Your access to and use of this site is subject to the following terms and conditions and all applicable laws. By accessing and using this site, you accept the following terms and conditions, without limitation or qualification.

Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are the property of Pensure. All trademarks used or referred to in this website are the property of their respective owners.

Nothing contained in this site shall be construed as conferring by implication, estoppel, or otherwise, any license or right to any copyright, patent, trademark or other proprietary interest of Pensure or any third party. This site and the content provided in this site, including, but not limited to, graphic images, audio, video, html code, buttons, and text, may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, without the prior written consent of Pensure, except that you may download, display, and print one copy of the materials on any single computer solely for your personal, non-commercial use, provided that you do not modify the material in any way and you keep intact all copyright, trademark, and other proprietary notices.

The information provided on this site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and Pensure except upon the submission and acceptance of an on-line application form. Links on this site may lead to services or sites not operated by Pensure. No judgment or warranty is made with respect to such other services or sites and Pensure takes no responsibility for such other sites or services. A link to another site or service is not an endorsement of that site or service. Any use you make of the information provided on this site, or any site or service linked to by this site, is at your own risk.

This site and its contents are provided "as is" and Pensure makes no representation or warranty of any kind with respect to this site or any site or service accessible through this site. Pensure expressly disclaims all express and implied warranties including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In no event will Pensure be liable to any party for any direct, indirect, incidental, special, exemplary, consequential, or other damages (including, but not limited to, lost profits, business interruption, loss of programs or data) without regard to the form of action and whether in contract, tort, negligence, strict liability, or otherwise, arising out of or in connection with this site, any content on or accessed through this site or any site service linked to, or any copying, displaying, or use thereof.

Pensure maintains this site in Nigeria and you agree that these terms of use and any legal action or proceeding relating to this site shall be governed by the laws of Nigeria. If you attempt to bring any legal proceedings against Pensure you specifically acknowledge that the applicable laws shall be Nigerian laws. As you have agreed by using this site to choose the laws of Nigeria to govern any such proceedings, it does not matter where in the world you are located, or from where in the world you visited this site.

You are responsible for complying with the laws of the jurisdiction from which you are accessing this site and you agree that you will not access or use the information on this site in violation of such laws. Unless expressly stated otherwise herein, any information submitted by you through this site shall be deemed non-confidential and non-proprietary. You represent that you have the lawful right to submit such information and agree that you will not submit any information unless you are legally entitled to do so. Because of the open nature of the Internet, we recommend that you not submit information you consider confidential except in accordance with the provisions and requirements of the Pension Reform Act of 2004.

Pensure does not accept unauthorized idea submissions outside of established business relationships. To protect the interests of our current clients and ourselves, we must treat the issue of such submissions with great care. Importantly, without a clear business relationship, Pensure cannot and does not treat any such submissions in confidence. Accordingly, please do not communicate unauthorized idea submissions to Pensure through this website. Any ideas disclosed to Pensure outside a pre-existing and documented confidential business relationship are not confidential and Pensure may therefore develop, use and freely disclose or publish similar ideas without compensating you or accounting to you. Pensure will make every reasonable effort to return or destroy any unauthorized idea submissions without detailed review of them. However, if a review is necessary in Pensure's sole discretion, it will be with the understanding that Pensure assumes no obligation to protect the confidentiality of your idea or compensate you for its disclosure or use. By submitting an idea or other detailed submission to Pensure through this website, you agree to be bound by the terms of this stated policy.