOSS OR DAMAGE ARISING DIRECTLY OR INDIRECTLY (INCLUDING CONSEQUENTIAL LOSS) FROM THE ACCURACY OR OTHERWISE OF MATERIALS OR INFORMATION CONTAINED ON THE PAGES OF SUCH SITES OR LOSS ARISING DIRECTLY OR INDIRECTLY FROM DEFECTS WITH SUCH SITES. CLEMENT ASHLEY & COMPANY LIMITED'S INCLUSION OF HYPERLINKS DOES NOT IMPLY ANY ENDORSEMENT OF THE MATERIAL ON SUCH SITES.

CLEMENT ASHLEY & COMPANY LIMITED DOES NOT GUARANTEE THAT ANY E-MAILS FROM THE WEB SITE WILL BE SENT TO YOU OR RECEIVED BY CLEMENT ASHLEY & COMPANY LIMITED NOR DOES CLEMENT ASHLEY & COMPANY LIMITED WARRANT THE PRIVACY AND/OR SECURITY OF E-MAILS DURING INTERNET TRANSMISSION.

9.2 USE AND DISCLOSURE OF PERSONAL INFORMATION

Unless restricted by applicable law, you agree that any and all personal information/data relating to you collected by CLEMENT ASHLEY & COMPANY LIMITED from this Web Site from time to time may be used and disclosed for such purposes and to such persons as may be in accordance with CLEMENT ASHLEY & COMPANY LIMITED's current Data Protection and Privacy Policy.

A copy of CLEMENT ASHLEY & COMPANY LIMITED's current Data Protection and Privacy Policy may be accessed by clicking here.



9.3 TERMINATION

CLEMENT ASHLEY & COMPANY LIMITED may terminate this Agreement, your access to this Web Site and use of its service at any time, with or without cause or notice.

9.4 MODIFICATION

CLEMENT ASHLEY & COMPANY LIMITED reserves the right in its discretion to change without prior warning or notice any information or material contained on this Web Site and the terms and conditions under which this Web Site and service is used.


 
               
                     
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