Privacy Policy

(last updated December 16, 2019) Welcome to Bilbord.

Please read carefully before using this service.

The Bilbord service, website and/or software application (collectively, the “Service”) enables users to view route and or location measurement result and to monitor billboard(s) using coordinates through google maps using supported mobile.

It also enables you to pay money using your account or credit card for products and services offered by third parties (“Products”).
These Products may include putting your billboard with campaign on the service, insurance, brokage and brokage offered by us or other by partners.
The Service is operated by Pause Media (“Bilbord”), subject to these Terms of Service (“Terms”).

Terms of Service

1. This is a contract. These Terms constitute a contract between you and Bilbord. You may not use the Service if you do not accept these Terms. By using any part of the Service, you accept these Terms. If you do not have an out of home advertising business or work within the marketing communication community and/ or you are under eighteen (18) years of age, you may not use the Service.

2. You must register an account with valid information. To use the Service, you must:
(a) provide a valid email a ddress and mobile phone number;
(b) agree to the creation of an account associated with such email and number;
(c) a ccept the present Terms; and
(d) submit such other and additional information as Bilbord may request.
You agree to provide true, accurate and complete information about yourself as prompted by Bilbord during the account registration process. You will be sent an account verification token for the purpose for signing up.

3. Third party partners offer the goods & services. The Service provides you with a method of discovering offers from independent third-party partners (“Partners”). These Partners provides their respective Products and services subject to their own terms and conditions.

For example: • Bilbord insurance: If you choose to purchase an insurance premium, you do so pursuant to the relevant terms and conditions of the provider.

• Bilbord brokerage: If you choose to purchase or sell billboard, you do so pursuant to the relevant terms and conditions of the service provider.

• Bilbord Financing: If you choose to apply for a Financing, you agreed to the terms and conditions and privacy policy of the service provider of Bilbord Financing.

The Services and Products are not investigated, monitored, or checked for accuracy, reliability, appropriateness or completeness by Bilbord. By permitting you to discover Products via the Service, Bilbord does not imply approval or endorsement of such Products. You agree that Bilbord is not responsible or liable for the Services or Products you purchase from Partners.

4. Payments are processed by third parties. In order to facilitate your purchases from Partner, Bilbord has integrated its Service with the billing solutions of certain mobile money providers and credit card issuing banks (“Payment Processors”). If you purchase a Product from a Merchant using your supported mobile money wallet or account or credit card, payments will be processed by such Payment Processors. Payment Processors have their own terms and conditions governing your use of their payment services. You understand and agree that Bilbord does not process payments and is not responsible or liable for any transactions in which you engage.
By engaging in a purchase transaction using your mobile money account or credit card, you authorize the Partner (or Bilbord on its behalf) to bill your account or card for the purchase amount.

5. Your privacy is important to us. Bilbord takes the matters of protection and security of its users’ information very seriously. Bilbord’s privacy policy governing the Service is attached to these Terms (“Privacy Policy”). The Privacy Policy is incorporated into these Terms by this reference. By using the Service, you agree to the use of your data in accordance with Bilbord’s Privacy Policy.
The Privacy Policy addresses only the information collected by Bilbord in providing the Service to you.
Partners and Payment Processors have their own information gathering practices that will apply when you choose to purchase services or any Products.

6. Service or and Product inquiries should be submitted to the relevant Partners. If you have any questions, concerns or requests related to a Service or and Product you have purchased from a Partner you should contact the Partner directly or contact us at help@bilbordapp.com, Each Partner maintains its own customer contact desk for handling such requests, however Bilbord may do its best effort to assist you. If you wish to submit a complaint about the practices of a Partner offering its Products via the Service, you may contact us by email help@bilbordapp.com

7. You must not use the Service to violate any laws. You must not use the Service to violate or infringe the rights of any other person, including the rights of other users, Bilbord’s rights in the Service or Partner’s rights in their services or and Products.
You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Service.
In the event Bilbord has the suspicion you are using the Services for illegal activities such as fraud, Bilbord will block your account immediately.

8. Bilbord may contact you regarding your account or the Service. You expressly agree that, as part of the Service, you may, from time to time, receive communications from Bilbord via email, instant message, telephone, text message (SMS) or other means.
You may stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to help@bilbordapp.com or following the opt-out instructions in the message. Even if you choose to opt out of receiving promotional messages, you may not opt out of receiving service-related messages.

9. Bilbord may discontinue the Service. Bilbord may in its sole discretion and at any time terminate your access to the Service or discontinue providing the Service or any part of the Service, with or without notice. You agree that Bilbord will not be responsible or liable to you or any third party for modifying or discontinuing the Service, or for terminating or suspending your access to the Service.

10. Information verification. You hereby authorise Bilbord to conduct information verification checks on you should Bilbord deem it necessary.
You further duly authorize Bilbord to forward your personal information to verification suppliers, information suppliers and third parties acting on behalf of Bilbord to verify information about you which includes but is not limited to qualification, certification, employer background screening, employment verification, employment references, criminal records, driver’s license validation, passport validation, identity verification and any other personal information required to validate, verify and confirm your information. You understand and agree that your consent declaration will remain valid indefinitely for all existing and future personal and verification requests, screening, validation and confirmation of information regarding yourself.

11. The Service is provided without any warranties or guarantees. THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.
BILBORD AND ITS SUPPLIERS AND AFFILIATES DISCLAIM ALL WARRANTIES WITH REGARD TO THE SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF PARTNERBILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH ANY OF THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

12. Bilbord is not liable for any damages you may incur as a result of using the Services. IN NO EVENT SHALL BILBORD OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICE, WITH THE DELAY OR INABILITY TO USE THE SERVICE, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF BILBORD OR ANY OF ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. You agree to arbitrate any disputes. This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of Nigeria, without reference to the principles of conflict of laws thereof. Any matters arising concerning the interpretation, validity or implementation of this Agreement not solved by mutual agreement between the Parties shall be submitted to arbitration in the English language before a sole arbitrator to take place in Lagos, Nigeria as the seat of the arbitration. The arbitration shall be conducted pursuant to the Rules of Arbitration of the Chartered Institute of Arbitrators of the United Kingdom. The arbitral decision shall be final and binding on the Parties and may be made an order of court. The Parties unconditionally consent and submit to the jurisdiction of the High Court of Lagos, Nigeria for such purpose. Nothing in this Agreement will be deemed as preventing Bilbord from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the Parties and the subject matter of the dispute as is necessary to protect Bilbord’s name, proprietary information, trade secrets, know-how, or any other intellectual property rights.

14. Bilbord may modify these Terms. These Terms and related policies (including but not limited to the Privacy Policy) may be modified by Bilbord without notice at any time in the future. Changes will be posted. By using the Service, you agree to be bound by the latest version of these Terms. It is your responsibility to remain informed of any changes.

15. Alteration. No alteration, variation or agreed cancellation of this agreement, and this paragraph, shall be of any effect unless directed so by us.

16. Whole Agreement. This Agreement constitutes the whole agreement between the parties in regard to the subject matter hereof and no warranties or representations of any nature whatsoever other than set out in this agreement have been given by any of the parties.

17. Waiver/Relaxation. No relaxation or indulgence which Bilbord may show to you shall in any way prejudice or be deemed to be a waiver of its rights hereunder.

18. Survival. Each and every provision of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) shall be deemed to be separate and severable from the remaining provisions of this Agreement. If any of the provisions of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) is found by any court of competent jurisdiction to be invalid and/or unenforceable then, notwithstanding such invalidity and/or unenforceability, the remaining provisions of this Agreement shall be and remain of full force and effect.

Privacy policy

A. Bilbord collects the following data exclusively to be able to provide the Service: name, surname, email address, mobile phone number, as provided by you. Bilbord might also collect your mobile phone number directly from your device if possible. Bilbord uses the data to deliver the Service and maintain a customer relationship, including processing refund claims.

B. Bilbord uses Analytics to collect statistics on users’ interaction with the Service to improve the Service and related in-app functionality.

C. The Service may create aggregate usage reports for investors and partners. This allows our investors and partner to examine the service more effectively and allows our users to receive more services and product that are relevant to their needs. Bilbord never shares individual personal information with anyone, so an investor or and partner will never know that a specific user.

D. Bilbord uses the above-described information to tailor the Service to suit user needs and help our partner and or investor better understand our audience demographics. We do not share information about individual users with any third party.

E. Bilbord reserves the right to disclose any information we have as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process.

F. In the event that you use the Service to purchase Products or and service from third party partners as further described in the terms of service, the collection of data by such third-party Partner is described in the relevant privacy policy of such Partner. In particular, if you choose to apply for an Bilbord Financing from our financial partners, you agree to the Bilbord financing privacy policy and the collection of more relevant data from you or and your device as it may be required for credit scoring and collections purposes as further described in such privacy policy.

G. Bilbord will inform of any changes or updates to this Privacy Policy, through its website or in-app notifications. To learn more about the measures implemented by Bilbord to protect your personal information, or if you have any inquiries on the processing of your data, you may contact us at help@bilbordapp.com.

H. By using any part of the Service, you acknowledge and agree to the processing of your personal data, under the terms and conditions set out in this Privacy Policy.

PLEASE READ CAERFULLY BEFORE USING THE SERVICE

Welcome to Bilbord Insurance! The Bilbord Insurance (”Service”) enables you to connect with independent contractors (”Third parties), to facilitate insurance services. The Service is operated by Supreme Adequate Brokers Limited ( “the Company”, “we”, “us” or “our”) subject to these Terms of Service (“Terms”).

TERMS OF SERVICE

(last updated December 16, 2019) 1. This is a Contract. These Terms constitute a contract. You may not use the Service if you do not accept these Terms. By using any part of the Service, you accept these Terms, and any future amendments and additions to this Terms as published from time to time on our application, or through the Service. It is your responsibility to remain informed of any changes as you are bound by the latest version of the Terms. If you are under eighteen (18) years of age, or and do not own/operate or and authorised by an appropriate authority, you may not use the Service.

2. You must accept our privacy policy. To provide you with the Service, you must authorize the provision of certain personal information to us as described in our privacy policy. Our privacy policy governing the Service is attached to and incorporated into these Terms (“Privacy Policy”). By accepting these Terms and using the Service, you consent to and authorize the collection and use of personal information in accordance with the Privacy Policy.

3. You must keep your account secure. You are responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur through the use of your account or password. You agree to immediately notify us of any unauthorized use of your account or any other breach of security. Utilisation of your account by either yourself and/or any other individual shall be deemed to be an authorised transaction and hereby indemnify us against and waive any claims relating to the unauthorised use of your account.

4. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license: (i) to view, request and for the Service, (“Our Content”), solely for your personal and commercial purposes only.

5. You hereby grant us a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, view, copy, adapt, modify, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast and otherwise exploit your Content on, through or by means of the Service. We do not claim any ownership rights in any of your Content and nothing in this Terms will be deemed to restrict any rights that you may have to use and exploit any of your profile.

6. To access all the features of the Services, you must register for an account. When you register for an account, you may be required to provide us with some information about yourself (such as your name, e-mail address, phone number, profile image, or other contact information). You agree that the information you provide to us is accurate, current, and complete, and that you will keep it up to date at all times.

7. You must respect our rights in the Service. We grant you a limited, non-transferable, personal right and license to use the Service and any associated software application through which it may be provided. You may not copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify, or create derivative works of the software (except as, and only to the extent that, any of the foregoing restrictions are prohibited by applicable law or to the limited extent permitted by the licensing terms governing use of any open-sourced components included within the software).

8. Any fees that we may charge you for the Service, are due immediately and are non-refundable. Upon Placement of a request for the Services, payment will be made in accordance to the set rules as at the time of request. We reserved the right to determine final prevailing pricing. Please note the pricing information published on any medium whatsoever may not reflect the prevailing pricing. Additionally, while we encourage our partners to maintain pricing consistent across platforms, pricing on our website may not reflect in house pricing, or on other platforms.

9. You can choose between different payment methods as provide in accordance to set rules upon request and service approval. Notwithstanding the a foregoing, no guarantee is made by us of a method of payment being accepted by a Third Party as an acceptable payment method shall vary from Third Party to Third Party and from time to time.

10. We may make promotional offers with different features and different rates to any of our customers. These promotional offers, unless made to you, shall have no bearing whatsoever on your offer or contract, unless expressly stated by us.

11. We may change the fees for our Service, as we deem necessary for our business. We encourage you to check back periodically if you are interested about how we charge for the Service.

12. During use of the Application and Service, you may enter into correspondence with, purchase goods and/or services from, or participate in promotions of Third Party service providers, advertisers or sponsors showing their goods and/or services through the Service. Any such activity, and any terms, conditions, warranties or representations associated with such activity, is solely between you and the applicable third-party.

13. You irrevocably agree and acknowledge that once a request for insurance has been placed, such insurance request may be cancelled at the discretion of the Third Party. In the event that there is misinformation from your side, you have no right to claim a refund for the Service/s. Any refund payable shall be at the sole discretion of the Third-Party supplier and no claim shall lie against us where a refund has not been granted. In the event that a Third-Party supplier agrees to refund you, the refunded amount shall be credited to your bank account only and you shall not be entitled to demand a cash refund.

14. You acknowledge that it is your responsibility to ensure that all information provided by you, including but not limited to contact details and physical address are true and correct. Any inability by us or a Third Party to render the Service/s as a result of incorrect information being supplied by you shall be deemed to be a failure to comply with the terms and conditions of this agreement and you shall not be entitled to refund and/or any remedy whatsoever.

15. The Platform, and the media and materials contained in the platform, including all intellectual property rights in the platform, are the sole and exclusive property of us and its licensors. Except for any limited license expressly granted by and to you under these Terms, no other rights, licenses, or immunities are granted or shall be deemed to be granted under these Terms, either expressly, or by implication, estoppel or otherwise. All rights not expressly granted by us in these Terms are expressly reserved.

16. By using the Service, you agree that we and those acting on our behalf may send you text (SMS) messages at the phone number you provided us. You may opt-out of receiving them

17. We may discontinue the Service. We may in our sole discretion and at any time terminate your access to the Service or discontinue providing the Service or any part of the Service, with or without notice. You agree that we will not be responsible or liable to you or any third party for modifying or discontinuing the Service, or for terminating or suspending your access to the Service.

18. The Service is provided without any warranties or guarantees. THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE AND OUR THIRD-PARTY SUPPLIERS DISCLAIM ALL WARRANTIES WITH REGARD TO THE SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE, OR WITH THESE TERMS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.

19. We are not liable for any damages you may incur. IN NO EVENT WILL WE OR OUR SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SERVICE, WITH THE DELAY OR INABILITY TO USE THE SERVICE, THE PROVISION OF OR FAILURE TO PROVIDE SERVICE, OR OTHERWISE ARISING OUT OF THE USE OF THE SERVICE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF WE OR ANY OF OUR SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

20. This contract is based on Nigerian law. These Terms are subject to, and shall be governed by, and construed in accordance with the laws of the Federal Republic of Nigeria, without reference to the principles of conflict of laws thereof. Any matters arising concerning the interpretation, validity or implementation of these Terms shall be submitted to arbitration in the English language before a sole arbitrator to take place in Lagos, Nigeria as the seat of the arbitration. The arbitration shall be conducted pursuant to the Arbitration and Conciliation Act, Laws of the Federation 2004 and the Rules of Arbitration of the International Chamber of Commerce. The arbitrator shall be appointed by agreement between the parties or in default of such agreement within sixty (60) days of the notification of a dispute, by the Chairman of the aforementioned arbitral body. To the extent permitted by applicable law, the arbitral decision shall be final and binding on the parties.
21. Should you wish to contact us regarding the Service/s you are required to send an email to help@bilbordapp.com No other means of communication shall be deemed acceptable unless advised to the contrary by us.

22. No alteration, variation or agreed cancellation of this agreement, and this paragraph, shall be of any effect unless it is recorded in writing and signed by all the parties. >23. This Agreement constitutes the whole agreement between the Parties in regard to the subject matter thereof and no warranties or representations of any nature whatsoever other than set out in this agreement have been given by any of the parties.

24. No relaxation or indulgence which any party may show to any other party to this Agreement shall in any way prejudice or be deemed to be a waiver of its rights hereunder.

25. Each and every provision of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) shall be deemed to be separate and severable from the remaining provisions of this Agreement. If any of the provisions of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) is found by any court of competent jurisdiction to be invalid and/or unenforceable then, notwithstanding such invalidity and/or unenforceability, the remaining provisions of this Agreement shall be and remain of full force and effect.

26. Any substantive provision appearing in, or as a part of, any interpretative provision of this agreement shall have effect in accordance with its tenor, notwithstanding the context in which it appears.

PRIVACY POLICY

Supreme Adequate Brokers Limited (“Our”, “we” or “us”) takes your privacy seriously. This privacy policy explains why we collect data, what data we collect, how we store and transfer that data as well as who we may share the data with. You specifically authorize us to collect and process data in accordance with this privacy policy.

A. Why we collect data. We collect certain data to be able to provide the Service to you. We also collect data for use inverifying your identity.

B. The data we collect. When you register for the Service, we will collect your telephone number and may also collect your bank verification number (BVN), email address or other contact information, we will also verify the data provided by you with different sources. With this information, we may cross-check your identity with third parties. We will also collect data from third parties and from you as may we consider appropriate. To supplement this information, we may also collect data from third parties. By registering for the Service, you authorize the collection and processing of the foregoing data.

C. Who we share data with. We may share your data with third parties in certain circumstances. We may, for example, share data with:

i. Third Parties, as defined in the Terms;

ii. professional advisers, to enforce or defend our legal rights;

iii. with a purchaser or seller in connection with a corporate event such as a merger, business acquisition or insolvency situation. You hereby consent to, agree and authorize us to share your data with such Third Parties and you further agree and consent to the disclosure and provision of such information to by us to these third parties.

E. Contact information. If you have any questions about this privacy policy or other privacy issues,

we can be reached at help@bilbordapp.com