Ownership and Agreement
to Terms of Use

Noor Takaful reserves the right, at its sole discretion, to modify, add to, or remove any part of these Terms of Use at any time. It is your responsibility to review these Terms regularly for updates. Your continued use of the Site after changes are posted indicates your acceptance and agreement to those changes. Subject to your compliance with these Terms of Use, Noor Takaful grants you a personal, non-exclusive, non-transferable, limited rights to access and use the Site.

Except as expressly permitted in these Terms of Use, no part of the Site or its content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way (including "mirroring") to any other computer, server, website, or medium for publication, distribution, or commercial purposes without Noor Takaful's prior written consent.

Noor Takaful will collect and use your information only when we have a legitimate reason to do so. We will be transparent about our data collection and usage practices. Your information will be used for the purposes it was collected for and other related business activities, including third-party access as required by law, regulations, or court orders. You grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any intellectual property content in your information, such as photos and videos. You warrant that you own the rights to the content you provide and that our use of it will not infringe on any third-party rights. You can view our Privacy policy here - https://noortakaful.ng/privacy-policy.

Noor Takaful shall process and continually review and assess the quality of the information. Therefore, you are required to inform us of any change in your information to enable us to update our records accordingly. Your information would be subject to our Retention Policy and would be disposed of after the expiration of the retention period. Noor Takaful would observe any rights which you are entitled to under relevant privacy and data protection laws, which you pre-notified to us, and we will ensure that third-party requests relating to your information are treated in accordance with the laws and regulations for the time being in force. In the event that Noor Takaful outsources any processes relating to its business, it would ensure the has appropriate security measures in place and will contractually require them to comply with our privacy policy.

You may not use any automated tools or processes to access, acquire, copy, or monitor any part of the Site or its content, or to circumvent the Site's navigation or presentation. Noor Takaful reserves the right to prohibit such activities. You may not attempt to gain unauthorized access to any part of the Site or its connected systems or networks through hacking, password mining, or other illegitimate means. You may not probe, scan, or test the vulnerability of the Site or any connected network, nor breach its security measures. You may not trace or seek to trace information about other users or visitors to the Site, including any Noor Takaful account not owned by you. You agree not to overload the Site's infrastructure or Noor Takaful's systems or networks with excessive traffic. You may not interfere with the proper functioning of the Site or any transactions conducted on it, or with other users' access to the Site. You may not forge headers or manipulate identifiers to disguise the origin of any message sent to Noor Takaful through the Site or its services. You may not pretend to be someone else or impersonate any individual or entity. You may not use the Site or its content for any unlawful or prohibited purpose, or to solicit illegal or other prohibited activities.

You are responsible for the costs of your internet devices and access. You agree to indemnify and hold Noor Takaful harmless from any claims, liability, losses, costs, and expenses (including attorney's fees) arising from your use or alleged use of the website under your password, whether authorized or unauthorized. Noor Takaful is not responsible for the conduct or information of any website user, whether online or offline. You release us from any claims and damages arising from or connected to any claims you have against third parties. Noor Takaful not liable for lost profits or other consequential, special, indirect, or incidental damages arising from or connected to the website. Noor Takaful does not represent or endorse the accuracy or reliability of any content posted on interactive areas, and you acknowledge that relying on such content is at your own risk. The website may contain links to third-party sites. Noor Takaful is not responsible for the availability or content of those sites.

Noor Takaful owns the intellectual property rights to the website and its content. You may not distribute, redistribute, reproduce, commercially exploit, transmit, or store any part of the content in any form without our prior written consent.

Noor Takaful does not promise nor guarantee that the site or any content, service, or feature of the site will be error-free or uninterrupted, or that any defects will be corrected, or that your use of the site will provide specific results. The site and its content are delivered on an "as-is" and "as-available" basis. All information provided on the site is subject to change without notice. Noor Takaful cannot ensure that any files or other data you download from the site will be free of viruses or contamination or destructive features. Noor Takaful disclaims all warranties, express or implied, including any warranties of accuracy, non-infringement, merchantability, and fitness for a particular purpose. Noor Takaful disclaims any and all liability for the acts, omissions, and conduct of any third parties in connection with or related to your use of the site and/or any Noor Takaful's services. You assume total responsibility for your use of the site and any linked sites. Your sole remedy against Noor Takaful for dissatisfaction with the site or any content is to stop using the site or any such content. This limitation of relief is a part of the bargain between the parties. or implied, including any warranties of accuracy, non-infringement, merchantability, and fitness for a particular purpose. Noor Takaful disclaims any and all liability for the acts, omissions, and conduct of any third parties in connection with or related to your use of the site and/or any Noor Takaful's services. You assume total responsibility for your use of the site and any linked sites. Your sole remedy against Noor Takaful for dissatisfaction with the site or any content is to stop using the site or any such content. This limitation of relief is a part of the bargain between the parties.

The above disclaimer applies to any damages, liability, or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence, or any other cause of action.

Noor Takaful reserves the right to do any of the following, at any time, without notice:

1. To modify, suspend, or terminate operation of or access to the site, or any portion of the site, for any reason;
2. To modify or change the site, or any portion of the site, and any applicable policies or terms; and
3. To interrupt the operation of the site, or any portion of the site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.