@extends('layouts.main')
@section('title', 'Terms and Conditions')
@section('description', "Terms and Conditions: these are the policies, rules and regulations laid out in this
document.")
@section('main')

<section class="our-terms">
    <div class="container">
        <div class="row">
            <div class="col-lg-12">
                <div class="main-title">
                    <h2>@yield('title')</h2>
                    <p class="text">@yield('description')</p>
                    <p class="text"><strong>DEFINITIONS OF TERMS</strong></p>
                    <p class="text"><strong>Terms and Conditions: </strong><span>these are the
                            policies,
                            rules and regulations laid out in this document.</span></p>
                    <p class="text"><strong>FixGini:</strong><span>The brand name of the
                            site</span></p>
                    <p class="text"><strong>You: </strong><span>A visitor to this site</span>
                    </p>
                    <p class="text"><strong>Service Provider: </strong><span>One who is
                            registered on
                            FixGini as a provider.</span></p>
                    <p class="text"><strong>User: </strong><span>one who has requested for the
                            service of a
                            service provider.</span></p>
                    <p class="text"><strong>Service Charge</strong><strong>:</strong><span>
                            this is the
                            amount agreed and charged by the service provider for the service to be provided.</span></p>
                    <p class="text"><strong>Cancellation Fees: </strong><span>this is the
                            penalty for the
                            cancellation of an established service by a user.</span></p>
                    <p class="text"><strong>Escrow wallet: </strong><span>A virtual account
                            for holding an
                            amount paid by the user pending onward rendition to the provider.</span></p>
                    <p class="text"><strong>Transaction fee: </strong><span>This represents
                            the bank
                            charges associated with the transaction.</span></p>
                    <p class="text">&nbsp;</p>
                </div>
            </div>
        </div>
        <div class="row">

            <div class="col-md-12 col-lg-12 col-xl-12">
                <div class="terms_condition_grid text-start">
                    <div class="tab-content" id="nav-tabContent">
                        <div class="tab-pane fade show active" id="nav-accountpayment" role="tabpanel"
                            aria-labelledby="nav-accountpayment-tab">
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">ACCEPTANCE OF TERMS</h4>
                                <p class="mb25 text fz15">The FixGini website available at <a
                                        href="https://fixgini.com"> www.FixGini.com </a>, the FixGini mobile
                                    application, all related sites and mobile applications, and the various content,
                                    features, and services offered on and in connection with these sites and
                                    applications, (collectively, the “Services”) are owned and operated by FixGini and
                                    can only be accessed and used by you under the Terms and Conditions described below
                                    (“Terms and Conditions”). These terms and conditions shall be reviewed and updated
                                    from time to time.
                                    You are expected to read these terms and conditions carefully before using the
                                    website and mobile application.</p>
                                <p class="text fz15">By accessing, downloading, or using any of the Services, you agree
                                    to become bound by these terms and conditions. If you do not agree to all the terms
                                    and conditions, then you may not access and use the services. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">REGISTRATION DETAILS</h4>
                                <p class="mb25 text fz15">You are required to create an account to use or access certain
                                    parts of the Services and use certain products and features. As a result, you may be
                                    required to provide login information such as a username and password to access and
                                    utilize your account. As a condition of your use of the Service, you agree to
                                    provide FixGini with correct and complete information as required by the FixGini’s
                                    registration forms, when registering for or using the Services and regularly update
                                    such correct information. However, it becomes your responsibility to ensure that
                                    confidentiality of any password or other details is maintained. You also take full
                                    responsibility for all activities that occur under your username and password.</p>

                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">USER POLICY</h4>
                                <p class="mb25 text fz15">
                                    <ul class="mb25 text fz15">
                                        <li class="mb15"><span>Every conversation
                                                between the Provider and the User shall be through the platform. This is
                                                required for transparency, accountability, monitoring and complaints
                                                resolution;</span></li>
                                        <li class="mb15"><span>Service request is
                                                not valid until payment is made via the platform;</span></li>
                                        <li class="mb15"><span>Refund shall be
                                                made where a job is canceled;</span></li>
                                        <li class="mb15"><span>Every refund shall
                                                be held in the user escrow wallet to be utilized for subsequent
                                                service(s) except where specifically requested otherwise;</span></li>
                                        <li class="mb15"><span>Where the refund
                                                is otherwise required as stated above, the refund process shall take at
                                                least 24 hours;</span></li>
                                        <li class="mb15"><span>Where a user
                                                chooses to cancel a job before the commencement time, such cancellation
                                                shall attract a Cancellation Fees </span><span>(as set out in the User
                                                Terms) may be
                                                payable.</span></li>
                                        <li class="mb15"><span>The User may make
                                                changes to the Job order before the task is completed. This shall be
                                                done by adjusting the job order form consequent upon the agreement of a
                                                new price with the Provider.</span></li>
                                        <li class="mb15"><span>Every user shall
                                                be charged a transaction fee to be added to the service charge. This
                                                represents the bank charges associated with the transaction;</span></li>
                                        <li class="mb15"><span>Users shall
                                                complete the job completion form; and</span></li>
                                        <li class="mb15"><span>A user shall be
                                                blocked from using the app having been found guilty of poor treatment of
                                                provider</span></li>
                                    </ul>
                                </p>

                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">PROVIDER POLICY</h4>
                                <p class="text fz15">Every conversation between the Provider and the User shall be
                                    through the platform. This is required for transparency, accountability, monitoring
                                    and complaints resolution;

                                    Every provider shall be charged a transaction fee to be deducted from the service
                                    charge. This represents the bank charges associated with the transaction;

                                    A provider with poor rating shall be denied access to the app having been rated
                                    poorly by users on three occasions.</p>

                                    <p class="text fz15">
                                    Payment for Jobs will be paid by the User and collected by FixGini via the relevant
                                    platforms in accordance with the User policy and will be remitted to the Provider in
                                    accordance with this Provider policy.

                                    The Provider will endeavor to notify through the chat screen on the platform if
                                    there are any issues with delivery.

                                    The Provider will call/ email/ text the User if the method of delivery is not
                                    possible when they arrive at the delivery location. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">RESPONSIBILITY FOR LOSS OR DAMAGE SUFFERED BY THE USER</h4>
                                <p class="text fz15">

                                    In the event of loss or damage to the User’s items, both the User and the Provider
                                    shall comply with the following:
                                    </p>

                                    <p class="text fz15">

                                    The Provider shall be liable to the User for direct loss up to a maximum of the
                                    equivalent of the charges paid in relation to the relevant Job.
                                    The Provider shall not be liable for losses that result directly or indirectly from
                                    or in connection with any of the following, regardless of any other contributory
                                    cause or event:
                                    war, invasion, act of foreign enemy, hostilities or a warlike operation or
                                    operations (whether war be declared or not), civil war, rebellion, revolution, riot,
                                    insurrection, civil commotion assuming the proportions of or amounting to an
                                    uprising, military or usurped power;
                                    terrorism, which is defined as any act or acts including but not limited to the use
                                    or threat of force or violence or harm or damage to life or property (or the threat
                                    of such harm or damage) including but not limited to harm or damage by nuclear,
                                    chemical, biological or radioactive means, caused or occasioned by any person or
                                    group of persons, or so claimed, in whole or in part for political, religious,
                                    ideological or similar purposes; or
                                    any action taken in controlling, preventing, suppressing or in any way relating to
                                    (a) or (b) above.
                                    </p>

                                    <p class="text fz15">
                                    Nothing in these terms shall limit or exclude the Provider’s liability for death or
                                    personal injury caused by their negligence or the negligence of their employees,
                                    agents or subcontractors; for fraud or fraudulent misrepresentation; or for any
                                    other loss which cannot be limited or excluded by law.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">USE OF YOUR CONTENTS AND REVIEWS</h4>
                                <p class="text fz15"><span style="font-weight: 400;">The following conditions&nbsp; of
                                        submitting any Content or other materials to the Services, you agree that: You
                                        grant FixGini all the rights and license to use&nbsp;</span></p>
                                <ul class="mb25 text fz15">
                                    <li class="mb15"><span class="mb15">&nbsp;</span><span
                                            class="mb15">you grant to FixGini all rights to use, reproduce,
                                            copy, adapt, modify, merge, distribute, publicly display and create
                                            derivative works from, incorporate such Content into other works without any
                                            cost; sublicense through multiple tiers the Content, and acknowledge that
                                            this license cannot be terminated by you once your Content is submitted to
                                            the Services; acknowledge that FixGini possess all rights required to
                                            publish or refrain from publishing your name and address in connection with
                                            your Content;</span></li>
                                    <li class="mb15"><span class="mb15">you grant to FixGini
                                            all rights necessary to prohibit the subsequent aggregation, display,
                                            copying, duplication, reproduction, distribution, or exploitation of your
                                            Content by any other party;</span></li>
                                    <li class="mb15"><span class="mb15">FixGini may make your
                                            personal information and report available to the public and to the Service
                                            Providers on which you report;</span></li>
                                    <li class="mb15"><span class="mb15">you represent that you
                                            own or have secured all legal rights necessary for the Content submitted by
                                            you to be used by you, FixGini, and others as described and otherwise
                                            contemplated in these Terms and Conditions;</span></li>
                                    <li class="mb15"><span class="mb15">you represent and
                                            warrant that each person identified, depicted, or shown in in your Content,
                                            if any, (and if a minor, the parent or guardian of the minor) has provided
                                            consent to the use of the Content consistent with these Terms and
                                            Conditions;</span></li>
                                    <li class="mb15"><span class="mb15">you are solely
                                            responsible for your reviews and ratings;</span></li>
                                    <li class="mb15"><span class="mb15">FixGini may, in its
                                            sole discretion, choose to remove or not to remove reviews and ratings once
                                            published;</span></li>
                                    <li class="mb15"><span class="mb15">you will not submit
                                            any reviews that may be considered by FixGini to be infringing, harassing,
                                            libelous, abusive, threatening, obscene, profane, hateful, offensive,
                                            harmful, vulgar, distasteful, defamatory, or otherwise violates any relevant
                                            law or right of any other party, or racially, ethnically or otherwise
                                            objectionable;</span></li>
                                    <li class="mb15"><span class="mb15">all of your reviews
                                            and ratings will either be based upon your actual first-hand experiences
                                            with the Service Providers you are reviewing or all of your reviews and
                                            ratings of the Service Providers that you are rating will be accurate,
                                            honest, truthful, and complete in all respects;</span></li>
                                    <li class="mb15"><span class="mb15">you do not work for,
                                            own any interest in or serve on the board of directors of, any of the
                                            Service Providers for which you submit reviews and ratings; you are not in
                                            any way related (by blood, adoption or marriage, if the Service Provider is
                                            an individual) to any of the Service Providers for which you submit reviews
                                            or ratings;</span></li>
                                    <li class="mb15"><span class="mb15">you have not been
                                            hired for any reward to post reviews and ratings;</span></li>
                                    <li class="mb15"><span class="mb15">you will submit
                                            objective and thoughtful reviews of the Service Providers you
                                            review&nbsp;</span></li>
                                    <li class="mb15"><span class="mb15">your reviews are not
                                            comment on other users or the reviews of other users;</span></li>
                                    <li class="mb15"><span class="mb15">reviews with
                                            hyperlinks are unacceptable; or</span></li>
                                    <li class="mb15"><span class="mb15">the reviews and
                                            ratings that you provide do not reflect the views of FixGini, its officers,
                                            managers, owners, employees, agents, designers or other users.</span></li>
                                </ul>
                                </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">PUBLICATION OF CONTENT</h4>
                                <p class="text fz15">You shall be held responsible for any legal action arising from
                                    queries in respect of the accuracy, integrity, quality or appropriateness of any
                                    Content transmitted to or through the Service. FixGini remains a passive conduit and
                                    an interactive computer service provider for the publication and distribution of
                                    Content and for the publication and distribution of any content posted by Service
                                    Providers in response to Content (“Service Provider Content”). </p>

                                    <p class="text fz15">You understand that
                                    all Content and Service Provider Content posted on, transmitted through or linked
                                    through the Service, are the sole responsibility of the person from whom such
                                    Content originated. You understand that FixGini does not control and is not
                                    responsible for Content or Service Provider Content made available through the
                                    Service, and that by using the Service, You may be exposed to Content that is
                                    inaccurate, misleading, or offensive. You agree that You must evaluate and make Your
                                    own judgment, and bear all risks associated with the use of any Content and Service
                                    Provider Content.
                                    </p>

                                    <p class="text fz15">

                                    You further acknowledge that FixGini has no obligation to screen, preview, monitor
                                    or approve any Content or Service Provider Content, or Content posted or submitted
                                    by any other FixGini member or any Service Provider. However, FixGini reserves the
                                    right to review and delete any Content that, in its sole judgment, violates the
                                    terms and conditions of this Agreement. By using the Service, You agree that it is
                                    solely YOUR RESPONSIBILITY to evaluate your risks to bear associated with the use,
                                    accuracy, usefulness, completeness or appropriateness of any Content that you
                                    submit, receive, access, transmit or otherwise convey through the Service.
                                    </p>

                                    <p class="text fz15"> Under no
                                    circumstances will FixGini be liable in any way for any Content or Service Provider
                                    Content, including, but not limited to, any Content or Service Provider Content that
                                    contains any errors, omissions, defamatory statements, or confidential or private
                                    information (including, but not limited to, health information) or for any loss or
                                    damage of any kind incurred as a result of the use of any Content or Service
                                    Provider Content submitted, accessed, transmitted or otherwise conveyed via the
                                    Service. You waive the right to bring or assert any claim against FixGini relating
                                    to Content or Service Provider Content, and release FixGini from any and all
                                    liability for or relating to any Content or Service Provider Content.
</p>

                                    <p class="text fz15">
                                    You may, however, report Content that you believe violates these Terms and
                                    Conditions or is otherwise unlawful through our complaints center. Please note that
                                    you may be liable for damages (including costs and attorneys’ fees) for unlawful
                                    misrepresentations. If you are uncertain whether an activity is unlawful, we
                                    recommend seeking advice from an attorney.
</p>

                                    <p class="text fz15">
                                    You agree that FixGini may establish general practices, policies and limits, which
                                    may or may not be published, concerning the use of the Services, including without
                                    limitation, the time that reviews and ratings will be retained, the maximum number
                                    of reviews and ratings that may be sent from an account, the length of reviews and
                                    ratings sent, and the maximum number of times and the maximum duration for which you
                                    may access the Services in a given period of time. You agree that FixGini has no
                                    responsibility or liability for the deletion or failure to store any Content or
                                    other materials maintained or transmitted by or through the Services. You agree that
                                    FixGini has the right to change these general practices and limits at any time, in
                                    its sole discretion, with or without notice. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">SERVICE PROVIDERS</h4>
                                <p class="text fz15">FixGini does not endorse and is not responsible or liable for any
                                    content, data, advertising, products, goods or services available or unavailable
                                    from, or through, any third party or Service Provider. You agree that should you use
                                    or rely on such content, data, advertisement, products, goods or services, available
                                    or unavailable from, or through any third party or Service Provider, FixGini is not
                                    responsible or liable, indirectly or directly, for any damage or loss caused or
                                    alleged to be caused by or in connection with such use or reliance. </p>

                                    <p class="text fz15">Your dealings
                                    with, or participation in promotions of any Service Provider, and any other terms,
                                    conditions, representations or warranties associated with such dealings, are between
                                    you and such Service Provider exclusively and do not involve FixGini. You should
                                    make whatever investigation or other resources that you deem necessary or
                                    appropriate before hiring or engaging Service Providers.
</p>

                                    <p class="text fz15">
                                    Third parties and Service Providers may link or otherwise direct Internet users to
                                    our Services for the purpose of utilizing one or more of the services we provide on
                                    behalf of others. Additionally, we may provide links or otherwise direct you to
                                    third party or Service Provider websites. FixGini does not control or operate any
                                    such third party or Service Provider websites. Any information you provide to these
                                    third party or Service Provider websites while on these third party or Service
                                    Provider websites is subject to the respective policies of those third parties or
                                    Service Providers, and not FixGini’s policies. </p>

                                    <p class="text fz15">It is your responsibility to review
                                    such third party or Service Provider policies, including any relevant privacy
                                    policies. You agree that FixGini will not be responsible or liable for, and does not
                                    endorse any content, advertising, goods or services provided on or through these
                                    outside websites or for your use or inability to use such websites. FixGini does not
                                    make any representations or warranties as to the security of any information
                                    (including, without limitation, credit card and other personal information) you
                                    might be requested to give to any third party or Service Provider sites. You use
                                    these third party or Service Provider websites at your own risk.
</p>

                                    <p class="text fz15">
                                    You agree that FixGini is not responsible for the accessibility or unavailability of
                                    any Service Provider or for your interactions and dealings with them, waive the
                                    right to bring or assert any claim against FixGini relating to any interactions or
                                    dealings with any Service Provider and release FixGini from any and all liability
                                    for or relating to any interactions or dealings with Service Providers.
</p>

                                    <p class="text fz15">
                                    Without limiting the foregoing, your correspondence or business dealings with,
                                    consumption of products or services of, or participation in promotions of, third
                                    parties or Service Providers found on or through the use of the Services, including
                                    payment for and delivery or fulfillment of related goods or services, and any other
                                    terms, conditions, warranties, or representations associated with such dealings, are
                                    solely between you and such third party.</p>

                                    <p class="text fz15"> You agree that FixGini shall not be
                                    responsible or liable, directly or indirectly, for any loss or damage of any sort
                                    incurred as the result of any such dealings or as the result of the presence of such
                                    third parties or Service Providers on the FixGini Services. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">TERMINATION</h4>
                                <p class="text fz15">FixGini may terminate your privilege to use or access the Services
                                    immediately and without notice for any reason whatsoever. Upon such termination, you
                                    must immediately cease accessing or using the Services and agree not to access or
                                    make use of, or attempt to use, the Services. </p>

                                    <p class="text fz15"> Furthermore, you acknowledge that
                                    FixGini reserves the right to take action -- technical, legal or otherwise -- to
                                    block, nullify or deny your ability to access the Services. You understand that
                                    FixGini may exercise this right in its sole discretion, and this right shall be in
                                    addition to and not in substitution for any other rights and remedies available to
                                    FixGini.</p>

                                    <p class="text fz15">

                                    All provisions of these Terms and Conditions which by their nature should survive
                                    termination shall survive the termination of your access to the Services, including,
                                    without limitation, provision regarding ownership, warranty disclaimers, indemnity,
                                    and limitations of liability.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">TRADEMARKS AND COPYRIGHTS</h4>
                                <p class="text fz15">FixGini, and other Services graphics, logos, designs, page headers,
                                    button icons, scripts, and service names are the trademarks or trade dress of
                                    FixGini in Nigeria and/or other countries. These trademarks and trade dress may not
                                    be used, including as part of trademarks and/or as part of domain names, keyword
                                    advertisements, or email addresses, or in connection with any product or service in
                                    any manner that is likely to cause confusion.
</p>

                                    <p class="text fz15">
                                    You should assume all Content and material made available on the Services is
                                    protected by copyright law. Aside from user-submitted Content, all other materials
                                    and other information on the Services, including, but not limited to, all text,
                                    graphics, logos, icons, images, audio and video clips, downloads, data compilations
                                    and software are the exclusive property of FixGini and/or its licensors and are
                                    protected by all Nigerian and international copyright laws.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">CORRESPONDENCES</h4>
                                <p class="text fz15">FixGini may communicate any notices to You under these Terms and
                                    Conditions, through electronic mail, regular mail or posting the notices on the
                                    Site. All notices to FixGini will be provided by sending a letter, first class
                                    certified mail, to Address. Such notices will be deemed delivered upon the
                                    verification of delivery. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">NETWORK FLUCTUATION OR FAILURE</h4>
                                <p class="text fz15">The Services may be subject to limitations, delays, failure, and
                                    other problems inherent in the use of the Internet and electronic communications.
                                    FixGini is not responsible for any delays, failures or other damage resulting from
                                    such problems.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">FEEDBACK FROM USERS</h4>
                                <p class="text fz15">FixGini appreciates hearing from you, as well as our other users,
                                    and welcomes your comments regarding our Services and you are required to be
                                    specific with such comments. Safe for the feedback, our policy prohibits you from
                                    submitting creative ideas, suggestions or materials other than those specifically
                                    requested by us. </p>

                                    <p class="text fz15"> However, If, despite our request, you send us creative suggestions,
                                    ideas, drawings, concepts or other information (collectively, the “Submissions”),
                                    such Submissions will be the property of FixGini. In addition, none of the
                                    Submissions will be subject to any obligations of confidentiality and FixGini will
                                    not be liable for any future use or disclosure of such Submissions. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">WARRANTIES AND DISCLAIMERS</h4>
                                <p class="text fz15">FixGini makes no guarantee or warranty, express or implied, as to
                                    the reliability, accuracy, timeliness or completeness of any information or content
                                    and for the quality of service that the providers will provide.assumes no
                                    responsibility for any errors or omissions therein. You access and use the services
                                    at your own risk. </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">INDEMNITY</h4>
                                <p class="text fz15">You agree to indemnify, defend and hold harmless FixGini, its
                                    officers, managers, owners, employees, agents, designees, users, successors,
                                    assigns, service providers and suppliers from and against all losses, liabilities,
                                    expenses, damages, claims, demands and costs, including reasonable attorneys’ fees
                                    and court costs due to or arising from: (a) any violation of these Terms and
                                    Conditions by you; (b) the inaccurate or untruthful Content or other information
                                    provided by you to FixGini or that you submit, transmit or otherwise make available
                                    through the Service; or (c) any intentional or willful violation of any rights of
                                    another or harm you may have caused to another. FixGini will have sole control of
                                    the defense of any such damage or claim.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">LIMITATIONS AND EXCLUSION OF LIABILITY</h4>
                                <p class="text fz15">FixGini shall not be liable for or required to pay compensation of
                                    any nature whatsoever for any loss arising from but not limited to the following
                                    reasons:

                                    inability to transmit data due to telecommunication infrastructure breakdown;

                                    System shut-down for the purpose of system maintenance;
</p>

                                    <p class="text fz15">
                                    Systems failure and inability to perform its functions due to force majeure events
                                    including but not limited to hurricane, tornadoes, terrorist attack, explosions,
                                    acts of God, typhoons, earthquakes, tsunamis, floods, power failure, fires, storms,
                                    war, shortage of labor or materials, riots, insurrections, , nonperformance of third
                                    parties, political unrest governmental actions, civil disturbances, labour strikes,
                                    orders of domestic or foreign courts or tribunals; or
</p>

                                    <p class="text fz15">
                                    Suspension or delay of services or systems failure due to reasons beyond the
                                    reasonable control of FixGini.com such as hacker or cyber attacks, technical
                                    adjustments or failure of the telecommunications department, website upgrades, third
                                    party problems or any suspension of business operation (including but not limited to
                                    delays or disruption of the resumption of work or operation ordered by any
                                    government agency) in the event of a national or regional spread of epidemic or
                                    pandemic.
</p>

                                    <p class="text fz15">
                                    disclosure of, unauthorized access to or alteration of your information or content;

                                    content you submit, receive, access, transmit or otherwise convey through the
                                    service;

                                    statements or conduct of any service providers or other third party through the
                                    service;

                                    any other dealings or interactions you have with any service providers (or any of
                                    their representatives or agents).
</p>

                                    <p class="text fz15">
                                    These limitations shall apply to the fullest extent permitted by law. In some
                                    jurisdictions, limitations of liability are not permitted. In such jurisdictions,
                                    some of the foregoing limitations may not apply to you. In that case, our aggregate
                                    liability to you in respect of any deal to provide services to you under these terms
                                    and conditions shall not exceed the total amount paid and payable to us under the
                                    deal. Each separate transaction shall constitute a separate deal.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title"> MUTUAL ARBITRATION AGREEMENT</h4>
                                <p class="text fz15">Informal Negotiations. To expedite resolution and reduce the cost
                                    of any dispute, controversy or claim, past, present, or future, between you and
                                    FixGini, including without limitation any dispute or claim related to or arising out
                                    of this Agreement ("Dispute"), you and FixGini may attempt to negotiate any Dispute
                                    informally (the "Informal Negotiations'') before initiating any arbitration or court
                                    proceeding. Such Informal Negotiations will commence upon written notice. </p>

                                    <p class="text fz15">Your
                                    address for any notices under this Section is your physical address that you have
                                    provided to FixGini. FixGini's address for such notices is:
                                    Arbitration. If a Dispute is not resolved through Informal Negotiations, you and
                                    FixGini agree to resolve any and all Disputes (except those Disputes expressly
                                    excluded below) through final and binding arbitration ("Arbitration Agreement").
                                    This Arbitration Agreement shall be governed by the Nigerian Arbitration and
                                    Mediation Act 2023 and evidences a transaction involving commerce. The arbitration
                                    will be commenced and conducted before a single arbitrtor under the Commercial
                                    Arbitration Rules (the "AADRC Rules") of the Nigeria Institute of Chartered
                                    Arbitrators (NICArb.) Your arbitration fees and your share of arbitrator
                                    compensation will be governed by the AADRC Rules. </p>

                                    <p class="text fz15">If you are unable to pay such
                                    costs, FixGini will pay all arbitration fees and expenses. Each party will pay the
                                    fees for his/her or its own attorneys, subject to any remedies to which that party
                                    may later be entitled under applicable law. The arbitrator will make a decision in
                                    writing. Additionally, the arbitrator, and not any federal, state, or local court or
                                    agency, shall have the exclusive authority to resolve any dispute relating to the
                                    interpretation, applicability, enforceability, or formation of this Arbitration
                                    Agreement. However, the preceding sentence shall not apply to the "Class Action
                                    Waiver" described in Subsection (4) below.</p>

                                    <p class="text fz15">
                                    Excluded Disputes. You and FixGini agree that the following Disputes are excluded
                                    from this Arbitration Agreement: (1) any Dispute seeking to enforce or protect, or
                                    concerning the validity of, any of your or our intellectual property rights; (2)
                                    individual claims in small claims court; (3) any claim that an applicable federal
                                    statute expressly states cannot be arbitrated; and (4) any claim for injunctive
                                    relief.</p>

                                    <p class="text fz15">
                                    WAIVER OF RIGHT TO BE A PLAINTIFF OR CLASS MEMBER IN A CLASS ACTION. To the fullest
                                    extent permitted by applicable law, You and FixGini agree to bring any Dispute in
                                    arbitration on an individual basis only, and not as a class or collective action.
                                    There will be no right or authority for any Dispute to be brought, heard or
                                    arbitrated as a class or collective action ("Class Action Waiver"). Regardless of
                                    anything else in this Arbitration Agreement and/or the applicable AADRC Rules, the
                                    interpretation, applicability, enforceability or formation of the Class Action
                                    Waiver may only be determined by a court and not an arbitrator.
                                    Rules/Standards Governing Arbitration Proceeding. </p>

                                    <p class="text fz15">A party who wishes to arbitrate a
                                    Dispute covered by this Arbitration Agreement must initiate an arbitration
                                    proceeding no later than the expiration of the statute of limitations that
                                    applicable law prescribes for the claim asserted. The arbitrator shall apply the
                                    statute of limitations that would have applied if the Dispute had been brought in
                                    court. The arbitrator may award any remedy to which a party is entitled under
                                    applicable law, but remedies shall be limited to those that would be available to a
                                    party in their individual capacity, and no remedies that otherwise would be
                                    available to an individual under applicable law will be forfeited. The arbitrator is
                                    without authority to apply any different substantive law. </p>

                                    <p class="text fz15">The parties have the right
                                    to conduct adequate civil discovery and present witnesses and evidence as needed to
                                    present their cases and defenses, and any dispute in this regard shall be decided by
                                    the arbitrator. The location of the arbitration proceeding shall take place in the
                                    city or county where you reside, unless each party agrees otherwise. </p>

                                    <p class="text fz15">A court of
                                    competent jurisdiction shall have the authority to enter judgment upon the
                                    arbitrator's decision/award.
                                    Severability. You and FixGini agree that if any portion of this Section entitled
                                    "Mutual Arbitration Agreement" is found illegal or unenforceable, that portion will
                                    be severed, and the remainder of this Section will be given full force and effect.
                                </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">MISCELLANEOUS</h4>
                                <p class="text fz15">If you breach any term of these Terms and Conditions or other
                                    agreement with FixGini, FixGini may pursue any legal or equitable remedy available,
                                    including but not limited to, direct, consequential, and punitive damages and
                                    injunctive relief. FixGini’s remedies are cumulative and not exclusive. Failure of
                                    FixGini to exercise any remedy or enforce any portion of the Terms and Conditions at
                                    any time shall not operate as a waiver of any remedy or of the right to enforce any
                                    portion of the Agreement at any time thereafter.</p>

                                    <p class="text fz15">

                                    If any provision of the Terms and Conditions is found to be unenforceable or
                                    invalid, that provision shall be limited or eliminated to the minimum extent
                                    necessary so that the Terms shall otherwise remain in full force and effect and
                                    enforceable.</p>

                                    <p class="text fz15">

                                    These Terms and Conditions are not assignable, transferable or sublicensable by you
                                    except with FixGini’s prior written consent. We may transfer, assign or delegate the
                                    Terms and its rights and obligations without consent.</p>

                                    <p class="text fz15">

                                    Users of this Services are responsible for compliance with all applicable
                                    regulations and laws.</p>

                                    <p class="text fz15">

                                    No joint venture, partnership, employment or agency relationship exists between you
                                    and FixGini as a result of these Terms and Conditions or use of the Services.
</p>

                                    <p class="text fz15">
                                    You acknowledge and agree that each of the Released Parties shall be an intended
                                    third-party beneficiary of these Terms and Conditions.</p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">INTELLECTUAL PROPERTY RIGHT</h4>
                                <p class="text fz15">FixGini is the sole owner or lawful licensee of all the rights and
                                    interests in the site and the site content. The site and its content embody trade
                                    intellectual property rights protected under Nigerian copyright and other laws. All
                                    title, ownership and intellectual property rights in the site and its content shall
                                    remain with FixGini, our affiliates or licensors, as the case may be. All rights not
                                    otherwise claimed under the Terms or by FixGini are hereby reserved.
</p>

                                    <p class="text fz15">
                                    "FixGini" and related icons and logos are registered trademarks or service marks of
                                    FixGini Limited and its affiliates, in various jurisdictions and are protected under
                                    applicable copyright, trademark and other proprietary rights laws. The unauthorized
                                    copying, modification, use or publication of these marks is strictly prohibited.
</p>

                                    <p class="text fz15">
                                    FixGini may have independent third parties involved in the provision of the FixGini
                                    site or services (e.g., the authentication and verification service providers). You
                                    may not use any trademark, service mark or logo of such independent third parties
                                    without prior written approval from such parties.
</p>

                                    <p class="text fz15">
                                    To the largest extent permissible under applicable law, all rights, title and
                                    interest to all derivative work created by FixGini and/or its affiliates using user
                                    content pursuant to the terms shall belong to FixGini, which may be freely
                                    assignable, licensable or grantable by FixGini to any third party or its affiliates.
                                </p>
                            </div>
                            <div class="grids mb90 mb40-md">
                                <h4 class="title">GOVERNING LAW</h4>
                                <p class="text fz15">This Agreement shall be governed by and construed in accordance
                                    with the laws of the Federal Republic of Nigeria, without giving effect to any
                                    choice or conflict of law provision or rule (either of the Federal Republic of
                                    Nigeria or any other jurisdiction) that would cause the application of the laws of
                                    any jurisdiction other than the Federal Republic of Nigeria.</p>
                            </div>

                        </div>
                    </div>
                </div>
            </div>
        </div>
</section>

@endsection