# Terms of use — FMAC

The straightforward terms that govern use of fmac.ng and its related content.

_Last updated: March 6, 2026_

## 1. Acceptance

By using fmac.ng, you agree to these terms and applicable laws. If you do not agree, discontinue use of the website.

## 2. Permitted use

You may use this site for lawful, personal, and informational purposes.

Do not misuse the site, interfere with its operation, attempt unauthorized access, or scrape or exploit its content at scale without permission.

## 3. Intellectual property

Unless stated otherwise, the site's text, code samples, visuals, and branding remain the property of the site owner.

You may reference content with attribution. Commercial reuse or redistribution may require written consent.

## 4. Third-party services

This site links to third-party websites, products, and services. I do not control or accept responsibility for their content, policies, or availability.

## 5. Disclaimer

This website is provided as is and as available without warranties of any kind.

Its content is general information, not legal, financial, or professional advice.

## 6. Limitation of liability

To the maximum extent permitted by law, I am not liable for indirect, incidental, special, consequential, or punitive damages arising from use of this site.

## 7. Indemnification

You agree to hold the site owner harmless from claims, liabilities, losses, and expenses arising from your misuse of the website or violation of these terms.

## 8. Governing law

These terms are governed by the laws of the Federal Republic of Nigeria, without regard to conflict-of-law rules.

## 9. Changes

These terms may be updated periodically. Changes take effect when posted here with an updated date.