### LIMITED LICENSE:

Subject to the terms and conditions set forth in these Terms of Use, Kloud Tapp grants You a non-exclusive, non-transferable, limited right to access, use, and display this Website and the Materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Website in any manner. Unless otherwise specified, the Website is for Your personal and non-commercial use. You shall not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from this Website.

### THIRD PARTY CONTENT

The Website makes information of third parties available, including articles, analyst reports, news reports, and company information, including any regulatory authority, content licensed under Content Licensed under Creative Commons Attribution License, and other data from external sources (the "Third Party Content"). You acknowledge and agree that the Third Party Content is not created or endorsed by Kloud Tapp. The provision of Third Party Content is for general informational purposes only and does not constitute a recommendation or solicitation to purchase or sell any securities or shares or to make any other type of investment or investment decision. In addition, the Third Party Content is not intended to provide tax, legal, or investment advice. You acknowledge that the Third Party Content provided to You is obtained from sources believed to be reliable, but that no guarantees are made by Kloud Tapp or the providers of the Third Party Content as to its accuracy, completeness, or timeliness. You agree not to hold Kloud Tapp, any business offering products or services through the Website or any provider of Third Party Content liable for any investment decision or other transaction You may make based on Your reliance on or use of such data, or any liability that may arise due to delays or interruptions in the delivery of the Third Party Content for any reason.

By using any Third Party Content, You may leave this Website and be directed to an external website, or to a website maintained by an entity other than Kloud Tapp. If You decide to visit any such site, You do so at Your own risk and it is Your responsibility to take all protective measures to guard against viruses or any other destructive elements. Kloud Tapp makes no warranty or representation regarding, and does not endorse, any linked websites or the information appearing thereon or any of the products or services described thereon. Links do not imply that Kloud Tapp or this Website sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo, or copyright symbol of Kloud Tapp or any of its affiliates or subsidiaries. You hereby expressly acknowledge and agree that the linked sites are not under the control of Kloud Tapp and Kloud Tapp is not responsible for the contents of any linked site or any link contained in a linked site, or any changes or updates to such sites. Kloud Tapp is not responsible for webcasting or any other form of transmission received from any linked site. Kloud Tapp is providing these links to You only as a convenience, and the inclusion of any link shall not be construed to imply endorsement by Kloud Tapp in any manner of the website.

### NO WARRANTIES

THIS WEBSITE, THE INFORMATION AND MATERIALS ON THE SITE, AND ANY SOFTWARE MADE AVAILABLE ON THE WEBSITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. THERE IS NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, REGARDING THIRD PARTY CONTENT. IN SPITE OF KLOUD TAPP'S BEST ENDEAVORS, THERE IS NO WARRANTY THAT THIS WEBSITE WILL BE FREE OF ANY COMPUTER VIRUSES. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

### LIMITATION OF DAMAGES:

IN NO EVENT SHALL KLOUD TAPP OR ANY OF ITS SUBSIDIARIES OR AFFILIATES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THIS WEBSITE OR ANY LINKED WEBSITE, EVEN IF KLOUD TAPP IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

### DISCLAIMER:

THE WEBSITE MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL AND CLERICAL ERRORS. KLOUD TAPP EXPRESSLY DISCLAIMS ANY OBLIGATION(S) TO UPDATE THIS WEBSITE OR ANY OF THE MATERIALS ON THIS WEBSITE. KLOUD TAPP DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE WEBSITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. KLOUD TAPP RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE WEBSITE. KLOUD TAPP MAY MAKE ANY OTHER CHANGES TO THE WEBSITE, THE MATERIALS, AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE WEBSITE AT ANY TIME WITHOUT NOTICE. THIS WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE CONSTRUED AS TECHNICAL ADVICE OF ANY MANNER.

### UNLAWFUL AND/OR PROHIBITED USE OF THE WEBSITE

As a condition of Your use of the Website, You shall not use the Website for any purpose(s) that is unlawful or prohibited by the Terms of Use. You shall not use the Website in any manner that could damage, disable, overburden, or impair any Kloud Tapp server, or the network(s) connected to any Kloud Tapp server, or interfere with any other party's use and enjoyment of any services associated with the Website. You shall not attempt to gain unauthorized access to any section of the Website, other accounts, computer systems, or networks connected to any Kloud Tapp server or to any of the services associated with the Website, through hacking, password mining, or any other means. You shall not obtain or attempt to obtain any Materials or information through any means not intentionally made available through the Website.

### INDEMNITY:

You agree to indemnify and hold harmless Kloud Tapp, its subsidiaries, and affiliates from any claim, cost, expense, judgment, or other loss relating to Your use of this Website in any manner, including without limitation of the foregoing, any action You take which is in violation of the terms and conditions of these Terms of Use and against any applicable law.

### CHANGES:

Kloud Tapp reserves the rights, at its sole discretion, to change, modify, add or remove any portion of these Terms of Use in whole or in part, at any time. Changes in these Terms of Use will be effective when notice of such change is posted. Your continued use of the Website after any changes to these Terms of Use are posted will be considered acceptance of those changes. Kloud Tapp may terminate, change, suspend, or discontinue any aspect of the Website, including the availability of any feature(s) of the Website, at any time. Kloud Tapp may also impose limits on certain features and services or restrict Your access to certain sections or all of the Website without notice or liability. You hereby acknowledge and agree that Kloud Tapp may terminate the authorization, rights, and license given above at any point of time at its own sole discretion, and upon such termination; You shall immediately destroy all Materials.

### INTERNATIONAL USERS AND CHOICE OF LAW:

This Site is controlled, operated, and administered by Kloud Tapp from within Nigeria. Kloud Tapp makes no representation that Materials on this Website are appropriate or available for use at any other location(s) outside Nigeria. Any access to this Website from territories where their contents are illegal is prohibited. You may not use