Terms and conditions

The content provided on this website is for informational purposes only.

Naingate is not responsible for, and explicitly disclaims, all liability for damages of any kind arising out of the use, reference to or reliance on any information contained within the website.

Although Naingate website may include links with direct access to other internet resources / websites, it is not responsible for the accuracy or content of the information listed on these sites.

By accessing this Website You are deemed to have read and agreed to the following terms and conditions below. These terms and conditions become effective when you access this site for the first time. These Terms and Conditions are subject to change without notice, from time to time in our sole discretion. You are responsible for being familiar with the current version of these Terms and Conditions posted on the Website during each visit.

If you do not wish to be bound by these terms and conditions, do not access this website.

For purposes of these terms and conditions, “Client”, “You” and “Your” refers to you, the person accessing this Website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We” and “Us”, refers to Naingate Insurance Brokers Limited, "Party”, “Parties”, or “Us”, refers to both the Client and the Company, or either the Client or the Company.

These terms of use should be read in conjunction with the Privacy Policy.

Accuracy of information

While Naingate Insurance Brokers Limited attempts to ensure that the information on this Website is accurate, current, complete, fit for its intended purpose and compliant with the relevant Nigerian Legislation and regulations as at the time of access, this site and the online services are provided “as is”. Naingate Limited makes no representation or warranty, whether express or implied as to the accuracy, completeness or reliability of any information on this website.

Website content and materials

You are permitted to store, display, analyse, modify, reformat, and print the information made available to you via these services for your own use only. You are by no means, permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of Naingate Limited. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information contained on this Website. The Company reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify, or remove any of the information without recourse to You.


Information provided by you shall be kept confidential and not be used or disclosed in any manner incompatible with the purposes for which they are held. Notwithstanding, You acknowledge that we may disclose and transfer any information that you provide through this Website to (i) the Company, its affiliates, agents or information providers; or (ii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers.

Monitoring by Naingate Limited and its subsidiaries

Your use of the products and services on this Website may be monitored by the Company and the resultant information may be used by the Company for its 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.

No warranties made as to security

Naingate makes no warranty whatsoever to you express or implied, regarding the security of the site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through this service. Naingate also makes no warranty or representation, whether express or implied, that the information or files available on this Website are free of viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardize, disrupt, disable, harm or otherwise impede in any manner the operation of a computer system, computer network or your hardware or software. You accept all risk associated with the existence of such viruses, destructive materials or any other data or code which is able to corrupt, compromise, jeopardize, disrupt, disable, harm or otherwise impede in any manner the operation or content of a computer system, computer network or your hardware or software.

Links from this website

This service may provide links to certain Internet sites (the “Sites”) sponsored and maintained by third parties. Naingate is providing such links solely for convenience to You. Accordingly, Naingate makes no representations concerning the content of the Sites. We do not monitor or review the content of other party’s Sites which are linked to from this website. Opinions expressed or materials appearing on such Sites do not constitute an endorsement by us and should not be regarded as the publisher of such opinions or materials.

If access to this Website is unavailable, delayed or limited or if this Website does not operate quickly and efficiently, you may be unable to transmit your instructions for transactions and other matters, or such instructions may not be promptly executed or you may be unable to retrieve information on a timely basis. If your operations are dependent on such communications with Us, and such communications are disrupted or delayed, you may suffer losses. Naingate shall not be liable for any such loss.

Limitation of liability

Naingate shall have no liability, contingent or otherwise, to You or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to this service, or for any interruption or disruption of such access or any erroneous communication between the Company and You, regardless of whether the connection or communication service is provided by the Company or a third party service provider. Naingate shall have no liability, contingent or otherwise, to You or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the data and services available on this website or for any other aspect of the performance of this service or for any failure or delay in the execution of any transactions through this service.

In no event shall the Company be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of You using the data or services made available on this Website, even where the Company has been advised of the possibility of such damages. Naingate shall have no responsibility to inform You of any difficulties experienced by the Company or third parties with respect to the use of the services or to take any action in connection therewith.

Governing law

The user’s access to and use of the Website, and the terms of this disclaimer are governed by the laws of the Federal Republic of Nigeria without regards to the conflict of law provisions.

No waiver

The Company’s failure to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision or prevent a subsequent enforcement of that or any other right or provision. No waiver of any of the provisions of this or any Agreement shall be effective unless it is expressly stated to be such and signed by both Parties.

Termination and notification of changes

Naingate may in its sole discretion terminate, suspend and/or modify the contents of this Website with or without notice to you. The Company reserves the right to terminate, suspend and/or modify these conditions from time to time as it sees fit and your continued use of the site will signify your acceptance of any adjustment to these terms. You agree that Naingate, its affiliates or subsidiaries shall not be liable to you in the event that it chooses to terminate, suspend or modify this Website or your use of this Website.