"Express On - Line" (hereafter referred to as "The Portal") is an information Service operated by Express Discount Limited (hereafter referred to as EDL ) on the Internet to provide information on the Nigeria's Financial Markets. EDL shall permit use of the Portal, subject to the terms and conditions below ("the Terms and Conditions "). By using this portal in any way, you shall be deemed to have accepted all the Terms and Conditions unconditionally. You must not use this portal if you do not agree to the Terms and Conditions. It should be noted that the use of different parts of this service may be subject to additional terms and conditions as indicated on that part of the portal. Different services offered by Express Discount Limited may also be subject to further terms and conditions and your use of these services will also be subject to the terms and conditions governing the relevant services.

The contents of this Portal are only for general information or use. They do not constitute advice and should not be relied upon in making (or refraining from making) any decision

All effort have been put in place to ensure the accuracy of information on this service. EDL hereby excludes any warranty, express or implied, as to the quality, accuracy, timeliness, completeness, performance, fitness for a particular purpose of the Site or any of its contents, including (but not limited) to any financial tools contained within the Site

Any person who relies on this Web site or on the information contained in this Portal does so at their own risk.

EDL will not be liable for any damages (including, without limitation, damages for loss of business projects, or loss of profits) arising in contract, tort or otherwise from the use of or inability to use the Site, or any of its contents, or from any action taken (or refrained from being taken) as a result of using the Site or any such contents.

EDL makes no warranty that the contents of the Site are free from infection by viruses or anything else, which has contaminating or destructive properties.

EDL shall have no liability to you for any interruption or delay in access to the Site irrespective of the cause.

You hereby indemnify EDL, its affiliates, subsidiaries, employees, servants and agents against any loss,claim or damage which may be suffered by them or any third party arising in any way from your use of this Portal.

In the cause of delivering efficient service to our customers, personal information may be collected. Any information provided by our client or visitors to this website will only be used by Express Discount Limited in accordance with its privacy policy detailed here in :
That any information obtained from a client is confidential and will not be disclosed to any other than a member of staff in need of such information for the purpose of the work/business transaction in question.
That information collected and utilized will be Limited to the barest minimum required to provide the best service, advice and bring to attention other services offered by Express Discount Limited.
That on no occasion will the information provided by the client be revealed to any external organization except the client has been previously notified of such disclosure and so authorize.
That in a case where we seek the support of other organizations to provide support services which could result in their obtaining information about the client, we will require them to conform to our company's privacy/confidentiality policy.
That in such a case that we exchange information about our client for verification and risk management, only minimum information required for such purpose will be revealed.
Intellectual Property Rights

The contents of this Portal, including (without limitation) any software, icons, text, links, graphics, images, sound clips, trade names, logos, trade marks and service marks are protected by law, including but not limited to copyright, patent and trade mark law, and are the property of EDL and/or third parties. Any unauthorised use of the contents, information or materials on this Portal is prohibited.

EDL, its affiliates, subsidiaries, employees, servants and/or agents does not endorse and are not responsible or liable for the contents, maintenance of, or activities conducted on, any Web site to which this Portal provides a link.

Despite the fact that this Portal may refer to or provide links to other Web sites, your use of such other Web sites is entirely at your own risk and we are not responsible for any loss, expense, claim or damage, whether direct, indirect or consequential, arising from your use of such other Web sites or your reliance on any information contained in such other Web sites.

You are not permitted to link or "deep link" to this Portal or to "frame" any part of this Portal, without the written permission of EDL.

You may not use this Portal to obtain or distribute:

• copyright material or material protected by laws relating to intellectual property rights without the permission of the owner of the intellectual property rights in such material;
• material containing viruses or any other destructive materials or data or code which is able to corrupt, interfere with, jeopardise, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system or hardware or software;
• material which is defamatory, unlawful or contains hate speech;
• or bulk e-mail, whether solicited or unsolicited.

You must not interfere with or jeopardise the functionality or the operation of any part of this Portal or attempt to interfere with or jeopardise, disrupt, disable, harm or otherwise impede in any manner the functionality or operation of any part of this Portal.

You are strictly prohibited from using this Portal for "spoofing", "hacking", "flaming", "cracking" or "spamming".

You may not intercept any information transmitted to or from EDL or this Portal.

You must respect other users of this Portal at all times.

The views and interpretations contained in the articles are those of the authors and do not necessarily represent the views and polices of Express Discount Limited or this service. EDL or this service will not be liable for any loss arising from investment decisions on views expressed in these publications.

EDL reserves the right to update and/or amend the Terms and Conditions from time to time and without any notice. Any such change will only apply to your use of this Portal after the change is accessible and may be viewed on this Portal. If you use this Portal after such updated or amended Terms and Conditions have been made accessible or can be viewed on this Portal, you will be deemed to have accepted such updates or amendments.