Terms of Service

Effective Date: 9 October 2026
Website: https://lovetechgroup.com.ng
Organisation: Lovetech Agrofinance & Development Ltd

1. Introduction

These Terms of Service govern your access to and use of the Lovetech Agrofinance & Development Ltd website, Academy/LMS, digital resources, consulting services, finance readiness tools, training programmes, forms, downloadable materials, and related services.

By accessing or using our website or services, you agree to these Terms of Service. If you do not agree with these terms, you should not use our website or services.

2. About Lovetech

Lovetech Agrofinance & Development Ltd provides business development, agrofinance advisory, finance readiness support, training, consulting, research, monitoring and evaluation, digital transformation, AI-enabled business support, and enterprise development services.

Our services may include online courses, business diagnostics, advisory consultations, downloadable resources, templates, reports, forms, and programme support services.

3. Eligibility

By using our website or services, you confirm that you are legally capable of entering into a binding agreement.

If you are using our services on behalf of a business, organisation, cooperative, institution, or programme, you confirm that you have authority to act on behalf of that entity.

4. User Accounts

Some parts of our website or LMS may require account registration.

You agree to:

• Provide accurate and complete information
• Keep your login details confidential
• Notify us if you suspect unauthorised access to your account
• Use your account only for lawful and authorised purposes
• Not share paid course access with unauthorised users

We reserve the right to suspend or terminate accounts that breach these Terms of Service.

5. Google Sign-In and Third-Party Login

Where Google sign-in or other third-party login options are available, you may use them to create or access your account.

You are responsible for maintaining the security of your Google or third-party account. We are not responsible for unauthorised access caused by the compromise of your external account credentials.

6. Courses, LMS Access, and Academy Programmes

Lovetech may provide online courses, training modules, videos, downloadable materials, assignments, quizzes, certificates, live sessions, and learner support.

You agree that:

• Course access is for your personal or authorised organisational use only
• You will not copy, resell, redistribute, or publicly share course materials without written permission
• Completion certificates may be subject to attendance, assignment submission, assessment, or other stated requirements
• Course content may be updated, improved, replaced, or withdrawn where necessary
• We may use reasonable tools to track learning progress and course completion

7. Consulting, Advisory, and Finance Readiness Services

Lovetech provides business advisory, finance readiness, training, consulting, and documentation support.

Unless expressly stated in a signed agreement:

• We do not guarantee loan approval, grant approval, investment, procurement success, or funding outcomes
• We are not a bank, microfinance bank, investment firm, or lender
• Any business, finance, strategy, or funding guidance we provide is advisory in nature
• Final business decisions remain the responsibility of the client
• Clients are responsible for providing accurate, complete, and truthful information

8. Payments

Certain courses, consultations, resources, or services may require payment.

By making a payment, you agree to the stated price, payment method, and service description at the time of purchase.

Unless otherwise stated:

• Course fees are payable before access is granted
• Consulting fees may require deposit or full payment before work begins
• Payment confirmation may be required before enrolment or delivery
• Prices may change from time to time
• Taxes, transaction charges, or third-party fees may apply where relevant

9. Refunds and Cancellations

Refund terms may vary depending on the product or service purchased.

Unless otherwise stated in a specific offer or agreement:

• Digital course fees may not be refundable once access has been granted
• Consultation fees may not be refundable where the session has been delivered or time has been reserved
• Duplicate payments or proven payment errors may be reviewed and refunded where appropriate
• Programme cancellations by Lovetech may result in rescheduling, credit, or refund depending on the circumstances
• Custom consulting, proposal, documentation, or advisory work may be non-refundable once work has commenced

Any refund request should be sent to our official email with payment evidence and reason for the request.

10. User Responsibilities

You agree not to use our website or services to:

• Violate any law or regulation
• Submit false, misleading, or fraudulent information
• Upload harmful code, malware, or security threats
• Attempt to gain unauthorised access to our systems
• Copy, reproduce, or resell our materials without permission
• Harass, abuse, or harm other users, staff, facilitators, or partners
• Use our resources for illegal, deceptive, or unethical purposes
• Misrepresent your identity, business, or authority

11. Intellectual Property

All content on our website and LMS, including text, videos, designs, templates, course materials, frameworks, logos, graphics, documents, downloads, and training resources, belongs to Lovetech Agrofinance & Development Ltd or its licensors, unless otherwise stated.

You may use downloaded materials for your personal business learning or internal organisational purposes.

You may not, without written permission:

• Resell our content
• Repackage our courses as your own
• Upload paid materials publicly
• Remove branding or copyright notices
• Use our materials to create competing commercial training products
• Copy substantial parts of our website, courses, templates, or resources

12. User Submissions

Where you submit assignments, forms, feedback, business information, documents, testimonials, or responses, you confirm that the information is accurate and that you have the right to share it.

You grant Lovetech permission to use submitted information to provide services, assess course progress, deliver support, evaluate programmes, and improve our services.

We will handle personal data in line with our Privacy Policy.

13. Testimonials and Public Use of Feedback

We may request permission to use testimonials, reviews, success stories, photographs, business names, or feedback for marketing and reporting purposes.

We will not intentionally publish sensitive personal or confidential business information without appropriate consent.

14. Third-Party Tools and Links

Our website may connect to third-party tools, including payment platforms, Google sign-in, WhatsApp, email platforms, analytics tools, social media platforms, form tools, video hosting tools, or LMS-related services.

We are not responsible for the content, policies, actions, availability, or security of third-party platforms. Your use of third-party services may be subject to their own terms and privacy policies.

15. No Professional Guarantee

Our content, templates, diagnostics, tools, and advisory materials are provided for educational, business development, and general advisory purposes.

While we strive to provide practical and useful guidance, we do not guarantee:

• Business profit
• Sales growth
• Funding approval
• Loan approval
• Grant success
• Procurement success
• Regulatory approval
• Specific financial outcomes

Users and clients remain responsible for their own decisions, submissions, operations, and compliance obligations.

16. Availability of Website and Services

We aim to keep our website and services available and functional. However, we do not guarantee uninterrupted or error-free access.

We may suspend, update, modify, restrict, or discontinue any part of the website or services for maintenance, security, technical, business, or legal reasons.

17. Limitation of Liability

To the fullest extent permitted by law, Lovetech Agrofinance & Development Ltd shall not be liable for indirect, incidental, consequential, special, punitive, or exemplary damages arising from your use of our website, courses, resources, tools, or services.

Our total liability for any paid service shall not exceed the amount paid by you for that specific service, except where the law provides otherwise.

18. Indemnity

You agree to indemnify and hold harmless Lovetech Agrofinance & Development Ltd, its directors, staff, consultants, facilitators, partners, and representatives from any claims, losses, damages, liabilities, costs, or expenses arising from:

• Your misuse of our website or services
• Your breach of these Terms
• Your submission of false or misleading information
• Your violation of any law or third-party right
• Your unauthorised use or distribution of our intellectual property

19. Termination

We may suspend or terminate your access to our website, LMS, courses, or services if you breach these Terms, misuse our platforms, fail to make required payments, violate intellectual property rights, or engage in harmful, fraudulent, unlawful, or abusive conduct.

20. Governing Law

These Terms of Service shall be governed by the laws of the Federal Republic of Nigeria.

Any disputes arising from these Terms or your use of our services shall first be addressed through good-faith negotiation. Where resolution is not possible, the matter may be referred to a competent court or appropriate dispute resolution mechanism in Nigeria.

21. Changes to These Terms

We may update these Terms of Service from time to time. The updated version will be posted on this page with a revised effective date.

Continued use of the website or services after updates means you accept the revised Terms.

22. Contact Us

For questions about these Terms of Service, contact:

Lovetech Agrofinance & Development Ltd
Website: https://lovetechgroup.com.ng
Email: info@lovetechgroup.com.ng
Phone/WhatsApp: +234 802 606 5189
Address: 27, 3rd Avenue, Aldenco Estate, Galadimawa, Abuja, Nigeria