Terms of Service

These terms are an agreement between you and Bluechip Insitech International Nig. Ltd (RC 9227826), a company registered in Nigeria, trading as InsiTech International. They apply when you use our website and our platforms: RealFlow Homes, TradeFlow Market, Assistant Analyst Data Engine, Qode Clarity and Faith Tracker (together, the “Services”).

By creating an account or using the Services you agree to these terms and to our Privacy Policy. You must be at least 18. If you use the Services for an organisation, you confirm you have authority to bind it, and “you” includes that organisation. If we sign a separate written agreement or order form with you, it prevails over these terms where they conflict.

Our platforms help you plan, verify, fund, run and report on projects and operations, including projects in Nigeria that you manage from elsewhere. Features and availability may differ by product and plan, and we may improve, change or retire features over time. Early-access features are provided as they are and may change or be withdrawn.

You are responsible for having the internet access and devices you need, and for the taxes, bank charges and currency conversion costs that apply where you live.

• Give accurate information and keep it up to date.
• Keep your login details confidential and do not share a login unless your plan allows it.
• You are responsible for activity under your account, including by people you invite. Tell us promptly if you suspect unauthorised access.

You own the content you put into the Services, such as documents, photos, records and reports. You give us a limited licence to host, process and display it only as needed to provide and secure the Services for you.

You confirm you have the right to upload it, including any personal data about other people such as landowners, contractors, suppliers or staff, and that you have told them and have a lawful basis for doing so. We handle personal data as set out in our Privacy Policy. You can ask us to export or delete your content, subject to what we must keep by law.

• Tools, not advice. The Services are software. They are not legal, financial, tax, investment, engineering or surveying advice. Before you sign a contract or send money, get advice from qualified professionals, such as a Nigerian lawyer, a registered surveyor or a licensed engineer.
• Verification is an aid, not a guarantee. Land, title and other verification features and reports help your own due diligence. They depend on the information and sources available at the time and do not guarantee ownership, title, boundaries, absence of disputes, or the condition of any property.
• We are not a party to your deals. Your agreements with sellers, contractors, suppliers, agents, partners and staff are between you and them. We are not responsible for their performance, and you are responsible for confirming who you are dealing with and who you pay.
• We do not hold your money. Unless a product page or a written agreement with us says otherwise, we do not hold, transfer or guarantee funds, and we are not a bank, escrow agent, or regulated payment or investment provider. Payment and approval records in the Services are for tracking.
• Watch for payment fraud. Always confirm bank details through a separate trusted channel before sending money. We will never ask you to pay a subscription fee into a personal account.

Fees are shown on our Pricing page or in your order form, in the currency stated there. Unless stated otherwise, fees exclude taxes, which you must pay. Paid plans renew as described at purchase until cancelled. We will give notice before changing fees, and changes apply from your next billing period. Refunds are available as stated at purchase or where the law requires.

You agree not to:

• break the law or use the Services for fraud, money laundering or deception;
• upload content you have no right to use, or that is unlawful, defamatory or infringes someone else’s rights;
• interfere with, probe or try to bypass the security or availability of the Services;
• access another customer’s data, or scrape, copy or resell the Services without our written permission; or
• use the Services to build a competing product.

• Faith Tracker is a personal habit and journaling tool. It is not religious, pastoral or counselling advice. Your entries are sensitive data, handled as described in our Privacy Policy and only with your consent.
• Qode Clarity is a learning tool. We do not guarantee employment, income or any particular outcome from using it.

Any extra terms shown on a product page apply to that product.

We and our licensors own the Services, including the software, design, trademarks and materials, except for your content. We grant you a limited, non-exclusive, non-transferable right to use the Services for your own lawful purposes while these terms apply. If you give us feedback, we may use it without obligation to you.

The Services may connect to or link to third-party services, such as payment providers or GitHub. Those services have their own terms and privacy practices, and we are not responsible for them.

You can stop using the Services and close your account at any time. We may suspend or end your access if you breach these terms, if we need to protect the security of the Services or other users, if payment is overdue, or if the law requires.

Where we can, we will give you notice and a reasonable chance to export your content before it is deleted. Sections that by their nature should continue, such as those on intellectual property, liability and governing law, continue after termination.

To the extent the law allows, the Services are provided “as is” and “as available”. We do not promise they will be uninterrupted or error-free, and we are not responsible for interruptions caused by things outside our control, such as power or internet outages, network failures or problems with third-party providers.

To the extent the law allows, we are not liable for indirect or consequential loss, loss of profit, or loss arising from the acts or omissions of third parties you deal with through or alongside the Services, including sellers, contractors and suppliers. Our total liability to you for all claims relating to the Services is limited to the fees you paid us in the 12 months before the claim arose.

Nothing in these terms limits liability that cannot be limited by law, such as liability for fraud or for death or personal injury caused by negligence, or any mandatory consumer rights you have where you live.

These terms are governed by the laws of the Federal Republic of Nigeria. If you have a concern, please contact us first so we can try to resolve it in good faith. If we cannot, the courts of Abakaliki, Nigeria have jurisdiction, except that if you are a consumer living in another country you keep any mandatory rights that local law gives you.

We may update these terms as our Services evolve. We will post the latest version here with a new “last updated” date and, for material changes, notify account holders by email or in the product. If you keep using the Services after a change takes effect, you accept the updated terms.

Bluechip Insitech International Nig. Ltd, RC 9227826
Abakaliki, Ebonyi State, Nigeria
info@insitechinternational.com