Legal

Terms & Agreement

These Terms and Agreement (the “Agreement”) are entered into by and between the Council for Business Innovation and Excellence (“CBIE”) and the participating entity, nominee, judge, service provider, or strategic partner identified in the relevant documentation or engagement form (the “Participant”). This Agreement sets forth the terms, conditions, and obligations governing participation in, or service delivery to, any initiative, event, program, or engagement organized, hosted, or managed by CBIE.

Capitalized terms used but not defined herein shall have the meanings set forth in any applicable annex, brief, statement of work, contract, nomination package, or engagement memo.

 

1. Engagement and Participation

1.1 Engagement Scope. Subject to the terms and conditions of this Agreement, CBIE agrees to provide access to its platforms, judging processes, public engagements, program materials, services, or decision-making activities, as applicable to the Participant’s role. Participants shall engage only within their designated capacity, such as Nominee, Judge, Vendor, or Strategic Partner, and within the timelines or event cycle assigned.

1.2 Deliverables. CBIE shall make available such content, templates, schedules, digital infrastructure, and information necessary for the Participant to fulfill their role. These may include nomination guidelines, judge evaluation frameworks, public relations content, or operational toolkits.

1.3 Exclusivity and Delegation. The Participant may not assign, sublicense, or delegate responsibilities or rights under this Agreement to any third party without prior written consent from CBIE. Where CBIE approves delegation, the Participant remains fully liable for the performance and conduct of the delegate.

1.4 Service Adjustments. CBIE reserves the right to adjust, suspend, or terminate any service, engagement, or access component for maintenance, strategic realignment, or compliance purposes. Notice shall be provided where feasible.

 

2. Use of Materials and Intellectual Property

2.1 Ownership. CBIE retains exclusive rights over all intellectual property associated with its materials, evaluation rubrics, communications, presentations, brand assets, and documentation. Participants may not modify, distribute, reproduce, or create derivative works without prior authorization.

2.2 Participant Submissions. Any content, application, statement, report, or material submitted to CBIE may be used for program evaluation, publicity, record-keeping, and knowledge dissemination. By submitting materials, Participants grant CBIE a royalty-free, non-exclusive, worldwide license to use, publish, adapt, and display the content with appropriate attribution unless otherwise agreed.

2.3 Data and Records. CBIE shall maintain secure records of all Participant data, submissions, evaluations, and outcomes. Participants acknowledge that such data may be anonymized and used for program analytics, research, or improvement purposes.

2.4 Limitations. Participants may not use CBIE materials or platforms for purposes unrelated to the engagement, nor extract, download, or republish proprietary data or documents.

 

3. Confidentiality and Data Protection

3.1 Confidential Information. Participants agree to treat as confidential all information shared by CBIE that is marked or reasonably deemed confidential, including internal processes, deliberations, financial information, technical assets, and unpublished decisions.

3.2 Data Handling. CBIE adheres to applicable data protection laws and commits to safeguarding personally identifiable information. Participant data shall be accessed strictly for operational purposes.

3.3 Data Retention. CBIE may retain relevant data and records for archival, legal, or programmatic reasons, even after the termination of the Participant’s engagement.

3.4 Public Acknowledgement. Unless objected to in writing, CBIE reserves the right to publicly name Participants, organizations, and partners in event summaries, websites, reports, or promotional content.

 

4. Responsibilities of Participants

4.1 Accuracy of Information. Participants are responsible for the truthfulness and accuracy of all submitted data and documentation. Misrepresentation may result in disqualification or revocation of recognition.

4.2 Conduct Standards. All Participants shall conduct themselves with professionalism, impartiality, and integrity in accordance with CBIE’s Code of Engagement. Judges and reviewers must disclose conflicts of interest where applicable.

4.3 Compliance. Participants must comply with all applicable laws, CBIE guidelines, and the terms of this Agreement throughout the duration of engagement.

4.4 Communication Protocols. Participants must respond to CBIE communication within reasonable timeframes and keep their contact information updated.

 

5. Service Changes and Modifications

5.1 Program Revisions. CBIE may revise the format, timeline, or content of any program, evaluation, or engagement mechanism.

5.2 Platform Downtime. CBIE shall not be liable for temporary unavailability of online tools due to maintenance, updates, or third-party service interruptions.

5.3 Upgrades and Additions. CBIE may introduce new features, modules, or engagement formats. Continued participation shall imply agreement with additional terms applicable to new modules.

 

6. Term and Termination

6.1 Duration. This Agreement remains in effect from the date of acceptance and shall continue through the period of active engagement, unless otherwise terminated in accordance with this Section.

6.2 Termination by CBIE. CBIE may terminate this Agreement immediately if the Participant violates any terms herein, engages in misconduct, or jeopardizes the integrity or reputation of CBIE.

6.3 Voluntary Withdrawal. Participants may withdraw from an engagement by submitting written notice. However, any content, decisions, or actions prior to withdrawal remain subject to CBIE’s use and records policies.

6.4 Effect of Termination. Upon termination, Participants shall immediately cease use of CBIE materials and return or destroy confidential content in their possession. Sections related to confidentiality, IP, and dispute resolution shall survive.

 

7. Limitations of Liability

7.1 Indirect Damages. CBIE shall not be liable for any indirect, consequential, or incidental damages arising from participation in its programs.

7.2 Liability Cap. Maximum liability, if any, shall not exceed the direct cost paid by the Participant (if applicable) within the twelve months preceding any claim.

7.3 No Guarantee of Outcome. Participation does not guarantee award recognition, funding, or public exposure.

 

8. Dispute Resolution and Governing Law

8.1 Dispute Resolution. Parties agree to resolve disputes amicably. Failing that, disputes shall be settled through arbitration under Nigerian law.

8.2 Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Venue shall be Lagos.

8.3 Legal Expenses. Each party shall bear its own legal costs unless otherwise ordered by an arbitration panel.

 

9. Notices and Communication

9.1 Notice Format. All notices under this Agreement shall be sent to the official CBIE email or mailing address and deemed received within one business day of delivery.

9.2 Digital Delivery. CBIE reserves the right to deliver official updates via email, participant portals, or third-party platforms.

9.3 Authorized Contacts. Only persons listed as official representatives may issue or respond to contractual notices.

 

10. General Provisions

10.1 Independent Parties. Nothing herein creates a joint venture, employment, or partnership relationship.

10.2 Amendments. CBIE reserves the right to amend these terms. Continued participation implies acceptance.

10.3 Severability. If any provision of this Agreement is held invalid, the remainder shall remain enforceable.

10.4 Entire Agreement. This document, along with any relevant brief, nomination, or engagement memo, constitutes the entire agreement.

10.5 No Waiver. Failure to enforce any provision shall not constitute a waiver of the right to do so later.

By participating under CBIE in any capacity, the Participant affirms understanding and acceptance of the above terms and agreement.

Services – Privacy Policy

The Council for Business Innovation and Excellence (“CBIE,” “we,” or “us”) recognizes that privacy is a foundational concern for the individuals, institutions, and organizations (“Clients”) that engage with us and participate in our events, programs, platforms, and services (the “Services”). These Clients include startups, founders, partners, sponsors, judges, vendors, and enterprise representatives. Our privacy policy applies to all digital and physical components of our Services, including but not limited to hosted platforms, registration portals, judge interfaces, submission platforms, and data analysis tools.

This Privacy Policy (“Policy”) explains how we collect, use, disclose, and safeguard the personal information you provide through our Services. It is an integral part of the Terms and Agreement between CBIE and its Clients, vendors, or users. By engaging with or accessing any CBIE Services, you consent to the practices described in this Policy. If you do not agree, please refrain from using the Services.

Note: This policy does not apply to the CBIE promotional or marketing website. Please refer to the appropriate link for that privacy policy.

A Special Note for International Users: CBIE is headquartered in Nigeria and currently stores and processes data within Nigeria. By accessing our Services from outside the country, you consent to the transfer, processing, and storage of your personal information in Nigeria or other jurisdictions where data privacy laws may differ from those in your region.

This Policy covers:

  1. How We Collect and Use Information
  2. How We Share Information
  3. How We Protect Your Information
  4. Choices About Your Information
  5. Compliance with Data Privacy Laws
  6. Data Protection Policies, Practices, and Procedures
  7. Children’s Privacy
  8. Links to Third-Party Services
  9. Contacting Us
  10. Updates to This Policy

 

  1. How We Collect and Use Information

We collect various types of information, depending on how you interact with our Services:

1.1 Client and User Information: When organizations, judges, vendors, or partners register for our Services, we may collect names, email addresses, phone numbers, roles, company names, and additional professional identifiers. We also gather user credentials such as usernames and passwords where applicable.

1.2 Usage Data: We automatically track usage data, including login activity, access frequency, submission records, event attendance, evaluation metrics, and communications. We use this data to:

  • Provide and maintain our Services.
  • Improve the user experience.
  • Facilitate engagement tracking and reporting.
  • Ensure compliance with our operational standards.
  • Conduct diagnostics and resolve issues.
  • Develop anonymized insights and performance analytics.

1.3 Cookies and Tracking Technologies: We use cookies, web beacons, and local storage to:

  • Authenticate users.
  • Store session data.
  • Remember user preferences.
  • Analyze interaction patterns.
  • Identify potential misuse or security issues.
  • Improve navigation and responsiveness.

1.4 Event and Submission Data: We store documents, evaluations, nominations, and uploads submitted through our portals. These may include business details, project summaries, pitch materials, and review outcomes.

1.5 Communication Records: When you email us, chat with our representatives, or respond to surveys or forms, we retain these communications to support our services, respond to queries, and fulfill your requests.

1.6 Marketing Communications: You may receive occasional updates, newsletters, or promotional messages if you have opted in. You can unsubscribe at any time, though transactional and service-related messages may still be sent to maintain communication for active engagements.

 

  1. How We Share Information

We do not sell personal information. We only share it under the following limited circumstances:

2.1 Authorized Partners: With service providers or contractors performing tasks on our behalf, such as cloud hosting, data processing, identity verification, or event support. These third parties are bound by strict confidentiality obligations.

2.2 Affiliated Platforms: If you engage with any affiliated platform (e.g., judge networks, accelerator partners), we may share necessary information for continuity of service and event participation, subject to mutual agreements.

2.3 Legal and Regulatory Requirements: We may share your information with law enforcement or regulatory authorities when legally obligated or to protect against fraud, abuse, threats, or violations of our terms.

2.4 Merger, Sale, or Reorganization: If CBIE undergoes a structural change, such as merger, asset sale, or dissolution, your data may be transferred to the successor entity.

2.5 Aggregated and De-Identified Data: We may publish aggregate reports that do not identify individual users, such as participation trends, performance scores, or general program analytics.

 

  1. How We Protect Your Information

We implement a multi-layered security approach to protect your information:

  • Data encryption (SSL/TLS) for data in transit.
  • Access restrictions and credential validation.
  • Firewall and intrusion detection systems.
  • Role-based permissions for sensitive operations.
  • Audit logs and anomaly detection mechanisms.

While no digital system is entirely immune to threats, we strive to follow global security best practices and continuously update our protocols.

 

  1. Choices About Your Information

4.1 Access and Updates: Clients and users may request to review, update, or correct information by contacting support@cbie.ng. We aim to respond to all access-related queries within ten business days.

4.2 Opt-Out of Communications: Marketing emails contain opt-out instructions. You may also email unsubscribe@cbie.ng to request removal from specific mailing lists. Service-related messages, such as platform notices or evaluation deadlines, are considered essential and may not be opted out of.

4.3 Cookie Preferences: Your browser may allow you to reject or delete cookies. However, disabling cookies may limit access to some platform features.

 

  1. Compliance with Data Privacy Laws

CBIE complies with applicable Nigerian data protection regulations, including NDPR (Nigeria Data Protection Regulation). We are committed to aligning with global data governance principles, such as those under GDPR, to the extent practicable and relevant.

All personal and sensitive data shared with CBIE is handled with:

  • Transparency in purpose and duration.
  • Consent-driven data capture.
  • Auditability of access and usage.
  • Defined retention and disposal protocols.

 

  1. Data Protection Policies, Practices, and Procedures

We apply the following standards to all sensitive or identifiable data:

  • Access only on a need-to-know basis.
  • Mandatory confidentiality agreements for staff and vendors.
  • Data minimization across reports and portals.
  • Log-in and activity tracking for critical operations.
  • Custom permission roles defined by the Client for hosted modules.

CBIE’s internal Privacy and Compliance Officer oversees adherence to policy, internal audits, and partner compliance.

6.1 Retention and Deletion: Client data is retained only as long as required for the stated purpose, unless longer retention is legally mandated. Upon termination of services, data will be purged in phases according to our retention schedule.

6.2 Third-Party Compliance: All third parties or vendors interfacing with CBIE Services are subject to equivalent privacy and security obligations.

6.3 Data Breach Notification: In the event of a suspected or confirmed breach, CBIE will notify affected Clients within 48 hours and cooperate fully with any mitigation process.

 

  1. Children’s Privacy

CBIE does not knowingly collect personal data from individuals under the age of 13. If you are a parent or guardian and believe that your child has submitted personal data to us, please contact us immediately. Any unintentional data collected from minors will be deleted upon verification.

 

  1. Links to Third-Party Services

Our Services may contain links to third-party platforms. This Policy does not apply to the data practices of those services. We encourage users to review the privacy statements of any third-party platforms before use.

 

  1. Contacting Us

If you have questions, concerns, or requests related to this Policy or your personal data, contact:

 

  1. Changes to This Policy

CBIE may update this Policy from time to time. Updates will be posted on our Services portal and will include a revision date. We encourage you to review this Policy periodically. Continued use of our Services after changes indicates acceptance of the updated terms.

Effective Date: July 4, 2025

CBIE, LTD – WEBSITE PRIVACY POLICY

Last Updated: July 4, 2025

 

The Council for Business Innovation and Excellence (“CBIE,” “we,” or “us”) understands that privacy is tremendously important to visitors to our website and to users who subscribe to, partner with, or participate in any CBIE program, initiative, or activity (“Partners” and “Participants,” respectively). This privacy policy (the “Privacy Policy”) applies to our website, www.cbie.ng and associated webpages (collectively, the “Site”) and will help you understand how we collect, use and safeguard the personal information provided to us on or in connection with the Site.

This Privacy Policy is part of our Website Terms of Use [https://cbie.ng/privacy-policy] applicable to the Site (the “Terms”). By using the Site or submitting any content, materials, or other information via the Site (“Submissions”), you acknowledge that you have read and agree to this Privacy Policy. If you do not agree with this Privacy Policy, you may not use the Site or make any Submissions.

 

A Special Note for International Visitors to our Site:

Our computer systems are currently based in Nigeria and may interface with servers based in other countries, including the United States. If you visit the Site from outside of Nigeria, you are agreeing to the terms of this Privacy Policy and our Terms, and you consent to the transfer and processing of your personal information across international boundaries, including jurisdictions that may have different privacy standards from your own.

 

This Privacy Policy provides the following information:

  • How We Collect and Use Information
  • How We Share Information
  • How We Protect Your Information
  • Choices About Your Information
  • Children’s Privacy
  • Links to Other Websites and Services
  • Additional State and Country Privacy Rights
  • How to Contact Us
  • Changes to This Privacy Policy

 

  1. HOW WE COLLECT AND USE INFORMATION

Information about Users

We ask for certain information when a user requests information about CBIE programs, signs up for an event or initiative, becomes a sponsor, makes a submission, or otherwise interacts with the Site. This information may include your name, email address, organization, phone number, social media handle, payment or donation data, and content of your messages. We also collect non-personally identifiable usage data about your interactions with the Site (such as pages viewed, time on page, and files downloaded). We use this information for:

  • Operating and maintaining the Site, including technical functionality and performance tracking
  • Managing and supporting your role as a Participant, Partner, Donor, or other stakeholder
  • Responding to your requests or submissions
  • Communicating with you about CBIE programs, activities, or opportunities
  • Sending occasional newsletters or promotional updates (unless you opt out)
  • Improving the Site experience and internal reporting
  • Processing transactions or registrations
  • Conducting organizational reporting, restructuring, or legal compliance

Information Collected Through Technology

We automatically collect certain usage data when visitors browse or interact with the Site. This includes:

  • Cookies (persistent and session-based)
  • Device identifiers
  • Log files (e.g., IP address, browser type, access times)
  • Web beacons (clear GIFs) in emails
  • Analytics data (e.g., via tools like Google Analytics)

We use this data to:

  • Streamline your Site experience
  • Remember user preferences
  • Provide analytics for site performance
  • Diagnose system issues
  • Monitor aggregate traffic metrics
  • Customize content

Types of Cookies We Use:

  • Essential Cookies: Session cookies necessary for core functionality
  • Acceptance Cookies: Persistent cookies that store your cookie consent
  • Functionality Cookies: To remember your preferences and personalize your experience

You can manage cookie preferences through your browser settings, but disabling cookies may affect Site functionality.

Publicly Available Information

If you post content (e.g., comments, donor acknowledgments, or partner recognition posts), that content may be publicly accessible. Do not submit information you wish to keep private in public-facing areas of the Site.

 

  1. HOW WE SHARE INFORMATION

CBIE only shares personal data in a limited number of circumstances:

  • With third-party service providers who support our Site operations or data processing, such as hosting platforms or analytics tools
  • With partners or co-hosts in CBIE events or sponsored programs (e.g., judges, evaluators, media collaborators), but only to support the function of that event
  • With our affiliates, such as related councils or programs operating under CBIE’s mandate
  • With other users if you choose to participate in a forum, list, or collaborative space
  • With consent, such as donor name listings (unless you request anonymity) or partner spotlights
  • With legal authorities, if required by law or legal process, or if necessary to protect CBIE or its users
  • In the event of a merger, acquisition, or restructuring, we may transfer user data to the successor entity

We may share anonymized or aggregated data that cannot be used to identify any individual. Currently, we may use service providers like:

  • Instructure Inc. (Canvas LMS)
  • Google Analytics (see Google’s privacy policy)
  • Mailchimp (for newsletters)

 

  1. HOW WE PROTECT YOUR INFORMATION

CBIE stores and processes data primarily in Nigeria, but some data may be handled by cloud-based platforms outside Nigeria. We use reasonable security measures including:

  • Encryption (SSL/TLS)
  • Access controls (password-protected portals)
  • Data segmentation
  • PCI-compliant third-party payment processors (e.g., Paystack, Flutterwave, Stripe)
  • Firewalls and system monitoring
  • Limited staff access to personal data

No method of transmission over the internet is 100% secure. We advise you to be cautious when submitting personal data, especially in public or shared locations.

 

  1. CHOICES ABOUT YOUR INFORMATION
  • You may opt out of marketing emails by clicking “unsubscribe” in the message footer or emailing: privacy@cbie.ng
  • You may request access, correction, or deletion of your personal data by emailing privacy@cbie.ng
  • Cookies can be managed in your browser settings; however, disabling them may impact user experience
  • Usage data may be retained for analytics, internal audits, or legal reasons. Aggregated data may be kept longer

 

  1. CHILDREN’S PRIVACY

CBIE does not knowingly collect data from children under 13. If you believe we have collected such information without appropriate consent, please contact us immediately at privacy@cbie.ng, and we will delete it.

 

  1. LINKS TO OTHER WEBSITES AND SERVICES

This Privacy Policy applies only to CBIE’s Site. It does not apply to third-party websites or platforms linked through our Site. Please review the privacy policies of those external sites before engaging with them.

 

  1. ADDITIONAL STATE OR NATIONAL PRIVACY RIGHTS

Depending on your jurisdiction, you may have additional rights regarding your personal data. For instance:

Nigeria (NDPR Compliance):

  • Right to be informed
  • Right of access
  • Right to rectification
  • Right to erasure
  • Right to object to processing
  • Right to data portability
    To exercise these rights, email: privacy@cbie.ng

California (CCPA/CPRA):

  • Right to know what data is collected
  • Right to request deletion
  • Right to opt-out of sale (CBIE does not sell data)
  • Right to data portability
  • Right to non-discrimination
    To make a California privacy request, email: legal@cbie.ng

EU/UK (GDPR):

  • Right to access, correction, and deletion
  • Right to restrict or object to processing
  • Right to lodge a complaint with a supervisory authority
    We process EU/UK data only upon request or collaboration with relevant clients. Contact privacy@cbie.ng for any GDPR inquiries.

 

  1. HOW TO CONTACT US

For privacy questions, data concerns, or to make a formal request, contact:

Email: privacy@cbie.ng

Address: CBIE Secretariat, 7B Adewale Street, Lekki Phase 1, Lagos, Nigeria
Phone: +234-800-CBIE-NG

 

  1. CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we may also notify registered users via email. By continuing to use the Site after updates are posted, you agree to the revised Privacy Policy.

Last Updated: July 4, 2025

COUNCIL FOR BUSINESS INNOVATION AND EXCELLENCE – WEBSITE TERMS OF USE

Last Updated: July 4, 2025

These Terms of Use (together with our Website Privacy Policy, collectively, the “Terms” or this “Agreement”) constitute a legal agreement between you and the Council for Business Innovation and Excellence, a non-governmental organization registered under the laws of the Federal Republic of Nigeria (“CBIE”), that governs your use of the www.cbie.ng website and associated webpages (collectively the “Site”).

Please read these Terms carefully. Your use of the Site constitutes your agreement, without modification, to all of the terms, conditions, and notices set forth herein. If you do not accept these Terms, you may not use the Site. As used in these Terms, “we,” “our,” or “us” refers to CBIE. “You,” “yours,” or similar designation refers to the person accessing or using the Site.

We reserve the right to change these Terms at any time by posting revised Terms on the Site or by sending a notice to the last email address you provided. Changes are effective immediately upon posting. Your continued use of the Site following the posting of any changes constitutes your acceptance of the updated Terms.

SITE CONTENT

All content on the Site is protected by copyright, trademark, service mark, trade dress, and other intellectual property rights held by CBIE or our licensors. We grant you a limited license to access and use the Site solely for purposes of learning about our programs, applying to participate, or communicating with us.

You may not download (other than page caching), reproduce, display, modify, distribute, transmit, republish, or create derivative works from Site content without our express written permission. This includes code, documentation, or media embedded in the Site.

You must abide by all copyright and trademark notices or restrictions associated with any materials on the Site. CBIE and its licensors retain full ownership of all content and technology provided on the Site.

This license does not permit:

  • Resale or commercial use of Site content
  • Use of data scraping or extraction tools
  • Framing of Site content without our written permission
  • Use of CBIE’s name, logo, or metatags without prior consent

Any unauthorized use terminates this license immediately.

We may update, remove, or restrict portions of the Site at any time without notice or liability.

LINKS TO THIRD-PARTY SITES

The Site may include links to third-party websites not controlled by CBIE (“Linked Sites”). These links are provided for your convenience only. CBIE is not responsible for the content, accuracy, or security of any Linked Site. We do not endorse any third-party content, nor do we accept liability for damages resulting from your access or use of Linked Sites.

USE OF SITE

By accessing the Site, you agree:

  • Not to use the Site for any unlawful purpose or in violation of these Terms
  • Not to attempt unauthorized access to the Site or its content
  • Not to disrupt or interfere with other users’ use of the Site
  • Not to post or transmit content that is illegal, offensive, defamatory, harmful, or that infringes the rights of any third party

You also agree not to upload or distribute any content that:

  • Promotes discrimination or hate speech
  • Contains malware, viruses, or spyware
  • Is misleading or impersonates another individual
  • Violates applicable copyright, trademark, or data protection laws

CBIE reserves the right to report violations to authorities or pursue legal action, where necessary.

SUBMISSIONS

Any materials, messages, feedback, suggestions, or other content you submit through the Site (collectively, “Submissions”) are deemed non-confidential and non-proprietary, unless explicitly stated otherwise.

By making a Submission, you grant CBIE and its affiliates a perpetual, worldwide, royalty-free license to use, display, modify, reproduce, transmit, distribute, and sublicense such Submissions in connection with the Site and CBIE’s operations, unless otherwise restricted by law.

You represent and warrant that you own or control all rights to your Submissions and that your content does not violate the rights of others or any law.

Personal information submitted via the Site is governed by our Privacy Policy.

TRUTHFUL DISCLOSURE

Some Site features may require you to submit personal information. You agree to provide truthful, complete, and current information.

You must not impersonate others, misrepresent your affiliation, or submit data you do not have the legal right to share. You are solely responsible for maintaining the confidentiality of your information and for activities carried out under your account or identity.

Report any security breaches or unauthorized use to support@cbie.ng immediately.

LIABILITY DISCLAIMER AND LIMITATION

The Site and its content are provided “as is.” CBIE makes no warranties, express or implied, regarding:

  • Accuracy or completeness of the Site
  • Availability or uninterrupted access
  • Security or error-free performance
  • Suitability for a particular purpose

We disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Your use of the Site is at your own risk. CBIE will not be liable for:

  • Direct or indirect damages
  • Lost profits or data
  • Unauthorized access to personal data
  • Site downtime, errors, or viruses
  • Third-party conduct or content

If you are dissatisfied with the Site or these Terms, your sole remedy is to discontinue use of the Site.

TERMINATION AND ACCESS RESTRICTION

CBIE reserves the right to suspend or terminate your access to the Site at any time, without notice, for any reason, including violation of these Terms. Upon termination, all rights granted to you under this Agreement shall cease.

The provisions regarding Submissions, Disclaimers, Indemnification, and Governing Law shall survive any termination of this Agreement.

INDEMNIFICATION

You agree to indemnify and hold harmless CBIE and its affiliates, directors, officers, employees, agents, partners, and licensors from any claim, liability, damages, loss, or costs arising from:

  • Your use or misuse of the Site
  • Your Submissions or content
  • Your violation of these Terms or applicable law

CBIE reserves the right to assume the exclusive defense and control of any matter subject to indemnification. You may not settle any matter without CBIE’s prior written consent.

COMPLIANCE WITH LAWS

You agree to use the Site in compliance with all applicable local, national, and international laws and regulations. You are responsible for compliance with your jurisdiction’s rules, especially regarding data use, intellectual property, and export laws.

The Site is managed in Nigeria, and access may be restricted in jurisdictions where the Site is prohibited by law.

GENERAL

These Terms and the accompanying Privacy Policy constitute the entire agreement between you and CBIE regarding use of the Site and supersede any prior agreements or understandings.

No waiver or modification of these Terms shall be valid unless in writing and signed by CBIE. If any provision is found to be invalid, the remaining provisions shall remain in full force.

Governing Law:
This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. You consent to the exclusive jurisdiction of the courts located in Lagos, Nigeria for resolution of any disputes.

Any cause of action relating to these Terms must be commenced within one (1) year of the cause arising. CBIE shall be entitled to recover reasonable legal fees for enforcement of these Terms.

CBIE’s failure to enforce any provision does not constitute a waiver. Headings are for reference only and do not affect interpretation.

You may not assign these Terms without our prior written consent. CBIE may assign these Terms without restriction.

Contact Information:
📧 legal@cbie.ng
📍 CBIE Secretariat, 7B Adewale Street, Lekki Phase 1, Lagos, Nigeria