Terms of Service

1. Agreement to these terms

1.1 Parties

These Terms of Service (the "Terms") are entered into between you, either personally or on behalf of an entity ("you," "your," or the "Customer"), and Techforge Developers Limited, a private company limited by shares duly registered in the Federal Republic of Nigeria with registration number 8371716 and registered office at 27 Carter Street, Ebute Metta, Lagos, Nigeria ("Lintel," "we," "us," or "our").

1.2 Acceptance

By creating an account, clicking "I agree," entering an Order Form, accessing or using the Service, or otherwise indicating your assent to these Terms, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree, you must not access or use the Service.

1.3 Authority to bind

If you are accepting these Terms on behalf of an organization (such as a real estate agency, property developer, joint venture, partnership, or other entity), you represent and warrant that:

• You are duly authorized to accept these Terms on behalf of that organization;

• That organization is lawfully constituted and authorized to do business in the jurisdictions where it operates;

• Your acceptance binds that organization to these Terms as fully as if it had executed them under seal; and

• All references to "you" or "Customer" include both you personally and the organization on whose behalf you accept.

1.4 The Agreement

These Terms, together with the following documents, form the complete agreement between you and us (collectively, the "Agreement"):

• Our Privacy Policy (available at getlintel.org/legal/privacy)

• Our Acceptable Use Policy ("AUP," available at getlintel.org/legal/aup)

• Our Data Processing Addendum ("DPA," available at getlintel.org/legal/dpa)

• Our Subprocessors List (available at getlintel.org/legal/subprocessors)

• Any Order Form, plan description, written quote, or addendum we have agreed with you

• Any product-specific terms expressly referenced in or accepted alongside these Terms

Where there is any conflict between these documents, the order of precedence in Section 23.11 applies.

Plain English summary. This section establishes that these Terms are a contract between you and Techforge Developers Limited. By using Lintel, you agree to them. If you are signing up on behalf of your agency, you confirm you have authority to do so on the agency's behalf.

2. Definitions and interpretation

2.1 Definitions

In these Terms, the following terms have the following meanings, whether used in the singular or plural:

2.2 Interpretation

In these Terms, unless the context requires otherwise:

• Words in the singular include the plural and vice versa.

• References to any statute or statutory provision include that statute or provision as from time to time amended, replaced, or re-enacted.

• References to a "person" include natural persons, corporate bodies, partnerships, trusts, governmental authorities, and unincorporated associations.

• References to days mean calendar days, except references to "working days" or "business days," which mean any day other than a Saturday, Sunday, or public holiday in the Federal Republic of Nigeria.

• References to currency are to Nigerian Naira (NGN, ₦) unless otherwise specified.

• Headings are for convenience only and do not affect interpretation.

• Where examples are given (e.g. by use of "including" or "such as"), they are illustrative and not exhaustive.

3. About us and the service

3.1 Description of the Service

Lintel is a multi-tenant, cloud-based software-as-a-service platform that helps real estate agencies and property professionals manage their business operations. The Service includes, without limitation, the following functional capabilities:

• A client and prospect relationship management system;

• A contract authoring engine, electronic signature workflow, and tamper-evident audit trail;

• A property and listing inventory management system covering sales, rentals, and shortlet inventory;

• A shortlet booking management system, including calendar conflict detection, house-rules acceptance, and check-in / check-out workflows;

• A payments and installments ledger, including receipt generation, commission tracking, and overdue surfacing;

• Transactional and marketing email communications with engagement tracking;

• Multi-user role management and permissions enforcement;

• Dashboard reporting, search, exports, and activity audit logs.

3.2 Hosted nature of the Service

The Service is delivered as a hosted application accessed over the public internet. We do not provide on-premises installation, source code, executable binaries, or any rights to host the Service on infrastructure other than our own.

3.3 Continuous improvement

We continually maintain, refine, and enhance the Service. We may add features, modify existing functionality, remove features, change designs and workflows, or change underlying infrastructure at any time. We will use reasonable efforts to:

• Give you reasonable advance notice of any change that materially and adversely affects your use of the Service, unless the change is required by law, urgent security considerations, or operational necessity;

• Maintain backward compatibility for Customer Data exports during reasonable transition periods; and

• Make support documentation available to help you adapt to material changes.

3.4 Beta and preview features

We may from time to time make features available that are designated as "Beta," "Preview," "Early Access," "Experimental," or similar (collectively, "Beta Features"). Beta Features:

• Are provided on an as-is basis without any service commitment, warranty, or indemnity;

• May be unstable, contain errors, or become unavailable at any time;

• May be modified or discontinued by us at any time without notice;

• Are not subject to the limitation of liability cap applicable to the general Service (we have no liability whatsoever for Beta Features); and

• Should not be used in production-critical workflows without appropriate testing and fallback arrangements.

4. Eligibility and account registration

4.1 Who may use the Service

To use the Service, you must:

• Be at least 18 years of age and have full legal capacity to enter into binding contracts in your jurisdiction;

• Not be barred or prohibited from receiving the Service under any Applicable Law (including sanctions lists maintained by the Central Bank of Nigeria, the EFCC, the United Nations Security Council, the United States Office of Foreign Assets Control, the European Union, or the United Kingdom Office of Financial Sanctions Implementation);

• Be registering for legitimate business purposes related to real estate, property management, or directly related professional services;

• If registering on behalf of an organization, ensure that organization is lawfully constituted, in good standing with applicable regulators (including, for Nigerian companies, the Corporate Affairs Commission), and authorized to do business; and

• Comply with any Applicable Law governing the holding-out or practice of estate agency in your jurisdiction, including any licensing requirements under the Estate Surveyors and Valuers Registration Board of Nigeria (ESVARBON) or analogous state-level frameworks.

4.2 Account registration

To create an Account, you must provide accurate, current, and complete registration information. You must keep this information up to date and reflect any material changes (such as change of company name, address, ownership, or registration status) within a reasonable period.

4.3 Verification

We may verify your identity and the information you provide at any time, including by:

• Requesting copies of identification documents (National Identification Number, BVN, driver's licence, passport, or company registration documents);

• Using third-party identity verification, KYC, or AML screening providers;

• Searching public registries (such as the Corporate Affairs Commission's public records) for company information;

• Requiring you to complete additional verification steps for higher-risk transactions or higher-volume use; and

• Refusing service or suspending your Account where we cannot reasonably verify your identity or your eligibility.

4.4 Authorized Users

As an Agency, you may invite Authorized Users to access your Account in designated roles (such as administrator, manager, accountant, agent, or external marketer). Each Authorized User must use a separate Account; sharing of login credentials between persons is prohibited.

You are responsible for and undertake to ensure that:

• Each Authorized User uses the Service in accordance with these Terms, our AUP, and Applicable Law;

• Each Authorized User has agreed to confidentiality, acceptable-use, and other obligations consistent with these Terms;

• Access for each Authorized User is promptly revoked when no longer needed (in particular, on termination of their employment or engagement);

• You maintain accurate records of who is or has been an Authorized User; and

• You are liable for all acts and omissions of your Authorized Users as if they were your own, including any breach of these Terms.

4.5 Account security

You are responsible for safeguarding your Account credentials. You must:

• Choose strong, unique passwords for each Account;

• Not disclose your credentials to any third party (including our own staff, who will never ask for your password);

• Enable multi-factor authentication where it is offered;

• Log out of shared or public devices when finished;

• Update your password promptly if you suspect it has been compromised; and

• Notify us immediately at security@getlintel.org if you become aware of any unauthorized access, suspected breach, or other security concern.

You remain liable for all activity that occurs under your Account whether or not authorized by you, except to the extent it results from our breach of these Terms or our own negligence.

4.6 Refusal of registration

We reserve the right, at our sole discretion and without liability, to refuse to register any Account or to terminate or suspend any Account where:

• The information provided is incomplete, false, or misleading;

• The applicant or any associated person appears on a sanctions list or is the subject of regulatory enforcement action;

• We are unable to satisfy our own KYC, AML, or sanctions screening obligations;

• The use case is incompatible with the Service or with these Terms; or

• We reasonably believe that allowing the registration would expose us, our customers, or other users to legal, security, or reputational risk.

5. Subscriptions, plans, and trials

5.1 Plans

The Service is offered under several subscription plans, including a free tier and one or more paid tiers (such as Starter, Pro, and Business). Each plan has its own feature set, usage limits, and Fees. The current plan details are published at getlintel.org/pricing and may be changed from time to time in accordance with Section 22.

5.2 Free tier

We may offer a free tier with limited features and usage limits. The free tier:

• Is provided on an as-is basis, without service availability or support commitments;

• May be modified, restricted, or discontinued at any time without notice;

• Is subject to reasonable use limits to protect Service performance and other users;

• Does not entitle you to refunds, service credits, or compensation if discontinued; and

• Remains subject to these Terms in full, including liability, indemnity, and acceptable use provisions.

5.3 Free trial

We may offer a free trial of one or more paid plans. During the trial:

• You may use the trial plan's features without charge for the specified trial period (typically 14 days);

• We may require you to provide a payment method before starting the trial;

• At the end of the trial, your Account will either automatically convert to the relevant paid subscription and you will be charged, or revert to the free tier — as indicated when you signed up;

• You may cancel before the end of the trial to avoid being charged; and

• We may modify, shorten, or terminate any trial at any time, in which case you may continue on the free tier or migrate to a paid plan.

5.4 Plan changes by you

You may upgrade or downgrade your plan at any time through your Account settings or by contacting us. When you upgrade:

• The new plan and Fees take effect immediately;

• You will be charged a pro-rated amount for the remainder of the current billing period; and

• Subsequent billing cycles will be at the new plan's Fees.

When you downgrade:

• The new plan and Fees take effect at the start of the next billing period;

• You will not be entitled to a refund of any prepaid amounts for the current period; and

• If your usage at the time of the downgrade exceeds the lower plan's limits, we may apply Section 5.6.

5.5 Plan changes by us

We may change the contents and pricing of plans from time to time. Where a change to the plan you are subscribed to is materially adverse to you, we will give you at least 30 days' advance notice, and you may terminate your subscription before the change takes effect by following the cancellation procedure in Section 5.7.

5.6 Usage limits

Each plan has usage limits relating to (without limitation) Authorized Users, number of clients, number of properties, number of contracts, storage volume, and email sends. If you exceed the limits, we may:

• Notify you and request that you upgrade to a higher plan;

• Charge overage fees if expressly stated in the plan or Order Form;

• Restrict the creation of new records until you bring usage within the plan's limits; or

• Restrict access to features that depend on capacity (such as email sending) until usage is reduced.

We will not delete existing Customer Data solely because you exceed a usage limit. We will give you reasonable opportunity to upgrade or reduce usage before applying any restriction.

5.7 Cancellation

You may cancel your subscription at any time by:

• Downgrading to the free tier through your Account settings;

• Using any in-product cancellation flow; or

• Notifying us in writing at billing@getlintel.org with reasonable notice.

Cancellation takes effect at the end of the current billing period. You will continue to have access to the paid features until then, but you will not be charged for the following period. Cancellation does not entitle you to a refund of any Fees already paid, except where required by Applicable Law.

6. Fees, billing, and taxes

6.1 Fees

You agree to pay the Fees applicable to your plan, as set out on our website or in your Order Form. Fees are quoted in Nigerian Naira unless otherwise specified, and are exclusive of taxes (see Section 6.6).

6.2 Billing cycle

Unless your Order Form states otherwise, subscriptions are billed monthly in advance. The initial billing date is the date you activate the paid plan, and subsequent billings recur monthly on the same calendar day (or, if that day does not exist in the relevant month, the last day of the month). Annual or other billing cycles may be made available and are set out in the applicable Order Form.

6.3 Payment method

You authorize us, through our payment processor (currently Flutterwave, or another payment processor we designate from time to time), to charge your nominated payment method for all Fees due. You must keep your payment method valid and up to date. If your payment method changes (for example, due to expiration of a card), you must update it before the next billing date.

6.4 Automatic renewal

Your subscription automatically renews at the end of each billing period for a further period of the same length, unless you cancel before the renewal date. You can cancel at any time in accordance with Section 5.7.

6.5 Failed payments

If a charge to your payment method fails:

• We may retry the charge up to three times over a period of up to 14 days;

• We will notify you of the failure and ask you to update your payment method;

• If payment is not received within 7 days of the original due date, we may suspend access to paid features under Section 15;

• If payment is not received within 30 days of the original due date, we may terminate your subscription under Section 15; and

• The relevant data retrieval period under Section 16 will begin from the date of termination.

6.6 Taxes

Fees are exclusive of all applicable taxes, duties, levies, and government charges, including VAT, withholding tax, and any equivalent in other jurisdictions. You are responsible for paying all such taxes in addition to the Fees, except for taxes payable on our net income.

If you are required by Applicable Law to deduct or withhold any tax from any payment due to us, you must:

• Pay us such additional amount as ensures that we receive the full amount of the Fees net of any such deduction or withholding;

• Make the deduction or withholding and pay it over to the relevant tax authority within the time required by Applicable Law; and

• Provide us with appropriate evidence of the deduction or withholding (such as a withholding tax certificate from the Federal Inland Revenue Service or the equivalent state revenue authority).

6.7 Late payment

If we do not receive payment of any undisputed amount by the due date, we may:

• Charge interest on the overdue amount at the rate of 1.5% per month (or the maximum rate permitted by Applicable Law, whichever is lower), accruing from the due date until paid in full;

• Suspend your access to paid features (Section 15);

• Terminate your subscription (Section 15); and

• Recover from you all reasonable costs of collection, including legal fees and disbursements.

6.8 Disputed charges

If you believe we have billed you incorrectly, you must contact us at billing@getlintel.org within 60 days of the relevant invoice date, providing details of the dispute. We will investigate and respond within 14 working days. Pending resolution, you must continue to pay all undisputed amounts. Failure to raise a dispute within the 60-day window will be deemed acceptance of the invoice as correct, save for manifest error.

6.9 No refunds

Except where expressly stated in these Terms or required by Applicable Law, Fees are non-refundable. In particular, we do not provide refunds for:

• Partial use of a billing period (such as cancellation mid-month);

• Downgrades during a billing period;

• Failure to use the Service after activation;

• Account suspension or termination resulting from your breach of these Terms;

• Force Majeure Events affecting Service availability.

6.10 Adjustment to Fees

We may adjust Fees from time to time. We will give you at least 30 days' advance notice of any Fee increase, which will take effect from the next billing period. Continued use after the new Fees take effect constitutes acceptance. If you do not accept a Fee increase, your remedy is to cancel under Section 5.7 before the increase takes effect.

7. Your content and customer data

7.1 Ownership of Customer Data

You retain all right, title, and interest in and to your Customer Data. Nothing in these Terms transfers any ownership of Customer Data to us. We do not claim any ownership of Customer Data uploaded to or generated through the Service.

7.2 Licence granted to us

You grant us a worldwide, non-exclusive, royalty-free, sublicensable (to Sub-processors) licence to host, copy, transmit, store, process, display, modify (to the extent necessary to provide functionality), reformat, encrypt, decrypt, and otherwise use your Customer Data solely:

• To provide, operate, support, maintain, and improve the Service for you;

• To comply with your documented instructions, including those embedded in your use of features;

• To comply with Applicable Law and lawful regulatory or judicial requests;

• To prevent or address technical, security, fraud, or abuse issues;

• To enforce these Terms; and

• To create aggregated, anonymized, or de-identified statistics that do not identify you, your Authorized Users, your End Clients, or your organization.

The licence terminates on deletion of the relevant Customer Data, except for residual copies in backups during the retention period set out in our Privacy Policy.

7.3 Your warranties about Customer Data

You represent, warrant, and undertake to us on a continuing basis that:

• You own or are duly authorized to use, upload, and process the Customer Data through the Service;

• Your Customer Data does not and will not infringe the intellectual property, privacy, publicity, or other rights of any third party;

• Your collection, use, disclosure, and processing of personal data through the Service complies with the NDPA, the GDPR (where applicable), and all other Applicable Law;

• You have all consents, lawful bases, and authorizations required to upload Customer Data and to allow us to process it as data processor;

• Your Customer Data does not contain malware, viruses, or other harmful code; and

• Your use of the Service complies with all applicable estate agency, anti-money laundering, consumer protection, tax, and other regulatory requirements.

7.4 Your responsibility for Customer Data

You are solely responsible for the accuracy, quality, integrity, legality, and reliability of Customer Data, and for backing it up using the export tools provided. We are not liable for any loss, corruption, or compromise of Customer Data except to the extent caused by our breach of these Terms or our own negligence.

7.5 Data export and portability

During your Subscription Term, you may export your Customer Data in commonly used machine-readable formats (such as CSV, JSON, or PDF as appropriate) through tools provided in the Service. On termination, the data retrieval procedure in Section 16 applies.

7.6 Personal data and data protection roles

Where Customer Data includes personal data, the parties' roles are as follows:

• In respect of personal data about End Clients (such as tenants, buyers, guests, and prospects) uploaded by you to the Service: you act as the data controller and we act as the data processor.

• In respect of personal data about you and your Authorized Users (such as Account registration data, login data, support communications, billing data, and usage analytics): we act as the data controller as described in our Privacy Policy.

Our processing of personal data on your behalf is governed by the DPA, which forms part of these Terms by reference and applies automatically whenever you process personal data through the Service.

7.7 Aggregated and de-identified data

We may create aggregated, anonymized, or de-identified data from Customer Data (such as industry benchmarks, statistical analyses, machine-learning training data, and Service improvement insights). Such data does not identify you, your Authorized Users, your End Clients, or your organization, and we may use it for any lawful purpose, including for our own commercial purposes, without restriction.

8. Acceptable use policy

Your use of the Service is also governed by our Acceptable Use Policy ("AUP") at getlintel.org/legal/aup, which is incorporated into these Terms by reference. The provisions of this Section 8 supplement (and do not limit) the AUP. In the event of conflict between this Section and the AUP, the stricter restriction applies.

8.1 General prohibitions

You agree not to, and not to permit your Authorized Users or any third party to:

• Use the Service for any unlawful, fraudulent, deceptive, or harmful purpose;

• Violate any Applicable Law, including data protection, consumer protection, anti-money laundering, real estate regulation, taxation, competition, and securities laws;

• Infringe the intellectual property, privacy, publicity, contract, or other legal rights of any person;

• Use the Service to engage in any activity that violates the rights of, or causes harm or injury to, any person or property;

• Use the Service to send unsolicited marketing communications ("spam"), violate anti-spam laws (including the NCC's rules on unsolicited electronic messages), or send communications that misrepresent the sender, the purpose, or the content;

• Use the Service to impersonate any person or entity or misrepresent your affiliation with any person or entity;

• Use the Service to facilitate money laundering, terrorism financing, fraud, identity theft, market manipulation, or other financial crimes.

8.2 Technical restrictions

• Do not attempt to gain unauthorized access to the Service, other Accounts, our systems, or any related systems;

• Do not interfere with or disrupt the integrity or performance of the Service, the data it contains, or the experience of other users;

• Do not introduce viruses, worms, trojans, ransomware, spyware, adware, or other malicious code;

• Do not reverse engineer, decompile, disassemble, or attempt to derive the source code, underlying algorithms, or architecture of the Service, except to the extent expressly permitted by Applicable Law (and then only after written notice to us);

• Do not copy, modify, distribute, sell, lease, sublicense, or create derivative works of any part of the Service or its underlying technology, except as expressly permitted in these Terms;

• Do not use automated tools (such as scrapers, crawlers, bots, or harvesters) to access, copy, or extract data from the Service without our prior written consent;

• Do not exceed the usage limits applicable to your plan or impose an unreasonable burden on the Service infrastructure;

• Do not bypass, disable, attempt to circumvent, or otherwise interfere with any security, access control, or usage measurement features of the Service;

• Do not use the Service to build, train, fine-tune, or improve any artificial intelligence model, machine-learning system, or competing product without our prior written consent.

8.3 Content restrictions

• Do not upload content you do not have the right to upload;

• Do not upload content containing malware, exploits, or harmful code;

• Do not upload content depicting child sexual abuse material, terrorism, illegal violence, or other unlawful content;

• Do not upload sensitive personal data (such as racial or ethnic origin, religious beliefs, health information, biometric data, or genetic data) beyond what is strictly necessary for legitimate real estate purposes, and where you do, ensure you have obtained any required explicit consents or have another lawful basis;

• Do not use the Service to send phishing emails, scams, or fraudulent communications;

• Do not use the Service to defame, threaten, harass, intimidate, or stalk any person;

• Do not upload content that infringes copyright, trademark, design rights, or any other intellectual property right of any third party.

8.4 Real estate-specific obligations

As a real estate professional using the Service, you also agree that you will:

• Only list properties you have the legal right to market, lease, or manage;

• Provide accurate property descriptions, photographs, pricing, availability, and title status;

• Comply with all applicable estate agency regulation, including any licensing requirements administered by ESVARBON or the equivalent regulator in any jurisdiction where you operate;

• Comply with the Money Laundering (Prevention and Prohibition) Act 2022 and SCUML registration requirements applicable to real estate transactions;

• Conduct KYC and source-of-funds checks where required by Applicable Law;

• Disclose your role (as agent, broker, landlord, vendor, or otherwise) to your End Clients and obtain any required consents;

• Comply with applicable consumer protection laws and FCCPC consumer-rights requirements;

• Not misrepresent properties, terms, fees, or your authority in any communication generated through the Service.

8.5 Account-sharing prohibition

Each Authorized User must use their own Account. Sharing of credentials, swapping logins between multiple persons, or letting a single Account be operated by multiple people is prohibited and may result in suspension or termination.

8.6 Enforcement

We may, at our sole discretion and without liability to you:

• Investigate any suspected breach of this Section or the AUP;

• Suspend access to the Service or to particular features during an investigation;

• Remove offending content from the Service;

• Refuse to deliver any communication or block any transaction we believe is in breach;

• Terminate Accounts (with or without notice, depending on the severity of the breach); and

• Report matters to law enforcement, regulators, or affected third parties.

Where reasonably possible and consistent with the circumstances, we will give you notice and an opportunity to remedy a breach before taking enforcement action. Where the breach is serious, illegal, repeated, or creates immediate risk, we may act without notice.

9. Customer obligations as a data controller

When you use the Service to process personal data about End Clients, you are the data controller and we are the data processor in respect of that personal data. This Section sets out your obligations in that role; the DPA contains operational detail on how we process personal data on your behalf.

9.1 Lawful basis

You represent, warrant, and undertake that:

• You have a lawful basis under the NDPA (and, where applicable, the GDPR) to process all personal data you upload to or generate through the Service;

• You have provided all required transparency information to End Clients, including (where relevant) information about your use of Lintel as a processor;

• Where consent is the lawful basis you rely on, you have obtained valid, freely given, specific, informed, and unambiguous consent and can demonstrate this consent;

• You will not instruct us to process personal data in a manner that would breach the NDPA, the GDPR, or any other Applicable Law; and

• You will indemnify us against any claims by End Clients or regulators arising out of your failure to comply with this Section, in accordance with Section 19.

9.2 Transparency to End Clients

You are responsible for:

• Providing End Clients with a privacy notice that meets the requirements of Applicable Law;

• Informing End Clients that you use Lintel and similar service providers as data processors;

• Handling all requests from End Clients to exercise their data protection rights (access, rectification, erasure, objection, portability, restriction);

• Reporting any data breaches involving End Client data to the NDPC or other supervisory authority where required by Applicable Law (we will support you in this — see DPA);

• Conducting any data protection impact assessments that may be required for your processing activities.

9.3 Data Processing Addendum

The DPA forms part of these Terms by reference. It sets out:

• The subject matter, duration, nature, and purpose of our processing;

• The types of personal data and categories of data subjects;

• Sub-processor authorization, listing, and notification procedures;

• Security measures we implement;

• Assistance we provide for data subject requests and breach notification;

• Audit, deletion, and return-of-data provisions; and

• International transfer safeguards.

9.4 Sub-processors

By accepting these Terms, you authorize our use of the Sub-processors listed at getlintel.org/legal/subprocessors. We will:

• Maintain a current and accurate Sub-processors List;

• Notify you at least 14 days before any change to Sub-processors that materially affects your processing;

• Bind each Sub-processor to data protection obligations no less onerous than those in the DPA;

• Remain liable to you for the acts and omissions of each Sub-processor; and

• Provide a mechanism for you to object to new Sub-processors on reasonable grounds (your sole remedy if your objection is not resolved is to terminate the Agreement under Section 15).

9.5 International transfers

You acknowledge that personal data processed through the Service may be transferred to, stored in, and processed in countries outside Nigeria (including the United States, the European Union, the United Kingdom, and other countries where our Sub-processors operate). We implement appropriate safeguards for such transfers, including (as applicable) Standard Contractual Clauses, the UK International Data Transfer Agreement, or other lawful mechanisms approved under the NDPA, the GDPR, and the UK GDPR.

10. Electronic signatures and contracts

The Service includes features that allow you to create, send, sign, store, and retrieve contracts and other documents electronically (the "E-Signing Features"). This Section sets out specific terms for using these features and is in addition to a separate Electronic Signature Agreement (available at getlintel.org/legal/electronic-signatures), which is incorporated by reference.

10.1 Legal effect of electronic signatures

Electronic signatures and electronic records are recognized as having legal effect, validity, and enforceability under, among others:

• The Evidence Act 2011 of Nigeria, in particular sections 84 and 93 (admissibility of electronic records and authentication of digital signatures);

• The Electronic Transactions Bill of Nigeria (where in force) and any successor legislation;

• Regulation (EU) No 910/2014 on electronic identification and trust services for electronic transactions in the internal market (the "eIDAS Regulation"), in respect of relevant EU-based parties;

• The Electronic Communications Act 2000 (United Kingdom) and the Electronic Identification and Trust Services for Electronic Transactions Regulations 2016, in respect of relevant UK-based parties.

The legal validity, admissibility, and weight of any electronic signature in any specific transaction depends on a range of factors, including the type of document, the parties involved, the jurisdiction(s) of the parties and the transaction, and whether all relevant statutory and procedural requirements have been met. You are solely responsible for satisfying yourself, in respect of each transaction, that an electronic signature is lawful, appropriate, and effective for your purposes.

10.2 Documents that may not be signed electronically

Certain categories of documents cannot or should not be signed electronically, including (without limitation):

• Wills, codicils, and other testamentary instruments;

• Documents required by law to be sworn before a court, notary, or commissioner for oaths (including affidavits, where applicable);

• Documents required by law to be in physical form, signed in the presence of witnesses according to specific formalities, or registered in particular registries (such as certain land transfer instruments requiring Governor's Consent and stamp duty);

• Documents requiring notarization, attestation, or stamping where electronic equivalents are not yet recognized by the relevant authority;

• Documents prepared for use as exhibits in litigation, where the form and signature method may be challenged.

You are solely responsible for determining whether a given document may be lawfully and effectively signed using the E-Signing Features and for complying with any additional formal requirements (such as wet-signed counterparts, witnessing, stamping, or registration).

10.3 Authentication and audit trail

For each document signed through the E-Signing Features, we maintain an audit trail that may include:

• The signer's name and email address;

• The IP address and approximate geographic location at the time of signing;

• The browser and device details;

• Timestamps for each step (sent, viewed, signed, completed);

• The authentication method used (such as email link with token, password, or multi-factor authentication);

• Any text or images entered as the signature;

• A cryptographic hash of the document at the time of signing.

We retain the audit trail in accordance with our Data Retention Policy. The audit trail is intended to support, but does not by itself guarantee, the legal effectiveness or admissibility of an electronic signature in any particular dispute.

10.4 Your responsibilities

When using the E-Signing Features, you must:

• Ensure each signer is who they claim to be (we may provide tools to assist, but the responsibility is yours);

• Obtain any required consent to use electronic signatures (under Nigerian law, parties must generally consent to transact electronically);

• Provide signers with a meaningful opportunity to review the document before signing;

• Ensure the document reflects the actual terms agreed and that you have authority to sign or to invite others to sign;

• Provide signers with a copy of the signed document and the audit trail on request;

• Comply with any retention obligations for the signed document under Applicable Law (we retain for our standard period, but you may need to retain longer);

• Pay any stamp duty, registration fees, or other statutory charges applicable to the document.

10.5 Templates and sample clauses

Templates, sample clauses, model documents, and similar materials we make available through the Service are provided for convenience only. They:

• Do not constitute legal advice;

• Are not guaranteed to suit your specific circumstances, jurisdiction, or transaction;

• Should be reviewed and adapted by qualified legal counsel before use; and

• Are provided as-is, without any warranty as to their suitability, completeness, or legal effect.

We have no liability for the use of any template or sample without prior independent legal review.

10.6 No agency or principal

In providing the E-Signing Features, we act as a technology provider. We are not a party to any document signed through the Service, do not act as agent or attorney for any party, do not vouch for the identity or authority of any signer, and do not warrant the legal effect of any document.

11. Third-party services and integrations

11.1 Third-party services generally

The Service interoperates with or relies on third-party services, including payment processors, email delivery providers, cloud hosting providers, KYC verification providers, and identity providers. Your use of any third-party service is subject to that service's own terms and privacy policy. We are not responsible for third-party services, including:

• Their availability, performance, accuracy, or security;

• Their compliance with Applicable Law;

• Any acts or omissions of their operators; or

• Any harm, loss, or damage caused by them, except to the extent that they are our Sub-processors and our processor obligations under the DPA apply.

11.2 Payment processing

Payments under your subscription, and (where you use payment features) payments from your End Clients, are processed by Flutterwave or another payment processor we designate. When you provide payment information, you also agree to the payment processor's terms of service and privacy policy, and authorize us to share information with the processor as necessary to process payments, prevent fraud, and meet regulatory obligations.

11.3 Linked services

Where the Service allows you to link or integrate third-party services (such as Google Workspace, Microsoft 365, calendar applications, or other platforms), you authorize us to access and exchange data with those services on your behalf, subject to the permissions you grant. You are responsible for:

• Ensuring that the linking is lawful in your jurisdiction and consistent with your obligations to End Clients;

• Maintaining current credentials or tokens required for the integration;

• Reviewing and accepting the third-party's own terms; and

• Disconnecting any integration you no longer wish to use.

11.4 Marketplace and add-ons

If we make third-party add-ons, plugins, templates, marketplace offerings, or partner integrations available, those are provided on an as-is basis. They may be subject to additional terms and pricing imposed by their providers, and we make no warranty as to their performance, security, or fitness for purpose. You use them at your own risk.

11.5 Open-source components

The Service incorporates open-source software components, each of which is licensed under its own terms. Where required by the applicable open-source licence, attribution and licence text are available on request from legal@getlintel.org.

12. Intellectual property

12.1 Lintel intellectual property

As between you and us, we and our licensors own all right, title, and interest in and to:

• The Service, including the software, source code, object code, user interfaces, designs, layouts, screens, structure, sequence, and organization;

• The documentation, templates, guides, knowledge base content, and marketing materials;

• All trademarks, service marks, trade names, logos, and brand elements including the "Lintel" name and mark;

• All improvements, modifications, enhancements, customizations, and derivative works of the foregoing, however arising; and

• All know-how, methodologies, processes, techniques, and trade secrets embodied in the Service.

These items are referred to collectively as the "Lintel IP." Nothing in these Terms grants you any right, title, or interest in the Lintel IP except for the limited licence in Section 12.2.

12.2 Limited licence to use the Service

Subject to your compliance with these Terms and payment of all applicable Fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service during the Subscription Term, solely for your internal business purposes in connection with real estate operations.

12.3 Restrictions

In addition to the restrictions in Section 8, you must not:

• Use the Service or the Lintel IP except as expressly permitted in these Terms;

• Remove, alter, obscure, or interfere with any proprietary notices on the Service or in materials we provide;

• Use our trademarks, logos, trade names, or brand elements without our prior written consent, except as expressly permitted by these Terms;

• Use information gained from access to the Service to design, develop, build, market, sell, or assist in the design or development of any product or service that competes with the Service or any of its material features;

• Make any public statements, press releases, or marketing communications claiming or implying that you and we have a relationship beyond customer and provider, without our prior written consent.

12.4 Feedback

If you provide us with any feedback, suggestions, ideas, improvements, comments, or other input about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable licence to use, modify, exploit, and incorporate the Feedback for any purpose, without compensation or obligation to you. You waive any moral rights or analogous rights in respect of the Feedback to the extent permitted by Applicable Law. We are not required to use or implement any Feedback.

12.5 Trademarks

"Lintel" and the Lintel logo are trademarks of Techforge Developers Limited. All other trademarks, service marks, and trade names displayed on or through the Service are the property of their respective owners. Nothing in these Terms grants you a licence to use any trademark.

12.6 Your trademarks

You grant us a non-exclusive, royalty-free, worldwide licence to use, display, and reproduce your name, logo, and trade marks solely for the purpose of:

• Providing the Service to you (for example, displaying your branding on emails sent from your agency);

• Identifying you as a customer in our customer lists, case studies, and marketing materials (we will not publish specific case studies without your consent); and

• Complying with these Terms.

You may withdraw the case-study and marketing licence at any time by written notice to legal@getlintel.org.

13. Confidentiality

13.1 Definition

"Confidential Information" means any non-public information disclosed by one party ("Discloser") to the other ("Recipient") in connection with these Terms, whether orally, in writing, electronically, or by access to the Service, that is identified as confidential at the time of disclosure or that reasonably should be understood to be confidential given its nature and the circumstances of disclosure. Confidential Information includes (without limitation):

• Business plans, strategies, customer lists, financial information, pricing, and roadmaps;

• Product designs, source code, architecture, and security details;

• Customer Data and personal data;

• Trade secrets and proprietary know-how;

• The terms of any Order Form and any individually negotiated commercial terms.

13.2 Obligations

Each party agrees that, during the term of the Agreement and for a period of 5 years after termination (or, in the case of trade secrets, for so long as the information remains confidential):

• It will use the Discloser's Confidential Information only as necessary to perform its obligations or exercise its rights under these Terms;

• It will protect the Discloser's Confidential Information using at least the same degree of care it uses for its own confidential information of similar sensitivity, and no less than a reasonable standard of care;

• It will disclose Confidential Information only to its employees, contractors, advisers, and Affiliates who have a need to know and are bound by confidentiality obligations no less protective than this Section;

• It will be responsible for any breach of these obligations by persons to whom it discloses Confidential Information; and

• It will not, without the Discloser's consent, use Confidential Information for its own commercial purposes beyond what is contemplated by the Agreement.

13.3 Exclusions

Confidential Information does not include information that the Recipient can demonstrate:

• Is or becomes generally known to the public through no act or omission of the Recipient;

• Was already known to the Recipient before disclosure by the Discloser, without any obligation of confidentiality;

• Was received from a third party without breach of any obligation of confidentiality to the Discloser; or

• Was independently developed by the Recipient without reference to or use of the Discloser's Confidential Information.

13.4 Required disclosure

If the Recipient is required by Applicable Law, court order, or regulator to disclose Confidential Information, the Recipient will:

• Give the Discloser prompt written notice (to the extent legally permitted) before disclosing, so that the Discloser may seek a protective order;

• Cooperate reasonably with the Discloser to limit the scope of the disclosure;

• Disclose only the portion of Confidential Information that is legally required; and

• Use reasonable efforts to obtain confidential treatment for any disclosed Confidential Information.

13.5 Return or destruction

On termination of the Agreement, or earlier on request, the Recipient will (at the Discloser's option) return or destroy all Confidential Information in its possession or control, except:

• Copies retained for legal or regulatory record-keeping (which remain subject to confidentiality);

• Copies in backups that will be deleted in the ordinary course of overwriting; and

• In our case, Customer Data subject to the retrieval procedure in Section 16.

14. Service availability and support

14.1 Availability target

We will use commercially reasonable efforts to make the Service available 24 hours per day, 7 days per week, with a target uptime of 99.5% measured monthly, excluding:

• Scheduled maintenance (which we will, where reasonable, announce in advance);

• Emergency maintenance reasonably required to address security or performance threats;

• Outages caused by third-party services or networks we depend on (such as Supabase, Cloudflare, Resend, or Flutterwave);

• Outages caused by Force Majeure Events (Section 20);

• Outages caused by your acts, omissions, or systems (including misuse of the Service, exceeding usage limits, or your own connectivity issues).

Free-tier and trial users are not entitled to the availability target.

14.2 Service credits

Service credits, if any, for failure to meet the availability target are set out in an applicable Order Form. In the absence of express service credit terms, you have no entitlement to compensation, refund, or credit for unavailability, except where Applicable Law requires otherwise.

14.3 Support

Support is provided in accordance with the support level of your plan:

• Free tier: self-service via the help centre, with no guaranteed response time;

• Starter: email support with target response within 2 working days;

• Pro: priority email and in-app chat support with target response within 1 working day;

• Business: priority email, in-app chat, and named account contact with target response within 4 working hours during business hours.

Support is delivered in English, by reasonable means, during our published business hours. Response targets are not binding service levels, are subject to Force Majeure Events, and may be adjusted from time to time.

14.4 Maintenance

We may carry out scheduled maintenance during low-usage windows, typically between 00:00 and 06:00 West Africa Time. Where maintenance is expected to cause a Service interruption of more than 30 minutes, we will use reasonable efforts to give at least 48 hours' advance notice through in-product banners, email, or our status page.

15. Suspension and termination

15.1 Termination by you

You may terminate your subscription at any time in accordance with Section 5.7. Termination takes effect at the end of the then-current billing period. You will not be entitled to a refund of any prepaid Fees for the current period, except where required by Applicable Law.

15.2 Termination by us for cause

We may terminate the Agreement or suspend your Account, in whole or in part, with or without notice, if:

• You materially breach these Terms (including the AUP) and either the breach is not capable of cure or you do not cure the breach within 14 days of written notice;

• You fail to pay any undisputed Fees when due, and the failure continues for 14 days after notice;

• Your continued use of the Service poses a security, legal, regulatory, or reputational risk to us, the Service, or other users;

• You become insolvent, are wound up, enter into liquidation or administration, make an arrangement or composition with creditors, have a receiver or administrator appointed over your assets, or otherwise cease to do business in the ordinary course;

• You are placed on a sanctions list, are subject to regulatory enforcement that affects your ability to perform the Agreement, or fail KYC, AML, or sanctions screening;

• We are required to do so by Applicable Law, court order, or lawful regulatory direction.

15.3 Termination by us for convenience

We may terminate the Agreement for convenience by giving you at least 60 days' written notice. In that case, we will refund any prepaid Fees for the period after termination, on a pro-rated basis, as your sole compensation.

15.4 Termination for discontinuance

We may discontinue the Service in whole, or any plan or material feature, on at least 90 days' written notice. We will refund any prepaid Fees for the period after the discontinuance takes effect, on a pro-rated basis.

15.5 Suspension

Instead of, or in addition to, terminating, we may suspend your access to all or part of the Service in any of the circumstances above, or where reasonably necessary:

• To investigate suspected misuse, security incidents, or fraud;

• To comply with Applicable Law or a lawful direction;

• To protect the Service, our other customers, or third parties from harm;

• Where you are in dispute with us about Fees (limited to the disputed amount); or

• During scheduled or emergency maintenance.

Where reasonably possible, we will give you advance notice and an opportunity to remedy. Suspension does not relieve you of your obligation to pay Fees properly due.

15.6 No liability for termination or suspension

To the maximum extent permitted by Applicable Law, we are not liable to you or any third party for any termination or suspension carried out in accordance with these Terms. You are not entitled to compensation, refund, or credit on account of any such termination or suspension, except as expressly provided in these Terms.

16. Effect of termination and data retrieval

16.1 Effect of termination

On termination of the Agreement (for any reason):

• Your right to access and use the Service ceases immediately;

• All licences granted to you under these Terms terminate;

• All Fees accrued or due become immediately payable;

• Each party will return or destroy the other's Confidential Information as set out in Section 13.5; and

• Provisions of these Terms that by their nature should survive termination will survive, including Sections 2 (Definitions), 6 (Fees accrued), 7 (Data ownership), 12 (IP), 13 (Confidentiality), 16 (this Section), 17 (Disclaimers), 18 (Liability), 19 (Indemnity), 21 (Dispute resolution), 23 (General), and any other Section that expressly or by implication survives.

16.2 Customer Data retrieval

We will retain your Customer Data for 30 days after termination (the "Retrieval Period"), during which you may export it using the tools provided in the Service. Where access to the Service has been terminated such that export tools are not available, we will, on written request received during the Retrieval Period:

• Make Customer Data available to you in commonly used machine-readable formats; and

• Where the export request requires substantial work, charge a reasonable cost-based fee.

16.3 Deletion

After the Retrieval Period, we will delete or anonymize your Customer Data, subject to:

• Any legal retention obligations (such as records required by tax, anti-money laundering, or accounting law);

• The retention periods set out in our Privacy Policy and Data Retention Policy;

• Customer Data retained in backups, which will be deleted within the backup rolling window (typically 90 days); and

• Aggregated or anonymized data, which we may continue to use as described in Section 7.7.

We will provide written confirmation of deletion on request.

17. Disclaimers and warranties

Important. This Section limits the warranties we give. Please read it carefully. To the maximum extent permitted by Applicable Law, the Service is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise.

17.1 Disclaimer of warranties

Except as expressly set out in these Terms, we disclaim, to the maximum extent permitted by Applicable Law, all warranties of any kind, whether express, implied, statutory, or otherwise, including:

• Implied warranties of merchantability, fitness for a particular purpose, satisfactory quality, title, accuracy, completeness, system integration, quiet enjoyment, and non-infringement;

• Warranties that the Service will meet your requirements or expectations;

• Warranties that the Service will be uninterrupted, error-free, timely, secure, free from harmful components, or compatible with any other system;

• Warranties as to the accuracy, reliability, completeness, or currency of any content or information made available through the Service;

• Warranties that defects or errors will be corrected; and

• Warranties arising from course of dealing, usage of trade, or course of performance.

17.2 Specific disclaimers

Without limiting Section 17.1:

• We do not provide legal, tax, accounting, financial, regulatory, or other professional advice. Templates, sample documents, knowledge base articles, and similar materials are illustrative only and must be reviewed by qualified professionals before use;

• We do not guarantee that contracts, signatures, or other documents created or signed through the Service will be enforceable, admissible, or accepted in any particular court, registry, or dispute;

• We do not guarantee email deliverability; delivery depends on third-party email systems, recipient configurations, spam filters, and ISP behaviour outside our control;

• We do not guarantee that payment transactions will be authorized, settled, or completed; payment outcomes depend on payment processors, banks, card networks, and external authorities;

• We do not warrant the accuracy of any third-party content, data, or service displayed through the Service (such as title document scans uploaded by you or your End Clients);

• We make no representation that the Service is suitable, lawful, or available for use in any particular jurisdiction outside Nigeria.

17.3 No reliance on oral statements

You acknowledge that, in entering into these Terms, you have not relied on any oral or written statement, representation, warranty, or undertaking made by us or any of our agents except those expressly set out in these Terms. You waive all rights and remedies that, but for this Section, would be available in respect of any such other statement, except for liability for fraud or fraudulent misrepresentation.

17.4 Liabilities that cannot be excluded

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited under Applicable Law, including liability for death or personal injury caused by negligence, fraud, fraudulent misrepresentation, or any other liability that Applicable Law prohibits limiting.

18. Limitation of liability

Important. This Section limits our liability and yours. The limits are an essential part of the bargain between us. We would not provide the Service at the prices charged without these limits.

18.1 Exclusion of indirect losses

To the maximum extent permitted by Applicable Law, neither party will be liable to the other for any:

• Indirect, incidental, special, consequential, punitive, or exemplary damages;

• Loss of profits, revenue, business, savings, or anticipated savings;

• Loss of, corruption of, or damage to data (beyond the amounts payable under Section 18.2);

• Loss of business opportunity, contracts, customers, or goodwill;

• Loss of reputation or other intangible loss;

• Damages or losses incurred by reason of a third-party claim, except where covered by an express indemnity in these Terms,

arising out of or in connection with these Terms, the Service, or any related subject matter, however caused (including by negligence), even if the party has been advised of the possibility of such damages.

18.2 Aggregate liability cap

To the maximum extent permitted by Applicable Law, our total cumulative liability to you arising out of or in connection with these Terms, the Service, or any related subject matter, whether in contract, tort (including negligence), breach of statutory duty, misrepresentation, or otherwise, is limited to the greater of:

• The Fees you paid us for the Service during the 12 months immediately preceding the event giving rise to the claim; or

• NGN 100,000 (one hundred thousand Naira).

18.3 Application of the cap

The cap in Section 18.2 applies in aggregate to all claims arising out of or related to these Terms, the Service, or any related subject matter, not separately to each claim. Repeated breaches do not reset the cap.

18.4 Exclusions from the cap

The exclusions and limitations in this Section 18 do not apply to:

• Liability that cannot lawfully be excluded or limited under Applicable Law;

• Liability for death or personal injury caused by negligence;

• Liability for fraud or fraudulent misrepresentation;

• Your obligation to pay Fees properly due to us;

• Either party's indemnification obligations under Section 19; and

• Either party's breach of confidentiality obligations under Section 13.

18.5 Basis of the bargain

You acknowledge that the disclaimers in Section 17 and the limitations of liability in this Section 18 form an essential basis of the bargain between you and us. The Fees reflect the allocation of risk in these Terms. We would not provide the Service at the prices charged without these limitations.

19. Indemnification

19.1 Indemnification by you

You will defend, indemnify, and hold harmless Techforge Developers Limited, its Affiliates, and their respective directors, officers, employees, agents, and contractors (each, an "Indemnified Party") from and against any and all claims, demands, suits, proceedings, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable legal fees) arising out of or relating to:

• Your, or your Authorized Users', use of the Service;

• Your Customer Data, including any allegation that it infringes any third party's rights or violates any Applicable Law;

• Your breach of these Terms, the AUP, or any Applicable Law;

• Your handling of personal data of End Clients, including any data protection, privacy, or confidentiality claims;

• Disputes between you and any End Client, employee, contractor, agent, or other third party;

• Real estate transactions you facilitate using the Service, including disputes over property condition, title, fitness, payment, commission, or contract terms;

• Failure to comply with KYC, AML, sanctions, tax, or estate-agency regulatory requirements applicable to you;

• Tax liabilities or withholding obligations of yours that we are required to pay or that are assessed against us;

• Any claim that we breach Applicable Law as a result of acting on your instructions or processing your Customer Data.

19.2 Indemnification by us

Subject to Section 19.3 (Exclusions) and Section 19.4 (Process), we will defend you against any third-party claim alleging that the Service, when used in accordance with these Terms and Applicable Law, infringes a Nigerian, EU, UK, or US patent, copyright, registered trademark, or registered design right of the claimant, and will pay damages finally awarded against you by a court of competent jurisdiction (or settlement amounts approved by us).

19.3 Exclusions

Our indemnity in Section 19.2 does not apply to claims arising from:

• Your Customer Data;

• Modifications to the Service not made or authorized by us;

• Use of the Service in combination with anything not provided or authorized by us, where the infringement would not have occurred but for the combination;

• Use of the Service after we have notified you to stop, or after a non-infringing alternative is made available to you;

• Beta Features or other features expressly disclaimed;

• Failure to use the most current version of the Service made available to you; or

• Your settlement or admission of liability without our written consent.

19.4 Process

Each party's indemnity obligation is conditional on the indemnified party:

• Promptly notifying the indemnifying party in writing of the claim (failure to do so will excuse the indemnifying party only to the extent its position has been materially prejudiced);

• Giving the indemnifying party sole control of the defence and settlement of the claim (provided the indemnifying party will not settle any claim that admits liability of the indemnified party without its written consent);

• Providing reasonable cooperation, information, and assistance at the indemnifying party's expense; and

• Not making any admission, settlement, or compromise without the indemnifying party's prior written consent.

19.5 Remedies for infringement

If the Service is, or in our reasonable opinion is likely to become, the subject of an infringement claim covered by Section 19.2, we may, at our option:

• Procure for you the right to continue using the Service;

• Replace or modify the Service so that it is non-infringing while substantially preserving its functionality; or

• Terminate the affected subscription and refund any prepaid Fees for the unused portion of the Subscription Term.

This Section sets out your sole and exclusive remedy, and our entire liability, for any infringement claim.

20. Force majeure

20.1 Definition

"Force Majeure Event" means any event or circumstance beyond a party's reasonable control, including (without limitation):

• Acts of God, natural disasters, severe weather, earthquakes, floods, fires, and storms;

• War, hostilities (whether declared or not), invasion, civil war, civil unrest, riot, insurrection, terrorism, or threats of any of the foregoing;

• Acts of any government or public authority, including currency restrictions, expropriation, sanctions, embargoes, requisition, and import or export prohibitions;

• Strikes, lock-outs, or other industrial disturbances (other than those involving the party's own employees);

• Failures or shortages of energy, transport, telecommunications, banking services, or internet connectivity;

• Pandemics, epidemics, public health emergencies, and related restrictions;

• Cyberattacks, denial-of-service attacks, and ransomware events not caused by the affected party's own negligence;

• Failures of upstream service providers (such as Supabase, Cloudflare, Resend, Flutterwave, or relevant networks) caused by Force Majeure Events affecting them.

20.2 Effect

Neither party is liable for any failure to perform, or delay in performing, its obligations under these Terms to the extent caused by a Force Majeure Event. The affected party will:

• Notify the other party promptly of the nature and expected duration of the Force Majeure Event;

• Use commercially reasonable efforts to mitigate the impact and resume performance as soon as reasonably practicable;

• Keep the other party reasonably informed of progress; and

• Resume normal performance promptly after the Force Majeure Event ends.

20.3 Prolonged events

If a Force Majeure Event prevents a party from performing its material obligations for more than 60 consecutive days, the other party may terminate the Agreement on written notice with immediate effect. We will refund any prepaid Fees for the period after termination, on a pro-rated basis.

20.4 No relief for payment

A Force Majeure Event does not relieve you of your obligation to pay Fees properly due for periods before the Force Majeure Event began.

21. Dispute resolution and governing law

21.1 Governing law

These Terms, the Agreement, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with them, their subject matter, or formation, are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, excluding its conflict of laws principles.

21.2 Informal resolution

Before commencing any formal proceedings, the parties will attempt in good faith to resolve any dispute through informal discussion. To start informal resolution, the aggrieved party will give written notice to the other (to legal@getlintel.org in our case, or to your designated billing contact in your case), describing:

• The nature of the dispute;

• The relief sought; and

• The contact details of an authorized representative.

The parties will discuss the dispute in good faith for at least 30 days from the date of the notice.

21.3 Mediation

If the dispute is not resolved within 30 days through informal discussion, either party may, by written notice, refer the dispute to mediation under the Lagos Court of Arbitration Mediation Rules (or such other mediation rules as the parties agree). Mediation will:

• Be conducted in Lagos, Nigeria, in English;

• Be by a single mediator agreed by the parties, or, failing agreement within 14 days, appointed by the Lagos Court of Arbitration;

• Be confidential; and

• Continue for a maximum of 45 days from appointment of the mediator unless the parties agree otherwise.

21.4 Arbitration

If the dispute is not resolved by mediation, it will be referred to and finally resolved by arbitration under the Arbitration and Mediation Act 2023 of Nigeria, in accordance with the following:

• The arbitration will be conducted by a sole arbitrator appointed by agreement of the parties or, failing agreement within 21 days, by the Lagos Court of Arbitration;

• The seat of arbitration is Lagos, Nigeria;

• The language of arbitration is English;

• The arbitration will be confidential, and the award will be final and binding on the parties;

• Each party will bear its own legal costs; the arbitrator's fees and other costs will be shared equally unless the arbitrator orders otherwise.

21.5 Interim relief

Nothing in this Section prevents either party from seeking interim, injunctive, or equitable relief from any court of competent jurisdiction to:

• Prevent or restrain a breach of confidentiality, intellectual property rights, or the AUP;

• Compel performance of payment obligations; or

• Preserve property pending the outcome of mediation or arbitration.

21.6 Class action waiver

To the maximum extent permitted by Applicable Law, the parties agree that any dispute will be resolved on an individual basis and not as part of any class, collective, consolidated, or representative action. Neither party will participate in a class action against the other.

21.7 Limitation period

Any claim arising out of or related to these Terms or the Service must be brought within 1 (one) year after the cause of action arose. Claims brought after that period are barred, except where Applicable Law prohibits such limitation.

21.8 Jurisdiction

Subject to the arbitration provision in Section 21.4, the courts of Lagos State, Nigeria, have exclusive jurisdiction over any dispute that is not subject to arbitration (including applications for interim relief in support of arbitration and enforcement of arbitral awards). Each party submits to the exclusive jurisdiction of those courts and waives any objection to venue or forum non conveniens.

22. Changes to these terms

22.1 Right to change

We may update these Terms from time to time to reflect changes in our practices, the Service, Applicable Law, regulatory requirements, the security environment, or other factors.

22.2 Notice

When we change these Terms:

• We will update the "Effective date" at the top of these Terms;

• For material changes, we will give you advance notice by email to the address associated with your Account, by a notice in the Service, or by both, typically at least 30 days before the changes take effect;

• For non-material changes (such as clarifications, typo corrections, or expansions of detail that do not adversely affect you), the change may take effect on publication;

• Where required by Applicable Law, we will obtain your active consent before changes take effect.

22.3 Acceptance

Continued use of the Service after the effective date of any change constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and may cancel your subscription before the change takes effect.

22.4 Right to terminate

If a material change adversely affects you and you object within the notice period, you may terminate your subscription on written notice to billing@getlintel.org. In that case, we will refund any prepaid Fees for the period after termination, on a pro-rated basis, as your sole compensation.

23. General provisions

23.1 Entire agreement

The Agreement constitutes the entire agreement between you and us regarding the Service and supersedes all prior or contemporaneous agreements, communications, proposals, representations, and understandings (whether oral or written) regarding the same subject matter, except in respect of fraud or fraudulent misrepresentation.

23.2 Assignment

You may not assign, transfer, novate, or charge any of your rights or obligations under these Terms without our prior written consent (which we will not unreasonably withhold). We may assign, transfer, or novate these Terms, in whole or in part, without your consent:

• To any of our Affiliates;

• In connection with a merger, acquisition, reorganization, change of control, or sale of all or substantially all of our assets; or

• To any successor in interest in our business.

Any attempted assignment in violation of this Section is void.

23.3 Subcontracting

We may subcontract any of our obligations under these Terms, provided we remain responsible for the performance of the subcontracted obligations. Where subcontractors process personal data, the DPA's sub-processor provisions apply.

23.4 No partnership or agency

Nothing in these Terms creates a partnership, joint venture, employer-employee, fiduciary, or agency relationship between you and us. Neither party may bind the other or hold itself out as having such authority.

23.5 Notices

Notices to us must be sent to legal@getlintel.org, with a copy by registered post to our registered office. Notices to you will be sent to the email address associated with your Account or posted within the Service. Notices are deemed received:

• When sent (for email or in-Service notices);

• 5 working days after posting (for physical post within Nigeria); or

• 10 working days after posting (for physical post outside Nigeria).

23.6 Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce it later. A waiver is only effective if in writing and signed by an authorized representative of the waiving party. A waiver of any breach is not a waiver of any subsequent breach.

23.7 Severability

If any provision of these Terms is found by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable in any respect:

• The provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable, while reflecting as closely as possible the parties' original intent; and

• The remaining provisions remain in full force and effect.

23.8 No third-party beneficiaries

Except as expressly stated (such as the Indemnified Parties in Section 19), these Terms do not create any rights for any person other than you and us. The Contracts (Rights of Third Parties) Act and any analogous legislation in any other jurisdiction is excluded to the maximum extent permitted by Applicable Law.

23.9 Language

These Terms are in English. Any translation we provide is for convenience only, and the English version governs in case of any conflict or inconsistency.

23.10 Counterparts and electronic execution

These Terms may be accepted electronically. Acceptance by clicking "I agree," by continued use of the Service after notice, or by electronic signature has the same legal effect as a wet signature under Nigerian law (Evidence Act 2011) and applicable international frameworks.

23.11 Order of precedence

If there is any conflict between these Terms and another document forming part of the Agreement, the order of precedence (from highest to lowest) is:

• Any individually negotiated Order Form (only to the extent of the express conflict and only for that customer);

• The Data Processing Addendum (in respect of personal data processing only);

• These Terms;

• The Acceptable Use Policy;

• The Privacy Policy;

• Any other policy or document expressly incorporated by reference.

A more specific provision overrides a less specific one within the same document, unless that specific provision expressly states otherwise.

23.12 Headings

Headings and subheadings in these Terms are for convenience and reference only and do not affect interpretation.

23.13 Survival

Any provision of these Terms that by its nature is intended to survive termination will so survive, including the provisions identified in Section 16.1.

23.14 Cumulative remedies

Except where expressly stated otherwise, the rights and remedies in these Terms are cumulative and not exclusive of any rights or remedies provided by Applicable Law.

24. Contact us

If you have questions, concerns, or wish to give notice under these Terms, please use the contact details below:

We aim to acknowledge enquiries within 5 working days. For urgent matters, mark your communication as urgent in the subject line.

End of Terms of Service

Lintel · Version 2.0 · Effective 14 June 2026 · Techforge Developers Limited · RC 8371716

These Terms are provided as a template. We strongly recommend independent legal review before adopting them, particularly for your specific regulatory environment, customer base, and operational model.