The terms that govern your use of NEAT Ethical.

The NEAT Ethical website provides information about our services and offerings, including ethical investment and funding opportunities and related services.

The website may also provide access to features such as:

• Investment information
• Funding information
• Investment return calculations
• Account registration and login
• Investor dashboard functionality
• Enquiries and contact channels
• Applications and related digital services

The availability of any product, service, feature, or offering may change from time to time.

We aim to ensure that information presented on our website is accurate and useful. However, website content may be updated, corrected, modified, or removed from time to time.

Information on the website is provided for general informational purposes unless expressly stated otherwise.

Website content should not automatically be interpreted as:

• Personal financial advice
• Legal advice
• Tax advice
• A guarantee of a particular financial outcome
• A guarantee that any application will be approved

You should consider obtaining independent professional advice where appropriate before making financial or other significant decisions.

Where NEAT Ethical presents information regarding investment opportunities, projected returns, profit structures, rates, periods, or calculations, such information must be understood within the specific terms applicable to the relevant product or agreement.

The availability of an investment opportunity and the terms applicable to it may depend on factors including eligibility, documentation, verification, applicable agreements, and other requirements.

Any calculator or illustrative tool made available on the website is intended to provide estimates based on the information entered and the assumptions or terms applicable to the relevant offering.

Calculator results are illustrative and should not, by themselves, be treated as a final contractual statement, guarantee, or confirmation of an investment transaction.

The applicable investment agreement and officially confirmed terms will govern the relevant transaction.

Information regarding ethical funding or financing services is subject to the terms, eligibility requirements, assessment procedures, documentation, and agreements applicable to the relevant funding arrangement.

Submitting an enquiry or application does not guarantee approval or the provision of funding.

NEAT Ethical may assess applications using criteria considered relevant to the applicable service and may request additional information or documentation.

Any approved arrangement will be governed by the specific terms and agreements applicable to that transaction.

You must be legally capable of entering into binding agreements and must satisfy any applicable eligibility requirements before accessing certain services or entering into a transaction with NEAT Ethical.

We may require identity verification, documentation, or other information before providing access to certain services.

We reserve the right, subject to applicable law, to refuse, suspend, or discontinue access where information is inaccurate, incomplete, misleading, fraudulent, or where continued access presents a legal, regulatory, security, or operational concern.

Certain parts of our services may require you to create an account.

You agree to:

• Provide accurate and complete registration information
• Keep your information reasonably up to date
• Protect your password and account credentials
• Avoid sharing your account with unauthorized persons
• Notify us promptly of suspected unauthorized access

You are responsible for activities carried out through your account where such activities result from your failure to protect your credentials or otherwise comply with these Terms.

NEAT Ethical may suspend or restrict access to an account where reasonably necessary for security, compliance, fraud prevention, maintenance, or other legitimate purposes.

You agree not to use our website or services to:

• Violate any applicable law or regulation
• Commit or facilitate fraud or other unlawful activity
• Provide false, misleading, or fraudulent information
• Attempt to gain unauthorized access to accounts, systems, databases, or networks
• Interfere with the security or operation of our website
• Introduce malicious software, code, or harmful materials
• Scrape, copy, extract, or systematically collect website data without authorization where prohibited by applicable law
• Impersonate another person or organization
• Use our services in a manner that infringes the rights of others
• Attempt to circumvent security, access controls, or technical restrictions

We may take appropriate action where misuse or unauthorized activity is detected.

Unless otherwise stated, the content available on the NEAT Ethical website, including text, graphics, logos, branding, designs, layouts, software, and other materials, is owned by or licensed to NEAT Ethical and is protected by applicable intellectual property laws.

You may access and use the website for lawful personal or authorized business purposes.

You may not reproduce, distribute, modify, commercially exploit, reverse engineer, or create derivative works from protected website content without appropriate authorization, except where permitted by applicable law.

Our website may provide access to or contain links to third-party websites or services.

NEAT Ethical does not control all third-party services and is not responsible for their content, availability, security, policies, or practices.

Your use of third-party websites and services may be subject to their own terms and privacy policies.

We aim to maintain the availability and proper functioning of our website and digital services.

However, access may occasionally be interrupted due to:

• Maintenance
• Technical issues
• Security measures
• Network or infrastructure failures
• Updates or system changes
• Events outside our reasonable control

We may modify, suspend, restrict, or discontinue all or part of the website or a service where reasonably necessary.

To the extent permitted by applicable law, NEAT Ethical does not guarantee that the website will always be uninterrupted, error-free, or free from all security vulnerabilities.

You use the website and publicly available information at your own discretion.

Nothing in these Terms is intended to exclude or limit any liability that cannot legally be excluded or limited under applicable law.

Where a specific investment, funding, financial, or other transaction is entered into with NEAT Ethical, the terms of the relevant agreement governing that transaction will apply in addition to these Terms.

Where there is a conflict between these Terms and a specific signed or accepted transaction agreement, the specific transaction agreement will govern to the extent of the conflict.

We may suspend, restrict, or terminate access to the website or services where reasonably necessary, including where:

• These Terms have been violated
• Fraudulent or suspicious activity is detected
• Information provided is false or misleading
• Continued access creates a security or compliance risk
• Required by law, regulation, or a competent authority
• Necessary to protect NEAT Ethical, its users, or its systems

Termination or suspension does not affect rights or obligations that arose before the suspension or termination.

Our handling of personal information is governed by our Privacy Policy.

By using our website or services, you acknowledge that personal information may be processed in accordance with the Privacy Policy and applicable law.

NEAT Ethical may update these Terms from time to time.

Updated Terms will be published on the website with a revised “Last Updated” date.

Where required by applicable law, we will provide additional notice of material changes.

Continued use of the website or services after updated Terms become effective may constitute acceptance of the updated Terms, subject to applicable law.

These Terms shall be interpreted and governed in accordance with the applicable laws governing NEAT Ethical Investments and its operations in Nigeria, unless otherwise required by a specific agreement or applicable law.

Any dispute relating to the use of the website or services shall be handled in accordance with applicable law and the relevant contractual arrangements between the parties.

If you have questions about these Terms of Use, please contact NEAT Ethical Investments through the official contact channels provided on our website.