Terms of Service

Legal Entity.

This website and all associated digital platforms (collectively, the “Platform”) are owned and operated by SME Pantry Ltd, a Limited Liability Company, organized under the laws of the Federal Republic of Nigeria.

For convenience, the company may trade under the name SME Pantry (“we,” “us,” “our”).

Contact Information.

Primary Website: https://www.smepantry.com
Email for Customer Support and Legal Notices: legal@smepantry.com
Telephone (if applicable): +234(0) 814 277 9526.

Governing Law & Jurisdiction.

These Terms of Service, Privacy Policy, and Refund Policy (collectively, the “Terms”) shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

Any dispute arising out of or relating to these Terms shall be subject to the exclusive jurisdiction of the courts of the Federal Republic of Nigeria and you hereby irrevocably submit to such jurisdiction.

Nature of Services.

The Company provides professional and administrative business-support services, including but not limited to:

• Business Consulting (Virtual and On-site): Advisory sessions, operational restructuring, and strategy implementation for small, medium, and enterprise-level clients.

• Global Company Formation: Assistance with registering, incorporating, and maintaining business entities in multiple jurisdictions.

• Global Intellectual Property Protection: Coordination of the registrations of trademark, patent, copyright, and related filings and renewals.

• Financial Management and Tax Advisory: Analysis and guidance on corporate finance, accounting, and tax-compliance matters.

• Regulatory Compliance: Support for licensing, filings, and compliance with applicable local and international laws.

Service Limitations.

While the Company and its consultants exercise reasonable skill and care, services are provided for informational and administrative purposes only, and DO NOT  constitute legal, accounting, or investment advice unless expressly stated in a separate, signed engagement agreement. Clients should seek qualified professionals in their jurisdiction for specialized legal or financial opinions.

Payment Structure.

Fees for the Company’s products and services (collectively, the “Services”) are payable as follows:

Office Hours

Billed as quarterly subscriptions covering six (6) sessions of two (2) hours each. Subscriptions renew automatically at the end of each quarter or after six (6) sessions, whichever occurs first. Clients may roll over unused sessions for no more than six (6) weeks after the 12-week period ends.

Coin MGT (Financial and Tax Management)

Offered on quarterly or annual subscription plans, billed in advance of each active service period.

• Where the Client engages the Company to account for prior or historical records, fees shall be charged at the equivalent rate of a quarterly or annual subscription corresponding to the period being regularized (e.g., past quarters or fiscal years).

• Such retrospective accounting engagements are treated as standalone projects and are billed in advance, subject to the same terms of service, confidentiality, and data-handling standards as current-period subscriptions.

Consulting Calls

Billed as one-time payments per project or per consultation, payable in full prior to service delivery.

Company Formation, Intellectual Property Protection, and Regulatory Compliance

Billed as one-time project-based payments unless otherwise specified in a formal engagement agreement.

Retainers

Clients may enter into retainer arrangements as mutually agreed in writing. Retainer payments are credited against future invoices or project fees according to the terms outlined in the applicable engagement letter.

Payment Methods.

Accepted payment methods include:

• Direct bank transfers;

• Bank deposits;

• Credit/debit cards accepted securely through PSI DSS- compliant payment gateways;

1. All payments must be made in the currency stated on the invoice, unless otherwise stated.

2. All direct bank transfers and bank deposits must be made into the official corporate accounts (bearing “SME PANTRY LTD” as the account name). We will not be liable for any monies paid into any other bank accounts.

Late or Failed Payments.

In the event of a failed or delayed payment, access to ongoing services may be suspended until payment is received. The Company reserves the right to charge interest on overdue balances at the rate of 3% per month, or the maximum rate allowed by law, whichever is lower.

Taxes and Fees.

Clients are responsible for all applicable taxes, levies, or duties imposed by governing authorities. Prices listed do not include such taxes unless expressly stated.

Professional Disclaimer.

All information, advice, and materials provided by the Company, whether through consultations, reports, written communications, or the Platform, are for general business, administrative, and educational purposes only. They do not constitute legal, tax, accounting, or investment advice unless expressly stated in a separate written agreement signed by an authorized representative of the Company.

Client Responsibility.

The Client acknowledges that:

• The accuracy and timeliness of any deliverables depend on the completeness and correctness of the information they provide.

• The Company shall not be liable for any errors, delays, or rejections arising from false, incomplete, or late submissions.

• The Client is solely responsible for verifying all filings, registrations, and submissions with the relevant authorities once delivered or filed.

Regulatory and Third-Party Risks.

While the Company endeavors to ensure the accuracy and validity of submissions, we do not guarantee approval or acceptance by third-party institutions, including but not limited to:

• Company registrars, trademark or patent offices, financial regulators, or tax authorities.

• Banks, fintech providers, or governmental agencies engaged in KYC/AML verification.

• Payment gateways or data processors.

Any delays, denials, or additional compliance requirements imposed by such entities are outside the Company’s control and shall not constitute grounds for refund or damages.

Limitation of Liability.

To the fullest extent permitted by law:

The Company, its officers, employees, agents, or affiliates shall not be liable for any indirect, incidental, consequential, punitive, or special damages (including loss of profits, business interruption, data loss, or reputational harm) arising out of or in connection with the use of our Services or Platform.

The Company’s total aggregate liability for any claim, whether in contract, tort, negligence, or otherwise, shall not exceed the total amount paid by the Client for the specific service giving rise to the claim.

No Warranty.

All services are provided “as is” and “as available,” without any warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement.

The Company does not warrant that the Platform or any service will be error-free, secure, or uninterrupted, or that any data transmitted will remain free from unauthorized access or corruption.

Indemnification.

The Client agrees to indemnify, defend, and hold harmless the Company and its affiliates, officers, employees, and agents from any and all claims, losses, liabilities, damages, expenses, and costs (including reasonable legal fees) arising out of:

• Any breach of these Terms or applicable laws by the Client.

• Misuse or unauthorized use of the Platform or Services.

• Inaccurate or fraudulent information provided by the Client for any engagement or compliance filing.

Acceptable Use.

By accessing or using the Platform, users agree to act responsibly and in accordance with all applicable laws and these Terms. Users must not:

• Use the Platform for any unlawful, fraudulent, or deceptive purpose.

• Attempt to gain unauthorized access to any system, account, or network connected to the Platform.

• Upload, post, or transmit any material that is defamatory, offensive, obscene, or infringing.

• Introduce viruses, malware, or other harmful code into the Platform.

• Interfere with the security or integrity of the Platform, its servers, or networks.

• Use automated tools (bots, crawlers, or scrapers) to access or extract data without prior written consent.

Account Security.

If the Platform offers user accounts, login credentials must be kept confidential. The user is responsible for all activity under their account and must notify the Company immediately of any unauthorized access or security breach.

Communication Conduct.

Users agree not to abuse, harass, or misrepresent themselves to Company representatives, consultants, or support staff.

All communication through forms, chats, or emails must be professional, respectful, and related to legitimate business inquiries.

Suspension or Termination of Access.

The Company reserves the right to suspend or permanently disable access to the Platform or Services for any user found violating these Terms or engaging in activities that may harm the Company’s reputation, systems, or other users.

Such suspension may occur without prior notice and does not entitle the user to a refund or compensation.

Compliance with Laws.

Users are solely responsible for ensuring that their use of the Platform complies with all laws and regulations applicable in their jurisdiction, including tax, data-protection, and export-control laws.

Ownership of Materials.

All content on the Platform, including text, graphics, logos, videos, audio clips, icons, software, documentation, and trademarks, is the exclusive property of SME Pantry Ltd or its licensors and is protected by copyright, trademark, and intellectual-property laws worldwide.

License to Use.

The Company grants users a limited, non-exclusive, non-transferable, and revocable license to access and use the Platform solely for personal or internal business purposes, in accordance with these Terms.

This license does not include the right to:

• Copy, reproduce, or distribute Platform content for commercial purposes.

• Modify, reverse-engineer, or create derivative works from any part of the Platform.

• Resell, sublicense, or exploit any service or intellectual property of the Company without express written permission.

Client Deliverables.

Where the Company produces reports, templates, or work products as part of an engagement (“Deliverables”):

• Ownership of Deliverables transfers to the Client only upon full payment of all applicable fees.

• The Company retains the right to use anonymized, aggregated, or de-identified elements of Deliverables for internal training, marketing, or research purposes.

• Pre-existing intellectual property, proprietary tools, or frameworks used to create the Deliverables remain the sole property of the Company.

Third-Party Content.

Any third-party trademarks, logos, or materials appearing on the Platform are the property of their respective owners. Their inclusion does not imply endorsement or affiliation unless explicitly stated.

Use of Company Branding.

Clients and partners may not use the Company’s name, trademarks, logos, or proprietary materials in marketing, advertising, or public statements without prior written authorization.

Infringement Notices.

If you believe that any content on the Platform infringes your intellectual property rights, please send a detailed notice to legal@smepantry.com, including your contact information, the infringing material’s URL, and sufficient evidence of ownership. The Company will respond in accordance with applicable law.

Governing Law.

These Terms, and any dispute or claim arising out of or relating to them, shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles.

Good Faith Resolution.

Before initiating formal proceedings, both parties agree to make a genuine effort to resolve any dispute amicably through written notice and negotiation. Either party may deliver a written notice describing the dispute in detail to the other party’s registered email or business address.

Mediation.

If the parties cannot resolve the dispute within 90 days of the initial notice, they agree to attempt mediation before proceeding to arbitration or litigation.

Arbitration.

If mediation fails, the dispute shall be finally resolved by binding arbitration in accordance with the Arbitration and Mediation Act of the Federal Republic of Nigeria. The seat of arbitration shall be Lagos, Nigeria.

The language of the arbitration shall be English.

The arbitral award shall be final and binding on the parties, and may be enforced in any court of competent jurisdiction.

Class Actions and Jury Waiver.

To the extent permitted by law, disputes shall be resolved only on an individual basis and not as part of a class, consolidated, or representative action. The parties waive any right to a jury trial or similar collective proceeding.

Injunctive or Equitable Relief.

Notwithstanding the foregoing, the Company may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

Modifications to Terms.

The Company reserves the right to amend or update these Terms, including the Privacy and Refund Policies, at any time and at its sole discretion. Updates will be posted on the Platform with the revised “Effective Date.” Continued use of the Platform or Services after such changes constitutes acceptance of the revised Terms.

Severability.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Entire Agreement.

These Terms constitute the entire agreement between the parties regarding the subject matter herein and supersede all prior or contemporaneous communications, proposals, or representations, whether oral or written.

No Waiver.

Failure by the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Contact Information.

For questions, complaints, or legal notices, please contact:

SME Pantry Ltd

Attn: Legal & Compliance Department
Email: legal@smepantry.com

Effective Date.

These Terms of Service, Privacy Policy, and Refund Policy were last updated and are effective as of Monday, 13 October 2025.