Please read these Terms of Use carefully before accessing or using the Secuva website. By using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.
1. About Secuva
1. Secuva Advisory Limited (“Secuva”, “we”, “us”, or “our”) is an independent, fee-only insurance advisory firm registered in Nigeria and operating across Africa. Our registered address is Abuja, Nigeria.
2. Secuva provides insurance advisory services only. We do not manufacture, underwrite, or sell insurance products. We are not an insurer, broker, or agent.
3. Our website at www.secuvain.com (the “Website”) provides information about Secuva, our advisory services, and general educational content on insurance and risk management.
2. Acceptance of Terms
4. By accessing or using the Website, you confirm that you are at least 18 years old and have the legal capacity to enter into binding agreements.
5. These Terms of Use constitute a legally binding agreement between you and Secuva. We may update these Terms from time to time. Continued use of the Website after any updates constitutes your acceptance of the revised Terms.
6. These Terms apply to all visitors, enquirers, and clients who access the Website for any purpose.
3. Website Content Is Not Advice
Important: The content on this Website is provided for general information purposes only. It does not constitute insurance advice, financial advice, legal advice, or a recommendation to purchase or not purchase any insurance product.
7. General content on the Website — including articles, guides, and FAQs — is educational and informational in nature. It does not take into account your individual circumstances, business needs, or risk profile.
8. A formal advisory relationship with Secuva begins only when a written engagement agreement has been signed between you and Secuva. Any advice given outside a formal engagement is not covered by our professional advisory obligations.
9. Secuva does not guarantee that information on the Website is accurate, complete, current, or applicable to your specific situation. Insurance regulations, market conditions, and products change frequently.
10. You should not rely on Website content alone when making insurance or risk management decisions. We recommend engaging a qualified advisor — including Secuva on a formal basis if you wish — before making such decisions.
4. Permitted Use
11. You may use this Website for lawful purposes only. You agree not to:
(a) Use the Website in any way that violates applicable Nigerian laws, African regulations, or international law
(b) Attempt to gain unauthorised access to any part of the Website, our servers, or any connected systems
(c) Transmit unsolicited commercial communications, spam, or harmful code
(d) Reproduce, distribute, or commercially exploit Website content without our prior written consent
(e) Use automated tools, bots, or scraping software to extract data from the Website
(f) Impersonate Secuva, our staff, or any other person or entity
(g) Post or transmit false, misleading, or defamatory content
12. We reserve the right to restrict or terminate your access to the Website at any time if we reasonably believe you have violated these Terms.
5. Intellectual Property
13. All content on this Website — including text, graphics, logos, icons, images, audio, video, and software — is the property of Secuva Advisory Limited or its licensors and is protected by Nigerian and international intellectual property laws.
14. The Secuva name, logo, tagline “Insurance Reimagined,” and brand assets are trade marks of Secuva Advisory Limited. You may not use them without our prior written consent.
15. You may print or download content from the Website for your own personal, non-commercial use only. Any other use requires our written permission.
16. Content published on the Insights section of the Website is the original work of Secuva. You may share links to articles but may not reproduce full articles without attribution and prior written consent.
6. Third-Party Websites and Links
17. The Website may contain links to third-party websites, including those of insurers, regulators, industry bodies, or publications. These links are provided for your convenience only.
18. Secuva does not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party website. Visiting a linked website is at your own risk.
19. We are not responsible for the privacy practices of third-party websites. Please review their respective privacy policies before providing any personal information.
7. Contact Form and Communications
20. When you submit an enquiry through our contact form, you are not entering into a client relationship with Secuva. We will use your details solely to respond to your enquiry and to schedule an initial discovery call if appropriate.
21. A formal advisory engagement begins only when both parties have signed a written engagement letter or service agreement.
22. We aim to respond to all enquiries within one to two business days. Response times may vary.
23. By submitting a contact form, you consent to Secuva contacting you by email, phone, or WhatsApp in relation to your enquiry. You may withdraw this consent at any time by emailing hello@secuvain.com.
8. Fees and Service Engagement
24. Details of our fee structures are set out on the Pricing & How We Are Paid page of the Website. These are indicative only. Specific fees for any engagement will be agreed in writing before work commences.
25. Secuva operates primarily on a fee-only basis. Where commissions or referral fees arise in any engagement, we will disclose them to you in writing as required by applicable law and our own ethical standards.
26. Nothing on the Website constitutes a binding offer to provide services at any particular fee level. All engagements are subject to a formal written agreement.
9. Limitation of Liability
To the fullest extent permitted by applicable law, Secuva excludes all liability arising from your use of, or inability to use, this Website or its content.
27. Secuva shall not be liable for:
(h) Any loss or damage arising from your reliance on Website content that has not been provided as part of a formal advisory engagement
(i) Any indirect, consequential, special, or punitive loss or damage
(j) Any loss of business, revenue, profits, or data
(k) Any disruption, delay, or failure in the operation of the Website
(l) Any content posted on the Website by third parties
28. Nothing in these Terms limits or excludes liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
29. Where liability cannot be fully excluded, our total liability to you in connection with these Terms shall not exceed the amount paid by you to Secuva (if any) in the twelve months preceding the event giving rise to the claim.
10. Warranties and Website Availability
30. The Website is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the Website’s fitness for a particular purpose, accuracy, or uninterrupted availability.
31. We do not warrant that the Website will be free of viruses, malware, or other harmful code. You are responsible for implementing adequate security measures on your own device.
32. We may suspend, modify, or discontinue any part of the Website at any time without notice.
11. Indemnity
33. You agree to indemnify and hold harmless Secuva Advisory Limited, its officers, employees, and advisors from and against any claims, losses, damages, and expenses (including legal fees) arising from:
(m) Your use or misuse of the Website
(n) Your breach of these Terms
(o) Any content you submit through the Website
(p) Your violation of any applicable law or the rights of any third party
12. Governing Law and Jurisdiction
34. These Terms of Use are governed by and construed in accordance with the laws of the Federal Republic of Nigeria.
35. Any dispute arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Nigeria, unless Secuva agrees otherwise in writing.
36. Nothing in this clause prevents Secuva from seeking urgent injunctive or other equitable relief in any jurisdiction where it deems necessary.
13. Severability and Waiver
37. If any provision of these Terms is found to be unlawful, void, or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, or removed if modification is not possible. All other provisions shall remain in full force and effect.
38. Secuva’s failure to enforce any right or provision under these Terms does not constitute a waiver of that right or provision.
14. Contact Us
If you have any questions about these Terms of Use, please contact us:
Company: Secuva Advisory Limited
Email: hello@secuvain.com
Phone / WhatsApp: +234 (0) 803 070 2409
Address: Abuja, Nigeria
Website: www.secuvain.com