1. General Disclaimer

Your use of any services provided by Blue Marina Asset Management Limited ("Blue Marina") shall be subject to these Terms and Conditions, as well as any product-specific documentation and applicable laws, including the rules and regulations of the Securities and Exchange Commission (SEC) Nigeria.

2. Monitoring by Blue Marina Asset Management Limited

Your use of the products and services on this Website may be monitored by us and the resultant information may be used by us for our internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization. Anyone using this Website expressly consents to such monitoring, tracking and recording.

3. Investment Risk

You acknowledge and understand that all investments in financial instruments involve risk. Investment values may fluctuate, and past performance is not indicative of future results. Our products may not be suitable for all investors.

The information provided on this website does not take into account the specific investment objectives, financial situation, tax circumstances, or individual needs of any investor. It is not intended to constitute investment, legal, accounting, or tax advice, nor does it represent that any investment or financial service is suitable or appropriate for your individual circumstances. It should not be relied upon as a personal recommendation. You are encouraged to consult your financial advisor before making any investment decisions.

4. Know Your Customer (KYC) and Source of Funds

You warrant that all information provided to us is true and accurate. All subscription and investment payments must be made from a bank account held in your name. We do not accept third-party payments. You also confirm that all funds used for investments are from lawful sources and are not derived, directly or indirectly, from any criminal or fraudulent activity.

5. Client Obligations and Communication

You agree to promptly notify us (within 7 calendar days) of any changes to the information you have provided, including contact details, bank accounts, and identification documents. You also authorize Blue Marina to communicate with you through electronic channels, including email, telephone, SMS, or web-based platforms. Instructions sent via electronic means shall be deemed authentic and binding.

6. Electronic Instructions and Indemnity

You acknowledge and accept the risks associated with electronic communications, including interception, loss, delay, or corruption of data. You agree that Blue Marina shall not be liable for any losses arising from acting on instructions received electronically from you or your authorized representatives. You further agree to indemnify and hold Blue Marina harmless from any claim, loss, or liability arising from such communications.

7. No Warranties as to Content

We make no warranty, express or implied, concerning this Website. The services provided by us, and any third-party providers are on an "AS IS" basis at your sole risk. We expressly disclaim any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services on this Website with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability.

8. No Warranties on Security

We make no warranty whatsoever to you, express or implied, regarding the security of the Website, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this Website. We will not be liable for any loss, harm or damage suffered by you as a result of the activities of third parties on this Website.

9. Limitation of Liability

Blue Marina shall not be liable for any indirect, incidental, or consequential loss or damage, including loss of profit, opportunity, or data. We shall not be liable for actions taken by third parties (e.g., custodians, brokers, or banks) or for losses arising from force majeure events or market disruptions beyond our control.

10. Death or Incapacity

In the event of your death, incapacity, bankruptcy, or insolvency, Blue Marina shall continue to act on your account until formally notified by your lawful representatives or administrators, with proper documentation.

11. Data Privacy and Disclosure

Blue Marina may disclose your personal or financial information to regulators, service providers, and other relevant parties only when necessary for legal, compliance, or operational purposes. All such disclosures shall be done in line with applicable data protection laws and best practices.

12. Complaints and Dispute Resolution

We are committed to providing excellent service. If you have a complaint, please contact us via customersupport@bluemarinaam.com. We will handle all complaints with diligence and aim to resolve them promptly and fairly. If unresolved, disputes may be escalated to the SEC or resolved through mediation or arbitration.

13. Copyright

All components of this Website are protected by intellectual property laws and are the property of Blue Marina Asset Management Limited or third parties. Users shall not acquire any rights, including rights in or to any software, trademarks or components of this Website, by downloading or printing any material from this Website. Copyright notices and trademarks may not be changed or removed. Components of this Website may not be reproduced in whole or in part in any manner or form (including electronic or printed form) without our prior written consent and unless full acknowledgement of the source is provided.

Users are not permitted to create hyperlinks or online links from other websites to this Website without our prior written consent.

14. No Representations Made as to Other Sites or Links

This Website may provide links to certain Internet sites (the "Sites") sponsored and maintained by third parties. We are providing such links solely as a convenience to you. Accordingly, we make no representations concerning the content of the Sites. The fact that we have provided a link to the Site does not constitute endorsement, authorization, sponsorship, or affiliation by us with respect to the Site, its owners, or its providers. We have not tested any information, software, or products found on any of the Sites and therefore do not make any representations with respect thereto, including any representations regarding the content or sponsors of the Site, or the suitability or appropriateness of the products or transactions described in these Terms.

15. Amendments

Blue Marina reserves the right to update or modify these Terms and Conditions at any time without notice. Continued use of our services after such notification constitutes acceptance of the updated terms.

16. Termination

You agree that we shall not be liable to you in the event that we choose to terminate or suspend this Website or your use of this Website.

17. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. You agree to submit to the exclusive jurisdiction of Nigerian courts in the event of any legal dispute.