Terms of Use

• You must be at least 18 years old and capable of forming legally binding contracts under Nigerian law.
• The Services are intended for business use, including SMEs, freelancers, and corporate users.
• By using the Services, you confirm that you are authorized to enter into these Terms and bind your business entity, if applicable.

• To use certain Services, you must create an account. Provide accurate, current, and complete information during registration.
• You are responsible for maintaining the confidentiality of your credentials, including your password and authentication codes.
• You agree to notify us immediately of any unauthorized use of your account.
• Securemarts may suspend or terminate accounts for breaches, fraud, or illegal activity.

You agree to:

1. Use the Services only for lawful purposes.
2. Not attempt to copy, modify, reverse-engineer, or disrupt the Services.
3. Comply with all applicable local laws, including tax, data protection, and financial regulations.
4. Ensure your end-customers comply with laws and contractual obligations regarding their data.

You must not:

• Use the Services for illegal transactions, money laundering, or fraud.
• Transmit malicious software, viruses, or spam.
• Violate intellectual property rights of Securemarts or third parties.

• Access to the Services may require a subscription fee, billed as specified in your plan.
• All payments must be made in accordance with the selected payment method.
• Fees are non-refundable, except as required by law or explicitly stated in a separate agreement.
• Securemarts may update pricing at any time; existing subscribers will be notified in advance.

• All content, branding, software, and documentation provided by Securemarts are owned by or licensed to Securemarts.
• You are granted a limited, non-exclusive, non-transferable license to use the Services for your business.
• You may not reproduce, distribute, or create derivative works without prior written consent.

• Our Privacy Policy governs the collection, use, and storage of personal data.
• You retain ownership of your business and customer data.
• By using the Services, you grant Securemarts a limited right to process your data to provide, improve, and secure the Services.
• You are responsible for obtaining consents from your end customers, where applicable.

• Securemarts may integrate with payment processors, messaging providers, or cloud services.
• You acknowledge third-party terms and fees may apply.
• Securemarts is not responsible for third-party service failures or data breaches.

• Securemarts implements industry-standard security measures, including encryption, access controls, and audit logging.
• You are responsible for securing your devices, accounts, and passwords.
• Securemarts is not liable for losses caused by unauthorized access due to weak credentials.

• The Services are provided “as is” and “as available”.
• Securemarts does not guarantee uninterrupted, error-free, or secure access.
• To the maximum extent permitted by law, Securemarts disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

• Securemarts shall not be liable for indirect, incidental, special, or consequential damages.
• Total liability for any claim shall not exceed the fees paid by you for the Services in the preceding 12 months.
• This limitation applies regardless of the legal theory, whether contract, tort, or statute.

• Securemarts may suspend or terminate your access for breaches, fraud, or legal obligations.
• You may terminate your account at any time by contacting support.
• Upon termination, your data will be handled per our Privacy Policy, including options for export or deletion.

• These Terms are governed by the laws of the Federal Republic of Nigeria.
• Any disputes shall be resolved in the courts of Nigeria, unless otherwise agreed in writing.

• Securemarts may update these Terms from time to time.
• Updates are effective when posted on the website or notified to you.
• Continued use of the Services constitutes acceptance of the updated Terms.

Securemarts Ltd.