Terms of Service

About Harmaz Ridge Merchant Co.

Harmaz Ridge Merchant Co. is a multi-sector trading and services company registered and operating in Nigeria. We provide services across education advisory, global and international services, trade and merchandising, logistics and supply, and business and corporate support.

Use of This Website

You may use this website for lawful purposes only. You must not:

• Use this site in any way that violates applicable Nigerian or international law
• Attempt to gain unauthorised access to any part of this website or its underlying systems
• Use this site to transmit spam, malware, or other harmful content
• Copy, reproduce, or republish any content from this site without our written permission

We reserve the right to restrict or terminate access to this website for any user who violates these Terms.

Service Engagements

All service engagements are governed by a separate written agreement or proposal issued by Harmaz Ridge Merchant Co. before any work commences. These Terms of Service do not constitute a service agreement and do not create any obligation on either party to provide or purchase services.

Any service-specific terms, fees, timelines, and deliverables are set out in the written proposal for that engagement. In the event of any conflict between these Terms and a service proposal, the service proposal prevails.

Fees and Payment

Fees for services are as agreed in the relevant service proposal. Payment terms are specified in each proposal. We reserve the right to suspend or terminate a service engagement where payment obligations are not met by the agreed date. All fees are clearly stated in writing before any engagement begins.

Intellectual Property

All content on this website, including text, images, logos, and design, is the property of Harmaz Ridge Merchant Co. or its licensors. You may not reproduce, distribute, or adapt any content from this website without our prior written consent.

Any work product delivered as part of a service engagement is governed by the intellectual property terms set out in the relevant service agreement.

Limitation of Liability

To the fullest extent permitted by Nigerian law, Harmaz Ridge Merchant Co. shall not be liable for any indirect, incidental, or consequential loss arising from your use of this website or from any service engagement, except where such loss results from our gross negligence, wilful misconduct, or fraud.

Our total liability in relation to any service engagement shall not exceed the fees paid by you for that specific engagement.

Disclaimers

This website and its content are provided on an "as is" basis. While we make every effort to ensure the accuracy of information on this site, we do not warrant that it is complete, accurate, or up to date at all times. We are not responsible for any loss resulting from reliance on information on this website.

For education advisory and immigration-related services, our guidance is informational and administrative in nature. We do not provide legal advice, and we do not guarantee admission to any institution or approval of any visa application.

Third-Party Links

This website may contain links to third-party websites. These links are provided for convenience only. We are not responsible for the content, privacy practices, or accuracy of any third-party website, and a link does not constitute an endorsement.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising in connection with these Terms or any service engagement shall first be subject to good-faith negotiation. If the dispute cannot be resolved by negotiation within 30 days, it shall be referred to mediation or arbitration in accordance with Nigerian law.

Changes to These Terms

We may update these Terms from time to time. Changes are effective when published on this page. Continued use of this website after changes are published constitutes acceptance of the revised Terms.

Contact Us

For questions about these Terms, contact us at:

Harmaz Ridge Merchant Co.
Email: info@harmazridge.com.ng
Website: harmazridge.com.ng
Nigeria