Please read these Terms of Use ("Terms") carefully before using the www.NBTcover.com (the "Website") operated NBTcover Ltd, a company registered in Nigeria ("we," "us," or "our"). By accessing and using this Website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you should not use the Website. 1. Acceptance of Terms By accessing or using the Website, you agree to comply with and be bound by these Terms. We may revise and update these Terms from time to time without prior notice. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms. 2. Use of the Website You agree to use the Website only for lawful purposes and in a way that does not infringe upon the rights of others or inhibit their use and enjoyment of the Website. 3. User Accounts To access certain features of the Website, you may be required to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. 4. Privacy Your use of the Website is also governed by our Privacy Policy, which can be found here. By using the Website, you consent to the collection and use of your personal information in accordance with our Privacy Policy. 5. Intellectual Property All content, including text, graphics, logos, images, audio, and software on the Website is the property of NBT Cover Ltd and is protected by Nigerian and international copyright laws. 6. Disclaimer The information on this Website is provided for general information purposes only. We make no representations or warranties of any kind, whether expressed or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Website or the information, products, services, or related graphics contained on the Website for any purpose. 7. Limitation of Liability In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this Website. 8. Governing Law These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. You agree to submit to the exclusive jurisdiction of the Nigerian courts.