Terms of service

1. GENERAL TERMS

Northquest Finance Company Limited (“Northquest,” “we,” “us” or “our”) maintains this website (the  “Website”) to provide you (“you”, “yours”) with information about products and services which we  provide, get instant loan offers, begin your loan application, get free valuation for your vehicle and get  information about us. Please read these Terms and Conditions carefully before accessing or using this  Website. We reserve the right to change, modify, add, or remove portions of these Terms and  Conditions at any time. Please check these terms periodically for changes. If you have any questions  about these Terms and Conditions, please contact us via email at info@Northquest.com

2. ACCEPTANCE OF TERMS

By accessing or using the Website, you agree to these Terms and Conditions. You agree that these  Terms and Conditions constitute a legally binding agreement between you (whether personally or on  behalf of any entity which you represent) and Northquest concerning your access to and use of our  website and all the services linked, related, or otherwise connected to your use of the Website. You  agree with the contents of this Privacy Policy when you give consent upon access to our website,  digital and non-digital platforms, or use our services, content, features, technologies or functions  offered on our website or digital platforms or visit any of our offices for official or non- official  purposes. Note that you can withdraw your consent at any time, however such withdrawal of consent  would not affect the lawfulness of processing information based on consent given before its  withdrawal.

3. NO WARRANTY

We created this website for the convenience of our internet visitors and digital users. The information  (including text, graphics and functionality) is presented “as is” and “as available” without express or  implied warranties including, but not limited to, implied warranties of noninfringement,  merchantability and fitness for a particular purpose. We cannot guarantee the accuracy or  completeness of the information contained on this Website or its suitability for any purpose.

4. VIRUSES

Due to the pervasive nature of computer viruses within the Internet, we cannot give any assurances  that the website, our software or systems will be free always from viruses and other malicious software.  It is your responsibility to scan all downloaded materials received from the Internet, including from the  website. We shall not be liable, and you agree not to hold Northquest responsible, for any damages or  losses caused by any viruses or other malicious software which may affect your computer equipment  or other property on account of your access to, use of, or downloading from the Website, software or  systems.

5. LIMITATION OF LIABILITY

Due to the pervasive nature of computer viruses within the Internet, we cannot give any assurances  that the Website, our software or systems will be free always from viruses

6. INDEMNITY

You agree to indemnify and hold Northquest, its subsidiaries or affiliates, and their respective  directors, officers, employees, and agents, harmless against all liabilities, claims and expenses,  including reasonable attorneys’ fees, arising from your breach of these Terms and Conditions, any  other related policy, your use or access of the Website or any Internet site linked to or from the  website, or in connection with the transmission of any content on the Website.

7. AUTHORIZED USE

The information provided on this website is solely for the personal use of website users. You are authorised to view and copy the information available on this website for personal purposes only,  provided that any copies include any trademark notices as they may appear on those pages copied.  Except for the personal use of website users, you may not copy, reproduce, modify, display, distribute,  perform, disseminate, transmit, transfer, sell, license, publish, use to create a derivative work or use for  any public or commercial purposes any of the contents of this website without the express prior written  consent of Northquest Finance Company Limited. You agree to access and use the website only for  lawful purposes.

8. LINKS TO THIS WEBSITE

The website may contain links to other websites as well as articles, photographs, text, graphics,  pictures, designs, music, sound, video, information, applications, software, and other content or items  belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Websites and  Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or  completeness by us, and we are not responsible for any Third-Party Websites accessed through the  Site or any Third-Party Content posted on, available through, or installed from our website. We do not  propose any endorsement, authorisation, sponsorship of or affiliation with the material contained on  any linked site or any Third-Party material by providing them on the Website. Northquest Finance  Company Limited is not responsible for the contents of any site linked to the Website. Your connection  to and use of any such linked site is at your own risk.

9. COPYRIGHTS & TRADEMARKS

Copyrights of the pages and the screens displaying the pages, and the information and material  therein, is owned by Northquest Finance Company Limited unless otherwise indicated and may not be  distributed, modified, reproduced in whole or in part without the prior written permission of  Northquest Finance Company Limited. The display of trademarks herein does not imply that a license  of any kind has been granted. Any downloading, re-transmission, or other copying or modification of  the trademarks and/or the contents herein may be a violation of applicable laws and regulations and  could subject the copier to legal action. The trademarks and logos (collectively the “Trademarks”)  displayed on this site, unless otherwise indicated, are registered and unregistered trademarks of  Northquest Finance Company Limited and its subsidiaries and affiliates. Northquest Finance Company Limited and its trademarks may only be used publicly with the permission of Northquest Finance  Company Limited and with proper acknowledgement. Use of any Northquest Finance Company Limited trademarks without the prior written consent of Northquest Finance Company Limited may  constitute copyright infringement or passing-off in violation of applicable laws.

10. PROHIBITED ACTIVITY

You may not retrieve data from the Website to create a business that shall compete with us in any form  or manner or for any other commercial benefit, gain or revenue-generating purpose. You may not  retrieve data from our site to constitute databases, compilations, stocks, inventories or directories,  without express permission from us. You may not download, sell, re-publish or otherwise give out for  profit, any service, information or content made available on the Website. You may not defraud, or  mislead other users, in an attempt to learn sensitive account information or attempt to impersonate a  user or person through the use of their information, however it is gotten.

11. SECURITY

We welcome your email correspondence. But Internet and email communications are not confidential.  Information transmitted to us may be read or obtained by other parties. To protect your privacy, our  email responses do not include personal account information such as your BVN or bank account  numbers. Email is an important communication channel for our website’s visitors. We will use your  email address and the content of any email for correspondence purposes and to meet our legal and  regulatory requirements regarding customer communications. On occasion, we may use your email  address to send you communications with information about service and product information that we believe may be of interest to you. If you do not want to receive such unsolicited communications from  us, please send us a message to this effect.

12. USER REPRESENTATION

By using the website, you represent and warrant that: 

• all registration information you submit will be true, accurate, current, and complete. • you will maintain the accuracy of such information and promptly update such registration  information, as necessary. 
• you have the legal capacity, and you agree to comply with these Terms and Conditions. • you are not a minor in the jurisdiction in which you reside. 
• you will not access the website through automated or non-human means, whether through a  bot, script or otherwise. 
• you will not use the website for any illegal or unauthorised purpose. 
• your use of the website will not violate any applicable law or regulation. 

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right  to suspend or terminate your account and refuse all current or future use of the Website (or any  portion thereof).

13. DISPUTE RESOLUTION

By using the website, you represent and warrant that: Disputes, differences, or claims arising out of or  in connection with or concerning the use of Northquest Finance Company Limited’s services or the  website shall be settled amicably through our internal dispute resolution system. Such resolution shall  be commenced by either party sending a written notice of the dispute to the other party. The notice of  dispute shall state the cause of dispute and propose a date for negotiations to occur date no later than  seven (7) days from the date of the other party’s receipt of the dispute notice. Where we are unable to  reach an amicable resolution after exhausting Northquest Finance Company Limited’s internal dispute  regulation mechanism, the dispute will be resolved by binding arbitration in line with the Arbitration  and Conciliation Act, Cap A18 Laws of the Federation of Nigeria, 2004. Where we are unable to reach  an amicable resolution through arbitration or conciliation, the parties may seek redress the court of law  that has the power and authority to properly exercise jurisdiction over the dispute.

14. GOVERNING LAW

You agree that the use of this site shall be governed by and construed in accordance with the laws of  the Federal Republic of Nigeria.