Terms of Service

1 Acceptance of Terms

By accessing or using the Website, you agree to comply with and be bound by these Terms. NBT Cover Ltd ("we," "us," or "our") operates the website www.nbtcover.com, a company registered in Nigeria.

We may revise and update these Terms from time to time without prior notice. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms. We encourage you to review this page periodically.

2 Use of the Website

You agree to use the Website only for lawful purposes and in a way that does not infringe upon the rights of others or inhibit their use and enjoyment of the Website. You must not:

• Use the Website in any unlawful manner or in violation of any applicable regulations
• Transmit unsolicited commercial communications or spam
• Attempt to gain unauthorized access to any part of the Website or its related systems
• Interfere with or disrupt the integrity or performance of the Website
• Reproduce, duplicate, copy, or resell any part of the Website without our express written permission

3 User Accounts

To access certain features of the Website, you may be required to create an account. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Providing accurate and up-to-date information during registration

You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that violate these Terms.

4 Privacy

Your use of the Website is governed by our Privacy Policy. By using the Website, you consent to the collection and use of your personal information in accordance with our Privacy Policy. We encourage you to read it carefully.

5 Intellectual Property

All content on the Website — including text, graphics, logos, images, audio, and software — is the property of NBT Cover Ltd and is protected by Nigerian and international copyright laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or in any way exploit any of the Website's content without our prior written consent.

6 Disclaimer

The information on this Website is provided for general information purposes only and does not constitute professional insurance or legal advice. We make no representations or warranties of any kind, whether expressed or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website's content for any particular purpose.

7 Limitation of Liability

In no event will NBT Cover Ltd, its directors, employees, or affiliates be liable for any loss or damage including, without limitation:

• Indirect or consequential loss or damage
• Loss of data or profits arising from use of the Website
• Interruption to, or suspension of, the Website for any reason
• Errors, inaccuracies, or omissions in the Website's content

Our total liability to you in connection with these Terms shall not exceed the amount paid by you, if any, to access the Website in the twelve months preceding the claim.

8 Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. You irrevocably agree to submit to the exclusive jurisdiction of the Nigerian courts to resolve any dispute arising out of or in connection with these Terms or your use of the Website.

If you have any questions about these Terms, please contact us at info@nbtcover.com.