Terms of Use
Last Updated: August 2026
1. Acceptance of Terms
By accessing and using the website and services of Nay & Joe Risk and Tech Consulting (RC No. 9027131), you agree to comply with and be bound by these Terms of Use. If you do not agree with any part of these terms, you must not use our website or services.
2. Use of Services
Our website provides information regarding our risk management consulting, technology implementation, and proprietary models (such as RiskINTEGRA IFRS 9 ECL and ORRM). The content on this website is for general informational purposes only and does not constitute binding professional advice until a formal client agreement is executed.
3. Intellectual Property
All content, including but not limited to text, graphics, logos, software (including Risk Coach AI and other proprietary models), and digital brochures, is the intellectual property of Nay & Joe Risk and Tech Consulting. You may not reproduce, distribute, or create derivative works without our express written consent.
4. Limitation of Liability
Nay & Joe Risk and Tech Consulting shall not be liable for any indirect, incidental, special, or consequential damages resulting from the use or inability to use our website or general informational materials. Professional liability is governed strictly by executed client engagement letters.
5. Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Nigeria.