Terms of Use

1. Acceptance of terms

By accessing or using everydaynaira.com ("the site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the site. These terms apply to all visitors, readers, and users of the site.

2. Nature of content

All content published on EverydayNaira is provided for general educational and informational purposes only. It is not intended to constitute, and should not be treated as, personalised financial advice, investment advice, legal advice, or tax guidance.

EverydayNaira is a publishing brand, not a licensed financial services provider, investment adviser, or legal practitioner. Reading or using this site does not create any form of adviser-client relationship between you and EverydayNaira.

You should not make significant financial decisions based solely on information found on this site. Where financial decisions involve meaningful risk, we encourage you to verify information with official sources — such as the Central Bank of Nigeria, NDIC, or your financial institution — and, where appropriate, to consult a qualified professional.

3. Intellectual property

All content on EverydayNaira — including text, illustrations, graphics, logos, layout, and code — is the property of EverydayNaira and is protected by applicable intellectual property law.

You may read, share links to, and quote brief passages from our content for non-commercial purposes, provided that you attribute EverydayNaira clearly and link back to the original page. You may not reproduce substantial portions of our content, republish articles in full on another platform, scrape the site for bulk content, or use our content for commercial purposes without prior written permission.

To request permission to use our content beyond normal fair use, please contact us through our Contact page.

4. Acceptable use

When using this site, you agree not to:

• Use the site for any unlawful purpose or in violation of any applicable Nigerian or international law.
• Attempt to gain unauthorised access to any part of the site or its infrastructure.
• Use automated tools to scrape, crawl, or harvest content or data from the site in bulk.
• Transmit any content through contact forms that is abusive, threatening, defamatory, or spam.
• Interfere with the proper functioning of the site or attempt to disrupt access to it.
• Impersonate EverydayNaira or its team in any communication or platform.

5. External links

EverydayNaira contains links to external websites, including official regulatory bodies, banks, fintech providers, and research institutions. These links are provided as a convenience and for informational purposes only.

We do not control the content, accuracy, or availability of external sites, and a link does not constitute an endorsement. We are not responsible for any content, products, or services offered by external sites. You access external sites at your own risk.

6. Accuracy and availability

We make reasonable efforts to ensure that the content on this site is accurate and up to date. However, financial information — including fees, interest rates, regulatory rules, and product terms — can change without notice. We cannot guarantee that all information is current at the time of reading.

We reserve the right to correct, update, or remove content at any time without notice. The site is provided on an "as is" basis and we make no warranties as to its continuous availability or fitness for any particular purpose.

7. Limitation of liability

To the fullest extent permitted by applicable law, EverydayNaira, its founders, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or special losses or damages arising from your use of, or inability to use, this site or its content — including any losses arising from financial decisions made in reliance on content found on the site.

This limitation applies regardless of the form of action — whether in contract, tort, negligence, or otherwise — and even if EverydayNaira has been advised of the possibility of such damages.

8. Changes to the site and these terms

We may update these Terms of Use at any time. When we do, we will revise the "last updated" date at the top of this page. Your continued use of the site after changes are posted constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

We may also change, suspend, or discontinue any aspect of the site at any time without notice or liability.

9. Governing law

These Terms of Use are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or related to these terms or your use of the site shall be subject to the jurisdiction of the Nigerian courts.

10. Contact

If you have questions about these Terms of Use, please contact us using the form on our Contact page.