Terms and Conditions

Welcome to premium.businessday.ng ("Website"). These Terms and Conditions ("Terms") govern your access to and use of premium content, services, and subscription features offered on the Website. By subscribing, browsing, or using our services, you agree to these Terms in full. If you do not agree, please refrain from using the Website.

1. Definitions

  • "We", "Us", "Our" refer to BusinessDay Media Limited, the owners and operators of premium.businessday.ng.
  • "You", "User" refers to any individual or entity accessing or using the Website.
  • "Content" means all articles, reports, research, data, and multimedia available on the Website.
  • "Subscription" means paid access to premium content under specific plans.

2. Eligibility

To subscribe to and use this Website:

  • You must be at least 18 years old, or the legal age of majority in your jurisdiction.
  • You agree to provide accurate and complete registration and payment information.
  • You agree not to impersonate another person or create false accounts.

3. Account and Security

  • You are responsible for maintaining the confidentiality of your login credentials.
  • You agree to notify us immediately of any unauthorized use of your account.
  • We reserve the right to suspend or terminate accounts found in breach of these Terms.

4. Subscription and Billing

  • Access to premium content requires a valid paid subscription.
  • By subscribing, you authorize us to charge your payment method at the agreed intervals (e.g., monthly, annually).
  • Subscriptions are automatically renewed unless canceled before the next billing cycle.
  • All fees are non-refundable once content has been accessed. (See our Refund Policy.)

5. Intellectual Property

All content on the Website is the exclusive property of BusinessDay Media Limited or its content providers. Content is provided for personal, non-commercial use only. You may not reproduce, distribute, publish, modify, or create derivative works from our content without express written permission.

6. Content Access and Limitations

  • We make reasonable efforts to ensure uninterrupted access to content. However, access may be restricted or interrupted for maintenance, upgrades, or force majeure events.
  • We may update, modify, or remove content without prior notice.
  • Access may be limited by geography or device in some circumstances.

7. Acceptable Use

You agree not to:

  • Share login credentials with others,
  • Attempt to bypass paywalls or access content illegally,
  • Scrape, copy, or download content in bulk,
  • Use our platform for fraudulent, illegal, or harmful purposes.

8. Privacy Policy

Your use of the Website is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data. By using our Website, you consent to the practices described therein.

9. Termination

We reserve the right to:

  • Terminate or suspend your access at any time for violation of these Terms,
  • Refuse service to anyone for any reason at our discretion.

10. Disclaimer of Warranties

All content is provided "as is" without warranties of any kind. While we strive for accuracy and reliability, we do not guarantee:

  • The completeness or accuracy of content,
  • That access will be uninterrupted or error-free.

11. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for any indirect, incidental, or consequential damages,
  • Our total liability shall not exceed the subscription fees paid in the last six (6) months preceding the claim.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

13. Changes to Terms

We may update these Terms at any time. Changes become effective upon posting. Your continued use of the Website after such changes constitutes acceptance.

14. Contact Information

For any questions about these Terms, contact:

BusinessDay Media Limited
Email: support@businessday.ng
Phone: +234-806-026-9434
Address: 6A George Street, off Mobolaji Johnson Street,
Ikoyi, Lagos, Nigeria.
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