Terms of Use

SmartSMB Advisory Ltd. is a financial management and business advisory firm. The Website provides information about our firm and services, and a means of contacting us.

Your use of the Website confirms that you have read, understood, and agreed to these Terms and to our Privacy Policy. We may update these Terms from time to time; the version in force is the one published on the Website at the time you access it. Continued use after a change constitutes acceptance of the updated Terms.

The Website and our services are intended for businesses and for individuals who are at least 18 years old. By using the Website, you confirm that you meet this requirement.

The content on this Website is provided for general information only. Nothing on the Website constitutes financial, accounting, investment, tax, legal, or professional advice, and nothing on it should be relied upon as such. Reading the Website, downloading material from it, or contacting us through it does not create a client or advisory relationship between you and SmartSMB. An advisory relationship arises only when a written engagement letter is signed by both parties.

Any examples, illustrations, figures, or outcomes described on the Website are for explanation only and are not promises or guarantees of any particular financial result. Business and financial decisions carry risk, and outcomes depend on factors specific to each business and outside our control.

We take reasonable care to keep the Website accurate and up to date, but we make no warranty that it is complete, current, or error-free. We may change, suspend, or withdraw any part of the Website at any time without notice.

All content on the Website - including text, graphics, logos, the SmartSMB name and brand, layouts, frameworks, templates, and downloadable materials - is owned by or licensed to SmartSMB and is protected by applicable intellectual property laws. You may view and print content for your own non-commercial reference. You may not copy, reproduce, republish, distribute, sell, or create derivative works from any part of the Website for commercial purposes without our prior written permission.

The Website may contain links to third-party websites, for example social media or partner pages. We provide these for convenience only and do not control or endorse them. We are not responsible for the content, accuracy, or practices of any third-party site, and your use of them is at your own risk and subject to their own terms.

If you contact us through the Website, by WhatsApp, or by email, please do not send sensitive financial details, passwords, payment-card numbers, or other confidential information through unsecured channels. Information you submit through the Website is handled in accordance with our Privacy Policy. Any general suggestions or feedback you send us may be used by us without obligation to you.

To the fullest extent permitted by law, SmartSMB will not be liable for any loss or damage - whether direct, indirect, incidental, consequential, or otherwise - arising from your access to, use of, or inability to use the Website, or from reliance on any information on it. Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Nigerian law.

You agree to indemnify and hold SmartSMB harmless from any claims, losses, or expenses arising out of your misuse of the Website or your breach of these Terms.

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising in connection with them is subject to the exclusive jurisdiction of the courts of Nigeria.