Terms & Conditions

In these Terms, unless the context otherwise requires:

• "Content" means all text, graphics, images, logos, data, software, and other material made available on or through the Website.
• "Services" refers generally to the wealth management and advisory services described on the Website; it does not refer to the Website itself, and access to the Website does not constitute the provision of Services.
• "Applicable Law" means the laws, regulations, and regulatory guidance of the Federal Republic of Nigeria, including those issued by the Securities and Exchange Commission (SEC), the Central Bank of Nigeria (CBN), and the Nigeria Data Protection Commission (NDPC), together with any other law applicable to the Firm's operations.
• "Client Agreement" means the separate written agreement entered into between the Firm and a client for the provision of Services, which governs that relationship and is not superseded by these Terms.
• "Confidential Information" has the meaning given in Section 12 (Confidentiality of Information).

This Terms of Use Agreement takes effect from the moment you access or otherwise use the Website. Your continued use of the Website following any posted changes constitutes your acceptance of these Terms as amended. If you are entering into this agreement on behalf of a company, trust, or other entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case "you" refers to that entity.

The Website is provided for general informational purposes about the Firm and its wealth management services. It is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to local law or regulation, or which would subject the Firm to any registration requirement within such jurisdiction. It is your responsibility to ensure that your use of the Website complies with the laws applicable to you.

The Content is provided for general information only and does not constitute investment, legal, tax, or financial advice, nor an offer, solicitation, invitation, or recommendation to buy, sell, or subscribe for any security, product, or service, in any jurisdiction. Nothing on the Website should be relied upon as the basis for any investment decision, and it does not take into account your individual circumstances, objectives, or risk tolerance.

Any market commentary, projections, illustrations, or forward-looking statements on the Website are provided for general illustrative purposes only. They are not predictions, forecasts, or guarantees of future performance or outcomes, and actual results may differ materially. Past performance information, where referenced, is not indicative of future results, and the value of investments can fall as well as rise. Any engagement of the Firm's Services is subject to a separate Client Agreement, together with applicable onboarding, suitability assessment, and know-your- customer (KYC) and anti-money laundering (AML) due diligence requirements.

By using the Website, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into a binding agreement. The Website is not directed at, and should not be used by, minors.

You agree to use the Website only for lawful purposes and in accordance with these Terms.

Without limiting the foregoing, you must not:

• Use the Website in any way that breaches any Applicable Law or regulation, whether in Nigeria or any other jurisdiction from which you access the Website.
• Use the Website in any manner that is fraudulent, deceptive, defamatory, obscene, or otherwise unlawful or objectionable.
• Introduce viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful.
• Use any automated system, including "robots," "spiders," or "offline readers," to access the Website in a manner that sends more request messages than a human can reasonably produce in the same period.
• Use the Website to transmit or procure the sending of any unsolicited or unauthorized advertising or promotional material, or any other form of similar solicitation (spam).
• Reproduce, duplicate, copy, sell, resell, or otherwise exploit any part of the Website in breach of these Terms.
• Misrepresent your identity or affiliation with any person or entity, or impersonate any person, including an employee or representative of the Firm.

You must not attempt to gain unauthorized access to the Website, the account of any other user, the server on which the Website is hosted, or any server, computer, or database connected to the Website. You must not attack the Website via a denial-of-service attack, distributed denial-of- service attack, or any other means intended to interfere with, disrupt, or place an unreasonable burden on the Website's infrastructure. You must not attempt to probe, scan, or test the vulnerability of the Website, or breach any security or authentication measures, without our prior written authorization. We reserve the right to restrict or terminate your access to the Website, without notice, if we reasonably believe you have engaged in any of the conduct described in this Section or in Section 6 (Acceptable Use).

The Website is designed to function with current versions of major web browsers. We do not guarantee that the Website will be compatible with, or will function correctly on, outdated browser versions, unsupported devices, or non-standard configurations. Certain features of the Website may require you to enable cookies, JavaScript, or other browser settings, in accordance with our Cookies Policy. You are responsible for ensuring that your device and browser meet the technical requirements necessary to access the Website safely and securely, including maintaining up-to- date antivirus and security software.

Certain areas of the Website, such as a client portal, may require registration or the creation of login credentials. Where this applies, the following provisions apply:

• Accuracy of information: You must provide true, accurate, current, and complete information during registration, and promptly update such information if it changes. We reserve the right to suspend or terminate any registration based on information we reasonably believe to be untrue, inaccurate, outdated, or incomplete.
• Confidentiality of credentials: You are solely responsible for maintaining the confidentiality of your username, password, and any other login credentials, and for restricting access to your device and account.
• Responsibility for account activity: You are responsible for all activities that occur under your account, whether or not authorized by you, except to the extent such activity results from our negligence or willful misconduct.
• Notification of unauthorized use: You agree to notify us immediately at the contact details in Section 28 (Contact Us) of any unauthorized use of your account, login credentials, or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this requirement.
• One account per user: Your registration is personal to you and may not be shared with, or transferred to, any other person, unless we expressly authorize otherwise in writing.
• Suspension and termination: We reserve the right to suspend, restrict, or terminate any account, at any time and without notice, where we reasonably believe you have breached these Terms, provided false information, or engaged in fraudulent, unauthorized, or suspicious activity. Where practicable, we will endeavor to notify you of any such action and the reasons for it.
• Multi-factor authentication: Where the Website offers additional security features, such as multi-factor authentication, we recommend that you enable them; you remain responsible for account security whether or not such features are enabled.

The Website and all Content, including the Finesse Capital name, logo, and other trademarks displayed on the Website, are the property of the Firm or its licensors and are protected by applicable intellectual property laws, including copyright, trademark, and database rights. All rights not expressly granted in these Terms are reserved.

Subject to these Terms, you may view, download, and print pages from the Website for your own personal, non-commercial use, provided that you do not modify, or delete, any copyright, trademark, or other proprietary notices, and that no Content is reproduced, republished, distributed, or otherwise exploited for any commercial purpose without our prior written consent.

No right, title, or interest in or to the Website or any Content is transferred to you as a result of your use of the Website. If you become aware of any infringement of our intellectual property rights, we ask that you notify us using the details in Section 28 (Contact Us).

The Website may contain links to third-party websites, including social media platforms, and may reference third-party service providers. These links are provided for your convenience only and do not constitute an endorsement, sponsorship, or recommendation by the Firm of the linked website or its content, products, or services. We have no control over, and accept no responsibility for, the content, accuracy, availability, or practices, including privacy practices, of any third-party website. Your use of any third-party website is at your own risk and subject to that website's own terms of use and privacy policy.

Any non-public information relating to the Firm's business, systems, products, or operations that is made available to you through the Website, other than information that is or becomes publicly available through no fault of yours, is confidential ("Confidential Information") and must not be disclosed to any third party or used for any purpose other than your evaluation of the Firm's Services, without our prior written consent.

This Section does not apply to your own personal data, which is addressed separately in our Privacy Policy, nor does it limit any disclosure required by Applicable Law or by a regulator or court of competent jurisdiction.

We do not guarantee that the Website, or any Content on it, will be uninterrupted, timely, secure, or error-free. We reserve the right to withdraw, suspend, or restrict access to all or part of the Website, or to modify or discontinue any feature, at any time and without notice or liability. From time to time, we may restrict access to parts of the Website, or the entire Website, for maintenance, security, or other operational reasons.

The Website and all Content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, timeliness, or completeness, to the fullest extent permitted by Applicable Law. We do not warrant that the Website will be free from viruses or other harmful components, and you are responsible for configuring your information technology and device to access the Website. No advice or information, whether oral or written, obtained through the Website shall create any warranty not expressly stated in these Terms.

To the fullest extent permitted by Applicable Law, the Firm, its directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive loss or damage whatsoever, including loss of data, revenue, profit, business, or goodwill, arising out of or in connection with your access to, or use of, or inability to use, the Website, or reliance on any Content, whether such liability arises in contract, tort (including negligence), breach of statutory duty, or otherwise, and even where we have been advised of the possibility of such loss. Nothing in these Terms excludes or limits our liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any other liability that cannot be excluded or limited under Applicable Law.

You agree to indemnify and hold harmless the Firm, its directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal fees, arising out of or in any way connected with your breach of these Terms, your misuse of the Website, or your violation of any Applicable Law or the rights of any third party.

Our collection, use, and protection of personal data through the Website is governed by our Privacy Policy, and our use of cookies and similar tracking technologies is governed by our Cookies Policy, each of which forms part of these Terms by reference. By using the Website, you acknowledge that you have read and understood those policies.

When you use the Website, or send emails or other communications to us, you consent to receive communications from us electronically. You agree that any notices, disclosures, agreements, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing, to the extent permitted by Applicable Law.

Email and other electronic communications are not guaranteed to be secure or free from interception, and we accept no liability for the confidentiality of information transmitted by you over such channels. You should not use email or other unencrypted electronic channels to transmit sensitive personal, financial, or account information. It is your responsibility to keep your email address and other contact details up to date; we will not be liable for any failure to receive communication as a result of your failure to do so.

The Firm operates in a regulated industry and is subject to Applicable Law, including AML/CFT and sanctions requirements. Nothing on the Website constitutes an offer or solicitation to any person in any jurisdiction in which such offer or solicitation is not authorized, or to any person to whom it would be unlawful to make such an offer or solicitation, including any person who is the subject of applicable sanctions.

The Firm shall not be liable for any failure or delay in the performance of its obligations under these Terms, including the availability of the Website, resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, governmental action, power or telecommunications failure, or failure of third-party service providers.

We may suspend or terminate your access to all or part of the Website, at any time and without notice, if we reasonably believe that you have breached these Terms or engaged in conduct that we consider inappropriate or unlawful. Provisions of these Terms which by their nature should survive termination, including but not limited to Sections 10 (Intellectual Property), 12 (Confidentiality of Information), 14 (No Warranties), 15 (Limitation of Liability), 16 (Indemnification), and 23 (Choice of Law and Dispute Resolution), shall survive any termination of your access to the Website.

If you have a complaint regarding the Website or its Content, please contact us using the details in Section 28 (Contact Us). We will endeavor to acknowledge and address complaints in a timely manner. This provision does not affect any right you may have to lodge a complaint with the Nigeria Data Protection Commission (NDPC), the Securities and Exchange Commission (SEC), or other relevant regulator.

These Terms, and any dispute or claim arising out of or in connection with them or their subject matter, formation, or the use of the Website (including non-contractual disputes or claims), shall be governed by, and construed in accordance with, the laws of the Federal Republic of Nigeria.

In the event of any dispute, the parties agree to first attempt to resolve the matter in good faith through our complaints procedure described in Section 22. If a dispute cannot be resolved within a reasonable period through this process, either party may refer the matter to mediation before a mutually agreed mediator. If the dispute remains unresolved, the courts of Nigeria shall have exclusive jurisdiction to settle the dispute, and each party submits to that jurisdiction accordingly.

No failure or delay by the Firm in exercising any right, power, or remedy under these Terms shall operate as a waiver of that right, power, or remedy, nor shall any single or partial exercise of any right, power, or remedy preclude any other or further exercise of it, or the exercise of any other right, power, or remedy. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of the Firm.

If any provision of these Terms is held by a court or regulator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, or if it cannot be so modified, shall be severed from these Terms, and the validity, legality, and enforceability of the remaining provisions shall not in any way be affected or impaired.

Entire Agreement: These Terms, together with our Privacy Policy and Cookies Policy, constitute the entire agreement between you and the Firm regarding your use of the Website and supersede any prior agreements or understandings relating to the same subject matter. These Terms do not affect, and are not affected by, the terms of any separate Client Agreement.

Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with any merger, acquisition, or reorganization of the Firm.

Relationship of the Parties: Nothing in these Terms shall be construed as creating a partnership, agency, joint venture, or fiduciary relationship between you and the Firm by virtue of your use of the Website alone.

No Third-Party Rights: Except as expressly stated, these Terms do not confer any rights on any person who is not a party to them.

We may update or revise these Terms from time to time, including on an ad hoc basis, to reflect changes on the Website, our Services, or Applicable Law. The updated version will be posted on the Website with a revised effective date. Your continued use of the Website following any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

If you have any questions about this Terms, please contact us.