Terms and Conditions

Updated [•], 2018


Welcome, and thank you for your interest in the Coreum Group website at [www.coreumgroup.com] (the “Website”) owned and operated by Coreum Real Estate Solutions Limited (“Coreum”, “We”, “Our”, or “Us”).  The Website is an intermediary technology platform that allows persons to independently review and subscribe for real estate offerings.  These Terms govern your access and use of the Website and all publicly available content, services and/or products provided through the Website (collectively, the “Services”).  Visitors on the Website and users of the Services, whether you register for an account or not, are referred to herein individually as “User” and collectively as “Users”.  You acknowledge that Coreum is not a registered broker-dealer, investment advisor or crowdfunding portal and does not engage in any conduct that would require registration with the Securities Exchange Commission or the Nigerian Stock Exchange.  In addition, the Services are not available to the public, and are only available to a User upon registration after meeting the required criteria and at the discretion of Coreum.  Registration does not automatically entitle Users with access to the Services, and once a User is granted access to the Website or Services, such access right is not transferable to any other person.  The Services are offered to you, subject to your acceptance, without modification of all of the terms and conditions contained herein and all other operating rules, policies (including without limitation Coreum’s Privacy Policy which can be found at [www.coreumgroup.com/privacy-policy]), any future modifications that may be published from time to time without notice to you or liability for such change on the Website or otherwise provided to you, and any additional terms and conditions to which you have agreed in connection with specific features, applications, products, or services provided by the Website or the Services (collectively, the “Terms”).  In order to access certain features of the Services, you will have to create an account and become a registered user of the Website, thereafter if you qualify, you will be granted access to the registered user-only restricted services (the “Restricted Services”).  In connection with registration for the Services, you may be asked to enter a separate agreement with Coreum, the terms of which are hereby incorporated into these Terms by reference.  If you are entering into these Terms on behalf of any third-party, you represent that you have the legal authority to bind that entity to these Terms and these Terms are not transferable between or among persons.  BY ACCESSING, BROWSING, AND/OR OTHERWISE USING THE WEBSITE, INCLUDING ANY SUBDOMAIN, OR THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE AND ALL OTHER POLICIES AND PROCEDURES POSTED ON THE WEBSITE.


Changes to the Terms of Use

Your use of the Website and the Services is governed by the current version of these Terms at the time of use.  While, we may make changes to these Terms from time to time, if we do this, we will post the updated version of the Terms of Use on the Website and will indicate at the top of this page the date that the Terms of Use were last revised.  You understand and agree that your continued use of the Services or the Website after we have made any such changes constitutes your acceptance of the new Terms. Your use of the Website and the Services is governed by the then-current version of the Terms in effect on the date of such use.  Coreum may, at its sole discretion, modify the Terms and/or other policies and procedures governing the Service at any time without notice or liability by posting the modified Terms, policies or procedures to the Website and revising the “Updated” date.


Scope of the Restricted Service

Coreum is a member-based technology platform that that allows selected participants to independently review and subscribe for real estate offerings provided by the Website.  Coreum’s role is limited to identifying, evaluating properties listed on the Website and providing the platform on which members subscribe for such real estate offerings.



Coreum takes the privacy of its Users very seriously.  Please read Coreum’s Privacy Policy, which is hereby incorporated into these Terms by reference, for information relating to our collection, use and disclosure of your personal information.


Certain Reserved Rights

Coreum reserves the right, in its sole discretion and without notice, to change, delete, improve or correct any information, content, materials and descriptions provided on the Website and to suspend and/or deny access to the Services at any time, including but not limited to, for scheduled or unscheduled maintenance, upgrades, improvements or corrections.  Coreum may discontinue or change any product or service described in, or offered on, or through, the Services at any time. Coreum further reserves the right, in its sole discretion, to block or otherwise discontinue your access and use of the Services at any time and for any or no reason and without any liability.  You agree that Coreum will not be liable to you or to any third party for any such modification, suspension or discontinuance.  Upon termination of these Terms of Use or your access to the Website for any reason or no reason, you will continue to be bound by these Terms of Use which, by their nature, should survive termination, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.  The information and materials on the Website may contain typographical errors or inaccuracies.  Any dated information is published as of its date only, and Coreum does not undertake any obligation or responsibility to update or amend any such information. You agree that Coreum and its subsidiaries and affiliates will not be liable to you or to any third party for any such modification, suspension or discontinuance.


Authorised User

THE SERVICES ARE OFFERED ONLY TO USERS WHO ARE AT LEAST THE LEGAL AGE OF MAJORITY IN THE JURISDICTION IN WHICH THEY RESIDE OR ARE LOCATED. BY USING THE SERVICES, YOU REPRESENT THAT YOU ARE ABLE TO LEGALLY CONTRACT IN THE JURISDICTION IN WHICH YOU ARE LOCATED.  You may access the Website generally and/or browse generally without registering with the Website.  In order to access the Restricted Services, you must register to create an account and meet certain criteria.  You must complete the registration process by providing us with current, complete and accurate information. You are solely responsible for updating any and all pertinent registration information.  Failure to do so shall constitute a breach of these Terms, which may result in immediate termination of your account. You will also choose a password and a user name. Coreum reserves the right in its sole discretion to refuse registration of, or cancel a user name.  You are solely responsible for maintaining the confidentiality of your password and account. You agree to notify Coreum immediately in writing of any unauthorised use of your account or any other breach of security.  You agree that you will not share your password, let anyone else access your account, or do anything else that might jeopardise the security of your account.  You acknowledge and agree that you are liable for any damages or losses to Coreum and other Users by any unauthorised or authorised use of your account.  Although the Website may provide data, information or content provided by third-parties or us relating to investment strategies and/or opportunities to buy and/or sell securities, you should not interpret any such content as tax, legal, financial, or investment advice or a recommendation to invest in any offering posted on the Website.  Any decision to invest shall be based solely on your own consideration and analysis of the risks involving a particular offering and is made at your own risk. You acknowledge and agree that you are solely responsible for determining the suitability of an investment or strategy and accept the risks associated with such decisions, which include the risk of losing the entire amount of your principal.  We have no special relationship with, or fiduciary duty to, you and your use of the Website or the Services does not create such a relationship.  You are strongly advised to consult a licensed legal professional and investment advisor for any legal, tax, insurance, or investment advice as the Website does not provide any of the foregoing advice or recommendations.


Prohibited Conduct

You agree that you are responsible for your own conduct while using the Services and for any consequences thereof. You agree to use the Services only for purposes that are legal, proper and in accordance with these Terms and any applicable law, rules or regulations (including without limitation the Investment and Securities Act 2007, the Rules and Regulations of the Securities and Exchange Commission made pursuant to the Investment and Securities Act, 2013 any and all rules issued by the Nigerian Stock Exchange and the Companies and Allied Matters Act 2004 and any other applicable Nigerian federal or state laws, regulations and rules.  Any suspected fraudulent, abusive, or illegal activity may be referred to appropriate law enforcement authorities.  By way of example, and not as a limitation, you agree that you may not:

      1. use the Services in any manner that could damage, disable, overburden, or impair the Services, or interfere with any other person’s use and enjoyment of the Services;
      2. attempt to gain unauthorised access to the Website, the Services, any other Coreum website or service, or the computer systems or networks connected to the Services through hacking, password mining or any other means;
      3. create user accounts by automated means or under false or fraudulent pretences;
      4. transmit any viruses, worms, defects, Trojan horses, or any items of a destructive nature;
      5. defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others;
      6. upload, post, email or transmit, or otherwise make available through the Services any inappropriate, defamatory, infringing, obscene, or unlawful content;
      7. upload, post, email or transmit, or otherwise make available through the Services any content that infringes any patent, trademark, copyright, trade secret or other proprietary right of any party, unless you are the owner of such rights or have the permission of the owner to post such content;
      8. upload, post, email or transmit, or otherwise make available through the Services any materials that promote pyramid schemes, chain letters or disruptive commercial messages or advertisements, or anything else prohibited by law, the Terms;
      9. download any file posted by another User that you know, or reasonably should know, cannot be legally distributed in such manner;
      10. impersonate another person or entity, or falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of any materials;
      11. remove any copyright, trademark or other proprietary rights notices contained in or on the Services;
      12. use any robot, spider, site search/retrieval application, or other device to retrieve or index any portion of the Services or collect information about its Users for any unauthorised purpose;
      13. submit content that falsely expresses or implies that such content is sponsored or endorsed by Coreum, any of its affiliates or any third parties;
      14. promote or provide instructional information about illegal activities or promote physical harm or injury against any group or individual;
      15. share with or disclose to anyone any information obtained through the Services about any investment offerings; or
      16. contact any party or User other than as allowed through the Services.

Restricted Services

The Restricted Services offered on this Website may only be accessed by registered Users.  The services and access thereof, are not transferable and any invitation received by you, cannot be used for the benefit of any other person.  You are granted access to the Restricted Services by virtue of your membership on the platform.  Nigerian securities law and regulations restrict offers or solicitation by private companies to the public and so, before you participate in the Restricted Services, you must be a registered User of the Website.  Prior to providing you with an account, you may be asked to provide us with various information.  You acknowledge and agree that all information you provide for the registration is complete and accurate.  

Service Fees

Coreum charges Members a platform fee of 5% (five per cent) of the cost of each asset purchased by the Platform.  A 10% (ten per cent) agency fee is also charged. Coreum may charge additional fees which vary from time to time and is not responsible for any levies, taxes, charges governmental or otherwise in respect of the Platform.



Once paid, all contributions, payments and fees made by Members are non-refundable. 


Member Profits


At the point of sale of an asset under the Buy-Hold-Sale option, Members shall be entitled to 93% of all profits realised upon the disposal or sale of the asset.  All other profits shall be reserved for the Platform.  For the avoidance of doubt, profit shall be defined as the difference between the sale proceeds and the cost of the assets.


Proprietary Rights

Coreum and its affiliates own all rights, title and interest in the Website and the Services, including but not limited to (i) the visual interfaces, graphics, design, systems, methods, information, computer code, software, services, “look and feel” organisation, compilation of the content, code, and data, and (ii) all content on the Website, including, without limitation, all articles, documents, brochures, presentations, pictures, images, audio-visual works, other informational materials and any user comments (collectively, the “Coreum Materials”).  The Coreum Materials are protected by copyright, trademark, patent, trade secret, and other intellectual property laws and proprietary rights.  You agree to comply with all applicable laws by not copying or using proprietary content, except as allowed by these Terms or by written consent of the owner of the proprietary rights.  Coreum hereby grants you a non-exclusive, non-transferable license to download and print the Coreum Materials for your personal, non-commercial use only, provided that you retain all copyright and proprietary notices that are contained in such portion of the Coreum Materials.  You may not modify, distribute, share, disclose, transmit, display, reproduce, publish, license, create derivative works from, transfer, or otherwise use the Coreum Materials in any other way, except with the prior written consent of Coreum.  You agree that you will not develop or assist anyone else with developing a website or materials that are substantially similar to or based in substantial part on the Coreum Materials.  Your access to or use of the Website does not grant or transfer to you ownership interest or any rights in the Coreum Materials other than those rights expressly granted in these Terms.


User Content


You and other users may submit, post, transmit and share comments or materials on or through the Website (“User Content“).  You are solely responsible for User Content that you post, transmit, or share on or through the Website, as well as for any actions taken by Coreum or other Users as a result of your User Content.  You agree and understand that you may be exposed to User Content posted by others that is inaccurate, inappropriate, misleading, unlawful, offensive or otherwise objectionable, and that Coreum makes no representations or warranties regarding User Content and is not responsible for the accuracy, usefulness, or intellectual property rights of, or relating to, User Content.  You hereby waive any legal or equitable rights or remedies that you have or may have against Coreum with respect to User Content posted by you or others.  Coreum has no obligation to monitor, review, control, or guarantee the accuracy or confidentiality of User Content.  However, Coreum reserves the right at all times (but will not have an obligation) to remove or edit any User Content in its sole discretion, with or without notice.  You represent and warrant that all information that you provide to Coreum or through the Website is accurate, complete and truthful.  Coreum and its affiliates and agents are entitled to rely upon the information you provide as true, accurate and complete without independent verification.  We reserve the right to suspend or terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, not current or incomplete.  You retain all right, title, and interest in your User Content. By posting, transmitting, or sharing your User Content on or through the Website, you hereby (i) grant to Coreum and its affiliates, sub-licensees, partners, designees, and assignees, a worldwide, non-exclusive, fully paid-up, royalty-free, perpetual, irrevocable, sub-licensable, and transferable license to use, reproduce, distribute, modify, adapt, prepare derivative works of, publicly display, publicly perform, and otherwise exploit your User Content and derivatives thereof for any purpose and in any media form, and (ii) grant to other Website users a non-exclusive license to access or otherwise use your User Content for personal or commercial use. You hereby affirm, represent, and warrant that: (i) you either own the User Content or have the necessary licenses, rights, consents, and permissions to grant the rights and license set forth herein, and (ii) the User Content or any use of the User Content pursuant to this Agreement, does not and will not: (a) infringe, violate, or misappropriate any third-party right, including any intellectual property or proprietary right; (b) violate any applicable laws, rules, or regulation (including, without limitation, United States federal and state securities laws); or (c) require Coreum to obtain a license from or pay fees or royalties to any third party



If you provide Coreum with any comments, bug reports, feedback, or proposed modifications for the Services (“Feedback”), Coreum shall have the right to use the Feedback at its discretion, including, but not limited to the incorporation of suggested changes into the Services.  You hereby grant Coreum a perpetual, irrevocable, non-exclusive license to incorporate and use your Feedback for any purpose.


Linked Sites

The Website may contain links to third party websites (“Linked Sites”).  These links are provided only as a convenience.  The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Coreum of any information, materials, products, or services contained in or accessible through any Linked Sites.  In no event shall Coreum be responsible for the information contained on any Linked Site or your use of or inability to use any Linked Site.  When you access Linked Sites, you do so at your own risk, and subject to the Linked Site’s terms and policies.



Coreum may terminate these Terms and your right to use the Services at any time and for any reason without notice.  Upon termination or expiration of these Terms, Coreum may remove and discard any Coreum Materials or User Content, and such materials and content may no longer be accessible by you.  Coreum will have no obligation to maintain any such information in its databases or to forward any such information to you or any third party. You agree that Coreum will not be liable to you or any third party for any such termination except as described in these Terms. Upon termination or expiration of these Terms, any provision, which, by its nature or express terms should survive, will survive such termination or expiration.


The Restricted Service; No Professional Advice Provided

The Restricted Services are only suitable for Users who are familiar with and willing to accept the high risks associated with private investments, including the risk of complete loss of your investment. Securities sold through private placements are not publicly traded and, therefore, are illiquid unless registered with the SEC. Additionally, securities may be subject to restrictions on resale or transfer including holding period requirements. Investing in private placements requires high risk tolerance, low liquidity need, and long-term commitments. Users must be able to afford to lose their entire investment. Investment products are not NDIC insured, may lose value, and there is no bank guarantee. None of the information contained on the Website or provided through the Services constitutes a recommendation, solicitation or offer by Coreum, its affiliates or third-parties to buy or sell any securities, futures, options or other financial instruments or other assets or provide any investment advice or service. All information contained in the Services has been prepared without reference to any particular User’s investment requirements or financial situation. The Services are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority, regulatory or self-regulatory organization or clearing organization, or where Coreum is not authorized to provide such information or services. Some Services may not be available in all jurisdictions or to all clients. The Services and all content, services and features available through the Services are intended for informational purposes only. They are not intended to substitute for professional investment, financial or legal advice. YOU ACKNOWLEDGE THAT YOU ARE NOT RELYING ON COREUM OR ANY OF ITS AFFILIATES, OFFICERS, DIRECTORS, PARTNERS, AGENTS, OR EMPLOYEES IN MAKING AN INVESTMENT DECISION. ALWAYS CONSIDER SEEKING THE ADVICE OF A QUALIFIED PROFESSIONAL BEFORE MAKING DECISIONS REGARDING YOUR BUSINESS AND/OR INVESTMENTS. COREUM DOES NOT ENDORSE ANY INVESTMENTS AND SHALL NOT BE RESPONSIBLE IN ANY WAY FOR ANY TRANSACTIONS YOU ENTER INTO WITH OTHER USERS. YOU AGREE THAT COREUM AND ITS AFFILIATES, OFFICERS, DIRECTORS, PARTNERS, AGENTS, OR EMPLOYEES WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS BETWEEN YOU AND OTHER USERS. Featuring of or posting on the Website of any OFFERING does not constitute endorsement by Coreum or representation of the quality of any potential investment in such offering. Coreum does not endorse any Issuer or any underlying assets. The securities being offered have not been registered under the Securities Act, in reliance, among other exemptions, on the exemptive provisions of Regulation D under the Securities Act. Issuers represent and warrant that each offering is structured to qualify as an exempt investment entity under Section 3(c)(1) of the Investment Company Act of 1940, as amended (the “Investment Company Act”), which provides an exemption from registration for a private investment company. No assurance can be given that any offering currently qualifies or will continue to qualify under one or more of exemptive provisions from registration due to, among other things, the adequacy of disclosure and the manner of distribution, the existence of similar offerings in the past or in the future, or a change of any securities law or regulation that has retroactive effect. No governmental agency has reviewed the offerings posted on this Website and no state or federal agency has passed upon either the adequacy of the disclosure contained herein or the fairness of the terms of any offering. The exemptions relied upon for such offerings are significantly dependent upon the accuracy of the representations of the Users to be made to the Website and issuers posting offerings on the Website in connection with the offering. In the event that any such representations prove to be untrue, the registration exemptions relied upon by an issuer in selling the securities might not be available and substantial liability to such issuer would result under applicable securities laws for rescission or damages. These risks are non-exhaustive and are intended to highlight certain risks associated with investing in securities that are not registered with the SEC. We strongly advise you to consult a legal, tax and financial professional before investing, and carefully review all the specific risk disclosures provided as part of any offering materials AND ASK THE ISSUER ANY QUESTIONS YOU MAY HAVE OR REQUEST ADDITIONAL INFORMATION. Coreum receives no commission or transaction-based compensation in connection with the purchase or sale of securities through the Website but may receive fixed fees for services. Coreum is not a registered broker-dealer, funding portal, investment adviser or investment manager, and does not offer investment advice or advise on the raising of capital through securities offerings. Coreum does not recommend or otherwise suggest that any investor make an investment in a particular offering, or that any Issuer offer securities to a particular Investor. Coreum takes no part in the negotiation or execution of transactions for the purchase or sale of securities, and at no time has possession of or access to funds or securities. Coreum cannot guarantee that Issuers posting offerings on the Website will use the proceeds of any offering in accordance with the stated purpose. Users acknowledge and agree that Coreum makes no representation, warranty or assurance that the offering posted on the Website are made in accordance with Federal and/or state securities law, including the exemption to the sale of unregistered securities, or the legality of any offerings therein.

User Interactions and Disagreements

The Services may allow you to interact with other Users who may provide you with investments, investment information, advice, services and/or events, or provide you with other information about various companies or organizations. You acknowledge that other Users are not affiliated with or controlled by Coreum or its affiliates, and Coreum cannot influence the investments, information, advice or services provided by them. Your interaction with other Users is solely between you and such other Users. YOU AGREE THAT COREUM AND ITS AFFILIATES WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT INCURRED AS THE RESULT OF ANY INTERACTIONS BETWEEN YOU AND OTHER USERS. Furthermore, if you provide any investments, information, advice or services to other Users through the Services, you acknowledge that you are not affiliated with, or controlled or influenced in any way by, Coreum or its affiliates. If you have a dispute with one or more Users, you irrevocably and forever release Coreum (and Coreum’s affiliates, officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

No Warranties

THE SERVICES, THE WEBSITE, THE COREUM MATERIALS, USER CONTENT, AND ANY OTHER INFORMATION AND MATERIALS MADE AVAILABLE IN CONJUNCTION WITH OR THROUGH THE WEBSITE OR THE SERVICES ARE PROVIDED “AS IS”, “AS AVAILABLE” AND “WHEN AVAILABLE” WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, COREUM DISCLAIMS ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COMPLIANCE WITH LAWS, CORRECTNESS, ACCURACY, AND RELIABILITY. WITHOUT LIMITING THE FOREGOING, COREUM MAKES NO REPRESENTATION OR WARRANTY (A) WITH RESPECT TO THE MERITS AND RISKS OF ANY TRANSACTIONS MADE BY OR THROUGH THE WEBSITE OR THE SERVICES, OR (B) THAT USE OF THE SERVICES AND WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. Without limiting the generality of the foregoing, Coreum makes no warranty or representation as to the completeness or accuracy of the information provided on the Website, nor as to any Issuer’s compliance with the Investment Company Act, the Investment Advisers Act or the Securities Act. To the maximum extent permissible under law, Coreum assumes no liability or responsibility for any errors or omissions in the content of the Website. Coreum does not endorse or represent the reliability or accuracy of any content or information distributed through or accessed from the Website, and has not performed any investigation into such information. Coreum shall not be liable for any investment decisions made based upon such information. You agree that any reliance upon any content or information distributed through or accessed from the Website is at your sole risk. Coreum is entitled to rely upon the information provided by its Users. You acknowledge and agree that Coreum does not provide any representation, warranty or assurance that the offering on the Website are made in accordance with state and/or Federal securities law, including the exemption to the sale of unregistered securities and the prohibition against the general solicitation of unregistered securities. Each issuer, and not the Website, is responsible for ensuring that any securities offering is done in accordance with state, federal law and regulation promulgated by the SEC and Financial Industry Regulatory Authority. We make no representation or warranties regarding the legality or compliance of any offering. Coreum has not reviewed all of the links provided on the Website and is not responsible for the content of any off-Website pages. Clicking on hyperlinks and visiting any off-Website pages is solely done at your own risk. All representations and warranties made by a Portfolio Company to an issuer pursuant to the securities offering are hereby incorporated by reference.



To the fullest extent permissible by law, you agree to defend, indemnify, and hold Coreum and its directors, officers, employees, and agents harmless from any claim, demand, loss, damage, liability, or expense, including attorney fees and costs, however incurred, including those incurred at trial, in any bankruptcy proceeding and on appeal (collective, “Damages”) to the extent that such Damages result directly or indirectly from your use of, or misuse of, or access to, the Services or the Website.  Coreum reserves the right to assume, at its sole expense, the exclusive defense and control of any such claim or action and all negotiations for settlement or compromise, and you agree to fully cooperate with Coreum in the defense of any such claim, action, settlement or compromise negotiations, as requested by Coreum.

Limitation of Liability and Damages

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL COREUM OR ITS DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES OR THE WEBSITE, EVEN IF COREUM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU ACKNOWLEDGE AND AGREE THAT COREUM HAS OFFERED ITS SERVICES AND ENTERED INTO THE TERMS IN RELIANCE UPON THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN, THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK BETWEEN YOU AND COREUM, AND THAT THE WARRANTY DISCLAIMERS AND THE LIMITATIONS OF LIABILITY SET FORTH HEREIN FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND COREUM. COREUM WOULD NOT BE ABLE TO PROVIDE THE SERVICES TO YOU ON AN ECONOMICALLY REASONABLE BASIS WITHOUT THESE LIMITATIONS. Please note that some jurisdictions may not allow the exclusion of implied warranties or limitation of incidental or consequential damages, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. Coreum assumes no responsibility for, and shall not be liable for, any damages to or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from the Website. We do not, and cannot, guarantee that any Investor is actually an Accredited Investor (as defined above).


Except as explicitly stated otherwise, legal notices to Coreum should be emailed to info@Coreum.com. Legal notices to you will be provided either to the email or mail address you provide to Coreum during the account registration process or posted on the Website. Notice will be deemed given 24 hours after email is sent, unless the sending party is notified that the email address is invalid. Notice will be deemed given three days after the date of mailing or posting on the Website, as applicable. You agree that all notices and other communications that Coreum provides to you electronically (by email or by posting on the Website) satisfies any legal requirement that such notice or communication be in writing.


In the event of any claim, controversy or alleged dispute between you and Coreum, its members or affiliates , you hereby agree to attempt in good faith to amicably resolve any Dispute at least thirty (30) days before instituting any legal proceeding. Each party agrees to submit any Dispute for resolution by final binding arbitration after serving written notice, which notice shall set forth in detail the controversy, question, claim or alleged breach along with your attempt to resolve such Dispute. The parties may endeavor to resolve disputes by mediation at any time as they may agree, provided, however, that resolution of disputes by mediation is not required prior to initiating resolution of disputes by arbitration. Notwithstanding anything to the contrary in this paragraph, Coreum may seek injunctive relief in any court having jurisdiction. In any arbitration and subject to the ultimate discretion of the presiding arbitrator, each side will be limited to a maximum of one (1) day of argument (including rebuttal), and the parties agree in good faith to minimize discovery burdens (e.g. confine the scope to actual areas in dispute and limit the topics and number of pages on which information is requested to matters directly relevant). The decision(s) of the arbitrator shall be final and binding and may not be appealed to any court of competent jurisdiction, or otherwise, except upon claim of fraud or corruption as by law provided, provided, however, that implementation of such decision(s) shall in no way be delayed or otherwise impaired pending the outcome of any such appeal. Judgment upon the award rendered in such arbitration may be entered by any court having jurisdiction thereof. You agree that all Disputes will be limited between you, individually, and Coreum. To the full extent allowable by law, you agree that no arbitration proceeding or other dispute resolution proceeding shall be joined with any other party or decided on a class-action basis. Notwithstanding the foregoing, you agree that the following matters shall not, at the election of Coreum, be subject to binding arbitration: (1) any Dispute related to, or arising from allegations of criminal activity; (2) any Disputes concerning Coreum’s intellectual property rights; and (3) any claim for injunctive relief.


Choice of Law

The Terms and your use of the Services shall be governed by, construed and enforced in accordance with the laws of Nigeria.  Any and all disputes arising hereunder shall be resolved by a competent court having jurisdiction over such matters in the Federal Republic of Nigeria.


Third-Party Sites

The Website may contain links to third party websites (“Third-Party Sites”). These links are provided only as a convenience to you. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Coreum of any information, materials, products, or services contained in or accessible through any Third-Party Site. In no event shall Coreum be responsible for the information contained on any Third-Party Sites or your use of or inability to use any Third-Party Sites. You acknowledge and agree that Coreum shall not be liable or responsible, directly or indirectly, for any damage or loss caused or alleged to be caused by or related to the use of or reliance on any content, goods, or services available through any third-party website or resource. YOU AGREE THAT ACCESS AND USE OF THIRD-PARTY SITES, INCLUDING THE INFORMATION, MATERIAL, PRODUCTS, AND SERVICES ON THIRD-PARTY SITES OR AVAILABLE THROUGH THIRD-PARTY SITES, IS SOLELY AT YOUR OWN RISK AND DISCRETION. Your access and use of the Third-Party Sites are governed by the Terms of Use and Privacy Policies of these Third-Party Sites. We strongly encourage you to carefully review the Terms of Use and the Privacy Policies of any Third Party Services from which you access through our Website.



If you are located outside of Nigeria, you use or access the Website solely at your own risk and initiative. The Service is controlled and operated from facilities within Nigeria and Coreum makes no representations that the Service is appropriate or available for use in any other jurisdictions. Accessing the Service is prohibited from territories where using such Services is prohibited or where the content is prohibited.  The Services are only directed at, or intended for use by persons in jurisdictions that permit such offerings. You acknowledge and agree that it is solely your responsibility to be aware of the applicable laws and regulations of your country of residence.  The content, material and information contained on the Website does not constitute an offer or solicitation and may not be treated as an offer or solicitation to the public.  


Entire Agreement

The Terms (including the documents and instruments referred to in the Terms) constitute the entire agreement and understanding of the parties with respect to the subject matter of the Terms, and supersede all prior understandings and agreements, whether written or oral, among the parties with respect to such subject matter.


Force Majeure

Neither party will be responsible for failure to perform any obligation under these Terms due to causes beyond the reasonable control of such party, including but not limited to strikes, lockouts, riots, epidemics, war, government regulation, fire, flood, natural disasters, Acts of God, or any other cause beyond the reasonable control of such party.



If any provision of the Terms is found unenforceable, that provision will be deemed to be modified to the extent necessary to make it enforceable, while preserving its intent.  If any provision of the Terms is nonetheless held unenforceable in any jurisdiction, the provision will be enforced to the maximum extent permissible in that jurisdiction, and the enforceability of the Terms in any other jurisdiction and of the remaining provisions in that jurisdiction will not be affected.  You further agree to replace such void or unenforceable provision of this Agreement with a valid and enforceable provision that will achieve, to the extent possible, the economic, business and other purposes of such void or unenforceable provision.


Waiver and Integration

A provision of these Terms may be waived only by a written instrument executed by the party entitled to the benefit of such provision. The failure of any party at any time to require performance of any provision of these Terms will in no manner affect such party’s right at a later time to enforce such right.  A waiver of any breach of any provision of these Terms will not be construed as a continuing waiver of other breaches of the same or other provisions of these Terms.


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