Introduction
These terms and conditions govern your use of this website; by using this website, you accept these terms and conditions in full. If you disagree with these terms and conditions or any part of these terms and conditions, you must not use this website.
You must be at least 18 years of age to use this website. By using this website and by agreeing to these terms and conditions] you warrant and represent that you are at least 18 years of age.
This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to our Howfa.Ng use of cookies in accordance with the terms of Howfa.Ng’s privacy policy / cookies policy
License to use website
Unless otherwise stated, Howfa.Ng and/or its licensors own the intellectual property rights in the website and material on the website. Subject to the license below, all these intellectual property rights are reserved.
You may view, download for caching purposes only, and print pages or OTHER CONTENT from the website for your own personal use, subject to the restrictions set out below and elsewhere in these terms and conditions.
You must not:
Where content is specifically made available for redistribution, it may only be redistributed within your organisation
Acceptable use
You must not use this website in any way that causes, or may cause, damage to the website or impairment of the availability or accessibility of the website; or in any way which is unlawful, illegal, fraudulent or harmful, or in connection with any unlawful, illegal, fraudulent or harmful purpose or activity.
You must not use this website to copy, store, host, transmit, send, use, publish or distribute any material which consists of or is linked to any spyware, computer virus, Trojan horse, worm, keystroke logger, rootkit or other malicious computer software.
You must not conduct any systematic or automated data collection activities including without limitation scraping, data mining, data extraction and data harvesting on or in relation to this website without Howfa.Ng express written consent.
You must not use this website to transmit or send unsolicited commercial communications.
You must not use this website for any purposes related to marketing without Howfa.Ng express written consent.
Restricted access
Access to certain areas of this website is restricted. Howfa.Ng reserves the right to restrict access to other areas of this website, or indeed this entire website, at Howfa.Ng discretion.
If Howfa.Ng provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.
Howfa.Ng may disable your user ID and password in Howfa.Ng sole discretion without notice or explanation.
User content
In these terms and conditions, “your user content” means material (including without limitation text, images, audio material, video material and audio-visual material) that you submit to this website, for whatever purpose.
You grant to Howfa.Ng a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, publish, translate and distribute your user content in any existing or future media. You also grant to Howfa.Ng the right to sub-license these rights, and the right to bring an action for infringement of these rights.
Your user content must not be illegal or unlawful, must not infringe any third party's legal rights, and must not be capable of giving rise to legal action whether against you or Howfa.Ng or a third party (in each case under any applicable law).
You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.
Howfa.Ng reserves the right to edit or remove any material submitted to this website, or stored on Howfa.Ng servers, or hosted or published upon this website.
Notwithstanding Howfa.Ng rights under these terms and conditions in relation to user content, Howfa.Ng does not undertake to monitor the submission of such content to, or the publication of such content on, this website.
No warranties
This website is provided “as is” without any representations or warranties, express or implied. Howfa.Ng makes no representations or warranties in relation to this website or the information and materials provided on this website. Howfa.Ng offers the use of its website or data on its website without ant warranty or commitment to the users of this website and Howfa.Ng cannot be held responsible for any kind of any losses or disappointments of any kind what so ever at any court of law or at any other place,
Without prejudice to the generality of the foregoing paragraph, Howfa.Ng website does not warrrant that:
Nothing on this website constitutes, or is meant to constitute, advice of any kind. If you require advice in relation to any legal, financial or medical matter you should consult an appropriate professional.
Limitations of liability
Howfa.Ng will not be liable to you (whether under the law of contact, the law of torts or otherwise) in relation to the contents of, or use of, or otherwise in connection posted content.
Reasonableness
By using this website, you agree that the exclusions and limitations of liability set out in this website disclaimer are reasonable.
If you do not think they are reasonable, you must not use this website.
Unenforceable provisions
If any provision of this website disclaimer is, or is found to be, unenforceable under applicable law, that will not affect the enforceability of the other provisions of this website disclaimer.
Indemnity
You hereby indemnify Howfa.Ng and undertake to keep Howfa.Ng indemnified against any losses, damages, costs, liabilities and expenses (including without limitation legal expenses and any amounts paid by Howfa.Ng to a third party in settlement of a claim or dispute on the advice of Howfa.Ng legal advisers) incurred or suffered by Howfa.Ng arising out of any breach by you of any provision of these terms and conditions, or arising out of any claim that you have breached any provision of these terms and conditions.
Breaches of these terms and conditions
Without prejudice to Howfa.Ng other rights under these terms and conditions, if you breach these terms and conditions in any way, Howfa.Ng may take such action as Howfa.Ng deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.
Variation
Howfa.Ng may revise these terms and conditions from time-to-time. Revised terms and conditions will apply to the use of this website from the date of the publication of the revised terms and conditions on this website. Please check this page regularly to ensure you are familiar with the current version.
Assignment
Howfa.Ng may transfer, sub-contract or otherwise deal with Howfa.Ng rights and/or obligations under these terms and conditions without notifying you or obtaining your consent.
You may not transfer, sub-contract or otherwise deal with your rights and/or obligations under these terms and conditions.
Severability
If a provision of these terms and conditions is determined by any court or other competent authority to be unlawful and/or unenforceable, the other provisions will continue in effect. If any unlawful and/or unenforceable provision would be lawful or enforceable if part of it were deleted, that part will be deemed to be deleted, and the rest of the provision will continue in effect.
Entire agreement
These terms and conditions constitute the entire agreement between you and Howfa.Ng in relation to your use of this website, and supersede all previous agreements in respect of your use of this website.
You can contact Howfa.Ng by email using this link Contact us
Credit
We thank you all users / visitors for their cooperation and compliance.
