Terms and Conditions

Welcome to The Contribution. By accessing or using our website, you agree to comply with and be bound by the following terms and conditions. Please read these terms carefully.

1. Acceptance of Terms

By using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you must not use this website.

2. Description of Services

The Contribution operates as a fee-based financial intermediary, connecting diaspora capital with short-tenor, asset-backed opportunities in Nigeria. We aggregate capital from the UK, US, and EU diaspora and deploy it into opportunities, primarily focusing on FMCG distributors. Our services are designed to structure financial flows so that investors stay in hard currency. We earn fees for our services, not interest spreads.

3. Investment Disclaimer

Investing in financial markets involves risk, including the potential loss of principal. The information provided on this website is for informational purposes only and does not constitute financial advice. You should consult with a qualified financial advisor before making any investment decisions. The Contribution does not guarantee any specific investment outcome or return.

4. Eligibility

To use our services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. By using this website, you represent and warrant that you meet these eligibility requirements.

5. User Responsibilities

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to provide accurate and complete information when using our website and services. You must not use our website for any unlawful purpose or in any way that could damage, disable, overburden, or impair our website or interfere with any other party’s use of our website.

6. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of The Contribution or its licensors and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works of any content on this website without our prior written consent.

7. Limitation of Liability

To the fullest extent permitted by law, The Contribution shall not be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of this website or our services, even if we have been advised of the possibility of such damages. Our liability is limited to the fees you have paid to us for our services.

8. Indemnification

You agree to indemnify and hold The Contribution harmless from any claims, damages, liabilities, costs, and expenses (including attorneys’ fees) arising out of or in any way connected with your use of this website or our services, your violation of these Terms and Conditions, or your violation of any rights of another party.

9. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms and Conditions by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the jurisdiction in which The Contribution is established, without regard to its conflict of law principles.

11. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on this website. Your continued use of this website after any changes constitutes your acceptance of the revised Terms and Conditions.

12. Termination

We may terminate your access to this website and our services at any time, with or without cause. Upon termination, your right to use our website and services will immediately cease.

13. Contact Information

If you have any questions about these Terms and Conditions, please contact us at [insert contact information].

14. Entire Agreement

These Terms and Conditions constitute the entire agreement between you and The Contribution regarding your use of this website and our services, superseding any prior agreements or understandings.

15. Severability

If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

16. Waiver

No waiver of any provision of these Terms and Conditions shall be effective unless in writing and signed by The Contribution. Our failure to enforce any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision.