These terms of service (“Terms“) cover your use and access to our software and solutions (“Application“). Our Privacy Policy explains how we collect and use your information while our Acceptable Use Policy outlines your responsibilities when using our Application. By using our Services, you’re agreeing to be bound by these Terms, our Privacy Policy* and Acceptable Use Policy*. If you’re using our Application for an organization, you’re agreeing to these Terms on behalf of that organization.

Your Information

When you use our Application, you provide us with things like your account information, name, email address, phone number and so on (“Your Information“). Your Information is yours. These Terms don’t give us any rights to Your Information except for the limited rights that enable us to provide the Application.

Software

You can download our software (“Software“), which may update automatically. So long as you comply with these Terms, we give you a limited, nonexclusive, nontransferable, revocable license to use the Software, solely to access and protect your financial transactions. To the extent any component of the Software may be offered under an open source license, we’ll make that license available to you and the provisions of that license may expressly override some of these Terms. Unless law prohibits the following restrictions, you agree not to reverse engineer or decompile the Software, attempt to do so, or assist anyone in doing so.

Beta Versions

We sometimes release products and features that we are still testing and evaluating. Those solutions have been marked beta, preview, early access, or evaluation (or with words or phrases with similar meanings) and may not be as reliable as other stable services, so please keep that in mind.

Our Information

Our Application is protected by copyright, trademark, and other Nigerian and foreign laws. These Terms don’t grant you any right, title or interest in the Application, others’ content in the Application, i.Sectrademarks, logos and other brand features. We welcome feedback, but note that we may use comments or suggestions without any obligation to you.

Copyright

We respect the intellectual property of others and ask that you do too. We respond to notices of alleged copyright infringement if they comply with the law, and such notices should be reported using our Copyright Policy. We reserve the right to delete or disable content alleged to be infringing and terminate accounts of repeat infringers.

Termination

You’re free to stop using our Application at any time. We reserve the right to suspend or terminate your access to the Application with notice to you if:

(a) you’re in breach of these Terms,

(b) you’re using the Application in a manner that would cause a real risk of harm or loss to us or other users, or

We’ll provide you with reasonable advance notice via the email address associated with your account to remedy the activity that prompted us to contact you. If after such notice you fail to take the steps we ask of you, we’ll terminate or suspend your access to the Application.

We won’t provide notice before termination where:

(a) you’re in material breach of these Terms,

(b) doing so would cause us legal liability or compromise our ability to provide the Application to our other users, or

(c) we’re prohibited from doing so by law.

Discontinuation of Services

We may decide to discontinue the Application in response to unforeseen circumstances beyond i.Sec’s control or to comply with a legal requirement. If we do so, we’ll give you reasonable prior notice.

Services “AS IS”

We strive to provide a fantastic experience, but there are certain things that we can’t guarantee. TO THE FULLEST EXTENT PERMITTED BY LAW, ISEC AND ITS AFFILIATES, SUPPLIERS AND DISTRIBUTORS MAKE NO WARRANTIES, EITHER EXPRESS OR IMPLIED, ABOUT THE APPLICATION. THE APPLICATIONARE PROVIDED “AS IS.” WE ALSO DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Some places don’t allow the disclaimers in this paragraph, so they may not apply to you.

Limitation of Liability

WE DON’T EXCLUDE OR LIMIT OUR LIABILITY TO YOU WHERE IT WOULD BE ILLEGAL TO DO SO—THIS INCLUDES ANY LIABILITY FOR ISEC’S OR ITS AFFILIATES’ FRAUD OR FRAUDULENT MISREPRESENTATION IN PROVIDING THE SERVICES. IN COUNTRIES WHERE THE FOLLOWING TYPES OF EXCLUSIONS AREN’T ALLOWED, WE’RE RESPONSIBLE TO YOU ONLY FOR LOSSES AND DAMAGES THAT ARE A REASONABLY FORESEEABLE RESULT OF OUR FAILURE TO USE REASONABLE CARE AND SKILL OR OUR BREACH OF OUR CONTRACT WITH YOU. THIS PARAGRAPH DOESN’T AFFECT CONSUMER RIGHTS THAT CAN’T BE WAIVED OR LIMITED BY ANY CONTRACT OR AGREEMENT.

IN COUNTRIES WHERE EXCLUSIONS OR LIMITATIONS OF LIABILITY ARE ALLOWED, ISEC, ITS AFFILIATES, SUPPLIERS OR DISTRIBUTORS WON’T BE LIABLE FOR:

  1. ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR
  2. ANY LOSS OF USE, DATA, BUSINESS, OR PROFITS, REGARDLESS OF LEGAL THEORY.

THESE EXCLUSIONS OR LIMITATIONS WILL APPLY REGARDLESS OF WHETHER OR NOT ISEC OR ANY OF ITS AFFILIATES HAS BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES.

IF YOU USE THE APPLICATION FOR ANY COMMERCIAL OR BUSINESS PURPOSE, ISEC, ITS AFFILIATES, SUPPLIERS OR DISTRIBUTORS WILL HAVE NO LIABILITY TO YOU FOR ANY LOSS OF PROFIT, LOSS OF BUSINESS, BUSINESS INTERUPTION, OR LOSS OF BUSINESS OPPORTUNITY. ISEC AND ITS AFFILIATES AREN’T RESPONSIBLE FOR THE CONDUCT, WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE APPLICATION.

Resolving Disputes

Let’s Try To Sort Things Out First. We want to address your concerns without needing a formal legal case. Before filing a claim against i.Sec, you agree to try to resolve the dispute informally by contacting admin@isec.ng. We’ll try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 15 days of submission, you or i.Sec may bring a formal proceeding.

Controlling Law

Nigerian law except for its conflicts of laws principles will govern these Terms.

Entire Agreement

These Terms constitute the entire agreement between you and i.Sec with respect to the subject matter of these Terms, and supersede and replace any other prior or contemporaneous agreements, or terms and conditions applicable to the subject matter of these Terms. These Terms create no third party beneficiary rights.

Waiver, Severability & Assignment

i.Sec’s failure to enforce a provision is not a waiver of its right to do so later. If a provision is found unenforceable, the remaining provisions of the Terms will remain in full effect and an enforceable term will be substituted reflecting our intent as closely as possible. You may not assign any of your rights under these Terms, and any such attempt will be void. i.Secmay assign its rights to any of its affiliates or subsidiaries, or to any successor in interest of any business associated with the Application.

Modifications

We may revise these Terms from time to time to better reflect:

(a) changes to the law,

(b) new regulatory requirements, or

(c) improvements or enhancements made to our Application.

If an update affects your use of the Application or your legal rights as a user of our Application, we’ll notify you prior to the update’s effective date by sending an email to the email address associated with your account or via an in-product notification. These updated terms will be effective no less than 30 days from when we notify you.

If you don’t agree to the updates we make, please cancel your account before they become effective. By continuing to use or access the Services after the updates come into effect, you agree to be bound by the revised Terms.