This User Agreement (“Agreement” or “User Agreement”) is a contract between you and Royal Exchange PLC and applies to your use of the Royal Exchange Web Portal/ platform, facilities and services operated by the Company and any related products and services. This Agreement affects your rights and you should read it carefully. We encourage you to print the Agreement or copy it to your computer’s hard drive for your reference.

In this Agreement, “you” or “your” or “User”means any person or entity using Royal Exchange Web portal/platform .

Unless otherwise stated, “Royal Exchange,” “we” or “our” will refer collectively to Royal Exchange PLC and its affiliates, directors, officers, employees, agents and contractors. Reference to . . .  shall include the  . . .   platform, facilities, services provided and offered in the  . . . electronically or digitally or on its intranet, or website, or via its wifi or physically within or outside its facilities or in collaboration with other service providers.


By clicking “I Agree”, “I Accept”; or by submitting your personal information at registration point to Royal Exchange or its accredited agent you agree to the terms and conditions of this Agreement, Royal Exchange Privacy Policy, and any documents incorporated by reference. You further agree that this User Agreement forms a binding agreement between you and Royal Exchange and that this Agreement constitutes “writing signed by you” under any applicable law or regulation. Any rights not expressly granted herein are reserved by Royal Exchange.


The terms stated here may be changed by Royal Exchange; and such changes will be posted on the its website in the “Policy Updates” section that is displayed to you when you log in to the website and there will be sufficient notice to the User. Any revised User Agreement is effective upon the user accessing this Web Portal Account.

 Access to the Services operated by Royal Exchange is available to members, clients and other users who accept the terms of this User Agreement (“Users”). Complete access to Royal Exchange Services is available to Users who register and set up a membership account (“Account”).


Access to the service requires a registration with current, complete and accurate information as prompted by the applicable registration. A successful registration is dependent on User acceptance of these Terms and Conditions. When accessing the Website, User will be required to provide the following information for registration:

User name

After successful registration, the User will receive a confirmation of User identification and password by the email.


User is solely responsible to maintain an appropriate email account and to promptly update all information and changes to its email account. User is solely responsible for any and all activities that occur under user’s account and for ensuring that the User exists or log-off from the User’s account at the end of each session of use. If User is conducting this session on a public computer or is otherwise using a computer to which multiple people have potential access, the User has to be sure to follow all relevant instructions and to ensure to be sufficiently disconnected or logged off the Web Portal and the computer system to prevent unauthorized access to User’s account.

Any access to the Services after successful registration require the specification of the user identification and the password



Materials in this website are copyrighted and all rights are reserved. Text, graphics, databases and other intellectual property are protected by Nigerian and International Copyright Laws, and may not be copied, reprinted, published, reengineered, translated, hosted, or otherwise distributed by any means without explicit permission. All of the trademarks on this site are trademarks of Royal Exchange or of other owners used with their permission.

Royal Exchange warrants, and you accept, that Royal Exchange is the owner of the copyright of the Databases of Links to articles and resources available from time to time through http://www…….com. Royal Exchange and its contributors reserve all rights and no intellectual property rights are conferred by this agreement.
Royal Exchange grants you a non-exclusive, non-transferable license to use database(s) accessible to you subject to these Terms and Conditions. The database(s) may be used only for viewing information or for extracting information to the extent described below.
You agree to use information obtained from Royal Exchange Web Portal databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or broking of information, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, reengineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise.
Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only, or is for use in your business only internally, on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.


The materials in this site are provided “as is” and without warranties of any kind either express or implied. Royal Exchange disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Royal Exchange does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Royal Exchange does not warrant or make any representations regarding the use or the results of the use of the materials on this site in terms of their correctness, accuracy, reliability, or otherwise.
Under no circumstances, including, but not limited to, negligence, shall Royal Exchange be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Royal Exchange or its authorized representative has been advised of the possibility of such damages.
Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within, is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive, and is limited to information that is made available to Royal Exchange and such information should not be relied upon as all-inclusive or accurate.


Royal Exchange collects and holds information about you when you complete an online application or other type of registration form, provide us with your email address; or access and use our services through our website or intranet. We also collect some statistical information about visitors, from our website (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded). Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website or intranet performance and continually improve our services.
Other than statistical information, we do not collect any information about you through our website or intranet unless you provide the information to us.
We ask you for personal data only when it is needed to provide the services you have enquired about or to respond to your request for information and also to improve the services that we offer. You do not need to provide us with personal data simply to browse our site.


Either Royal Exchange or User may terminate this Agreement at any time. Without limitation of the foregoing, Royal Exchange may immediately terminate User’s Account  in the event of any conduct by User which Royal Exchange, in its sole discretion, considers to be unacceptable or in breach of this Agreement or any applicable law or regulation or which does or may tend to expose Royal Exchange or any other content provider or licensor to any liability.


This Agreement and any operating rules and guidelines as advised by Chams constitute the entireagreement of the parties with respect to the subject matter hereof, and supersedes all previous written or oral agreements between the parties with respect to such subject matter.

This Agreement shall be construed in accordance with the laws of the Federal Republic of Nigeria. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The provisions herein are for the benefit of Chams, its affiliates, third party content providers and licensors and each of such shall have the right to assert and enforce such provisions directly on its own behalf.