Terms of service

REACH TERMS OF USE

The REACH service, together with the REACH website (at www.findreach.com) (the “Site” or “Website”), and e-mail notifications, features, content, applications, widgets, and buttons (collectively, the “Service”) are provided by Reach Technologies, Inc and our affiliates and subsidiaries (collectively, “we,” “our,” or “us”).  

Please read these terms of use carefully before using the Service. These terms are a legally binding agreement between you and us that governs your use of the Service.

Acceptance of Terms

By registering for and/or using the Service, you agree to all of the terms and conditions contained herein ("Terms of Use"), which also incorporate our Privacy Policy, our Acceptable Use Policy and all other operating rules, policies and procedures that may be published from time to time on the Site by us, each of which is incorporated by reference and each of which may be updated by us from time to time without notice to you in accordance with the terms set out under the "Modification of Terms of Use" section below. These Terms of Use apply to all users of the Service, including, without limitation, users who are contributors of content, information, and other materials or services on the Site, and individual users of the Service.

Access

Subject to these Terms of Use, we may offer to provide the Services, as described more fully on the Site, and which are selected by you, solely for your own use, and not for the use or benefit of any third party. Services shall include, but not be limited to, any services we perform for you, any applications or widgets offered by us that you download from the Site or, subject to the terms set out under the "Third party Sites and Services" section below, from third party application stores authorized by us, as well as the offering of any materials displayed or performed on or through the Services (including Content (as defined below))

Registration and Eligibility

You may browse the Site and view Content without registering, but as a condition to using certain aspects of the Service, you are required to register with us and represent, warrant and covenant that you provide REACH with accurate and complete registration information (including, but not limited to a user name ("User Name"), e-mail address, a password you will use to access the Service and banking information) and to keep your registration information accurate and up-to-date. Failure to do so shall constitute a breach of these Terms of Use, which may result in immediate termination of your Service account. We recommend, but do not require, that you use your own name as your User Name so your friends can recognize you more easily.

You shall not:

  1. Create any account for anyone other than yourself without such person's permission;
  2. Use a Username that is the name of another person with the intent to impersonate that person;
  3. Use a Username or Service account that is subject to any rights of a person other than you without appropriate authorization;
  4. Use a Username that is a name that is otherwise offensive, vulgar or obscene or otherwise unlawful.

We reserve the right to refuse registration of, or cancel a Username in our sole discretion. You are solely responsible and liable for activity that occurs on your account and shall be responsible for maintaining the confidentiality of your Service password. You shall never use another user's account without such other user's prior express permission. You will immediately notify us in writing of any unauthorized use of your account, or other account related security breach of which you are aware.

You represent and warrant that if you are an individual, you are of legal age to form a binding contract, or that if you are registering on behalf of an entity, that you are authorized to enter into, and bind the entity to, these Terms of Use and register for the Service. We may, in our sole discretion, refuse to offer the Service to any person or entity and change our eligibility criteria at any time. You are solely responsible for ensuring that these Terms of Use are in compliance with all laws, rules and regulations applicable to you and the right to access the Service is revoked where these Terms of Use or use of the Service is prohibited and, in such circumstances, you agree not to use or access the Site or Services in any way.

Content

All Content, whether publicly posted or privately transmitted, is the sole responsibility of the person who originated such Content. We cannot guarantee the authenticity of any Content or data, which users may provide about themselves. You acknowledge that all Content accessed by you using the Service is at your own risk and you will be solely responsible and liable for any damage or loss to you or any other party resulting therefrom. For purposes of these Terms of Use, the term "Content" includes, without limitation, any personal user information, location information, financial planning information, comments, messages, other information, data, text, photographs, software, scripts, graphics, and interactive features generated, provided, or otherwise made accessible by us on or through the Service. Content added, created, uploaded, submitted, distributed, posted or otherwise obtained through the Service by users, including Content that is added to the Service in connection with users linking their accounts to third party websites and services, is collectively referred to as, “User Submission” or "User Submissions."

Our Content

The Service contains Content specifically provided by us or our partners and such Content is protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws, as applicable. You shall abide by and maintain all copyright notices, information, and restrictions contained in any Content accessed through the Service. Subject to these Terms of Use, we grant each user of the Site and/or Service a worldwide, non-exclusive, non-sublicensable and non-transferable license to use, modify and reproduce the Content, solely for personal, non-commercial use. Use, reproduction, modification, distribution or storage of any Content for other than personal, non-commercial use is expressly prohibited without prior written permission from us, or from the copyright holder identified in such Content's copyright notice, as applicable. You shall not sell, license, rent, or otherwise use or exploit any Content for commercial (whether or not for profit) use or in any way that violates any third party right.

User Submissions

We may use your User Submissions in a number of different ways in connection with the Site, Service and our business as we may determine in our sole discretion. By submitting User Submissions on the Site or otherwise through the Service, you hereby do and shall grant us a worldwide, non-exclusive, royalty-free, fully paid, sublicensable and transferable license to use, copy, edit, modify, reproduce, distribute, prepare derivative works of, display, perform, and otherwise fully exploit the User Submissions in connection with the Site, the Service and our (and our successors and assigns') business, including without limitation for promoting and redistributing part or all of the Site (and derivative works thereof) or the Service in any media formats and through any media channels (including, without limitation, third party websites and feeds). You also hereby do and shall grant each user of the Site and/or the Service, including Third Party Media, a non-exclusive license to access your User Submissions through the Site and the Service, and to use, edit, modify, reproduce, distribute, prepare derivative works of, display and perform such User Submissions in connection with their use of the Site, Service and Third Party Media. For clarity, the foregoing license grant to us does not affect your other ownership or license rights in your User Submission(s), including the right to grant additional licenses to the material in your User Submission(s), unless otherwise agreed in writing with us. You represent and warrant that you have all rights to grant such license to us without infringement or violation of any third party rights, including without limitation, any privacy rights, publicity rights, copyrights, contract rights, or any other intellectual property or proprietary rights. You understand that all information publicly posted or privately transmitted through the Site is the sole responsibility of the person from which such Content originated; that we will not be liable for any errors or omissions in any Content; and that we cannot guarantee the identity of any other users with whom you may interact in the course of using the Service. When you delete your User Submissions, they will be removed from the Service. However, you understand that any removed User Submissions may persist in backup copies for a reasonable period of time or may remain with users who have previously accessed or downloaded your User Submissions.

Conduct

As a condition of use, you promise not to use the Service for any purpose that is prohibited by these Terms of Use. You are responsible for all of your activity in connection with the Service. Additionally, you shall abide by all applicable local, state, national and international laws and regulations and, if you represent a business, any advertising, marketing, privacy, or other self-regulatory code(s) applicable to your industry.

We do not guarantee that any Content or User Submissions (as defined above) will be made available on the Site or through the Service. We have no obligation to monitor the Site, Service, Content, or User Submissions. However, we reserve the right to (i) remove, suspend, edit or modify any Content in our sole discretion, including without limitation any User Submissions at any time, without notice to you and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such Content or if we are concerned that you may have violated these Terms of Use), or for no reason at all and (ii) to remove, suspend or block any User Submissions from the Service. We also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Use, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of us, our users and the public.

Third Party Sites and Services

The Service may permit you to link to other websites, services or resources on the Internet, and other websites, services or resources may contain links to the Site. When you access third party websites, you do so at your own risk. These other websites are not under our control, and you acknowledge that we are not responsible or liable for the content, functions, accuracy, legality, appropriateness or any other aspect of such websites or resources. The inclusion of any such link does not imply endorsement by us or any association with our operators. You further acknowledge and agree that we 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 website or resource.

Termination

We may terminate your access to all or any part of the Service at any time, with or without cause, with or without notice, effective immediately, which may result in the forfeiture and destruction of all information associated with your membership. If you wish to terminate your account, you may do so by following the instructions on the Site. All provisions of these Terms of Use, which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Warranty Disclaimer

Save to the extent required by law, we have no special relationship with or fiduciary duty to you. We, however, warrant that we shall keep and maintain your savings securely and insured at all times under the Nigerian Deposit Insurance Corporation.

You acknowledge that we have no control over, and no duty to take any action regarding: which users gain access to the Service; what Content you access via the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content.

You release us from all liability for you having acquired or not acquired Content through the Service. The Service may contain, or direct you to websites containing, information that some people may find offensive or inappropriate. We make no representations concerning any Content contained in or accessed through the Service, and we will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service. You release us from all liability relating to your connections and relationships with other users. You understand that we do not, in any way, screen users, nor do we inquire into the backgrounds of users or attempt to verify their backgrounds or statements. We make no representations or warranties as to the conduct of users or the veracity of any information users provide. In no event shall we be liable for any damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the Services, including, without limitation, bodily injury, emotional distress, and any damages resulting in any way from communications or meetings with users or persons you may otherwise meet through the Services. As such, you agree to take reasonable precautions and exercise the utmost personal care in all interactions with any individual you come into contact with through the Services, particularly if you decide to meet such individuals in person. For example, you should not, under any circumstances, provide your financial information (e.g., credit card or bank account numbers) to other individuals.

The site, service, content and add-to link are provided "as is", "as available" and are provided without any representations or warranties of any kind, express or implied, including, but not limited to, the implied warranties of title, non-infringement, merchantability and fitness for a particular purpose, and any warranties implied by any course of performance or usage of trade, all of which are expressly disclaimed, save to the extent required by law. Findreach Community Nigeria Limited, and its directors, members, employees, agents, representatives, affiliates, suppliers, partners and content providers do not warrant that: (a) the service will be secure or available at any particular time or location; (b) any defects or errors will be corrected; (c) any content or software available at or through the service is free of viruses or other harmful components; or (d) the results of using the service will meet your requirements. Your use of the website, service, or content is solely at your own risk.

Indemnifi-cation

You shall defend, indemnify, and hold harmless FindReach Community Nigeria Limited, its affiliates and each of its and its affiliates' directors, members, employees, agents, contractors, directors, suppliers and representatives from all losses, costs, actions, claims, damages, expenses (including reasonable legal costs) or liabilities, that arise from or relate to your use or misuse of, or access to, the Site, Service, Content, or otherwise from your User Submissions, violation of these Terms of Use, or infringement by you, or any third party using the your account, of any intellectual property or other right of any person or entity (save to the extent that a court of competent jurisdiction holds that such claim arose due to an act or omission of us). We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with us in asserting any available defenses.

Findreach Community Nigeria Limited shall fully indemnify you only to the extent of your total savings accrued through the Service.

Limitation of Liability

All liability of Findreach Community Nigeria Limited, its directors, members, employees, agents, representatives, affiliates, partners, suppliers or content providers howsoever arising for any loss suffered as a result of your use the site, service, content, or user submissions is expressly excluded to the fullest extent permitted by law, save that, if a court of competent jurisdiction determines that liability of Findreach Community Nigeria Limited, its directors, members, employees, agents, representatives, affiliates, partners, suppliers or content providers (as applicable) has arisen, the total of such liability shall be limited in aggregate to Ten Thousand Nigerian Naira (N10,000).

To the maximum extent permitted by applicable law, in no event shall Findreach Community Nigeria Limited, nor its directors, members, employees, agents, representatives, affiliates, partners, suppliers or content providers, be liable under contract, tort, strict liability, negligence or any other legal or equitable theory or otherwise (and whether or not Findreach Community Nigeria Limited, its directors, members, employees, agents, representatives, affiliates, partners, suppliers or content providers had prior knowledge of the circumstances giving rise to such loss or damage) with respect to the site, service, content, or user submissions for:

  1. Indirect or consequential losses or damages;
  2. Loss of actual or anticipated profits;
  3. Loss of revenue;
  4. Loss of goodwill
  5. Loss of data
  6. Loss of anticipated savings
  7. Wasted expenditure;
  8. Cost of procurement of substitute goods or services.

Nothing in these terms of use shall be deemed to exclude or limit your liability in respect of any indemnity given by you under these terms of use. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such cases, Findreach Community Nigeria Limited’s liability will be limited to the fullest extent permitted by applicable law.

Governing Law

A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You and FindReach Community Nigeria Limited agree that any cause of action arising out of or related to the Service must commence within one (1) year after the cause of action arose; otherwise, such cause of action is permanently barred.

You and FindReach Community Nigeria Limited also agree that the following arbitration and governing law provisions shall apply: These Terms of Use shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. For all purposes of these Terms of Use, the parties consent to exclusive jurisdiction and venue in the Nigerian courts. In the event of dispute, you shall provide us with a minimum of 30 working days notice of the dispute and where we are unable to resolve the dispute before the expiration of the notice, it shall be submitted to binding arbitration at the Lagos Court of Arbitration in accordance with its rules and under the Arbitration Laws of Lagos State 2009 or any amendment or enactments thereof. Use of the Service is not authorized in any jurisdiction that does not give effect to all provisions of these Terms of Use, including without limitation, this section.

Integration and Severability

These Terms of Use and the incorporated Privacy Policy and Acceptable Use Policy are the entire agreement between you and us with respect to the Service and use of the Site, Service, Content, or User Submissions, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us with respect to the Site and the Service. If any provision of these Terms of Use and the incorporated Privacy Policy and Acceptable Use Policy is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Use and the incorporated Privacy Policy and Acceptable Use Policy will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. Waiver of compliance in any particular instance does not mean that we will waive compliance in the future. In order for any waiver of compliance with these Terms of Use or the incorporated Privacy Policy or Acceptable Use Policy to be binding, we must provide you with written notice of such waiver through one of our authorized representatives. Modification of Terms of Use We reserve the right, at our sole discretion, to modify or replace any of these Terms of Use, or change, suspend, or discontinue the Service (including without limitation, the availability of any feature, database, or content) at any time by posting a notice on the Site or by sending you notice through the Service or via email. We may also impose limits on certain features and services or restrict your access to parts or all of the Service without notice or liability. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Service following the posting of any changes to these Terms of Use constitutes acceptance of those changes.

Miscellaneous

We shall not be liable for any failure to perform our obligations hereunder where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation. These Terms of Use are personal to you, and are not assignable, transferable or sublicensable by you except with our prior written consent. We may assign, transfer or delegate any of its rights and obligations hereunder without consent. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Use and neither party has any authority of any kind to bind the other in any respect. Unless otherwise specified in these Term of Use, all notices under these Terms of Use will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or e-mail; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service.

Contact

You may contact us at the following address:
6 Agoro Odiyan Street,
Victoria Island,
Lagos, Nigeria
You may also email us at: info@findreach.com

Effective Date: 1 November, 2016