Terms of Service

1. Acceptance of Terms

By accessing or using the services of Collaborative Investment Ltd (CIL), you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Services Description

CIL provides the following services:

• Business development and SME management
• Investment management and advisory services
• Agricultural enterprise development
• Manufacturing and industrial operations
• Machine fabrication and engineering
• Diaspora business and asset management

Specific terms for each service will be detailed in individual service agreements.

3. Investment Terms

3.1 Investment Models

We offer three primary investment models:

• Asset-Backed Financing: Minimum investment ₦5,000,000, secured by tangible assets
• Profit-Sharing Partnerships: Minimum investment ₦3,000,000, monthly profit distribution
• Project-Specific Funding: Project-based investments with defined timelines and returns

3.2 Returns and Distributions

• Returns are projected based on historical performance and market analysis
• Actual returns may vary based on market conditions and project performance
• Profit distributions occur monthly or quarterly as specified in investment agreements
• All returns are subject to applicable taxes and regulations

3.3 Risk Disclosure

All investments carry risk. Past performance does not guarantee future results. Investors should:

• Carefully review all investment documentation
• Consider their risk tolerance and investment objectives
• Seek independent financial advice if necessary
• Understand that capital is at risk

4. Client Responsibilities

As a client of CIL, you agree to:

• Provide accurate and complete information for service delivery
• Make timely payments as specified in service agreements
• Cooperate with our management team for business optimization
• Maintain confidentiality of proprietary business information
• Comply with all applicable laws and regulations

5. Fees and Payments

5.1 Management Fees

Business management services start at ₦500,000 per month, depending on business size and complexity.

5.2 Investment Fees

• Management Fee: 2-5% of assets under management annually
• Performance Fee: 10-20% of profits above specified benchmarks
• Setup Fee: One-time fee for investment account setup

5.3 Payment Terms

• Fees are payable in Nigerian Naira (₦)
• Payments due within 15 days of invoice date
• Late payments may incur penalties as specified in agreements

6. Confidentiality

Both parties agree to maintain the confidentiality of:

• Business strategies and operational methods
• Financial information and investment strategies
• Client lists and business relationships
• Proprietary technology and systems

Confidentiality obligations survive termination of services.

7. Intellectual Property

CIL retains all intellectual property rights to:

• Business management systems and methodologies
• Investment analysis tools and models
• Proprietary software and technology
• Branding, logos, and marketing materials

8. Limitation of Liability

To the maximum extent permitted by law, CIL shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits or business opportunities
• Market fluctuations affecting investment performance
• Events beyond our reasonable control (force majeure)

Total liability shall not exceed fees paid for services in the preceding 12 months.

9. Termination

9.1 By Client

Clients may terminate services with 30 days written notice. Early termination fees may apply as specified in service agreements.

9.2 By CIL

We may terminate services for:

• Material breach of agreement terms
• Non-payment of fees
• Illegal or fraudulent activities
• Threats to business security or reputation

10. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

1. Negotiation: Parties shall attempt to resolve disputes through good-faith negotiations
2. Mediation: If negotiation fails, parties shall attempt mediation with a neutral third party
3. Arbitration: If mediation fails, disputes shall be settled by arbitration in Lagos, Nigeria

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any legal actions shall be brought in courts located in Lagos, Nigeria.

12. Changes to Terms

We reserve the right to modify these terms at any time. Changes will be effective upon posting to our website. Continued use of our services after changes constitutes acceptance of modified terms.

13. Contact Information

For questions about these Terms of Service, please contact us:

Last Updated: December 2024