Terms and Conditions

Any person or group of persons who access or rely on this Website or the information contained herein does so at their own risk. By accessing this Website, you are deemed to have read and agreed to the following terms and conditions. These terms and conditions become effective upon your first access of this Website. The Company reserves the right to change these Terms and Conditions at any time. It is your responsibility to review the current version of these Terms upon each visit. If you do not agree with these Terms, please do not use this Website. In these Terms and Conditions, "Client", "You" and "Your" refer to you, the person accessing this Website and accepting the Company's Terms and Conditions. "The Company", "Ourselves", "We" and "Us" refer to Quest Merchant Bank Limited and its subsidiaries. Any use of the above terminology or other words in the singular, plural, capitalisation and/or he/she or they, are taken as interchangeable and therefore as referring to same. You are strictly prohibited from unauthorised use of our systems or this Website, including but not limited to unauthorised entry into our systems, misuse of passwords, or misuse of any information posted to this Website. You should read these Terms of Use alongside our Privacy Policy.

While Quest Merchant Bank attempts to ensure that the information on this Website is accurate, current, complete, fit for its intended purpose and compliant with the relevant Nigerian legislation and regulations as at the time of access, this site and the online services are provided "as is". The Company makes no representation or warranty, whether express or implied, as to the accuracy, completeness or reliability of any information contained on this Website.

Information provided by you shall be kept confidential and not be used or disclosed in any manner incompatible with the purposes for which they are held. However, you acknowledge that the Company may disclose such information to affiliates of the Company, agents, and information providers, or if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate. By using this Website, you agree that such transfers may take place.

Your use of the products and services on this Website may be monitored by the Company and the resultant information may be used by the Company for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organisation. By using this Website, you expressly consent to such monitoring, tracking and recording.

You may store, display, analyse, modify, reformat, and print the information made available to you via these services for your own use only. You are by no means permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of Quest Merchant Bank. You may not alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information. The Company reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgement to add, modify, or remove any of the information without recourse to you. These Terms and Conditions do not transfer any rights to you other than those expressly described herein; all rights not expressly granted are automatically reserved by Quest Merchant Bank or any third-party information providers. You should regularly review the revised Terms and Conditions concerning information generated by the Company or its third-party information providers. Such providers assume no liability for any monetary damages arising from the information provided.

Quest Merchant Bank makes no warranty whatsoever to you, express or implied, regarding the security of the site, including with respect to the ability of unauthorised persons to intercept or access information transmitted by you through this service. Additionally, no warranties are made that files available for download from this Website are free from viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system or device. You accept all risk associated with the existence of such viruses, destructive materials or any other data or code.

Quest Merchant Bank makes no warranty, express or implied, concerning this service. The services provided by us are on an "AS IS" basis at your sole risk. The Company expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including but not limited to any warranties regarding accuracy, quality, completeness, or continued availability. Neither Quest Merchant Bank nor any of its third-party information providers shall have any responsibility to maintain the data and services made available on this Website or to supply any corrections, updates, or releases in connection therewith. The availability of data and services is subject to change without notice. Past performance is not necessarily a guide to future performance. There can be no assurance that comparable results will be achieved in the future. Unit values and investment income may go down as well as up, and investors may not recover the original amount invested. Changes in exchange rates may also affect the value of offshore investments. Prospectuses and offering documents contain full details of the products.

Content on this Website is for informational purposes only, without regard to any particular user's investment objectives, financial situation, or means, and Quest Merchant Bank is not soliciting any action based upon it. The information on this Website is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation would be illegal.

The fact that Quest Merchant Bank has made the data and services provided on this Website available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product described on this Website is suitable or appropriate for you. Many of the products described on this Website involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or a complete discussion of the risks which are mentioned. You should not construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice, nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.

Copyright and other relevant intellectual property rights exist on all text relating to the Company's services and the full content of this Website. All rights are reserved.

You shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed to access and use this Website. Access to this Website may from time to time be unavailable, delayed, limited or slow due to, among other things: hardware failure, including among other things failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment; software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or their content; overload of system capacities; damage caused by severe weather, earthquakes, wars, insurrection, riots, terrorism, civil commotion, an act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters; interruption of power supplies or other utility service; strike or other stoppage (whether partial or total) of labour; governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of the Company. If access to this Website is unavailable, delayed or limited, or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed, or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with us, and such communications are disrupted or delayed, you may suffer losses. Quest Merchant Bank shall not be liable for any such loss.

This service may provide links to certain Internet sites (the "Sites") sponsored and maintained by third parties. Quest Merchant Bank is providing such links solely for convenience to you. Accordingly, Quest Merchant Bank makes no representations concerning the content of the Sites. We do not monitor or review the content of other party's Sites which are linked to from this Website. Opinions expressed or materials appearing on such sites do not constitute an endorsement by us and should not be regarded as the publisher of such opinions or materials. Please be aware that we are not responsible for the privacy practices, or content, of these sites. We encourage you to be aware when you leave our site and to read the privacy statements of these sites. You should evaluate the security and trustworthiness of any other site connected to this site or accessed through this site yourself, before disclosing any personal information to them. The Company will not accept any responsibility for any loss or damage in whatever manner, howsoever caused, resulting from your disclosure to third parties of personal information.

Quest Merchant Bank shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between the Company and you, regardless of whether the connection or communication service is provided by the Company or a third-party service provider. Quest Merchant Bank shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the data and services available on this Website or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service. In no event shall the Company be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of you using the data or services made available on this Website, even where the Company has been advised of the possibility of such damages. Quest Merchant Bank shall have no responsibility to inform you of any difficulties experienced by the Company or third parties with respect to the use of the services or to take any action in connection therewith.

In the event any of the terms or provisions of these Terms and Conditions shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms and Conditions shall be subject to any other agreements you have entered into with the Company. Your access to and use of this Website, and these Terms and Conditions, are governed by the laws of the Federal Republic of Nigeria without regard to the conflict of law provisions. You consent to the personal and exclusive jurisdiction of the courts located within Lagos State of Nigeria.

The Company's failure to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision or prevent a subsequent enforcement of that or any other right or provision. No waiver of any of the provisions of this or any agreement shall be effective unless it is expressly stated to be such and signed by both parties.

Quest Merchant Bank may in its sole discretion terminate, suspend and/or modify the contents of this Website with or without notice to you. The Company reserves the right to terminate, suspend and/or modify these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. You agree that Quest Merchant Bank, its affiliates or subsidiaries shall not be liable to you in the event that it chooses to terminate, suspend or modify this Website or your use of this Website. This Website is issued or approved by Quest Merchant Bank Limited which is authorised and regulated by the Central Bank of Nigeria.