Terms and conditions

Welcome to malootech!

These Terms and Conditions (“Terms”) govern your access to and use of the website located at malootech.com , including all content, features, and services provided by malootech (referred to as “we,” “us,” or “our”).

By accessing or using the Blog, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use the Blog.

1. Acceptance of Terms

By accessing and using our Blog, you affirm that you are at least 18 years old or the legal age of majority in your jurisdiction, and capable of forming a binding contract. If you are under 18 or the legal age of majority, you may only use the Blog with the involvement and consent of a parent or legal guardian.

2. Nature of Content – Important Disclaimers

Our Blog provides information, articles, opinions, and resources related to scholarships, jobs, health, and insurance. It is crucial to understand and acknowledge the following:

  • Informational Purposes Only: All content on this Blog is for general informational and educational purposes only. It is not intended as, and should not be considered, professional advice.
  • No Professional Advice:
    • Health: The health-related content is not a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of a qualified healthcare professional with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on this Blog.
    • Financial/Insurance: The financial, scholarship, and insurance-related content does not constitute financial, investment, legal, or insurance advice. You should consult with qualified professionals (e.g., financial advisors, insurance brokers, career counselors, legal professionals) before making any decisions based on information obtained from this Blog.
    • Jobs/Career: Job and career advice is general in nature and may not be applicable to your specific situation. We do not guarantee job placement or career success.
  • Accuracy and Completeness: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the Blog or the information, products, services, or related graphics contained on the Blog for any purpose. Any reliance you place on such information is therefore strictly at your own risk.
  • Changes in Information: Information on scholarships, jobs, health guidelines, and insurance policies can change rapidly. We are not responsible for outdated or inaccurate information. Users are strongly encouraged to verify any information directly with the original source (e.g., scholarship provider, employer, health professional, insurance company).

3. User Conduct

When using the Blog, you agree to:

  • Lawful Use: Use the Blog only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit anyone else’s use and enjoyment of, the Blog.
  • Respectful Interaction: Engage in respectful and constructive discourse in comments and any interactive features.
  • Prohibited Conduct: You agree not to:
    • Post or transmit any material that is defamatory, obscene, offensive, hateful, inflammatory, or discriminatory.
    • Engage in any form of harassment, intimidation, or bullying.
    • Post or transmit any unauthorized advertising, promotional materials, “junk mail,” “spam,” or any other form of solicitation.
    • Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
    • Upload or transmit any viruses, Trojan horses, worms, or any other malicious code that could harm the Blog or its users.
    • Attempt to gain unauthorized access to any part of the Blog, other users’ accounts, or computer systems connected to the Blog.
    • Collect or store personal data about other users without their express consent.

4. Intellectual Property Rights

  • Our Content: All content on the Blog, including text, graphics, logos, images, audio clips, digital downloads, data compilations, and software, is the property of malootech or its content suppliers and protected by Nigerian and international copyright, trademark, and other intellectual property laws.
  • Limited License: We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Blog for your personal, non-commercial use only, in accordance with these Terms.
  • Prohibitions: You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Blog without our prior written consent.
  • User-Generated Content: By posting or submitting any content (e.g., comments) to the Blog, you grant malootech a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any form, media, or technology, whether now known or hereafter developed, solely for the purpose of operating and promoting the Blog. You represent and warrant that you own or have the necessary rights to the content you post and that it does not infringe on the rights of any third party.

5. Links to Third-Party Websites

Our Blog may contain links to third-party websites or services that are not owned or controlled by malootech.

  • 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 malootech shall 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, goods, or services available on or through any such websites or services.
  • We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

6. Advertisements and Affiliate Disclosure (If Applicable)

  • This Blog may display advertisements from third-party advertising networks. We may also participate in affiliate marketing programs, which means we may earn a commission when you make a purchase through links on our Blog at no additional cost to you.
  • We do not control the content of these advertisements or the products/services offered by affiliate partners. Your interactions with these third parties are solely between you and them.

7. Termination

We may terminate or suspend your access to the Blog immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

8. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall malootech, nor its directors, employees, partners, agents, suppliers, or affiliates, 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 the Blog;
  • Any conduct or content of any third party on the Blog;
  • Any content obtained from the Blog;
  • Unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

9. Indemnification

You agree to defend, indemnify, and hold harmless malootech and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Blog, by you or any person using your account and password; b) a breach of these Terms; or c) content posted by you on the Blog.

10. Governing Law and Jurisdiction (Nigeria)

These Terms shall be governed and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.

Any dispute arising out of or in connection with these Terms, including any question regarding their existence, validity, or termination, shall be referred to and finally resolved by the competent courts in Nigeria.

11. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Changes to These Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Blog after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Blog.

13. Contact Us

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

  • By Email: legal@malootech.com