A. Intellectual property (including copyright and trademarks in the materials and Services) other than those belonging to any person, organisation, company or group displaying, listing or advertising in the Services are owned by VConnect or its partners or affiliates (unless otherwise indicated) and you agree not to infringe on any intellectual property rights owned by VConnect or anyone else.

B.Nothing contained in the Services (including granting you access to the Services) should be construed as granting any license or right to use any intellectual property displayed in the Services without the express written consent of VConnect.

A.Information contained in the Services is for your personal use only and may not be sold, redistributed or used for any commercial purpose (other than to correct or add information contained in the Services) including, but not limited to, the use of any business contact details for unsolicited commercial correspondence or the creation of customer lists. Any commercial use of this information requires the written consent of VConnect. You may download material from the Services for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices.

B.You may not modify, copy, reproduce, republish, upload, post, data-mine, scrape, transmit or distribute in any way any material from VConnect or the Services including code and software. You must not use the Services for any purpose that is unlawful or prohibited by these Terms of Use.

A.VConnect will collect and use any information in accordance with its Privacy Policy and users of the Services consent to the collection and use of information in accordance with this policy.

B. You may gain access to your information by emailing the VConnect Privacy Officer at privacy@vconnect.com.

A.In your use of the Services, you may access content from third parties ("Third Party Content") via links to other websites or other forms of contact such as by telephone. VConnect does not control Third Party Content and makes no representations or warranties about it. VConnect does not accept any liability for the reliability, completeness or accuracy of any Third Party Content or for the privacy practices of the Providers of Third Party Content. You agree that by using the Services, you may be exposed to Third Party Content that could be false, offensive, indecent or otherwise objectionable. Under no circumstances will VConnect be liable in any way for any Third Party Content, including, without limitation, any errors or omissions in any Third Party Content or any loss or damage of any kind incurred as a result of the use of any Third Party Content posted, stored or transmitted via our Service. You agree that you must evaluate, and bear all risks associated with, Third Party Content. VConnect reserves the exclusive right in its sole discretion to add, decline or remove, without warning, any content, icon, link or other connection to Third Party Content.

B. By using VConnect or the Services, you do not receive any ownership rights in the Third Party Content. You may not use, access or allow others to use or access the Third Party Content in any manner not permitted under the Terms, unless you have been specifically permitted to do so by VConnect or by the owner of that Third Party Content, in a separate agreement.

C. Accessing Third Party Content from the Services should not be construed as granting any right or license to use Third Party Content.

A. These Terms of Use are governed by and interpreted in accordance with the laws of Nigeria. You irrevocably and unconditionally submit to the exclusive jurisdiction of the Courts of Nigeria and waive any objection to legal action being brought in those Courts on the grounds of venue or inconvenient forum.

B.      The invalidity or unenforceability of any of these Terms of Use will not affect the validity or enforceability of any other of these Terms, all of which will remain in full force and effect.

C.       Any notice to VConnect must be sent by an email to legal@vconnect.com

D.       Any dispute or difference arising between the Parties with regard to this Agreement shall be first settled by negotiation. Should such negotiations fail, either Party shall refer the dispute to arbitration. Arbitration shall be in accordance with the provisions of the Lagos State Arbitration Law 2009.

A..For any submission of content that you make, you warrant that you own or otherwise have all rights necessary to license the content you submit and that the posting and use of your content by us will not infringe or violate any law or the rights of any third party. You further agree to indemnify and hold harmless VConnect against any and all claims, damages, legal fees and any other cost that may be incurred by VConnect as a result of breaching this warranty.

B.By submitting any content to our Services, you hereby grant us a perpetual, worldwide, non-exclusive, royalty-free right and license to use, reproduce, display, perform, adapt, modify, distribute, have distributed and promote such content in any form, in all media now known or hereinafter created, anywhere in the world, and for any purpose including the waiver of any rights in your contribution.

C. Any content submitted to our Services may also be provided to or located at third party computers' servers, websites or services.

D.You are solely responsible for any content that you submit post or transmit via or to our Services.

E.You agree not to post or submit anything to the services that:

F.VConnect has no obligation to post any content that you or anyone else submits. In addition, VConnect may, in its sole and unfettered discretion, edit, remove or delete any content that you post or submit.

A.You agree that all content and materials available on the Services is protected by rights of publicity, copyright, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. Except as expressly authorized by us, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from materials or content available on our Services. Notwithstanding the above, you may use the content and materials on our Site in the course of your normal, personal, non-commercial use of our Services.

B. You agree not to systematically retrieve data, including but not limited to addresses and phone numbers of businesses, or other content or any materials from our Services to create or compile, directly or indirectly, a collection, compilation, database, directory or the like, whether by manual methods, through the use of "bots" or otherwise. You agree not to use of any of our trademarks as metatags on other web sites. You agree not to display any of our Services in a frame (or any of our content via in-line links) without our express written permission, which may be requested by contacting us at privacy@vconnect.com. You may, however, establish ordinary links to the homepage of our Site without our written permission.

A. VConnect reserves the right at any time to modify or discontinue, temporarily or permanently, any and/or all portion of our Services with or without prior notice. You agree that VConnect will not be liable to you or to any third party for any modification or discontinuance of our Services.

A.You hereby represent and warrant to us that:

You hereby agree that:

A.If you use our Services, you do so at your own and sole risk. Our Service is provided on an "as is" and "as available" basis. VConnect expressly disclaims all warranties of any kind, whether express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose and non-infringement.

B.VConnect does not warrant or guarantee that

A. You agree that VConnect will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages (even if VConnect has been advised of the possibility of such damages), arising from, relating to or connected with.

B.VConnect will not be liable for any failure or delay in performing under these Terms where such failure or delay is due to causes beyond our reasonable control, including natural catastrophes, governmental acts or omissions, laws or regulations, terrorism, labor strikes or difficulties, communications systems breakdowns, hardware or software failures, transportation stoppages or slowdowns or the inability to procure supplies or materials.

C.The Company's aggregate liability to you or any third party in any matter arising from, relating to or connected with our Services is at the Company's sole discretion.

You agree to defend, indemnify and hold VConnect and its officers, directors and employees harmless from any    claim, demand, action, damage, loss, cost or expense, including without limitation, reasonable attorney's fees, incurred in connection with any suit or proceeding brought against us arising out of your use of the Services or alleging facts or circumstances that could constitute a breach of any provision of these Terms of Use by you. If you are obligated to indemnify us, VConnect will have the right, in its sole and unfettered discretion, to control any action or proceeding and determine whether VConnect wish to settle it, and if so, on what terms.

VConnect’s® Additional Terms and Conditions of Use for All Business Listings and Advertisers

Additional Terms and Conditions of Use

These additional terms and conditions of use ("Additional Terms") apply to all businesses who have or requested to have their business details supplied to VConnect and/or listed on the Services, including free business listings, as well as to all others who choose to advertise with VConnect, and/or on the Services (together in these Additional Terms defined as "Advertisers" or "you").

In conjunction with the Terms of Use, these Additional Terms govern all Advertiser's use of the business listing and finding service, that allow Advertisers to register and/or list your business with VConnect so that users may locate your business when users make certain relevant queries to VConnect, as well as any other form of advertising with VConnect (together "Advertising Services"). Advertising Services include, but are not limited to, displaying certain information about your business from time to time, transferring or diverting calls to you and sending certain information to users of VConnect through various methods such as SMS messages or emails.

These Additional Terms form an integral part of the above mentioned Terms of Use and all Advertisers must read these Additional Terms in conjunction with the Terms of Use. The definitions provided in the above Terms of Use also apply to these Additional Terms and reference to the Terms of Use herein includes reference to the Additional Terms. Moreover, the Advertising Services form part of the Services as defined in the above Terms of Use. As such, everything that applies to Services should, for the purposes of these Additional Terms, be read to also apply equally to Advertising Services irrespective of whether Advertising Services are mentioned separately to Services.

Please also note that further terms and conditions for Advertising Services may be contained in approved order forms and invoices for Advertising Services, promotional and other documentation provided to you by VConnect or its authorised resellers ("Resellers).

VConnect may at its sole discretion modify these Additional Terms at any time, and such modifications will be effective immediately upon posting the modified agreement on the Site. These Terms must be accepted and complied with by all who use the Services in any way.

A .The Advertising Services may only be offered to you by VConnect or by Resellers.

B .You must provide accurate, complete, and current registration information and you agree to provide the Advertising Service with an update of that information promptly should changes occur.

C .Subscriptions to the Advertising Service are available only to individuals who are at least 18 years of age or to incorporated businesses, sole traders, trusts, partnerships or associations owned or operated by individuals who are at least 18 years of age.

D .VConnect will, at its absolute discretion, determine the categories, key words and anything else used to categorize or describe businesses for the purposes of users finding them by using the Services. Moreover, VConnect may change at any time its methods and algorithms used to help users find the information they are looking for, including changes to business categories and classifications as well as to various key words or terms. Advertisers further agree as a condition for advertising with VConnect that VConnect reserves the right to re-classify Content, entitling VConnect to withdraw Content from one category and to re-publish Content in another category.

E .VConnect may terminate, at its own discretion, any registration or Advertising Service whether active or inactive, including without limitation any or all related information, communications, postings, web pages, websites or services, at any time, without notice, for any reason or no reason, including without limitation for conduct that violates local, state or federal laws or regulations or the Terms, or material that VConnect, at its own discretion, believes is harmful to others, the business of VConnect or other third party information or service providers.

F .Upon submission, registration or request to use the Advertising Service and on an ongoing basis, you will be asked to provide certain business and other information in order for you to effectively advertise on VConnect. For VConnect to properly communicate with you and for other purposes such as billing (together "Content"). For further details on the type of information we collect and how we use the information, please see our Privacy Policy and the Terms, in particular Section 11 below.

G .You assume all risk and responsibility for determining whether any and all Content is in the public domain, regardless of any notices which may be posted on such Content ("Public Content").

H .Any information supplied by you upon registration for the Advertising Service and certain other information which we may collect is subject to our Privacy Policy in Section 11 below.

I . VConnect reserves the right to charge a set-up and/or administration fee from your account upon registration or upon renewal of the Advertising Service but will only do so by first providing you with notice of any such charge.

J .As a registrant of the Advertising Service, you acknowledge that there is no guarantee that your Public Content will be located or used by users of VConnect, nor is there any obligation on VConnect to make sure that users locate or use your Public Content.

K .You further acknowledge that there may be other Advertisers' Public Content or other business information provided to VConnect that may, at any time and for any reason, be shown to users ahead of or instead of your Public Content.

A. You, as an Advertiser and user of the Advertising Service, understand that all information contained in your Content, whether publicly posted or privately transmitted, is your sole responsibility. This means that you are responsible and may be held legally liable for all Content that you upload, post or otherwise transmit via the Advertising Service or other Services.

B.VConnect does not control, actively monitor or review the Content uploaded, posted, transmitted or made available on or through the Advertising Service and VConnect will not be responsible for any Content and does not guarantee the accuracy, integrity or quality of such Content.

C. Advertisers agree at all times to deal with any Services, information or products provided by VConnect or accessed via VConnect or its Services in a manner which complies with all applicable laws (including privacy and copyright laws).

D. Advertisers must ensure that all Content provided by them to VConnect comply with the Terms, all applicable legislation, regulations, by-laws, ordinances or codes of conduct, including but not limited to the Consumer Protection Council Act, Trade Malpractices (Miscellaneous Offences) Act, National Information Technology Development Agency Act and similar laws applicable in the Federal Republic of Nigeria and the intellectual property rights of others. Advertisers agree to keep VConnect, its officers, employees and agents fully indemnified against any losses, costs, expenses, charges, damages or liabilities incurred in relation to any actions or claims brought by any person or entity against VConnect, its officers, employees or agents as a result of an actual or alleged breach by an Advertiser of any law, regulation, by-law or code of conduct, breach of another's intellectual property rights or such other actions or claims brought as a consequence of your use of the Services.

E. Advertisers may not assign or transfer any rights and obligations under these Terms to any other person or entity without VConnect's prior written approval. If an Advertiser is a company, any change in that Advertiser's effective control will be deemed an assignment for the purpose of this clause.

B.VConnect will not be obligated to actively monitor, review, or otherwise control in any manner, the content users post, upload or transmit through the Services or directly to Advertisers in any form.

C.Where applicable, and subject to the Terms, VConnect will use all reasonable efforts to make a successful application for Advertising Services ready for public use as soon as practical but VConnect will not be liable for any loss or damage incurred by an Advertiser as a result of any failure or delay to do so.

D.VConnect reserves the right, in its sole discretion, to refuse or remove any Content or other information available on or through the Advertising Services. Without limiting the foregoing, VConnect will have the right to remove any Content or information that violates the Terms of Use or is otherwise objectionable in the VConnect's sole opinion.

E. By submitting Content or other information to the Advertising Service, you undertake full responsibility to.

If you do not agree to these terms and the Terms of Use, do not request, submit or register to use the Advertising Services.

A.Some portions of the Advertising Services or the Services in general may include links to Third Party Content. Please see the Terms of Use above for further details.

A.You agree to pay all applicable fees and charges incurred by you or any third party using your Advertising Service account (whether or not authorized by you) at the applicable billing rate during the period in which such fees and charges were incurred, including, but not limited to applicable taxes, and charges for any products or services offered for sale through the Advertising Service.

B. Except where otherwise specifically stipulated within these Additional Terms, you will be responsible for all charges associated with accessing and maintaining a connection to the Advertising Services and Services in general (for example, charges imposed by an internet access provider, or your local telephone company).

C. VConnect may offer a number of packages, payment methods and cancellation options. These options allow Advertisers to pay upfront for a certain amount of advertising leads and, unless renewed, once the credit in their account is used up, the Advertising Services will be cancelled. VConnect may, at is sole discretion, offer Advertisers the ability to automatically renew or top-up their current package or provide options for Advertisers to change their advertising package. In all cases:

D.If you register for Advertising Services with a Reseller, it is possible based on your arrangement with that Reseller, that you will not be provided with an "Advertiser Login" to amend your Content as such management of your account may be done by the Reseller on your behalf as part of the service they provide to you. An Advertiser Login allows an Advertiser (or a Reseller or both depending on what was agreed) to login to the Advertising Services, amend details and track the leads it is receiving from users of the Services.

E. To become a registered user or an Advertiser, you must provide a password and a login name for your Advertiser Login. You are entirely responsible if you do not maintain the confidentiality of your password and login name. In addition, you are entirely responsible for any and all activities that occur using your login name.

F.You agree to notify VConnect as soon as you become aware of any unauthorized use of your login name or any other breach of security in connection with VConnect, the Advertising Services or Services in general.

G.The Advertising Services will provide reporting to the Advertiser, or its authorized agent (e.g. a Reseller) through the Advertiser Login. When the funds paid by the Advertiser for a particular package get close to full usage, VConnect and/or its Reseller may issue the Advertiser with a notice, and subject to these Terms of Use, offer the Advertise an option to renew, top-up or purchase a different package from VConnect. All notices will be served in writing and will be sent by facsimile or electronic mail to the Advertiser at their respective addresses as specified on the order forms or in their Content.

A. one type of the Advertising Services, VConnect sells various packages to Advertisers. Where a package has been purchased by an Advertiser, VConnect may, at its sole discretion, provide the Advertiser with a refund for only the unused portion of the account balance (less applicable fees or charges if any) for that particular package. Once the refund is provided, that particular package and associated Advertising Services will immediately be cancelled. The Advertiser is still responsible for all charges incurred up to the time of cancellation. VConnect reserves the right to charge an administrative fee of up to 5,000 Naira where it grants any refunds or cancellations.

B.For certain packages where VConnect explicitly offers a money back guarantee, VConnect will refund to the Advertiser any unused portion of the account balance (less applicable fees or charges if any) subject to any additional terms of that money back guarantee. Where such a money back guarantee does not stipulate any administrative charges for refunds or cancellations, VConnect will not charge the Advertiser any administrative or cancellation charge. Once the refund is provided, that particular package or Advertising Service will immediately be cancelled. The Advertiser is still responsible for all charges incurred up to the time the Advertising Service is cancelled.

C.Where the Advertising Service purchased is not in the form of a package, then the specific terms of that order form, invoice or other documentation will govern the terms of cancellation.

D.Any notification of a request for a refund or intent to cancel must be provided in writing or by email to sales@vconnect.com or to your Reseller

E.Once a refund is approved, it will be processed within 15 working days.

F.Any Daily Limit amount that has already been spent, including any over amount to a Daily Limit referred to in Clause 6(c)i. above will not be refunded under any circumstances.

GVConnect reserves the right, at its sole discretion, to restrict, suspend or terminate your access to all or any part of the Advertising Services at any time for any reason without prior notice or liability. VConnect may change, suspend or discontinue all or any aspect of the Advertising Services at any time, including the availability of any Advertising Service feature, database, or content, without prior notice or liability.

A.You expressly agree that entering or using of the Advertising Services is at your own risk. No warranty, representation, condition, undertaking or term - express or implied, statutory or otherwise - including but not limited to the condition, quality, durability, performance, accuracy, reliability, non-infringement, merchantability, or fitness for a particular purpose or use of the Advertising Service is given or assumed;

B.VConnect makes no warranty or guarantee that the Advertising Services will: meet your requirements; generate additional leads; increase sales, business activity or profits or any other form of improvement for your business; lead to any exposure of your business or any keywords or other information contained in your Content and if such exposure does occur that the placement of your business information is ranked highly; or that the Advertising Services will be uninterrupted, timely, secure, or error-free.

C.VConnect does not warrant or guarantee that any information available on or through the Advertising Services will: be free of infection by viruses, worms, trojan horses or anything else containing destructive properties; that the information available on or through the Advertising Services will not contain materials which some individuals may deem objectionable; or that the functions or services performed by the Advertising Services will be uninterrupted or error-free or that defects in the Advertising Services will be corrected.

D.The Resellers make no warranty nor representation that they are employees of VConnect or that they have any control over the operation of the Advertising Services or other Services offered by VConnect;

A. In no event will VConnect be liable to any party for any damages, including without limitation any direct, indirect, special, punitive, incidental or consequential damages (including, but not limited to, damages for loss of business profits, business interruption, loss of programs or information, loss of profits or goodwill or loss of use of facilities or equipment), or any other damages arising - in any way, shape or form - out of the availability, use, reliance on, inability to utilise or improper use of the Advertising Services or Services even if VConnect has been advised of the possibility of such damages or is negligent, and regardless of the form of action, whether in contract, tort, or otherwise.

B.In no event will VConnect be liable to any party for any delays, inaccuracies, errors or omissions with respect to the Advertising Services or the information or the transmission or delivery of all or any part thereof, for any damage arising therefrom or occasioned thereby, or for the results obtained from the use of information available on or through the Advertising Services or Services. You expressly agree that VConnect will not be responsible or liable for any loss of data, nor will it be required to return any lost data, resulting from the suspension or deletion of user information, network or system outages, file corruption or any other reasons.

C.VConnect urges you to maintain backup versions of your Content to guard against losses of any kind. You expressly agree that VConnect will not be liable for any conduct by users of the Advertising Services or Services and will not be responsible or liable for the accuracy, usefulness or availability of any information transmitted, uploaded, posted or made available on or through the Services or Advertising Services. You expressly agree to indemnify and hold harmless VConnect, its subsidiaries, affiliates, officers, agents, co-branders and other partners, and its and their respective employees, from and against any and all damages, liabilities, actions, causes of action, suits, claims, demands, losses, costs and expenses (including without limitation reasonable attorneys' fees and disbursements and court costs) arising from or in connection with your Content, your use of or connection to the Services or Advertising Services, your violation of these Terms, your violation of any rights of any third party in any way or your violation of any law.

D. Notwithstanding the above, VConnect's aggregate liability to the Advertiser will be at VConnect's discretion.

i. Interest on overdue invoices will accrue from the date when payment becomes due daily until the date of payment at a rate of 2.5% per calendar month and will accrue at such a rate after as well as before any judgment.

ii. If the Advertiser defaults in payment of any invoice when due, the Advertiser will indemnify VConnect and/or the Reseller as the case may be from and against all costs and disbursements including all reasonable legal fees and all costs of collection.

iii. Without prejudice to any other remedies VConnect or a Reseller may have, if at any time the Advertiser is in breach of any obligation (including those relating to payment), VConnect may suspend or terminate the supply of Advertising Services to the Advertiser and any of its other obligations under the Terms. VConnect will not be liable to the Advertiser for any loss or damage the Advertiser suffers because VConnect exercised its rights under this clause.

iv. If any account remains unpaid at the end of the second month after supply of Advertising Services or other goods or services, the following will apply: an immediate amount of N5000.00 (Five Thousand Naira) may be levied for administration fees which sum will become immediately due and payable.

A. The Advertiser and/or any guarantor(s) agree that VConnect may exchange information about the Advertiser and guarantor(s) with those credit providers named in an application for credit account or named in a consumer credit report issued by a reporting agency for the following purposes:

B. The Advertiser consents to VConnect to collect overdue payment  on commercial credit