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Terms of Use

Effective date: 17 July 2026 · Last updated: 17 July 2026

1. Agreement to these terms

These Terms of Use ("Terms") govern your access to and use of the CarnelianPearls Technologies Limited website at https://carnelianandpearls.com and any content, information, or services made available through it (together, the "Website"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, do not use the Website.

These Terms do not govern any separate written agreement for consulting, partnership, or other services. Where such an agreement exists, it takes precedence over these Terms for that engagement.

2. About us

The Website is operated by CarnelianPearls Technologies Limited, RC 8736251, a company incorporated in Nigeria with its registered office in Lagos, Nigeria.

3. Who may use the Website

You may use the Website only if you are at least 18 years old and able to form a legally binding contract under Nigerian law. By using the Website, you confirm that you meet these requirements.

4. Nature of our content and services

The Website provides information about CarnelianPearls and its areas of activity, including consulting and professional services, strategic partnerships and deal facilitation, our venture studio, and future opportunities.

Content on the Website is provided for general information only. It does not constitute:

  • professional, consulting, legal, tax, or technical advice;
  • an offer, solicitation, or recommendation to buy, sell, or invest in any security, asset, business, or opportunity;
  • investment, financial, or business advice on which you should rely; or
  • an offer to enter into a contract, unless expressly stated in a signed agreement.

Any consulting or professional relationship arises only under a separate written engagement agreement.

5. Partnerships, deals, and opportunities

Where the Website describes partnerships, deal facilitation, ventures, or opportunities:

  • descriptions are illustrative and may reference activities that are planned, in development, or aspirational;
  • CarnelianPearls acts as a facilitator or holding entity and is not, by virtue of the Website, a broker, dealer, investment adviser, or agent for any party;
  • nothing on the Website should be treated as a promise, guarantee, or representation of outcome, return, or performance; and
  • you should carry out your own due diligence and seek independent professional advice before acting on any opportunity.

6. Acceptable use

You agree not to:

  • use the Website for any unlawful, fraudulent, or harmful purpose;
  • attempt to gain unauthorised access to the Website, its systems, or its data;
  • introduce malware, viruses, or any harmful code;
  • scrape, harvest, or extract data except as permitted by law or with our written consent;
  • copy, reproduce, or exploit Website content beyond what these Terms permit; or
  • impersonate CarnelianPearls or misrepresent your affiliation with us.

We may suspend or restrict access to any user who breaches these Terms.

7. Intellectual property

All content on the Website, including text, graphics, logos, brand names, designs, and layout, is owned by or licensed to CarnelianPearls and is protected by applicable intellectual property law. The names "CarnelianPearls" and "CarnelianPearls Technologies Limited", and any related marks and product names, are the property of CarnelianPearls.

You may view and print Website content for your own lawful, non-commercial use. You may not otherwise copy, reproduce, distribute, republish, or create derivative works without our prior written consent.

8. Submissions and communications

If you send us ideas, proposals, feedback, or other communications through the Website, you confirm that you have the right to share them, and you grant us a non-exclusive, royalty-free right to use them to operate and improve our business, unless we agree otherwise in writing. Do not send confidential information through the Website unless a confidentiality agreement is in place.

9. Third-party links and content

The Website may link to third-party sites or contain third-party content. We provide these for convenience only and do not endorse, control, or accept responsibility for them. Your use of third-party sites is at your own risk and subject to their terms.

10. Disclaimers

The Website and its content are provided "as is" and "as available". To the fullest extent permitted by Nigerian law, we make no warranties, express or implied, regarding:

  • the accuracy, completeness, or currency of Website content;
  • uninterrupted, secure, or error-free access; or
  • fitness of the Website for any particular purpose.

You rely on Website content at your own risk.

11. Limitation of liability

To the fullest extent permitted by Nigerian law, CarnelianPearls, its directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive loss, or for any loss of profit, revenue, data, business, or goodwill, arising out of or in connection with your use of, or inability to use, the Website. Nothing in these Terms excludes liability that cannot lawfully be excluded.

12. Indemnity

You agree to indemnify and hold CarnelianPearls harmless against any claim, loss, liability, or expense (including reasonable legal fees) arising from your breach of these Terms or your unlawful or improper use of the Website.

13. Changes to the Website and these Terms

We may change, suspend, or withdraw any part of the Website at any time. We may also update these Terms from time to time. The current version will always be posted on this page with a revised date. Continued use of the Website after changes take effect means you accept the updated Terms.

14. Governing law and dispute resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute arising out of or in connection with these Terms or the Website will be subject to the exclusive jurisdiction of the courts of Nigeria, sitting in Lagos. The parties will first attempt in good faith to resolve any dispute through negotiation before commencing proceedings.

15. General

  • Severability: If any provision of these Terms is found unenforceable, the remaining provisions continue in full effect.
  • No waiver: Our failure to enforce any right or provision does not waive that right or provision.
  • Entire agreement: These Terms, together with our Privacy Policy, form the entire agreement between you and CarnelianPearls regarding the Website.

16. Contact

For questions about these Terms, contact:

CarnelianPearls Technologies Limited
Email: info@carnelianandpearls.com
Address: Lagos, Nigeria