👋 Welcome to Our Terms of Service
Thank you for visiting Daily Reality NG! These Terms of Service and Disclaimer govern your use of our website, services, and content. By accessing or using dailyrealityngnews.blogspot.com, you agree to be bound by these terms. Please read them carefully before proceeding.
Important: If you do not agree with any part of these terms, please do not use our website or services.
📅 Last Updated: November 28, 2025 | Effective Date: November 28, 2025
✅ 1. Acceptance of Terms
By accessing, browsing, or using Daily Reality NG (dailyrealityngnews.blogspot.com), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy.
⚡ Key Points:
- These terms constitute a legally binding agreement between you and Daily Reality NG
- Your continued use of our website signifies your acceptance of any updates or modifications to these terms
- If you are using our services on behalf of an organization, you represent that you have authority to bind that organization to these terms
- Users under 18 years of age should obtain parental or guardian consent before using our services
What This Means for You
As a Daily Reality NG reader, you're part of our community. We're committed to providing valuable, accurate, and engaging content about Nigerian realities, personal finance, lifestyle, business, and technology. In return, we ask that you use our platform responsibly and respect our guidelines.
🌐 2. Description of Services
Daily Reality NG is a digital publishing platform that provides:
- Educational Content: Articles, guides, and resources on personal finance, business, technology, and lifestyle topics relevant to Nigerians
- News & Analysis: Current events, trends, and insights affecting daily life in Nigeria
- Tools & Calculators: Interactive resources including freelance rate calculators, income trackers, and investment tools
- Community Resources: Forums, expert contributions, and reader engagement opportunities
- Newsletter Services: Email subscriptions for updates and exclusive content
💡 What We Offer:
We strive to deliver high-quality, well-researched content that empowers Nigerians to make informed decisions about their finances, careers, and daily lives. However, our content is for informational and educational purposes only.
Service Availability
While we aim to provide uninterrupted access to our services, we do not guarantee that our website will be available at all times. We reserve the right to modify, suspend, or discontinue any aspect of our services without prior notice.
👤 3. User Conduct & Responsibilities
When using Daily Reality NG, you agree to:
✅ Acceptable Use
- Use our content for personal, non-commercial purposes unless otherwise agreed
- Respect intellectual property rights and provide proper attribution when sharing our content
- Engage respectfully in community forums and comment sections
- Provide accurate information when subscribing to newsletters or contacting us
- Report any technical issues, errors, or inappropriate content to our team
❌ Prohibited Activities
🚫 You Must Not:
- Copy, reproduce, or redistribute our content without permission
- Use automated systems (bots, scrapers) to access or collect data from our website
- Attempt to gain unauthorized access to our systems or user accounts
- Upload malicious code, viruses, or harmful software
- Impersonate Daily Reality NG staff, contributors, or other users
- Engage in harassment, hate speech, spam, or illegal activities
- Use our platform to promote fraudulent schemes or misleading information
- Interfere with or disrupt our services or servers
Consequences of Violations
We reserve the right to take appropriate action against users who violate these terms, including but not limited to: warning notices, temporary suspension, permanent bans, and legal action where necessary.
©️ 4. Intellectual Property Rights
All content on Daily Reality NG, including but not limited to text, graphics, logos, images, videos, audio, software, and design elements, is the property of Daily Reality NG or our content providers and is protected by Nigerian and international copyright laws.
Our Rights
- Copyright: All original content is copyrighted © 2025 Daily Reality NG
- Trademarks: "Daily Reality NG" and our logo are trademarks of our organization
- Database Rights: Our compilation and arrangement of content is protected
- Exclusive Rights: We retain all rights to reproduce, distribute, and display our content
Your Limited License
📜 What You Can Do:
We grant you a limited, non-exclusive, non-transferable license to:
- Access and view our content for personal, non-commercial use
- Share links to our articles on social media with proper attribution
- Print individual articles for personal reference
- Quote brief excerpts (maximum 300 words) with proper citation and link back to the original article
What Requires Permission
For any use beyond the limited license above, including commercial use, republication, syndication, or creating derivative works, you must obtain written permission from Daily Reality NG. Contact us at our designated email for licensing inquiries.
User-Generated Content
If you submit content to us (comments, forum posts, guest articles, testimonials), you grant Daily Reality NG a worldwide, royalty-free, perpetual license to use, modify, publish, and distribute that content across our platforms. You represent that you own or have rights to any content you submit.
⚠️ 5. Disclaimers & Limitations
⚡ Important Legal Notices:
Please read these disclaimers carefully. They limit our liability and set expectations for your use of our services.
5.1 General Information Disclaimer
The content on Daily Reality NG is provided for general informational and educational purposes only. It is not intended as, and should not be construed as:
- Professional financial, investment, or legal advice
- Medical or health advice
- Tax or accounting guidance
- Professional business consulting
- Career counseling or employment advice
5.2 Financial Disclaimer
💰 Investment & Financial Information:
NOT FINANCIAL ADVICE: While we provide content about personal finance, investments, business opportunities, and economic topics, none of our content constitutes professional financial advice. We are not licensed financial advisors, investment professionals, or certified accountants.
- All financial decisions should be made in consultation with qualified professionals
- Past performance does not guarantee future results
- We do not endorse specific investments, products, or services unless explicitly stated as sponsored content
- You are solely responsible for your financial decisions and their outcomes
- Investment involves risk, including possible loss of principal
5.3 Accuracy & Completeness
While we strive for accuracy and conduct fact-checking, we make no warranties or representations about:
- The accuracy, reliability, or completeness of our content
- The timeliness or currentness of information (market conditions, laws, and facts change)
- The suitability of information for your specific circumstances
- The absence of errors, omissions, or technical issues
5.4 External Calculators & Tools
Our interactive tools (freelance rate calculator, income tracker, solar investment calculator) are provided for estimation purposes only. Results should not be relied upon for critical financial decisions. Always verify calculations with professionals and conduct thorough due diligence.
5.5 "As Is" & "As Available" Basis
Daily Reality NG is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied, including but not limited to:
- Warranties of merchantability
- Fitness for a particular purpose
- Non-infringement
- Uninterrupted or error-free service
- Accuracy or reliability of information
5.6 Nigerian Context Disclaimer
🇳🇬 Nigeria-Specific Content:
Our content is primarily focused on Nigerian contexts, markets, and regulations. Information may not be applicable or accurate for readers outside Nigeria. Laws, regulations, tax codes, and market conditions vary by jurisdiction.
5.7 No Professional Relationship
Your use of Daily Reality NG does not create any professional-client relationship, fiduciary duty, or advisory relationship between you and Daily Reality NG, its owners, contributors, or affiliates.
🔗 6. Third-Party Links & Content
External Links
Daily Reality NG may contain links to third-party websites, products, or services. These links are provided for your convenience and reference only.
⚠️ Third-Party Disclaimer:
- No Endorsement: We do not endorse, control, or assume responsibility for third-party websites or services
- No Liability: We are not responsible for the content, accuracy, privacy practices, or availability of external sites
- Independent Review: You should review the terms and policies of any third-party site before using it
- Your Risk: Accessing third-party links is at your own risk
Affiliate Relationships
Some links on Daily Reality NG may be affiliate links, meaning we may earn a commission if you make a purchase through these links. This does not affect the price you pay. All affiliate relationships are disclosed in accordance with our Affiliate Disclosure Policy.
Sponsored Content
Sponsored articles, reviews, or content created in partnership with brands are clearly labeled as "Sponsored," "Partnered," or "Advertorial." While we maintain editorial integrity, sponsored content represents collaborative work with commercial partners.
User-Generated Content
Comments, forum posts, and user contributions do not reflect the views or opinions of Daily Reality NG. We are not responsible for content posted by users, though we reserve the right to moderate, remove, or edit such content.
🛡️ 7. Limitation of Liability
⚖️ Maximum Legal Protection:
TO THE FULLEST EXTENT PERMITTED BY LAW, DAILY REALITY NG, ITS OWNERS, EMPLOYEES, CONTRIBUTORS, PARTNERS, AND AFFILIATES SHALL NOT BE LIABLE FOR:
7.1 Types of Damages Excluded
- Direct Damages: Any loss or damage arising from your use of our website or services
- Indirect Damages: Lost profits, revenue, data, or business opportunities
- Consequential Damages: Any secondary or indirect losses resulting from your use
- Incidental Damages: Unforeseen losses or expenses
- Punitive Damages: Penalties or exemplary damages
- Special Damages: Unique or unusual losses
7.2 Specific Scenarios
Without limitation, we are not liable for losses arising from:
- Reliance on any information, advice, or content on our website
- Financial decisions made based on our content
- Errors, inaccuracies, or omissions in our content
- Technical failures, interruptions, or unavailability of services
- Unauthorized access to or alteration of your data
- Third-party actions, websites, or services
- Viruses, malware, or harmful code
- Loss of data or content
7.3 Aggregate Liability Cap
If, despite the above exclusions, we are found liable, our total aggregate liability shall not exceed the amount you paid to access Daily Reality NG (which, for free services, would be zero Nigerian Naira).
7.4 Jurisdictional Variations
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such cases, our liability will be limited to the maximum extent permitted by applicable law.
💡 What This Means:
You use Daily Reality NG at your own risk. We provide valuable content and resources, but we cannot be held responsible for decisions you make based on that content. Always seek professional advice for important decisions.
🤝 8. Indemnification
You agree to indemnify, defend, and hold harmless Daily Reality NG, its owners, employees, contributors, partners, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:
- Your use or misuse of our website or services
- Your violation of these Terms of Service
- Your violation of any rights of another person or entity
- Your breach of any applicable laws or regulations
- Content you submit, post, or transmit through our platform
- Your negligent or willful misconduct
Defense & Settlement
We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. You may not settle any claim without our prior written consent.
🔄 9. Modifications to Terms
Our Right to Update
Daily Reality NG reserves the right to modify, update, or change these Terms of Service at any time. When we make changes:
- We will update the "Last Updated" date at the top of this page
- Significant changes may be announced through our website, newsletter, or other communication channels
- Your continued use of our services after changes constitutes acceptance of the updated terms
- Previous versions may be archived for reference
📢 Stay Informed:
We recommend reviewing these terms periodically to stay informed of any updates. Significant changes that materially affect your rights will be prominently announced.
Effective Date of Changes
Unless otherwise stated, modifications become effective immediately upon posting. If you disagree with any changes, you should discontinue use of our services.
🚪 10. Termination
Termination by You
You may stop using Daily Reality NG at any time. If you have a newsletter subscription, you can unsubscribe using the link provided in our emails or by contacting us.
Termination by Us
We reserve the right to:
- Terminate or suspend your access to our services at any time, with or without notice
- Remove or disable content that violates these terms
- Close accounts engaged in prohibited activities
- Refuse service to anyone for any reason
Effects of Termination
⚠️ Upon Termination:
- Your right to access and use Daily Reality NG immediately ceases
- Provisions regarding intellectual property, disclaimers, and limitations of liability survive termination
- You remain liable for any obligations incurred before termination
- We are not liable for any consequences resulting from termination
🇳🇬 11. Governing Law & Dispute Resolution
Applicable Law
These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.
Jurisdiction
Any disputes arising out of or relating to these terms or your use of Daily Reality NG shall be subject to the exclusive jurisdiction of the courts located in Nigeria.
Dispute Resolution Process
⚖️ Resolution Steps:
- Informal Resolution: First, contact us to attempt to resolve the dispute informally
- Mediation: If informal resolution fails, both parties agree to attempt mediation before litigation
- Legal Action: As a last resort, disputes may be brought before Nigerian courts
Class Action Waiver
To the extent permitted by law, you agree that any dispute resolution proceedings will be conducted on an individual basis and not as a class action, consolidated action, or representative action.
Statute of Limitations
Any claim or cause of action arising from your use of Daily Reality NG must be filed within one (1) year after the claim arose, or it will be permanently barred.
📧 12. Contact Information
If you have questions, concerns, or feedback about these Terms of Service, please contact us:
General Inquiries
For questions about:
❓ Frequently Asked Questions
❔ Can I use Daily Reality NG content on my blog or website?
You may quote brief excerpts (up to 300 words) with proper attribution and a link back to the original article. For any larger use, republication, or syndication, you must obtain written permission. Contact us through our content licensing page.
❔ Is the financial advice on Daily Reality NG professional advice?
No. While we provide educational content about finance, investments, and business, our content is for informational purposes only and does not constitute professional financial, investment, or legal advice. Always consult with qualified professionals before making important financial decisions.
❔ Can I trust the calculators and tools on your website?
Our calculators provide estimates based on the information you input. While we strive for accuracy, results should be used for estimation purposes only. Always verify calculations with professionals and conduct thorough research before making critical decisions.
❔ What happens if I violate these Terms of Service?
Violations may result in warnings, temporary suspension, permanent bans, removal of content, or legal action depending on the severity. We reserve the right to take appropriate action to protect our platform and community.
❔ How often are these terms updated?
We review and update our Terms of Service as needed to reflect changes in our services, legal requirements, or business practices. The "Last Updated" date at the top indicates the most recent revision. Significant changes will be announced.
❔ Are you responsible for third-party websites you link to?
No. We provide links for your convenience, but we do not control, endorse, or assume responsibility for third-party websites, their content, privacy practices, or availability. You access external links at your own risk.
❔ Can I reproduce your entire articles?
No. Full reproduction of our articles without permission violates copyright law. You may share links, quote brief excerpts with attribution, or contact us for licensing arrangements for larger uses.
❔ What if I find an error in your content?
📬 Have Questions About These Terms?
Our team is here to help clarify any aspects of our Terms of Service. Don't hesitate to reach out!
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