Terms of Service

Welcome to naijaloyal.com.ng. By accessing or using our website, utilities, and online calculators, you agree to be bound by these Terms of Service. If you do not agree to these terms, please discontinue using the website.

1. Permitted Use of Tools

NaijaLoyal provides calculators and browser-based software tools for personal, educational, and business scenario estimation. You may use our calculators freely for your personal computations or business workflow checks.

2. Disclaimer of Warranties & Professional Advice

All calculations, estimates, formulas, and editorial guides provided on NaijaLoyal are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express or implied. In particular:

• No Financial, Tax, or Legal Advice: Outputs from tools such as the Nigerian PAYE Tax Calculator, VAT Calculator, Mortgage Calculator, and Loan Affordability Calculator are mathematical estimates based on user inputs. They do not constitute formal tax advice, auditing, financial planning, or legal counsel.
• No Professional Engineering Advice: Tools estimating construction materials (such as cement, blocks, plaster, and screed) provide theoretical estimations based on standard trade formulas and cannot replace certified civil engineering, quantity surveying, or architectural assessments.
• Independent Verification: Users are advised to verify critical calculations against statutory government bodies, certified accountants, lending institutions, or qualified professionals.

3. Limitation of Liability

In no event shall NaijaLoyal, its operators, or contributors be held liable for any direct, indirect, incidental, consequential, special, or exemplary damages resulting from the use or inability to use the tools or reliance upon any figures generated by the website.

4. Intellectual Property

The design, custom software code, editorial guides, explanations, and compilation of calculators on naijaloyal.com.ng are the property of NaijaLoyal and are protected by applicable copyright and intellectual property laws.

5. Modifications to the Service

We reserve the right to modify, update, enhance, or discontinue any calculator, utility, or feature at any time without prior notice.

6. Governing Law

These Terms shall be governed and interpreted in accordance with applicable laws, without regard to its conflict of law provisions.

7. Contact

If you have any questions regarding these Terms of Service, please reach out via preciouschimara22@gmail.com.