Terms of Use

TERMS OF SERVICE

Last Updated: November 11, 2025

Welcome to JILOW Horizon Ventures Limited. By accessing or using our website
and services, you agree to be bound by these Terms of Service. Please read
them carefully.

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1. ACCEPTANCE OF TERMS

By accessing, browsing, or using the JILOW Horizon Ventures Limited website
(www.jilowhorizon.com and all associated subdomains) or engaging our services,
you acknowledge that you have read, understood, and agree to be bound by these
Terms of Service and all applicable laws and regulations.

If you do not agree with these terms, please do not use our website or services.

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2. ABOUT JILOW HORIZON VENTURES LIMITED

JILOW Horizon Ventures Limited is a diversified holding company operating
across eight strategic business sectors: Technology (JILOW Tech), Agriculture
and Agribusiness (JILOW Agro), Fashion (JILOW Fashion), Printing (JILOW
Print), and Education/Migration (JILOW Pathways).

Company Registration: [Your RC Number – insert when available]
Registered Office: Lagos, Nigeria
Contact: info@jilowhorizon.com

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3. USE OF WEBSITE

3.1 Permitted Use
You may use our website for lawful purposes only. You agree not to use the
website:

• In any way that violates any applicable law or regulation
• To transmit any unlawful, harmful, threatening, abusive, harassing,
  defamatory, vulgar, obscene, or otherwise objectionable material
• To impersonate any person or entity or misrepresent your affiliation with
  any person or entity
• To interfere with or disrupt the website or servers or networks connected
  to the website
• To attempt to gain unauthorized access to any portion of the website or
  any other systems or networks

3.2 Intellectual Property
All content on this website, including text, graphics, logos, images, audio
clips, digital downloads, and software, is the property of JILOW Horizon
Ventures Limited or its content suppliers and is protected by Nigerian and
international copyright laws. Unauthorized use, reproduction, or distribution
of this content is prohibited.

3.3 User Accounts
Some areas of our website may require you to create an account. You are
responsible for maintaining the confidentiality of your account credentials
and for all activities that occur under your account. You agree to notify us
immediately of any unauthorized use of your account.

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4. SERVICES

4.1 Service Descriptions
We provide various services across our eight business ventures. Service
descriptions on our website are for general information purposes only.
Specific terms for individual services will be detailed in separate service
agreements or contracts.

4.2 Service Availability
While we strive to ensure our website and services are available at all times,
we do not guarantee uninterrupted access. We reserve the right to suspend,
withdraw, or restrict access to all or part of our website for business and
operational reasons.

4.3 Service Modifications
We reserve the right to modify, suspend, or discontinue any aspect of our
services at any time without prior notice. We shall not be liable to you or
any third party for any modification, suspension, or discontinuation of
services.

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5. PRICING AND PAYMENT

5.1 Pricing
Prices for our services are quoted in Nigerian Naira (NGN) or other currencies
as specified and are subject to change without notice. All prices exclude
applicable taxes unless otherwise stated.

5.2 Payment Terms
Payment terms will be specified in individual service agreements or contracts.
Unless otherwise agreed in writing, payment is due within 30 days of invoice
date.

5.3 Refunds
Refund policies vary by service and will be detailed in individual service
agreements. Please contact the relevant JILOW venture for specific refund
information.

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6. USER CONTENT

6.1 Submission of Content
If you submit, upload, or post any content to our website (including but not
limited to comments, feedback, suggestions, or testimonials), you grant JILOW
Horizon Ventures Limited a non-exclusive, worldwide, royalty-free, perpetual,
irrevocable license to use, reproduce, modify, adapt, publish, translate,
distribute, and display such content in any media.

6.2 Content Responsibility
You are solely responsible for any content you submit. You warrant that:

• You own or have the necessary rights to submit the content
• The content does not violate any third-party rights
• The content is accurate and not misleading
• The content does not contain any unlawful, harmful, or objectionable material

6.3 Content Removal
We reserve the right to remove any user-submitted content that we deem
inappropriate, offensive, or in violation of these Terms of Service.

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7. THIRD-PARTY LINKS

Our website may contain links to third-party websites or services that are not
owned or controlled by JILOW Horizon Ventures Limited. We have no control over
and assume no responsibility for the content, privacy policies, or practices of
any third-party websites or services. You acknowledge and agree that JILOW
Horizon Ventures Limited shall not be liable for any damage or loss caused by
your use of any third-party websites or services.

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8. DISCLAIMERS

8.1 “As Is” Basis
Our website and services are provided on an “as is” and “as available” basis
without warranties of any kind, either express or implied, including but not
limited to warranties of merchantability, fitness for a particular purpose,
or non-infringement.

8.2 Information Accuracy
While we strive to provide accurate and up-to-date information on our website,
we make no representations or warranties regarding the accuracy, completeness,
or reliability of any information, content, or materials on the website.

8.3 Professional Advice
Information provided on our website is for general informational purposes only
and does not constitute professional advice. You should consult with
appropriate professionals before making any decisions based on information
from our website.

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9. LIMITATION OF LIABILITY

To the fullest extent permitted by Nigerian law, JILOW Horizon Ventures Limited,
its directors, employees, partners, agents, and affiliates shall not be liable
for any indirect, incidental, special, consequential, or punitive damages,
including without limitation, loss of profits, data, use, goodwill, or other
intangible losses, resulting from:

• Your access to or use of or inability to access or use our website or services
• Any conduct or content of any third party on the website
• Any content obtained from the website
• Unauthorized access, use, or alteration of your transmissions or content

Our total liability to you for any claims arising from your use of our website
or services shall not exceed the amount you paid to us for services in the
twelve months preceding the claim, or NGN 100,000, whichever is less.

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10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless JILOW Horizon Ventures
Limited, its officers, directors, employees, agents, and affiliates from and
against any claims, liabilities, damages, losses, and expenses, including
reasonable attorney’s fees, arising out of or in any way connected with:

• Your access to or use of our website or services
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Any content you submit or post

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11. CONFIDENTIALITY

Any confidential information shared between you and JILOW Horizon Ventures
Limited in the course of business shall be kept confidential and not disclosed
to third parties except as required by law or with prior written consent. This
obligation continues beyond the termination of any business relationship.

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12. GOVERNING LAW AND JURISDICTION

These Terms of Service shall be governed by and construed in accordance with
the laws of the Federal Republic of Nigeria. Any disputes arising from these
terms or your use of our website or services shall be subject to the exclusive
jurisdiction of the courts of Lagos State, Nigeria.

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13. DISPUTE RESOLUTION

In the event of any dispute, controversy, or claim arising out of or relating
to these Terms of Service, the parties agree to first attempt to resolve the
matter through good faith negotiations. If the dispute cannot be resolved
through negotiation within 30 days, the parties may pursue other legal remedies
available under Nigerian law.

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14. TERMINATION

We reserve the right to terminate or suspend your access to our website and
services immediately, without prior notice or liability, for any reason,
including but not limited to breach of these Terms of Service. Upon termination,
your right to use the website and services will immediately cease.

All provisions of these Terms of Service which by their nature should survive
termination shall survive, including but not limited to ownership provisions,
warranty disclaimers, indemnity, and limitations of liability.

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15. CHANGES TO TERMS

We reserve the right to modify or replace these Terms of Service at any time.
Material changes will be notified on our website at least 30 days before the
new terms take effect. Your continued use of the website after such modifications
constitutes your acceptance of the updated terms.

It is your responsibility to review these Terms of Service periodically for
changes. The “Last Updated” date at the top of this page indicates when these
terms were last revised.

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16. SEVERABILITY

If any provision of these Terms of Service is found to be unenforceable or
invalid under Nigerian law, that provision shall be limited or eliminated to
the minimum extent necessary so that these Terms of Service shall otherwise
remain in full force and effect.

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17. ENTIRE AGREEMENT

These Terms of Service, together with our Privacy Policy and any specific
service agreements, constitute the entire agreement between you and JILOW
Horizon Ventures Limited regarding the use of our website and services,
superseding any prior agreements between you and JILOW Horizon Ventures Limited.

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18. CONTACT INFORMATION

If you have any questions about these Terms of Service, please contact us:

JILOW Horizon Ventures Limited
Email: legal@jilowhorizon.com
Alternative: info@jilowhorizon.com
Phone: +2348059190802
Address: Abuja, Nigeria

For service-specific inquiries, please contact the relevant JILOW venture:

• JILOW Tech: tech@jilowhorizon.com
• JILOW Agro: agro@jilowhorizon.com
• JILOW Fashion: fashion@jilowhorizon.com
• JILOW Print: print@jilowhorizon.com
• JILOW Pathways: pathways@jilowhorizon.com

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By using our website and services, you acknowledge that you have read and
understood these Terms of Service and agree to be bound by them.

© 2025 JILOW Horizon Ventures Limited. All Rights Reserved.