Welcome to www.askanexpert.expert (the "Site"), the website that is a platform for on-line advice and professional consulting services. The site is owned and/or operated by The HORD Limited. ("Site Provider"). These terms and conditions (this "Agreement") sets and contains the terms and conditions between you, an expert in your field ("Expert") and the Site Provider.

By submitting your details on the Ask an Expert registration forms, you are agreeing to be bound by this Agreement. You should therefore read this Agreement carefully.

If, however, you do not agree to be bound by this Service Agreement, click the "Clear" button and do not register as an Expert on the platform.


In addition, by registering as an Expert and/or using the Site, you also are agreeing to the terms of The Site's Privacy Policy. When you register as an Expert you automatically become a site member; therefore the provisions of The Site's Customer Terms and Conditions are an integral part hereof, and are incorporated herein as part of this Agreement. .

You affirm that: (i) all of the information submitted in connection with this application is accurate, current, and complete; (ii) You have read, understand and agree to be legally bound by the rules and the contract governing the use of this service (including that You will use the service in conformity with your regulatory bodies), (iii) You have read, understand and agree that by typing Your (or business name) below, that You (or your business) will be legally bound by the terms and conditions of the Ask an Expert platform; and (iv) the obligation of this agreement extend to you and any relevant parties through which you perform services.

Activities by the Site Provider

The Site provides a platform where an Expert may present his or her expertise and sell advice or customer services to interested Site users ("Customers").

  1. The Site Provider makes no representation or warranty whatsoever as to success of an Expert on the Site for the number of clients or amount of business, or the willingness or ability of Customers to pay for any advice given by any Expert (regardless of whether the Site Provider provides promotional support). As a platform where Experts can offer services, the Site Provider is not involved in any transactions between Experts and Customers.
  2. The Site Provider does not control the accuracy of any postings on the Site or transmissions through it by Members. In addition, the Site Provider takes little or no responsibility for verifying the identity of any of its Members depending on the Connection package chosen by the member. Therefore, you are encouraged to verify the details and credit-worthiness of those Members to whom you give or contemplate giving advice.
  3. The Site Provider may review any Expert's personal profile and amend any typing or spelling errors. The Site Provider takes no responsibility for examining the truthfulness or accuracy of the details in an Expert's personal profile, credentials, qualifications, or any Expert's postings or transmissions. However, the Site Provider may, in its absolute discretion, remove or refuse to post or transmit any content uploaded by an Expert. Without derogating from the above, the Site Provider may remove any content violating this Agreement. Each Expert bears all risks associated with the uploading and transmitting material utilizing the Site, including reliance on its accuracy, reliability or legality.
  4. The Site Provider reserves the right to modify or discontinue, temporarily or permanently, the services in the Site, with or without notice to you. You agree that the Site Provider shall not be liable to you or any third party for any modification or discontinuance to the Site's services, or for any losses or damages that may result to you or any Customer you advise from such discontinuation or interruption of service.


The Site's services depend upon different factors such as; software, hardware and communications networks of the Site Provider, its partners, contractors and suppliers. Hence, the Site Provider cannot guarantee that the Site will not be interrupted or that it will be timely, secure or error-free The Site Provider, in its sole discretion and for any reason, may terminate your participation in the Site and refuse access by you to any, and all current or future use of the Site.

Disclaimer of Warranty, Limitation of Liability and Release


If you decide to provide your services using the Site, you must exercise a reasonable standard of care, at least the same as a professional advisor would in a similar transaction not conducted through the internet, or the standard of care mandated by your profession, whichever is higher. You shall not have any plea, claim or demand against the Site Provider, its affiliates, and their respective officers, directors, shareholders, employees, sub-contractors and agents in respect of any services you provide in connection with the use of the Site.

The Site Provider will not be deemed by the provider or recipient of any services acquired through the Site.

Under no circumstances will the Site Provider, its affiliates, and their respective officers, directors, shareholders, employees, sub-contractors and agents be liable to any Expert for any indirect, incidental, consequential, special, punitive or exemplary damages (including but not limited to loss of business, revenue, profits, use, data or other economic advantage).

However, if it arises, whether in action of contract, negligence, or other tortious action, or arising from the services or any provision of this agreement. The Site Provider, its affiliates, their respective officers, directors, shareholders, employees, sub-contractors and agents' aggregate liability for direct damages arising with respect to this agreement will not exceed the lesser of the total amount of money paid to the Site Provider by you through the Site in the six month period prior to the date the claim arose and NGN1000.

You acknowledge and agree that the Site Provider disclaims any liability with respect to any claim, suit or action brought by a Member in connection with provision of any services by you (including, without limitation, representations by you as to your qualifications and advice) through the Site.

The Site Provider will not be liable for enforcing any agreement that were made between you and any Member, including any Expert Fee Agreement, and you will be solely responsible for any such agreement. You further acknowledge and agree that you will solely be responsible and liable for any damages to any Member to whom you provide services and where that Member suffers damages arising from or connecting to such services.

In the event of a dispute regarding any transaction conducted through the Site, you hereby release the Site Provider and its affiliates, and their respective officers, directors, shareholders, employees, sub-contractors and agents from all manner of actions, claims or demands and from any and all losses (direct, indirect, incidental or consequential), damages, costs or expenses, including, without limitation, court costs and attorney's fees, which you may have against one or more of the above.

Additional Expert Representations and Warranties

By submitting the Expert registration form, you represent, warrant and agree to the following:

  1. At all times, you will provide correct and accurate representation of skills, degrees, qualifications, background and other information as prompted by any form on the Site and will maintain and update all such information at all times while you are an Expert to keep it true, accurate, current and complete. You will maintain such skills, qualifications and other information, including maintaining your status in good standing as a licensed professional in any jurisdiction, as may be required by that jurisdiction, where you practice and/or your profession. You shall not perform services or offer advice in any jurisdiction where you are not license, or authorized to do so.
  2. You will not provide any legal or medical advice or other information, which may only be lawfully rendered or provided by a licensed professional who has established a physician-patient relationship, attorney-client, or other relationship. You will not provide any medical or legal information unless you are a licensed professional in good standing in the relevant field of expertise and you abide by all relevant laws, rules and regulations, including, without limitation rules of ethics and professional responsibility.

Additional requirements for medical advisors are as listed below:

  1. You will not offer or provide advice, directly or through writings, as to the value of securities or as to the advisability of investing in, purchasing or selling securities or any report or analysis concerning securities. You will not offer advice or provide any product or services related-to or claiming success with lottery numbers.
  2. You will not misrepresent yourself or create a misleading name or listing. The foregoing requirements are ongoing obligations for you to maintain and update on a regular basis. If you are a physician, mental health professional or other medical advisor, the advice or information you provide to Members is for informational purposes only and cannot serve as a substitute for a face-to-face examination of the Member by a medical professional.
  3. You will provide information and advice only about non-emergency matters. For emergency matters, you will instruct the Member to immediately call for a local emergency assistance. In addition, you will not engage in the practice of medicine or enter into a physician/patient relationship with any Member through the Site.

In addition, you also agree that you:

  1. Will not diagnose, treat, test, recommend a course of treatment, or otherwise provide or perform services that require an in-person physical examination of a Member
  2. Will not prescribe or dispense medicines
  3. Will recommend that Members seek the advice of a physician who can perform an in-person physical examination; and
  4. Will advise Members that your advice is not a substitute for the advice of a physician after physical examination and that your advice is for informational purposes only

Expert's Conduct, Description of Service, and Content/Information Policy

You acknowledge and agree that you are solely responsible for your own Content/Details/Information posted/uploaded on, transmitted through, or linked from the Service and the consequences of posting, uploading, transmitting, linking or publishing it. More specifically, you are solely responsible for all Content/Details/Information that you upload, email or otherwise make available via the Service. In connection with such Content/Details/Information posted on, uploaded, transmitted through, or linked from the Service by you, you affirm, acknowledge, represent, warrant and covenant that: (i) you own or have and shall continue to, for such time the Content/Details/Information is available on the Website/Mobile App, have the necessary licenses, rights, consents, and permissions to use such Content/Details/Information on the Service and Website/Mobile App (including without limitation all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all such Content/Details/Information) and authorize The HORD Limited to use such Content/Details/Information to enable inclusion and use of the Content/Details/Information in the manner contemplated by the Service, the Website/Mobile App and these Terms; and (ii) you have the written consent, release, and/or permission of each and every identifiable individual person or business in the Content/Details/Information to use the name or likeness of each and every such identifiable individual person or business to enable inclusion and use of the Content/Details/Information in the manner contemplated by the Service, the Website/Mobile App and these Terms. For clarity, you retain all of your ownership rights in your Content/Details/Information; however, by submitting any Content/Details/Information on the Website/Mobile App, you hereby grant to The HORD Limited. an irrevocable, non-cancellable, perpetual, worldwide, non-exclusive, royalty-free, sub-licensable, transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the Content/Details/Information in connection with the Website/Mobile App and The HORD Limited (and its successors') business, including without limitation for the purpose of promoting and redistributing part or all of the Website/Mobile App and Content/Details/Information therein (and derivative works thereof) in any media formats and through any media channels now or hereafter known. These rights are required by The HORD Limited in order to host and display your Content/Details/Information. Furthermore, by you posting/uploading Content/Details/Information to any public area of the Service, you agree to and do hereby grant to The HORD Limited all rights necessary to prohibit or allow any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content/Details/Information on the Service or Website/Mobile App by any party for any purpose. You also hereby grant each user of the Website/Mobile App a non-exclusive license to access your Content/Details/Information through the Website (this license excludes scrapping cases and any other possible use with commercial purposes). The foregoing license to each user granted by you terminates once you or The HORD Limited remove or delete such Content/Details/Information from the Website/Mobile App.

The HORD Limited does not endorse any Content/Details/Information or any opinion, statement, recommendation, or advice expressed therein, and The HORD Inc. expressly disclaims any and all liability in connection with user Content/Details/Information. The HORD Limited does not permit copyright infringing activities and infringement of intellectual property rights on the Website/Mobile App, and The HORD Limited may, at its sole discretion, remove any infringing Content/Details/Information. The HORD Limited reserves the right to remove any Content/Details/Information without prior notice. The HORD Limited may also terminate a user's access to the Website/Mobile App, if they are found to be indulging in any act contrary to these Terms. A repeat infringer is a user who has been notified of infringing activity more than twice and/or has had a user submission removed from the Website/Mobile App more than twice. Further, at its sole discretion, The HORD Limited reserves the right to decide whether any Content/Details/Information is appropriate and complies with these terms.

You will be solely and fully liable for all conduct, services, advice, postings and communications made under your username and password. You represent, warrant and declare that while you are using the Site as an Expert, you will act according to the following rules:

  1. You will be solely responsible for the services provided to Members and to the verification of Members' identity and other information delivered to you by Members.
  2. You will not attempt to provide any service that you are not qualified to provide, even if requested to do so by a Member.
  3. You will not answer questions from the Public Board in fields that are not within your fields of expertise and will not mislead Members to believe that you can provide a service outside your field(s) of expertise.
  4. All interactions between Experts and Customers will be billed through the Site regardless if the interaction is online or offline.
  5. You agree to abide by the pricing terms set while utilizing the Site.
  6. All contact between Experts, clients and any other users who are introduced through the Site platform must be conducted only through the Site platform.
  7. Exchange of personal contact information is strictly prohibited. Any exchange of contact information or communication outside of the Site platform, whether via personal email, phone, in person or any other means, is strictly prohibited and is a violation of this Agreement. In the event the Site Provider suspects or determines any such unauthorized contact, the Site Provider reserves the right to withhold payments, levy fines, and/or suspend or terminate service in its sole and absolute discretion.
  8. You will not take any actions, which may undermine, disrupt or manipulate the integrity of the Member feedback (rating) system on the Site.
  9. P.S: The Site Provider may change the above-mentioned minimum session fee at any time and without warning, and even remove old ratings given for paid sessions with a fee lower than any newly set minimum fee.

  10. The Site Provider also reserves the right to exclude without explanation any rating that we think may compromise the integrity of the Member feedback system.
  11. You will not use any device, software or routine to interfere with or disrupt the Site or servers or networks connected to the Site or disrupt any other person's use of the Site.
  12. You will not attempt to gain unauthorized access to other computer systems or networks connected to the Site, whether by hacking, password "mining" or any other method of gaining access.
  13. You will not transmit "junk mail", or any unsolicited mass distribution of e-mail or bulletin board postings.
  14. You will not transmit through the Service any unlawful, harassing, libelous, privacy invading, abusive, threatening, defamatory, vulgar, obscene, racist, harmful or otherwise objectionable material of any kind.
  15. You will not disobey or breach this Agreement or any other applicable instructions conveyed by the Site Provider or its officers.
  16. You will not violate, or aid or abet the violation of any applicable local, state, national or international law, statute, ordinance, rule, regulation or ethical code.
  17. You will not upload, post, e-mail, transmit or otherwise make available:
    1. any information or material that infringes a third party right, especially copyright or other intellectual property rights
    2. any third party advertisements, including banner exchange services
    3. software viruses, Trojan horses, worms or any other malicious application or
    4. any information or material that may constitute or encourage conduct that is a criminal offense or civil wrong or otherwise violates any applicable law
  18. You agree to comply with all applicable laws regarding use of this Site. You may not use this Site to solicit the performance of any illegal activity or other activity which infringes the rights of the Site Provider or others;You will not impersonate any person or entity, or make any false statement regarding your employment, agency or affiliation with any person or entity.
  19. You will not stalk, threaten or harass Members or other Experts or invade or attempt to invade their privacy.
  20. You will not engage in conduct that is harmful, unethical, fraudulent, deceptive or offensive.
  21. You will not disclose any information provided to you by a Member and will use your best efforts to guard Member's privacy.
  22. You agree to comply with all applicable laws regarding use of this Site. You may not use this Site to solicit the performance of any illegal activity (such as Fund) or other activity, which infringes the rights of the Site Provider or others.
  23. You may not operate robots or spiders to scan the Site's database.
  24. You may use "deep linking" only to your personal Web portal page within the Site but not to any other part thereof; and
  25. You may not view the Site with a graphic user interface different from the one provided by the Site Provider.


Site Provider will use reasonable efforts to process each Member's bank card (or chosen payment method) for the minimum withdrawal amount agreed upon based on Expert Connection plan.

The Expert will initiate via their portal a withdrawal request, which will be processed within seven (7) working days from the execution date of each transaction.

The Site's commission structure (the "Commission") and Expert connection fees ("Expert Connection Fees") will be as follows:

Commission and Connection Plan Fees are calculated as defined below, and subject to the expert referral, system based on the selected Connection plan the expert was place upon:

  • Diamond plan: Free
  • Platinum Plan: NGN 10,000.00 one-time setup fee
  • Gold Plan: NGN 5,000.00 one-time setup fee
  • Silver Plan: Free

The Connection Fee is paid upfront during expert registration. However, the site provider can waiver this connection fee at their discretion.

Live Chat Sessions Commission

All clusters/plans of 20% flat on live chats per individual session except for those on the Diamond Plan that are free chats.

Commissions will not apply to any advice or information given free (in accordance with these Terms and Conditions).

A "Live Chat Session" includes a session between an Expert and a Customer via voice, chat, video or any other medium other than via e-mail. The Commission for Live Sessions remains at the rate identified above regardless of the session amount.

The Commission is been deducted from the total Expert Fee generated for the Live Chat Session.

The Site Provider reserves the right to modify the Fees at any time without prior notice. However, the Site Provider will use reasonable efforts to notify the Experts in advance of any such change via e-mail and/or messages in the Expert's "Mailbox" found under the "Expert Portal" menu, and/or posting modifications to the Site.

Additionally, administrative fees may apply for certain additional administrative functions provided by the Site, which may include, but is not limited to, cancelling checks, resending checks to a new address, or initiating wire transfers.

For Experts who simultaneously participate as Members, the Site Provider shall be entitled to transfer or set-off payments from your pending earnings against your outstanding balance as a Member.

The Site's billing system is not error-free, and the Site Provider shall not be liable for any problems, miscalculations or malfunctions in processing Expert Fees or other payments due to you. If you think that, a mistake has occurred you must send your complaint to the Site's Customer Service department within 30 days of discovery of such mistake.

User Name and Password

When you create and open an account with the Site, you will be asked to provide a username and password. You are entirely responsible for maintaining the confidentiality of your password and username and any other security information related to your account.

You will be fully responsible for all activities that occur under your account, username or password.

You may not use the account, username or password of any other Expert or Member at any time.

You will immediately notify the Site Provider of any unauthorized use of your password, username, e-mail or any other breach of security. The Site Provider encourages Experts to change their password frequently. The Site Provider will not be liable for any loss that you incur because of any breach of your account, either with or without your knowledge. You may be held liable for any losses incurred by the Site Provider due to someone else's use of your account or password.

Expert Information

In order to use the Site, both Members and Experts must first complete the registration form. During registration, Expert is requested to provide contact information, such as name and e-mail address, also encouraged to provide additional personalized information (such as experience and qualifications) and unique professional qualification identifiers, so the Site Provider may easily verify your experience to activate you on the Site.

In such case, you may decide whether you wish to provide such information or not. Any information or content that you post or transmit through the Site will not be considered as your confidential information.

You grant the Site Provider an unlimited, irrevocable, royalty-free license to use, reproduce, display, edit, copy, transmit, process, control, publicly perform and create derivative works, communicate to the public or any third party any such information and content on a world-wide basis. In addition, the Site Provider may disclose your information in accordance with the "Use of Data" section below.

Expert and Member Communication

The Site provides a platform for registered Experts to provide Members with advice that they seek. By utilizing the Site, Experts and Members can negotiate and enter into a contract for advice.

The Site Provider does not screen or edit the content of communications between Experts and Members, but the Site Provider may screen, copy, transmit and review all communications conducted by or through the Site for technical support and/or in order to uphold the terms of this Agreement. Such communications are, as between Expert and Member, confidential, personal and private unless both the Member and the Expert agree to other distribution, for example, by posting questions or services on the Public Board (described below).

The Site has a Public Board available to its Experts and Members. The Public Board allows Members to post questions or request services that can be viewed by all Experts. Requests may be posted anonymously.

A Member can designate the length of time they wish to have their question remain "in view" on the public board. All such postings are public until a Member enters into a personal negotiation with an Expert. All subsequent communications between the Member and Expert, including both the negotiation phase and the actual relaying of service, are not available to other Site Members and are confidential between the Expert and Member. Certain live chat transcripts between Members and Experts are stored on the Site servers are available for review by Experts and Members for a certain amount of time, if the transcripts are of a paid session.

The Site denotes to its users which communications are visible to the public and those that are visible to specific, individual users only.

Use of Data

The Site Provider may disclose your information, including but not limited to personal information, transcripts, surveys, and recordings, if the Site Provider reasonably believes that disclosure:

  1. is necessary in order to comply with a legal process (such as a court order, subpoena, search warrant, etc.) or other legal requirement of any governmental authority,
  2. would potentially mitigate the Site Provider's liability in an actual or potential lawsuit
  3. is necessary or appropriate to protect the Site Provider's rights or property, or the rights or property of any person or entity
  4. is necessary or appropriate to enforce this Agreement or,
  5. is required or necessary to deter illegal behavior (including, but not limited to, fraud)

The Site and the Site Provider may use the details of transactions executed through the Site for promotional and informational purposes and publish their details on the Site, if such publication will not identify the Expert or Member in any means other than their Screen Name.

The Site Provider may in its discretion, create co-branded Websites with its partners. In such case, the Expert listings may appear in the co-branded site, but the Site Provider will not transfer any personally identifiable information about the Expert to the other Website without receiving the Expert's prior consent. The co-branded sites are maintained on servers maintained and controlled by the Site Provider.

The Site Provider may record the website from which a visitor has linked to the Site. If a visitor registers to become a Member and/or an Expert, the Site Provider may track the partner's name, in order to further the relationships the Site Provider has with its partners.

International Users

The Site Provider makes no claim that the content of the Site is appropriate or may be downloaded outside Nigeria at this stage. If you access the Site from a location outside the Nigeria, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction regarding online conduct and acceptable content.


The Site may contain links to Websites operated by third parties. The Site Provider has no control over such sites and the information provided in them. You acknowledge and agree that the Site Provider is not responsible for the availability of such third party Websites and will not be responsible or liable for any content, advertising, products, privacy policy or other materials contained therein. You warrant and agree that the Site Provider will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, products or services available on or through any third party Websites. The Site Provider encourages all Expert's to be aware when leaving the Site and to read the privacy statements of all Website that collects personally identifiable information.


The Site Provider may include in the Site advertisements on its own behalf or paid advertisements on behalf of interested companies and/or individuals. By clicking on the advertisements, the Expert may be shifted to a Website of the advertiser or receive other messages, information or offers from the advertiser. You acknowledge and agree that the Site Provider is not liable for the privacy practices of advertisers or the content of their Websites, information, messages or offers. You are wholly liable for all communications with advertisers and for all transactions subsequently executed.

Termination of Account by Expert

You may terminate your Agreement with the Site and the Site Provider at any time by sending a signed notice to the Site Provider via mail/e-mail. The Site Provider shall use reasonable efforts to invalidate your username and password within thirty (30) days of receiving such notice.

You may inactivate your own account for any desired period from within your account. Notwithstanding termination, all obligations of Expert under this Agreement relating to any activity prior to the termination date shall remain in full force and effect.

Intellectual Property and Limited License

The Site contains copyrighted material, trade secrets and proprietary information owned by the Site Provider, in particular the copyright, trademarks, database and patents, in the Site and in any software, application, graphics, text and other materials used therein, and the organization of the materials contained therein.

The Site Provider grants you a nonexclusive, revocable right to use the Site if you do not copy, modify, create a derivative work of, reverse engineer, disassemble or otherwise attempt to discover any source code, or breach this Agreement.

This Agreement does not grant you any rights to patents, copyrights, trade secrets, trade names, trademarks (whether registered or unregistered), domain names or any other rights, functions or licenses in respect of the Site. You may not create derivative software based upon any trade secret, intellectual property or proprietary information of the Site or the Site Provider. Furthermore, you may not sub-license, assign or transfer, sell or make any other commercial use of your membership in the Site.

You may not adapt or use any trademark or trade name, domain name similar to or likely to be confused with that of the Site Provider or the Site, or take any other action which infringes or impairs the Site Provider's trademark rights.

Copyright Policy

The Site Provider respects the intellectual property of others, and we ask our users to do the same. The Site Provider may, in appropriate circumstances and at its discretion, terminate the account or access of users who infringe the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide the Site's Copyright Agent the following information:

  1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest,
  2. a description of the copyrighted work that you claim has been infringed, including the URL (Web page address) of the location where the copyrighted work exists or a copy of the copyrighted work
  3. a description of where the material that you claim is infringing is located on the site, including the URL
  4. Your address, telephone number, and email address;
  5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; andd
  6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf

The Site's Copyright Agent for Notice of claims of copyright infringement can be reach as follows:

		    By mail: 
		   		Copyright Agent,
		    		Legal Department
		    		The HORD Limited
		   	        C/O Brooks Solicitors,
		    		Attn: Legal Unit - Privacy,
		    		236A Muri Okunola Street, Victoria Island
		    		Lagos, Nigeria.
		     By e-mail: 


You agree to indemnify, defend and hold harmless the Site Provider, its affiliates, and their respective officers, directors, shareholders, employees, sub-contractors and agents against any and all losses, damages, suits, judgments, costs and expenses (including litigation costs and reasonable attorneys' fees) arising out of or in connection with any claim, suit, action, or other proceeding brought against the Site Provider or such party, to the extent that such claim, suit, action or other proceeding is based on or arises from:

  1. Any breach of any representation, warranty, covenant or agreement to be performed by you according to this Agreement,
  2. your provision of services to any third party, regardless of whether or not they are Members of the Site; or
  3. any materials that you post to the Site and/or any content on your Website or otherwise provided to Members. You represent and warrant that you maintain and will continue to maintain adequate insurance if such insurance is required by any applicable laws or regulations which apply to your provision of services, including, without limitation, professional liability insurance applicable to the legal and medical professions


Any notice or other communication to be given hereunder will be in writing and, unless otherwise provided, given by facsimile, postpaid registered or certified mail/return receipt requested, or electronic mail. The date of receipt shall be deemed the date on which such notice is given.

No Assignment

You shall not assign this Agreement or assign, pledge, mortgage any rights, or delegate any obligations hereunder, in completely or in part, whether voluntarily or by operation of law, without the prior, written consent of the Site Provider. Any purported transfer, assignment or delegation by you without the appropriate prior written approval will be invalid and of no force or effect.

Modifications to this Agreement

The Site Provider may change this Agreement by posting modifications on the Site. Unless otherwise specified by the Site Provider, all modifications shall be effective upon posting. Therefore, you are encouraged to check the terms of this Agreement frequently. By using the Site after the changes become effective, you agree to be bound by such changes to the Agreement. If you do not agree to the changes, you may terminate this Agreement as set forth above.


Nothing in this Agreement shall be construed as making either party the partner, joint venture, agent, legal representative, employer, or employee of the other. Neither party shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action, that shall be binding on the other, except as provided for herein or authorized in writing by the party to be bound.

This Agreement shall be interpreted only in accordance with the laws of the Federal Republic of Nigeria (excluding any rules governing choice of laws) and any legal proceeding arising out this Agreement will occur exclusively in courts of Nigeria. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to this Agreement or the Site must be filed within one (1) year after such claim or cause of action arose or be forever barred.

This Agreement will be binding on and will inure to the benefit of the legal representatives, successors and assigns of the parties hereto. This Agreement (and the policies referenced herein and incorporated by reference) constitutes the entire agreement between the Site Provider and you with respect to the subject matter hereof, and you agree that you have not relied upon any promises or representations by the Site Provider with respect to the subject matter except as set forth herein. You are prohibited from providing services to Members who live in a country, which is prohibited by law, regulation, treaty or administrative act from entering into trade relations with Nigeria.

In the event of any conflict between this Agreement and the Member Agreement, this Agreement shall take precedence. No waiver, concession, extension, representation or any alteration or addition to this Agreement or pursuant hereto will be effective unless made expressly and in writing.

The paragraph headings herein are solely for the sake of convenience and will not be applied in the interpretation hereof. If any provision of this Agreement is held by a court of competent jurisdiction to be illegal, invalid, unenforceable or otherwise contrary to law, the remaining provisions of this Agreement will remain in full force and effect.


You may report any violation of this Agreement to the Ask an Expert Escalation unit via askus@askanexpert.expert

Last Updated: 1st October 2017