### Terms and Conditions

Welcome to Loda.ng. Please read these Terms and Conditions carefully before using our website and services. By accessing or using Loda.ng, you agree to comply with and be bound by the following terms and conditions.

#### 1. Acceptance of Terms

By accessing or using Loda.ng, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our website.

#### 2. Services Provided

Loda.ng provides various online services, including but not limited to:

- MB Data and VTU business guidance

- Digital marketing tutorials

- Graphic design tutorials using smartphones

- Online tutoring for Nigerian youths

We reserve the right to modify or discontinue any of our services at any time without prior notice.

#### 3. User Responsibilities

As a user of Loda.ng, you agree to:

- Provide accurate and complete information when registering or using our services.

- Use our services for lawful purposes only.

- Not engage in any activity that disrupts or interferes with our services.

- Respect the intellectual property rights of others.

#### 4. Account Security

You are responsible for maintaining the confidentiality of your account information, including your password. You agree to notify us immediately of any unauthorized use of your account.

#### 5. Payment and Refund Policy

Certain services on Loda.ng may require payment. By making a purchase, you agree to our payment terms and conditions. All payments are non-refundable unless otherwise stated.

#### 6. Intellectual Property

All content on Loda.ng, including text, graphics, logos, and tutorials, is the property of Loda.ng or its content suppliers and is protected by copyright laws. You may not reproduce, distribute, or create derivative works from our content without our express written permission.

#### 7. Limitation of Liability

Loda.ng is not liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use of our services. We do not warrant that our services will be uninterrupted or error-free.

#### 8. Indemnification

You agree to indemnify and hold harmless Loda.ng, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, or expenses arising out of your use of our services or your violation of these Terms and Conditions.

#### 9. Changes to Terms

We reserve the right to update or modify these Terms and Conditions at any time. Any changes will be effective immediately upon posting on our website. Your continued use of our services after any changes signifies your acceptance of the revised terms.

#### 10. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Nigeria. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Nigeria.

#### 11. Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us at info@loda.ng.

Thank you for using Loda.ng!