The following terms of use (“Agreement”) govern your use of lidya.info (the “Site”) and/or any of the services (the “Services”) offered by Lidya (“Lidya”) on and through our Site, including use of any the Site’s information and data, and participation in any public areas which may exist in the Site (the “Public Areas”).
Please read the requirements of this Agreement carefully. Your use of the Site and/or any of the Services constitutes your agreement to comply with the terms of this Agreement. If you cannot agree to and comply with this Agreement and its requirements, you are expressly prohibited from use of the Site and/or the Services and must exit the Site.

Use of Site

You may view and use the Site and/or any information contained therein only in accordance with the terms of this Agreement. You may not modify, distribute, publish, license, create derivative works from, transfer or sell any information or content contained on the Site. The Site may be used only as contemplated by this Agreement. You agree to use the Site only for lawful purposes and you acknowledge that your failure to do so may subject you to civil and criminal liability all as determined by applicable law.If you wish to use our Services, you will need to provide us with certain information, including information about your identity, finances, and business performance. You will also need to create a user ID and a password to protect your account information. With your permission, we may also access your banking information, obtain a credit report, retrieve bank account data, or collect other third party data about you (collectively, the “Personal Information”).You may also invite friends or colleagues to use the Services through our referral program page. When you invite others to join Lidya by using our referral page, we send them a one-time email for that referral. By using our referral program, you warrant (i) to only send invitations to people you know; (ii) not to misrepresent your relationship with Lidya or make any warranty or representation on behalf of Lidya; and (iii) to comply at all times with this Agreement and applicable law.You may also invite clients to use the Services through our qualify program page. When you invite others to join Lidya by using our qualify page, we send them a one-time email for that referral. By using our referral program, you warrant (i) to only send qualify requests for people you know; (ii) not to misrepresent your relationship with Lidya or make any warranty or representation on behalf of Lidya; and (iii) to comply at all times with this Agreement and applicable law.As a registered user (“User”) of the Site, you represent and warrant that: (i) you are 18 years of age or older; (ii) the Personal Information is true, accurate, current and complete; (iii) you will maintain and update Personal Information to keep it true, accurate, current, and complete; and; (iv) the Personal Information belongs to you and does not infringe or violate any patents, copyrights, trademarks or other intellectual property, proprietary or privacy rights of any third party; and (v) you own or has obtain the right to all of the intellectual property rights subsisting in the Personal Information provided, and has the right to provide Lidya the license granted herein to the Information, (vi) the Company Information is true, accurate, current and complete; (vii) you will maintain and update Company Information to keep it true, accurate, current, and complete; and; (viii) the Company Information belongs to you and does not infringe or violate any patents, copyrights, trademarks or other intellectual property, proprietary or privacy rights of any third party; and (ix) you own or has obtain the right to all of the intellectual property rights subsisting in the Company Information provided, and has the right to provide Lidya the license granted herein to the Information.

Changes to Agreement and Additional Rules of Usage

Lidya reserves the right, at any time and without prior notice, to modify, alter or update this Agreement. The date of the most recent revision will appear on this page. Your continued access to the Site and use of the Services by you will constitute your acceptance of any changes or revisions to this Agreement. Lidya also reserves the right to post, from time to time, additional rules of usage that apply to specific parts of the Site, which may be posted in the relevant parts of the Site, and will be identified. Your continued use of the Site constitutes your agreement to comply with these additional rules.

Disclaimer

All information (hereinafter, the “Information”) posted on the Site is subject to change or removal without notice. Lidya may make changes to the materials, products, features and services available at the Site at any time without notice. You may not use the Information for any commercial purpose, including without limitation: (I) distribution (electronically or otherwise); (II) resale; or (III) display, etc.Information, Services, and other material available through the Site are furnished “As Is”, “at Your Own Risk” and “As Available”, without any warranty whatsoever. Although Lidya has attempted to provide accurate Information on the Site, Lidya assumes no responsibility for the accuracy, merchantability or completeness of the Information, Services or other material at the Site. The Information and all other materials on the Site are provided for general information purposes only and do not constitute professional advice of any kind.All other warranties, express or implied, including any warranties of merchantability, or non-infringement of intellectual property are specifically excluded and disclaimed. Lidya does not warrant that the Information will meet user’s requirements and that the operation of the Services will be uninterrupted or error free, or that the Site or the server that makes it available are free of viruses or bugs.Lidya’s obligations with respect to its products and services are governed solely by the agreements under which they are provided and nothing on the Site should be construed to alter such agreements. The materials and Services at the Site may be out of date and Lidya makes no commitment to update the materials and Services at the Site.

Limitation of Liability

In no event will Lidya, its suppliers, or other third parties mentioned at the Site be liable for any damages whatsoever (including, without limitation, those resulting from lost profits, lost savings, lost data, business interruption or other special, consequential or incidental damages) arising out of or relating to the use, inability to use, or the results of use of the Site, any websites or other content linked to the Site, or any materials, information, product or service contained at any or all such sites, whether based on warranty, contract, tort or any other legal theory and whether or not Lidya has been advised of the possibility of such loss or damages. If your use of the materials, Information or Services from the Site results in the need for servicing, repair of correction of equipment or data, you assume all costs thereof. For the avoidance of doubt, User is responsible for maintaining and protecting all of the information provided, transmitted, uploaded, imported or made accessible by using the Site. Lidya will not be liable for any loss or corruption of such information, or for any costs or expenses associated with backing up or restoring any of such information.

Privacy Policy

In addition to reviewing this Agreement, you should also review our Privacy Policy (“Privacy Policy”), which is incorporated by reference into this Agreement, to better understand how we collect and use personal information. Your use of the Site and the Services constitutes your agreement to its terms and conditions.

Intellectual Property

The Site, all information and intellectual property referenced on the Site, including, without limitation, patents, copyrights, logos, trademarks and trade secrets are legally owned by Lidya or third parties. These rights apply to the Information, computer code of the Site, graphical design, products, company names, etc. All contents of the Site are protected by copyright and trademark rights, except as specifically permitted herein.

Links to Third-Party Websites and/or Third Party Software Products

Links on the Site to third-party websites and/or software products (such as an invoicing or accounting software product that you are using) are provided as a convenience to you. If you use these links or software products, you might leave the Site. Some of the third parties software products may require you to have, and actually be signed-in to, an active user account for such third party software product.Lidya has not reviewed any of these third-party sites and/or the applications and/or software products and does not control and is not responsible and/or liable for any of these sites or their content. Thus, Lidya does not endorse or make any representations about them, or any information, software or other products or materials found on them, or any results that may be obtained from using them. If you decide to access any of the third-party websites and/or applications and/or software products linked to the Site, you do this entirely at your own risk and Lidya assumes no liability for such use.

Ownership of the Site and Information

The Site is expressly owned and operated by Lidya. Unless otherwise noted, the design and content features on the Site, including information and other materials, illustrations, product layout and design, icons, navigational buttons, images, artwork, graphics, photography, text, data, audio sound, software and the like, as well as the selection, assembly and arrangement thereof (collectively: the “Information”), are owned by Lidya or its affiliates or are licensed by Lidya from third parties. The Site, each as a whole and in part, and the Information is protected by copyright, trademark, service mark, trade name, and other intellectual property and other proprietary rights, and all other applicable rights are reserved and User shall abide by those laws. By furnishing Information, Lidya does not grant any licenses to or transfer any title rights for any copyrights, patents or any other intellectual property rights.

Site Availability

Lidya shall not be responsible for any disruption to the Site, regardless of length. Lidya will not be liable for losses related to User’s inability to access content due to disruptions of the Site. Lidya shall be excused from its performance of any obligations under this Agreement which are prevented or interfered with due to acts or conditions beyond the reasonable control of Lidya.

Indemnification

You agree to indemnify Lidya and its affiliates, directors, employees, agents, representatives and third party service providers, and to defend and hold each of them harmless, from any and all claims, actions, liabilities, damages, and costs (including attorney’s fees) (collectively, “Claims”) which may arise from your unauthorized use of the Site, Services or Information obtained through use of the Site and/or your breach of this Agreement. Lidya reserves the right to assume the exclusive control of any such defense of any such Claim.

The Security of the Site

We maintain physical, electronic, and procedural safeguards and personnel policies, consistent with applicable laws that are designed to guard the Site, our systems and Information provided by our Users. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. In the event of a breach of the confidentiality or security of your personal information, we will reasonably attempt to notify you as necessary so you can take appropriate protective steps. Unless you indicate otherwise, we may notify you under such circumstances using your most current email address on record with us.

Electronic Communications

When you visit the Site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically or posted on the Site satisfy any legal requirement that such communications be in writing if such requirements are applicable.

Jurisdiction and Governing Law

Lidya makes no representation that the content, the Information, or the Services offered through the Site are appropriate, available or legal in any particular location. Those who choose to access the content, the Information, and the Services offered through the Site do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.Those who access the Site from locations outside Nigeria are responsible for compliance with applicable local laws. Any claim relating to the Site or use of the Site or the Services will be governed by and interpreted in accordance with the laws of the The Federal Republic of Nigeria, without reference to its conflict-of-laws principles. Any dispute arising out of or related to your use of the Site will be brought in, and you hereby consent to the exclusive jurisdiction and venue in, the competent courts in Nigeria. You hereby agree to waive all defenses of lack of personal jurisdiction and forum non-conveniens and agree that process may be served in a manner authorized by applicable law or court rule. If any term or provision of this legal notice is for any reason held to be invalid, such invalidity shall not affect any other term or provision, and this legal notice shall be interpreted as if such term or provision had never been contained in this legal notice.The User understands and agrees that, in addition to monetary damages, Lidya shall be entitled to equitable relief where appropriate upon User’s breach of any portion of this Agreement.

Miscellaneous

User agrees that no joint venture, partnership, employment or agency relationship exists between User and Lidya as a result of this Agreement and/or User’s use of the Site. User may not assign any part of its rights and obligations under this Agreement without Lidya’s prior written consent. No waiver of any obligation or right of either party shall be effective unless in writing, executed by the party against whom it is being enforced. The terms of this Agreement are severable and may be construed to the extent of their enforceability in light of the parties’ mutual intent. The titles and subtitles in this Agreement are used for convenience only and are not to be considered in construing it.

General

Lidya may revise these Terms of Use at any time by updating this page on the Site and in such event your continued use of the Site, shall constitute your acceptance of such updated Terms of Use. Accordingly, you should visit this page from time to time to review the then-current Terms of Use because they are binding on you. Certain provisions of these Terms of Use may be superseded by expressly designated legal notices or terms located on particular pages at the Site.This Terms of Use Agreement is Effective as of: November 2nd, 2016.

Part II – Lidya Collect Terms and Conditions

This Terms and Conditions (the “Terms” or “T&C”) set out the terms governing your use of Lidya Global Limited’s (“Lidya” “us”, “we”, “our”) Collect Product (“Lidya Collect”).

You (“you”, “your”, “User”) agree that this T&C shall be binding on you once you accept the same for as long as you continue to use Lidya Collect or except as terminated in accordance with this Terms.

By ticking the “I agree to the Terms and Conditions” box, you hereby sign the Terms and indicate that you have read, understand, and agree to be bound by this Terms (as may be amended, supplemented, and varied from time to time).

From time to time, we may modify this Terms by giving you notice of such updates. You will not be able to use/access Lidya Collect until you have accepted any new terms and conditions. Your continued use of the Service constitutes your consent to the revised/updated Terms.

1) Definitions and interpretation

In this Terms, the following definitions apply:

“Account” means your User account created by you on Lidya Collect linked to your Lidya Wallet which is used to access the Service;

“Administrator” means an individual(s) authorised by you to have access to the Account to initiate and view transactions initiated on the Account;

“Applicable Law” means in respect of either Party, all laws, statutes, regulations, directions, guidelines and codes of conduct of any governmental or other regulatory body of competent jurisdiction, and any orders of any court or other tribunal of competent jurisdiction within Nigeria, which are applicable to the performance by that Party of its obligations or enjoyment of its rights under this Terms;

“Business Day” means a day other than a Saturday, Sunday or national or public holiday declared in the Federal Republic of Nigeria in which commercial banks are not open for business;

“BVN” means Bank Verification Number;

“Customer” means any person who has accessed any credit facility offered by the User, buys or subscribes to any goods or services offered by the User;

“Intellectual Property Rights” means patents, utility models, rights to inventions, copyright and neighbouring and related rights, trademarks and service marks, business names and domain names, rights in get-up and trade dress, goodwill and the right to sue for passing off or unfair competition, rights in designs, rights in computer software, database rights, rights to use, and protect the confidentiality of, confidential information (including know-how and trade secrets) and all other intellectual property rights, in each case whether registered or unregistered and including all applications and rights to apply for and be granted, renewals or extensions of, and rights to claim priority from, such rights and all similar or equivalent rights or forms of protection which subsist or will subsist now or in the future in any part of the world;

“Licenced Partner(s)” means the licensed financial institution or any third party  with whom Lidya has entered into partnership to provide the Service to you;

“Mandate” means the direct debit mandate authorising the Customer’s financial institution to debit the Customer’s bank account and credit the User towards the settlement of any loan repayment due from the Customer to the User;

“NDPR” means the Nigeria Data Protection Regulation 2019;

“Personal Data” means the definition under the NDPR;

“Prohibited Activities” means any activities prohibited by Applicable Law or by Lidya as detailed in this T&C or communicated to you from time to time;

“Request” means any request or instruction to Lidya and initiated by you on the Lidya Collect platform or by email;

“Service” means the use of Lidya Collect to automate the collection of any payments due to the User whether in the form of payments for goods and collection of services, or loan repayments by executing a Mandate on the User’s) bank accounts linked which have been with the User’s BVN;

“User” means any company who offers credit services to its Customers, sells or offers goods and services to the Customers;

“Wallet” means a unique dentification number assigned to the User and powered by the Licenced Partners.

2) Account

Registration

• In order to use the Service, you will need to register on Lidya Collect by creating an account which will be linked to your Wallet.
• To access your Account, you will create a unique password for your Account which you must keep confidential at all times.
• You will undergo a know-your-customer verification/onboarding process before you complete the process for the registration and creation of an Account. Lidya reserves the right to refuse to onboard you as a customer on the Lidya Collect platform.
• Subject to Clause 9, Lidya reserves the right to disable any Account and or passwords, at any time, if in Lidya’s reasonable discretion, you have failed to comply with any provision of this Terms.
• If you know or suspect that any unauthorised person has access to your Account login details, you should immediately notify Lidya at customers@lidya.info
• Other than your Administrator(s), you will not grant any third-party access to your Account. Notwithstanding any contrary provision in this T&C, you acknowledge and agree that if you allow any person to gain access to your password or login details, any Requests and transactions initiated on your Account will be deemed to have been authorized by you, even if they are unauthorized or fraudulent.
• Neither Lidya nor its Licenced Partners shall be responsible for the day-to-day monitoring of your Account or Requests, this shall be your responsibility.
• Lidya reserves the right to verify the information you provide to us.

Administrator

• When you sign up for an Account, you will nominate at least one (1) Administrator to manage or view transactions initiated on your Account.
• A unique user reference number would be generated for each Administrator and the Administrator shall also create a password to access the Account.
• You reserve the right to change your Administrator at any time; provided that where the number of Administrator is below the required minimum, you must notify us in writing promptly and designate another Administrator for your Once you notify us of your decision to remove an Administrator, we will immediately block the individual’s access to the Account.
• You are liable and responsible for the actions of your Administrator(s) on your Account.

3) Representations And Warranties

By accepting the Terms, you warrant and represent the following:

• you are a business entity that is duly registered and located in Nigeria;
• your organization is validly existing and in good standing in Nigeria;
• your organization is not engaged in anyProhibited Activity;
• all information you shall provide to us is true, current, and complete including information submitted as part of the onboarding/know-you-customer process;
• you shall take steps to maintain and promptly update your data to ensure that any information made available to us is true, accurate, current and complete;
• you have the legal capacity and authority to enter into binding contracts of this nature;
• you shall not use the Service for any purpose and in any way that is illegal, contrary to Applicable Law or prohibited by this Terms; and
• you have obtained all licenses, permissions, agreements, and other consents required to carry on your business or to be bound by this Term.

4) Use of the Service

You acknowledge and agree to ensure that your Administrator(s) shall not use the Service for any of the following:

• any transaction involving anyProhibited Activities;
• any illegal or illicit transactions;
• beyond the scope of the Service;

Notwithstanding anything contained in this Terms, you shall be liable and responsible for the actions or omissions of your Administrators in connection with the use of the Service.

You will provide us with timely instructions, information, and materials necessary for us to provide the Service to you.

Where applicable, you shall procure the Customer to sign the Mandate.

5) Third Party Content And Terms

• The Lidya Collect product may also include tools that enable you export information to third party services. You understand that by using such tools, you authorize Lidya to transfer that information to the applicable third- party service which are not under our control. To the fullest extent permitted by law, we are not responsible for any third-party service’s use of your exported information.
• The Lidya Collect product may also contain links to third-party websites or linked websites which are not under our control, you understand that we are not responsible for such content. We advise you to read the terms of use and privacy policy of any third-party services before you share your information with such third-party services as we have no control over the information once you share it with them.

6) Fees

• Lidya will provide the Service to you at the rates communicated to you from time to time in the pricing schedule share with you. The fees will cover the charges for any services connected with your Account.
• We reserve the right to revise the fees at any time upon giving at least seven (7) days’ advance notice or such shorter notice as is reasonably possible if the change to the fees is occasioned by the decision of our Licenced Partner(s), compliance with a new law or regulatory directive.
• You are responsible for any bank charges, or settlement operation cost (where applicable) incurred from your use of the Service as well as any taxes that are deductible for your use of the Service.
• In addition to the fees, you are also responsible for any penalties or fines imposed in relation to your Account resulting from your use of the Service in a manner not permitted by this Terms or any terms incorporated by reference. You agree to indemnify Lidya in respect of any such penalties or fines.
• All fees paid to us for our Service shall be non-refundable.

7) Data Protection

• You shall be responsible for obtaining the Customer’s requisite consent before sharing their Personal Data with us.
• You acknowledge that you and Lidya may each play the role of data controllers depending on the situation; you hereby agree to comply with all applicable data protection laws in respect of any Personal Data that will be processed when you use the Service in your capacity as data controller or data processor.
• Any Personal Data that we collect from you may be stored , transferred to, or processed by third party service providers to give effect to the Service. We will use all reasonable endeavors to ensure that all such third-party service providers maintain a level of protection that is comparable to our commitment under this Terms.
• You understand that any Personal Data you make available to us may be stored or processed outside of Nigeria by personnel who work for us in other countries, or by our third-party service providers or partners. Provided that such processing activity shall be done to the extent permitted under the NDPR.
• Notwithstanding anything contained in this Terms, we reserve the right to retain Personal Data for as long as may be necessary to comply with Applicable Laws including but not limited to anti money laundering and combating the financing of terrorism laws in Nigeria.
• You shall comply with the terms of our Privacy Notice incorporated by reference in this T&C.

8) Intellectual Property

• This T&C does not confer on, assign, or transfer ownership in Lidya Collect or any Intellectual Property belonging or licenced to Lidya to you. Lidya remains the owner of all Intellectual Property rights in Lidya Collect and all other Intellectual Property rights associated with Lidya.
• By this Terms, Lidya grants you a non-exclusive, non-transferable, revocable right to access the Service, provided that you comply with this Terms.
• Should you provide us with any recommendations, suggestions, comments, or other feedback relating to Lidya Collect or the Service (whether existing, suggested or contemplated), which is or may be subject to any Intellectual Property rights (“Feedback”), such Feedback shall be exclusively owned by Lidya. In addition, you (1) represent and warrant that such Feedback is accurate, complete, and does not infringe on any third party rights; (2) irrevocably assign to us any right, title and interest you may have in such Feedback and (3) explicitly and irrevocably waive any and all claims relating to any past, present or future moral rights, artists’ rights, or any other similar rights worldwide in or to such Feedback.

9) Suspension and Termination

• Lidya reserves the right to terminate this Terms at anytime upon giving the User fourteen 14 days’ notice in writing.
• Lidya may suspend or terminate this your access to the Service by closing your Account, if:
  • you breach any of this Terms;
  • the representation or warranty provided by you is found or reasonably suspected by Lidya to be untrue in any respect;
  • you become insolvent, enter into arrangement with your creditor(s) or a receiver is appointed for you.
• Lidya may immediately do any or all the following (without limitation):
  • issue a warning to you;
  • temporarily or permanently suspend your right to use the Service;
  • close your Account;
  • institute legal proceedings against you for reimbursement of all costs resulting from the breach (including, but not limited to, reasonable administrative and legal costs);
  • take further legal action against you; or
  • disclose such information to law enforcement/regulatory authorities as Lidya reasonably feels is necessary to do so.
• This T&C shall be terminated with immediate effect by either party by notice in writing to the other party if it becomes unlawful.
• Any provision of this Terms that expressly or by implication is intended to come into or continue in force on or after termination will remain in full force and effect.

10) Updates To The Terms

• We reserve the right to alter or amend these Terms. We will post such changes on our website, the Lidya Collect dashboard, or through any other means we deem fit. Your continued use of the Service after the changes will mean that you accept the change.
• Unless you are communicating with us about a matter where we have specified another notice address you may contact us using our contact information specifiedat the bottom of this Terms.

11) Information Security

• Confidentiality of your information is of utmost importance to us. We will use commercially reasonable efforts to protect and secure your information against unauthorised access, use or disclosure, unlawful processing, or accidental loss. Although we will use commercially reasonable efforts to protect your information, you however acknowledge that we cannot guarantee the integrity and accuracy of any information which you transmit to us. Nor can we guarantee that such information would not be intercepted, accessed, disclosed, altered, or destroyed by unauthorized third parties, due to factors beyond our control.
• You are responsible for keeping your Account details confidential and you must not share your password with anyone, and you must always maintain the security of the device that you use. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access. However, no security system is impenetrable, and we cannot guarantee that unauthorised parties will be unable to defeat our security measures or misuse any data in our possession. You provide your data to Lidya with the understanding that any security measures we provide may not be appropriate or adequate for your business.

12) Indemnity & Limitation Of Liability

• You agree to indemnify, defend, and hold harmless Lidya and its Licensed Partners (including our respective affiliates, directors, employees, agents, and representatives), from and against all losses, liabilities, claims, demands, or expenses, including reasonable attorney’s fees, arising out of or related to: your breach or alleged breach of this Terms; acts or omissions of Administrators, or other employees or agents of your organization; your actual or alleged infringement of a third party’s intellectual property rights; your use of third-party services; or claims or disputes between you and the Customers or any third party;.
• In no event shall Lidya be liable for damages to you for inaccuracies in any information or failure to notify you of or provide revisions in the information to you. In no circumstances shall Lidya be held liable for consequential, incidental, special, or indirect damages arising from including but not limited to the Service, loss of profit or revenue, whether such damages arise in contract, delict, under statute, at law or any other cause without limitation.
• Except where directly attributable to the fraud, wilful misconduct, grossly negligent acts or omissions of Lidya, Lidya shall ​not ​be liable for any​ damages, claims, costs, expenses, or losses whatsoever which may be suffered by you or its Customer.
• In no event shall Lidya’s liability total aggregate liability arising out of this T&C (whether in contract, tort, equity or for breach of statutory duty or otherwise) shall exceed the amount of fees paid by you to Lidya during the one-month period immediately preceding the event that gave rise to your claim for damages.
• Lidya shall not be liable for delay or failure in performance resulting from causes beyond our reasonable control.
• Notwithstanding anything to the contrary in this T&C, we will not be liable in the event of an infiltration of our systems where we have deployed reasonable efforts to prevent such infiltration.

13) Disclaimer

Lidya, and its Licensed Partners, provide the Service on an “as is” and “as available” basis and make no warranties or representations whether implied or express, including the warranties of merchantability, fitness for a particular purpose, quiet enjoyment, title, non-infringement, and warranties arising from a course of dealing, usage, or trade practice. Neither Lidya nor the Licensed Partners represent or warrant that the Service will be error-free or uninterrupted.

14) General

• This Terms, and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter shall be governed by and construed in accordance with the law of the Federal Republic of Nigeria.
• Each party irrevocably agrees that the courts in Lagos, Nigeria shall have exclusive jurisdiction to settle any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with this Terms or its subject matter or formation.
• You shall not assign, transfer, charge, subcontract, declare a trust over or deal in any other manner with any or all of your rights and obligations under this Terms without Lidya’s prior written consent.
• Lidya may at any time assign, transfer, charge, subcontract, novate, declare a trust over or deal in any other manner with any or all of its rights and obligation under this Terms.
• Lidya may publicly reference you as a customer on our website or in other communications during the term of our relationship. We will not express any false endorsement or partnerships. You hereby grant us a limited license to use your trademarks or service marks for this purpose. Please notify us if you prefer that we not identify you as its customer, and we will remove references to you on our website or in other communications.
• A waiver of any right or remedy under this Terms or by law is only effective if given in writing and shall not be deemed a waiver of any subsequent right or remedy.
• A failure or delay by a party to exercise any right or remedy provided under this Terms or by law shall not constitute a waiver of that or any other right or remedy, nor shall it prevent or restrict any further exercise of that or any other right or remedy. No single or partial exercise of any right or remedy provided under this Terms or by law shall prevent or restrict the further exercise of that or any other right or remedy.
• If any part of this Terms is held to be invalid or unenforceable in any jurisdiction, the invalidity and unenforceability of all remaining provisions contained in this Agreement shall not in any way be affected or impaired.
• Lidya shall not be liable for failure to perform, or for any delay in performing its obligations under this T&C if such failure or delay shall be due to acts of God, war, riot, civil commotion, weather, labour disputes, failure of sub-contractors or any other cause beyond its reasonable control.

15) Contact Us

If you have any questions about this Terms, please contact us at customers@lidya.info

Where you know or suspect that any unauthorized person has access to your Account login details or Account, you should immediately notify Lidya at customers@lidya.info