Train Now Pay Later T&C

TERMS & CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS PLATFORM.

These Terms and Conditions (“Terms”) are published by Knowledge hub 365 Worldwide Limited (“Khub365”) in accordance with the provisions of the Nigeria Data Protection Regulation 2019 (“Data Protection Regulation”) that require publishing rules and regulations, privacy policy and terms of use for access or usage of Knowledgehub365 resources including the www.knowledgehub365.com website (“Website”) and Khub365’s mobile applications including but not limited to mobile based Android/iOS applications (“Applications”) (collectively referred to as “Platform” hereafter). It is hereby clarified that Platform shall also include e-mails, social media, messenger, or dashboards of Knowedgehub365.

ACCEPTANCE OF TERMS AND MODIFICATION
1. These Terms along with the Privacy Policy as referred to in Clause 12 of these Terms (“Privacy Policy”) as maybe amended and supplemented, from time to time, constitutes a legally binding financial services end-user license agreement between Knowledgehub 365, Edfin Microfinance Bank, and the visitor/user (“User”) for using various financial services provided by Knowledgehub 365 including but not limited to various loan products accessed through Edfin Microfinance Bank (“Loans”) and sharing certain data through the Platform (“Services”).
2. Knowledgehub 365 reserves the right, in its sole discretion, to make any changes to the Terms and the Services. Any changes to these Terms will only be effective when posted on the Platform, and the User agrees to review the Terms regularly to understand any changes. Knowledgehub 365 shall not be obligated to inform the User of any such change/modifications more than once in a calendar year.
3. If the User does not agree with any of the Terms, the User must not access the Platform. The User agrees that on such rejection, the User will not be able to access/ use the Platform/receive Services or seek any information from the Platform whatsoever. BY CONTINUING TO USE OR ACCESS THE PLATFORM THE USER IS DEEMED TO HAVE READ, UNDERSTOOD AND EXPRESSLY AGREED TO THE TERMS CONTAINED HEREIN AND FURTHER AGREES THAT SUCH TERMS SHALL CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN KNOWLEDGEHUB365 AND THE USER.

DATA COLLECTION/STORAGE AND PROCESSING

By clicking on the “SUBMIT / I AGREE” button or by downloading or accessing the Platform in any mode/manner, the User implies his/her assent to the Terms and further:
1. confirms that he/she has completed 18 (eighteen) years of age and is not prohibited from entering into a valid contract under any applicable laws.
2. unconditionally accepts, without limitation or qualification that Knowledgehub 365 shall collect, process, store, authenticate, verify and confirm the User’s personal data including name, e-mail address, gender, date of birth, mobile number and any information that the User shares from Facebook and/or LinkedIn accounts to Knowledgehub 365 and other sensitive personal data as defined in the Nigeria Data Protection Regulation 2019, data required for Know Your Customer, e-KYC data, requirement and other relevant details, documents and details (“Personal Data”) as may be required by the Knowledge hub 365 from time to time in order to provide any Services.
3. agrees and acknowledges that any sub-sites (whether belonging to an associate or otherwise) accessed by the User through the Platform, may have their own terms and conditions, which are specific to such sub-site and Knowledgehub365 should not be liable for any data collection, sharing or processing by such sub-sites.
4. declares that all the particulars and information provided by him/her are true, correct, complete and up-to-date in all respects and that he/she have not withheld any information whatsoever.
5. authorizes Knowledgehub365 to exchange, share all Personal Data including information and details as provided by him/her including in relation to any existing loans and/or repayment history to any third party including but not limited to its group companies, service providers, banks, financial institutions, credit information companies, telecommunication companies, statutory bodies, business partners etc. for customer verification, personalization of products or services, credit rating, data enrichment, marketing or promotion of Khub365’s Services or related products or that of its associates/business partners and affiliates or for enforcement of his/her obligations under these Terms and any other documentation executed with Khub365 in relation to the Services. He/she shall not hold Khub365 (or any of its group companies or its/their agents/representatives/ business partners/service providers) liable for the use/sharing of the information as stated above.
6. hereby expressly consents to and authorises Khub365/ its representatives/agents/business partners/group companies/affiliates to send him/her any communication regarding products/services offered by them using various communication channels, such as, telephone, calls/SMS/WhatsApp/bots/emails/post etc.
7. understands that, for the purpose of providing the Services, the Platform shall require Personal Data of the User as set out in these Terms, and the User hereby expressly consents, permits and provides the Platform access to any such details as requested by the Platform from time to time.

REGISTRATION AND SERVICES
1. Access to certain areas of the Platform may only be available to registered Users. The User undertakes to provide correct and valid information/details for registration and requesting for or availing any Services under these Terms. At the time of registration, the User shall be required to share and upload his/her Personal Data and any other details as required by Khub365, pursuant to which the User shall receive a user ID and password. The User agrees and undertakes to be responsible for maintaining the confidentiality of the password and user ID at all times, and shall be fully responsible for all activities that are undertaken by use of such password or user ID. Further, the User agrees not to use any other party’s user ID and password for any purpose whatsoever. The User is responsible for the security of his/her
  
  user ID and password and for all transactions undertaken using his/her user ID and password.
2. The User also agrees and undertakes to immediately notify Khub365 of any unauthorized use of the User’s user ID or password. Khub365 shall not be responsible for any, direct or indirect loss or damage arising out of the User’s failure to comply with the requirements laid down in this Clause 3.
3. The User represents and warrants that all information/details supplied by the User to Khub365, about the User, are true and accurate and no fact therein has been misrepresented. The User hereby provide its consent to Khub365, to share the information provided by the User with any service providers appointed by Khub365 and their sub-contractor(s) if any, strictly for the purpose of providing Services under these Terms.
4. If Khub365 has reason to believe that any request received from the User for availing Services under these Terms is unauthorized or any information submitted by the User is untrue or false, Khub365 in its sole discretion shall have the right to take any action against the User, including cancellation of the Service etc without any prior notice to the User. Khub365 shall not be responsible or liable for any loss or damage that may be caused to the User as a consequence of such cancellation of the Services or revocation of access and use of the Platform.
5. Once the User uploads and verifies the Personal Data and/or other documents and details, Khub365 shall rely on the same and may process applications made by the User, with or without additional due diligence/authentication. Upon successful completion of the document verification by Khub365, Services may be provided by Khub365 to the User, subject to the eligibility criteria and any other conditions set forth by Khub365 for providing such Services.
6. The User understands that the loan shall be disbursed to Khub365 subject to fulfilment of the relevant terms and conditions and other requirements for the Loan and execution of all necessary documentation. The sanctioned Loan shall be disbursed in the designated bank account provided by the User. The User is required to repay the outstanding amount(s) to Edfin Microfinance Bank on the respective due date(s) mentioned by Edfin Microfinance Bank. Non-compliance with this provision shall be construed to be a material breach, and shall lead to termination of these Terms, in addition to any other criminal, civil remedy available to Khub365 and Edfin Microfinance bank (either independently or jointy) against the applicant.
7. The User shall provide Personal Data only when he/she agrees with its usage and dissemination for the purpose of relevant Services and in accordance with the Terms herein. The User’s withdrawal of consent shall be sent to Khub365 via an email before loan approval by Edfin Microfinance bank (which shall be effective subject to the applicable law and only to such extent practicable to give effect). Consent Withdrawal done after loan application will attract an interest on repayment as earlier stated.
8. The User further acknowledges that the User shall adhere to any Know Your Customer guidelines issued by Khub365.
9. The User further agrees that on availing the Services from Khub365, he/she shall be contracting with Edfin Microfinance Bank on a principal to principal basis.
10. The User further agrees that he/she shall only be eligible for a remote or local job where he/she has applied for a full loan and obtained an approval from Edfin Microfinance Bank in respect of same. Full loan here means an application for the sum of 1.5 million naira for a 1-year training period.
11. Notwithstanding the provisions in paragraph j above, the User agrees that application for a full loan does not guarantee securing a job under these Terms. Khub365 shall however provide the necessary supports, recommendations and training required for the participant to fit into any job, either global or local. In furtherance of the foregoing, Khub365 shall send available job openings to the participants from time to time.
12. The user further agrees that he/she may not necessarily be the one to liaise with the employer of jobs, specifically in the case of remote job placement. On the occasion where this happens, Khub365 shall charge an administrative fee of 10% of the monthly revenue generated from the job successfully completed.
13. The user further agrees that Khub365 will not be held liable for any default in loan repayment. The agreement to obtain loan is between Edfin Microfinance bank and the user.
14. The user further consent to the terms and conditions stated by Edfin Microfinance bank on loan repayment, disbursement, applications and processing.
15. The user further consents that the agreed amount of loan he/she applied for should be disbursed to Khub365 by Edfin Microfinance bank. Also, that the loan agreed upon with Khub365 is stated on the admission letter provided by Khub365 which the User is to upload on the Edfin Microfinance bank application portal.
16. The user further agrees that Khub365 should deposit the sum of 10% of the agreed loan to the user’s Edfin account before loan is processed by Edfin Microfinance bank. Meanwhile, the user will not have access to the 10% amount deposited until he/she has fully paid back the total sum collected as loan.
17. The user further agrees that he/she will pay back the total loan within a period of 1 year after the 3 months moratorium period upon training completion.

PLATFORM CONTENTS AND INTELLECTUAL PROPERTY RIGHTS
1. Upon agreeing to comply with these Terms, the User shall be granted a non-exclusive, non-transferable, limited right to access, view and use the Platform. Unless otherwise specified, the Platform is only for personal and non-commercial use by the User.
2. All materials displayed on the Platform, including but not limited to text, images, photographs, graphics, audio, video, software, icons, reports generated, trademarks, tradenames or other material (the “Content”) belong to Khub365 and form part of Khub365’s intellectual property. Intellectual property laws in all applicable jurisdictions protect the Platform all its Content.
3. The User hereby acknowledges that there may be proprietary logos, service marks and trademarks on the Platform that are owned/used by licensors of Khub365 and other third party(s) (“Third Party Content”). By displaying them on this Platform, Khub365 does not grant any license/authority to the User to utilize any such Third Party Content. Any unauthorized use of the Third Party Content by the User may violate extant laws and regulations that protect such Third Party Content under intellectual property law and may lead to personal liability along with civil and criminal action against the User by such licensors/third parties.
4. Khub365 and its licensors (where applicable), are the sole owners of the Content and Third Party Content, the software and all source code associated with the Platform including all the trademarks, copyright and any other intellectual property rights of any nature in relation to the Platform.
5. The User agrees to abide by all instructions provided on the Platform regarding the use of the Content/Third Party Content and any application thereof.
6. The User acknowledges and agrees that the User will not transmit, distribute, show, exchange, modify, sell, upload, post, reproduce, copy, mirror, frame, republish, download, store (in any medium), up-load to a third party, adapt or change in any way the Content/Third Party Content such that the intellectual property rights of Khub365 or any third party are affected, or create derivative works of the Content, Third Party Content or the Services for any business, commercial or public purpose without the express written authorization of Khub365 or its licensors (where applicable), except to the extent that such copying/printing is necessary for the purposes of availing the Services.

PROHIBITED CONDUCT
1. The User shall not interrupt or attempt to interrupt the operation of the Platform in any manner whatsoever.
2. The User hereby agrees not to use the Platform to:
  1. Transmit any information or do anything that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libellous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
  2. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity;
  3. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted through the Platform;
  4. Transmit any information that you do not have a right to transmit or which infringes on the rights of Khub365 or any of its licensors or any other third party;
  5. Carry out any activity which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world;
  6. transmit any material that contains malware, spyware, software viruses, time bombs, cancel bots, worms, trojan horses, or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment.
  7. Interfere with or disrupt the Platform/Services or servers or networks connected to the Platform/Services, or violate any requirements, procedures, policies or regulations of networks connected to the Platform, or collect or store Personal Data about other users without their express consent;
  8. Transmit any content:
    1. Which exploits children under 18 years of age;
    2. Which promotes mail fraud, multi-level marketing (pyramid) schemes or other illegal or fraudulent activities;
    3. Which has been promoted through the sending of spam or mail fraud schemes, or pages that promote or condone the sending of spam. The sending of the same will result in an immediate suspension of the Services availed by the User.
    4. That is or contains links to nudity, pornography, adult content, materials with sex or foul language.

MONITORING SITE CONTENT
1. The User permits Khub365 in its sole discretion and for any reason deemed fit by Khub365, to: (i) monitor the Content, including any material submitted by the User, on the Platform, including chat rooms, electronic bulletin boards, forums and other communications facilities, to determine compliance with these Terms; and (ii) edit, refuse to post or remove any material submitted by the User.
2. Nothing contained in this clause 7 (a) shall have the effect of creating any obligation on Khub365 to monitor or censor any Content or material displayed on the Platform.
3. Khub365 reserves the right to host moderated or un-moderated forums on other web pages to which the Users can post materials (“Forums”). Khub365 is not responsible for:
  1. Materials posted to Forums by third parties, whether or not such Forum is moderated by Khub365;
  2. Materials altered by Khub365 in moderating Forums; or
  3. Any removal of, or failure to remove, all or any part of such materials.

TERMINATION
1. Khub365 reserves the right to terminate any Services availed by the User, or any access to and use of the Platform by the User forthwith, without any prior notice to the User, in the event:
  1. The User is determined to be in breach of any of these Terms;
  2. The use of or access to the Platform or the availing of any Services by the User disrupts Khub365’s business operations or affects or encroaches the rights of any other third party.
  3. if such access and use results or may result in, or is the subject of, legal action or threatened legal action against Khub365 or any of its affiliates or partners, without consideration for whether such legal action or threatened legal action is eventually determined to be with or without merit;
  4. Such termination is required under any applicable law or by way of any order from an authority having jurisdiction over the Services/Platform.
  5. Any other reasons at the sole discretion of Khub365.
2. Upon termination of these Terms, the User’s right to use the Platform/ Services shall immediately cease. The User shall have no right and Khub365 shall have no obligation thereafter to execute any of the User’s uncompleted tasks or forward any unread or unsent messages to the User or any third party.

RESERVATION OF RIGHTS

Notwithstanding anything contained in these Terms, Khub365 has the sole discretion and reserves the right to:

1. censor any Content on the Platform that is deemed inappropriate by Khub365;
2. cooperate fully with any law enforcement authority in any jurisdiction in respect of a lawful direction or request to disclose the identity or other information about anyone posting materials which the authority claims violate any applicable law;
3. modify, suspend or terminate, temporarily or permanently, the access to the Platform and/or the Services or any portion thereof at any time, without notice, for general maintenance. This includes removing information transmitted by the User to the Platform. The User agrees that it may be necessary for Khub365 to temporarily suspend the access and use to the Platform for technical reasons or to maintain network equipment or facilities.

INDEMNIFICATION

The User agrees to indemnify, defend and hold harmless Khub365, its affiliates, group companies and their directors, officers, employees, representatives, agents, third party service providers, and any other third providing any service to Khub365 in relation to the Platform/Services whether directly or indirectly (“Indemnified Parties”), from and against any and all losses, liabilities, claims, damages, costs and expenses (including legal fees and disbursements in connection therewith and interest chargeable thereon) asserted against or incurred by the Indemnified Parties that arise out of, result from, or may be payable by virtue of :

1. Any breach or non-performance of any representation, warranty, covenant or agreement made or obligation to be performed by the User pursuant to this agreement.
2. Violation of any law, country specific rules and regulations, general code of conduct or rights of a third party by the User; or
3. Availing of Services and access and use of the Platform by the User.

LIMITATION OF LIABILITY
1. Notwithstanding anything contained herein, Khub365, its officers, directors, owners, agents and employees shall in no way be liable to the User or any other person whatsoever for any direct, indirect, incidental or consequential damages or economic loss or injury arising, whether in contract, tort or otherwise from the User’s use or inability to use the Platform, or any of its Contents, or from any action or omission taken as a result of using the Services or any other services or products provided to the User or any other website to which the Platform is linked. This includes (but is not restricted to) loss or damage that the User might suffer as a result of any of the following:
  1. The User’s reliance on the completeness, accuracy, suitability or currency of the Platform or its Content (including all third-party material and advertisements on the Platform), irrespective of any verifying measures taken by Khub365;
  2. Any failure of performance, error, omission, interruption, deletion, defect, failure to correct defects, delay in operation or transmission, computer virus or other harmful component, loss of data, communication line failure, unlawful third party conduct, or theft, destruction, alteration or unauthorised access to records on the Platform by Khub365 or any other third party;
  3. Defamatory, threatening, offensive or unlawful conduct of third parties or Khub365’s publication of any materials relating to or constituting such conduct;
  4. Any damages or economic loss, whatsoever, as a result of notifying any official of potentially illegal content on website, or for providing copies of the User’s data files to the appropriate authorities or cooperating with law enforcement efforts to locate any persons who have posted content that is illegal or promotes illegal conduct.

However, nothing contained in this clause shall exclude or limit our liability which cannot be excluded or limited under applicable law.

1. The User further agrees and acknowledges that all Services shall be provided subject to and based upon the details and/or information provided by the User. In case the details are inaccurate and do not comply with the guidelines issued by Khub365 in this regard, Khub365 shall have no liability whatsoever with respect to such details/information.

CONFIDENTIALITY
Any information specifically mentioned by Khub365 as confidential shall be maintained confidentially by the User and shall not be disclosed unless required under any law to the appropriate authorities or to serve the purposes of these Terms and any obligations of the Parties captured herein.

PRIVACY POLICY
1. Khub365 is committed to protecting the User’s privacy. Khub365’s Privacy and sets out Khub365’s obligations with respect to the safeguarding, collection and use of the Personal Data of the Users. Khub365 ensures that only authorized employees, representatives and professionals use any Personal Data collected from individual Users on a need-to-know basis. Khub365 periodically reviews its systems and data to ensure the best possible service to the Users.
2. Khub365 takes appropriate steps to protect the information the User shares on the Platform, including having effective technology, security features and strict policy guidelines in place to safeguard the privacy of any Personal Data from unauthorized access, misuse and disclosure.
3. Khub365 will continue to reinforce its security procedures as advanced technology becomes available, to ensure that that its security procedures are compliant with current applicable regulations.

DISCLOSURES
1. Khub365 does not sell, rent, share, lease or otherwise provide Personal Data to third parties, without the User’s prior consent. Without prejudice to the foregoing, Khub365 may disclose Personal Data in the following cases:
  1. Administrators– Khub365 shall provide authorized administrative(s) access to the User’s Personal Data for internal business purposes, provided that such authorized administrative(s) shall be under confidentiality obligations towards Khub365.
  2. Affiliates– Khub365 may provide Personal Data to its affiliates. For example, Khub365 may disclose Personal Data to its affiliates in order to respond to the User’s requests for information or Services, or to help limit receipt of marketing materials the User has requested not to receive.
  3. Business Partners-. Khub365 may use certain trusted third-party companies and individuals to help provide, analyse, and improve the Services including but not limited to data storage, maintenance services, database management services, credit bureau services, services of rating agencies, web analytics, payment processing, and any other service for the improvement of the Platform’s features. These third parties may have access to the User’s information only for purposes of performing these tasks on Khub365’s behalf and under confidentiality and data protection obligations similar to those in this Terms. Khub365 may disclose the User’s Personal Data to partners who perform business functions or hosting services on Khub365’s behalf and may be located outside of Nigeria.
  4. Service Providers– Khub365 may share your Personal Data to third party service providers, who are working with Khub365 in connection with the operation of the Services or the Platform, so long as such service providers are subject to confidentiality restrictions consistent with these Terms.
  5. Joint Marketing Arrangements– Where permitted by law, Khub365 may share your Personal Data with joint marketers with whom Khub365 has a marketing arrangement. Khub365 will require all such joint marketers to have written contracts with Khub365 that specify appropriate use of the User’s Personal Data, requires the joint marketers to safeguard such Personal Data, and prohibits the joint marketers from making unauthorized or unlawful use of the User’s Personal Data. The User hereby acknowledges and consents to such use and sharing of data.
  6. Assignee/Acquirer of Khub365’s Business– In the event of a selldown or transfer Khub365’s business or assets, certain Personal Data may be transferred to the person/entity acquiring the business/asset. Khub365 will ensure that prior notice is provided to the User before any such selldown.
  7. Legal and Regulatory Authorities– Khub365 may be required to disclose Personal Data due to legal or regulatory requirements. In such instances, Khub365 reserves the right to disclose Personal Data as required in order to comply with any legal obligations, including but not limited to complying with court orders, warrants, or discovery requests. Khub365 may also disclose Personal Data to (a) any law enforcement officers or other authorized officials having jurisdiction over the Platform; (b) Credit Information Companies; (c) comply with a judicial proceeding, court order, or legal process served on Khub365 or the Platform; (d) enforce or apply these Terms or any other policies or agreements executed between the Parties; (e) respond to claims that any Personal Data violates the rights of third-parties; (f) protect the rights, property, or personal safety of Khub365, or the general public. The User agrees and acknowledges that Khub365 may not notify the User prior to or after any disclosure made in accordance with this section.
2. Notwithstanding anything mentioned hereinabove, Khub365 shall not be responsible for the actions or omissions of the service providers or parties with whom any Personal Data is shared, nor shall Khub365 be responsible and/or liable for any additional information the User may choose to provide directly to any service provider or any third party even if the User provides such information after redirection to a third party/service provider website while making use of the Platform.
3. Any amendments to the Privacy Policy shall reflect here with a new effective date. The User undertakes to update himself/herself of the Privacy Policy regularly to ensure that the User understand and complies with such updated Privacy Policy.

COOKIES

The User agrees that the Khub365 interactive website uses cookies to enable Khub365 to retrieve User details for each visit and to enable additional functionality of the Platform.

THIRD PARTY ADVERTISEMENTS AND LINKS
1. Khub365 may provide links to other websites for the User’s convenience. Khub365 does not take any responsibility or endorse any content displayed on such third-party websites. The User shall access such website at its own risk and Khub365 and will not be liable for their availability or for any loss or damage incurred by the User pursuant to the access to or use of such third-party websites.
2. The User acknowledges that the Platform may contain third party advertisement. Khub365 is not responsible for the content of any advertising material or any errors or inaccuracy in any advertising or sponsorship. Khub365 partners with third-party advertising companies to serve ads and/or collect certain information when the User visit the Platform. These third-party advertising companies may use cookies or web beacons to collect non-personally identifiable information not including your name, address, email address or telephone number while the User is accessing the Platform in order to help show advertisements on other websites likely to be more interesting to the User. The User hereby provides its consent for the above arrangement.

TERMS OF TRADE
1. The following conditions (in addition to, and to the extent these conditions are consistent with, any terms or conditions relating to the Services appearing elsewhere on our web pages or otherwise the subject of an agreement between the Parties) will be applicable to any User availing Services through the Platform:
  1. Any application of the User is an offer to avail the Services which Khub365 may accept, in whole or in part. Any acknowledgment of the User’s application is only to confirm receipt of transmission, notwithstanding that such acknowledgement might state or imply that such application has been accepted;
  2. Where the Services offered through the Platform are supplied by third parties, Khub365 is only an intermediary and will not responsible for such portion of the Services or their delivery;
  3. Unless otherwise stated, any fee payable by the User excludes any applicable service tax and delivery and insurance charges;
  4. The provision of Services to the User does not confer on the User any intellectual property rights (such as marks, designs, copyright or patents) inherent in the Services supplied;
  5. Services available through this Platform are subject to change at any time without any notice to the User. Services listed on the Platform may not be available immediately or at all.

FORCE MAJEURE

Khub365 shall not be liable for any delay, interruption or failure in the provision of Services and access and use of the Platform if caused by acts of God, declared or undeclared war, fire, flood, storm, slide, earthquake, power failure, the inability to obtain equipment, supplies or other facilities or any other events beyond the control of Khub365 that may prevent or delay the provision of Service or access and use to the Platform.

SEVERABILITY

If any provision of these Terms is found to be invalid or unenforceable under any applicable law, such provision will be ineffective to the extent of such invalidity or unenforceability, without affecting the remaining provisions of these Terms in any way.

AMENDMENT

Khub365 may, in its sole discretion, change or modify these Terms at any time, with or without notice to the User. Such changes or modifications shall be effective for all Users upon being published on the Platform. The User is responsible for reading the updated Terms from time to time to ensure that the use and access of the Services/Platform remains in compliance with these Terms.

AGE OF MAJORITY

Khub365 does not accept agreements and payments from persons below the legal age of 18 years. By submitting an application, the User confirms that he/she is over 18 years of age or the User’s parent or legal guardian have accepted these Terms on his/her behalf.

WAIVER

No waiver of any of the provisions of these Terms will be deemed to constitute a waiver of any other provision nor shall such a waiver constitute a continuing waiver unless otherwise expressly provided in writing and duly executed by the Party to be bound thereby.

ENTIRE AGREEMENT

These Terms as may be updated from time to time and published on www.knowledgehub365.com represent the complete agreement and understanding between the Parties with respect to the Service/the Platform and supersedes any other written or oral agreement between the Parties.

NOTICES

The User agrees that unless updated on the Platform, any notices required to be given under these Terms will be deemed to have been given if delivered by email or fax, or sent by registered mail or courier to each of the Parties in accordance with the contact information the User and Khub365 have updated on the Platform. All notices shall be effective upon receipt, except that email and fax notices shall be effective upon transmission.

GOVERNING LAW AND DISPUTE RESOLUTION

The rights and obligations of the Parties pursuant to these Terms are governed by the laws of Nigeria. For any dispute or difference, the User irrevocably and unconditionally submits to the non-exclusive jurisdiction of the Courts in Nigeria.

DISCLAIMER

The User agrees that in case the User requires specific advice for individual circumstances, the User will consult an appropriate expert directly and not rely on the general material on this Platform. Khub365 will endeavour to assist the User if the User specifically inquiries about matters in which Khub365 has expertise, but cannot accept any responsibility for doing this.

DISCLAIMER OF NOTICE

THIS PLATFORM AND ITS CONTENT ARE ONLY FOR THE NON-COMMERCIAL AND PERSONAL USE OF THE USER. KHUB365 MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS PLATFORM OR ITS CONTENTS, DOES NOT ASSUME RESPONSIBILITY FOR OR MONITOR CONTENT ON ANY PAGES/WEBSITES THAT ARE NOT PART OF KHUB365, AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY AND FITNESS FOR PURPOSE RELATING TO THIS PLATFORM AND/OR ITS CONTENT AND/OR ANY WEBSITE TO WHICH IT IS LINKED ARE HEREBY TO THE FULLEST EXTENT PERMITTED BY LAW EXCLUDED. NO REPRESENTATIONS OR WARRANTIES ARE GIVEN AS TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION PROVIDED ON THIS PLATFORM, OR ANY WEBSITE TO WHICH IT IS LINKED.
KHUB365 SHALL NOT BE RESPONSIBLE FOR ANY LOSS, LIABILITY, DAMAGE (WHETHER DIRECT, INDIRECT OR CONSEQUENTIAL), PERSONAL INJURY OR EXPENSE OF ANY NATURE WHATSOEVER WHICH MAY BE SUFFERED BY THE USER OR ANY THIRD PARTY AS A RESULT OF OR WHICH MAY ATTRIBUTABLE, DIRECTLY OR INDIRECTLY, TO THE USER’S ACCESS AND USE OF THE SERVICES AND ON ACCOUNT OF THE USER GIVING DELIBERATELY FALSE AND/OR MISLEADING INFORMATION TO AVAIL OF THE SERVICES. ENTERING THIS PLATFORM AND/OR REGISTRATION FOR SERVICES, AVAILING OF THE SERVICES FROM THIS PLATFORM WILL BE TAKEN AS THE USER’S UNDERSTANDING AND ACCEPTANCE OF THIS DISCLAIMER.
THE USE BY KHUB365 OF ANOTHER’S TRADE MARK ON THIS PLATFORM IS NOT OF ITSELF INTENDED TO INDICATE ANY ASSOCIATION WITH OR ENDORSEMENT BY OR OF THE OWNER OF THAT TRADE MARK.

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