Citichoice Technology Ltd ("Citichoice", "Company", "we", "us", "our") is a global technology company incorporated in England and Wales (United Kingdom), the Federal Republic of Nigeria, and the United States of America. We operate the following platforms (collectively, the "Services"):
By accessing or using any of our Services, you confirm that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These documents together constitute the entire agreement between you and Citichoice regarding your use of our Services.
If you are using our Services on behalf of a business or organisation, you represent that you have the authority to bind that entity to these Terms, and "you" in these Terms refers to both you individually and that entity.
To use our commercial Services, you must:
If you are under 18, you may only use our Services with the direct supervision and consent of a parent or legal guardian who agrees to be bound by these Terms on your behalf.
To access certain features of our Services, you must create an account. You agree to provide accurate, complete, and current information during registration and to keep this information updated.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at security@citichoice.net if you suspect any unauthorised use of your account. We are not liable for any loss resulting from unauthorised use of your account.
You may not create multiple accounts for the same individual unless expressly permitted. We reserve the right to merge or close duplicate accounts.
Courses, subscriptions, and services are licensed to the registered individual or business account holder. Sharing account credentials to allow multiple people to access a single account is not permitted and may result in account termination without refund.
When you enrol in a course at Citichoice Institute, you receive a personal, non-transferable, non-exclusive licence to access the course content for the duration specified at the time of purchase. Course content is for personal learning purposes only. You may not share, reproduce, distribute, or commercially exploit course content in any form.
Certificates issued upon completion are digital records tied to your account. Blockchain-verified certificates are issued to the email address on your account. We cannot reissue certificates to different individuals or transfer certificates between accounts.
Engagement with Citichoice Developer for custom software, websites, or digital products is subject to a separate Statement of Work (SOW) or Service Agreement that will govern the specific project scope, timelines, deliverables, and payment terms. These Terms apply in addition to any such agreement. In case of conflict, the specific Service Agreement prevails.
When you engage Citichoice Agent for company registration, TIN, trademark, or other business compliance services, you confirm that all information provided is accurate and complete. You understand that Citichoice Agent acts as a facilitator — registration outcomes are subject to the decisions of the relevant regulatory authorities (e.g. CAC Nigeria). We are not responsible for rejection or delays caused by inaccurate information you provide or by regulatory authority processes.
Hosting services are subject to fair use. You may not use hosting services to distribute illegal content, send unsolicited bulk email (spam), host malware, or engage in any activity that violates these Terms or applicable law. We reserve the right to suspend or terminate hosting services immediately upon discovery of policy violations.
Products sold through Citichoice Store are subject to their specific product descriptions, availability, and the delivery terms stated at checkout. We make reasonable efforts to ensure product descriptions are accurate but do not warrant that descriptions are error-free.
We aim to keep our Services available 24/7 but do not guarantee uninterrupted access. We may temporarily suspend Services for maintenance, updates, security purposes, or reasons beyond our control. We will endeavour to provide advance notice of planned maintenance where possible.
All prices are displayed in Nigerian Naira (₦) unless otherwise stated. Prices are inclusive of applicable VAT/taxes where required. We reserve the right to change prices at any time, but changes will not affect orders already confirmed.
Payments are processed through third-party payment providers (Paystack, Flutterwave, Stripe, or similar). By making a payment, you agree to their terms and conditions. Citichoice does not store your full card details.
Physical products may be returned within 14 days of delivery if they arrive damaged, defective, or not as described. Return postage costs are covered by Citichoice in such cases. Change-of-mind returns are accepted within 7 days at the customer's cost, provided items are unused and in original packaging.
Hosting services are refundable within 30 days of initial purchase (money-back guarantee) for new customers. Domain registration fees are non-refundable once the domain has been registered with the registry.
Service fees are partially refundable before submission to the relevant authority. Once documents have been submitted to CAC or other regulatory bodies, service fees are non-refundable as costs have been incurred. Government filing fees are non-refundable in all cases.
If you believe an error has been made in billing, please contact us within 60 days at billing@citichoice.net. We will investigate and respond within 10 business days.
All content on Citichoice platforms — including but not limited to text, graphics, logos, icons, images, audio clips, video, course materials, software, and the compilation thereof — is the property of Citichoice Technology Ltd or its content suppliers and is protected by copyright, trademark, and other intellectual property laws in the UK, Nigeria, the US, and internationally.
The Citichoice name, logo, and all platform names (Institute, Developer, Agent, Host, News, Store, Farm, Food, Music, Events, Gig, Academy, University) are trademarks of Citichoice Technology Ltd. You may not use these marks without our prior written consent.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use our Services for personal, non-commercial purposes. This licence does not include the right to:
Content you create and post on our platforms (e.g. forum posts, project submissions, reviews) remains your property. By posting content, you grant Citichoice a worldwide, royalty-free, non-exclusive licence to use, display, and distribute that content in connection with our Services. You represent that you own or have the necessary rights to grant this licence.
If you post, upload, or submit any content to our platforms, you agree that your content will not:
We reserve the right to remove any user content that violates these standards without notice.
When using Citichoice Services, you agree not to:
Violation of these prohibitions may result in immediate account suspension, termination, and/or legal action.
Our platforms may contain links to third-party websites, services, or content. These links are provided for your convenience and information only. Citichoice does not endorse, control, or accept responsibility for any third-party content or services. Your interactions with third-party services are governed by those parties' own terms and privacy policies.
Our Services integrate with third-party tools including Google Sign-In, payment processors, and analytics providers. Your use of these integrations is subject to those providers' terms in addition to ours.
Our Services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.
We do not warrant that:
Some jurisdictions do not allow exclusion of implied warranties, so some of the above may not apply to you.
To the maximum extent permitted by applicable law, Citichoice Technology Ltd, its directors, employees, partners, agents, and affiliates shall not be liable for:
Our total aggregate liability to you for any claim arising out of or relating to these Terms or our Services shall not exceed the amount you paid to Citichoice in the 12 months preceding the event giving rise to the claim, or ₦50,000 (fifty thousand Naira), whichever is greater.
Nothing in these Terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded or limited under applicable law.
You agree to indemnify, defend, and hold harmless Citichoice Technology Ltd and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with:
You may close your Citichoice account at any time by contacting support@citichoice.net. Closure does not entitle you to a refund for any current subscription or service period. Course completion certificates already earned will remain valid regardless of account closure.
We reserve the right to suspend or terminate your account, with or without notice, if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if required to do so by law. In cases of serious violation (e.g. fraud, illegal activity), no refund will be issued upon termination.
Upon termination, your right to use our Services ceases immediately. Provisions of these Terms that by their nature should survive termination shall continue to apply, including intellectual property, disclaimer, limitation of liability, and governing law provisions.
These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.
For users in Nigeria: disputes may also be resolved under Nigerian law, and Nigerian users have the right to bring claims before Nigerian courts.
We encourage you to contact us first at legal@citichoice.net to resolve any dispute informally. If a dispute cannot be resolved informally within 30 days, it shall be referred to binding arbitration under the rules of the London Court of International Arbitration (LCIA), with proceedings conducted in English.
Nothing in this clause prevents either party from seeking urgent injunctive relief in any court of competent jurisdiction to protect intellectual property rights or confidential information.
We may update these Terms from time to time. When we make material changes, we will:
If you do not agree to the updated Terms, you must stop using our Services before the effective date. Continued use after the effective date constitutes acceptance of the updated Terms.
For any questions, concerns, or notices regarding these Terms of Use: