PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.

By using this site, you signify your assent to these Terms and Conditions. If you do not agree to all of these Terms and Conditions of use, do not use this site!
Prosper From Change. (“Prosper From Change”) may revise and update these Terms and Conditions at any time. Your continued usage of the Prosper From Change website (“Prosper From Change Site,” or the “Site,”) will mean you accept those changes.

INDEX

The Site Does Not Provide Advice

Children’s Privacy

Use of Content

Liability of Prosper From Change and Its Licensors

User Submissions

User Media Submissions – Image, Video, Audio files

Passwords

Prosper From Change Community and Member to Member Areas (“Public Areas”)

Advertisements, Search and Links to Other Sites

Indemnity

General

Jurisdiction

Notice and Take Down Procedures, Copyright Agent

Complete Agreement

The Site Does Not Provide Advice
The contents of the Prosper From Change Site, such as text, graphics, images, information obtained from Prosper From Change’s licensors, and other material contained on the Prosper From Change Site (“Content”) are for informational purposes only. The Content is not intended to be a substitute for professional business advice. Always seek the advice of a professional or subject matter expert with any questions you may have regarding your career, profession or business. Never disregard professional business or career advice or delay in seeking it because of something you have read on the Prosper From Change Site.
Prosper From Change does not recommend or endorse any specific tests, assessments, products, formulae, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by Prosper From Change, Prosper From Change employees, others appearing on the Site at the invitation of Prosper From Change, or other visitors to the Site is solely at your own risk.
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Children’s Privacy
We are committed to protecting the privacy of children. You should be aware that this Site is not intended or designed to attract children under the age of 16. We do not collect personally identifiable information from any person we actually know is a child under the age of 16.
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Use of Content
Prosper From Change authorizes you to view or download a single copy of the material on the Prosper From Change Site solely for your personal, noncommercial use if you include the copyright notice located at the end of the material, for example: “©2016, Prosper From Change . All rights reserved” and other copyright and proprietary rights notices that are contained in the Content. Any special rules for the use of certain software and other items accessible on the Prosper From Change Site may be included elsewhere within the Site and are incorporated into these Terms and Conditions by reference.
The Content is protected by copyright under both the Federal Republic of Nigeria and foreign laws. Title to the Content remains with Prosper From Change or its licensors. Any use of the Content not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws. Content and features are subject to change or termination without notice in the editorial discretion of Prosper From Change. All rights not expressly granted herein are reserved to Prosper From Change and its licensors.
If you violate any of these Terms and Conditions, your permission to use the Content automatically terminates and you must immediately destroy any copies you have made of any portion of the Content.
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Liability of Prosper From Change and Its Licensors
The use of the Prosper From Change Site and the Content is at your own risk.
When using the Prosper From Change Site, information will be transmitted over a medium that may be beyond the control and jurisdiction of Prosper From Change and its suppliers. Accordingly, Prosper From Change assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Prosper From Change Site.
The Prosper From Change Site and the content are provided on an “as is” basis. Prosper From Change, ITS LICENSORS, AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE. Without limiting the foregoing, Prosper From Change, its licensors, and its suppliers make no representations or warranties about the following:
1. The accuracy, reliability, completeness, currentness, or timeliness of the Content, software, text, graphics, links, or communications provided on or through the use of the Prosper From Change Site or Prosper From Change.
2. The satisfaction of any government regulations requiring disclosure of information on prescription drug products or the approval or compliance of any software tools with regard to the Content contained on the Prosper From Change Site.
In no event shall Prosper From Change, its licensors, its suppliers, or any third parties mentioned on the Prosper From Change Site be liable for any damages (including, without limitation, incidental and consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the Prosper From Change Site or the Content, whether based on warranty, contract, tort, or any other legal theory, and whether or not Prosper From Change, its licensors, its suppliers, or any third parties mentioned on the Prosper From Change Site are advised of the possibility of such damages. Prosper From Change, its licensors, its suppliers, or any third parties mentioned on the Prosper From Change Site shall be liable only to the extent of actual damages incurred by you, not to exceed U.S. $500. Prosper From Change, its licensors, its suppliers, or any third parties mentioned on the Prosper From Change Site are not liable for any personal injury, including death, caused by your use or misuse of the Site, Content, or Public Areas (as defined below). Any claims arising in connection with your use of the Site, any Content, or the Public Areas must be brought within one (1) year of the date of the event giving rise to such action occurred. Remedies under these Terms and Conditions are exclusive and are limited to those expressly provided for in these Terms and Conditions.
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User Submissions
The personal information you submit to Prosper From Change is governed by the Prosper From Change Privacy Policy. To the extent there is an inconsistency between this Agreement and the Prosper From Change Privacy Policy, this Agreement shall govern.
The Site contains functionality (including blogs, message boards, Ask Our Expert postings, user reviews of product or service information, etc.) that allows users to upload content to the Site (collectively “Public Areas”). You agree that you will not upload or transmit any communications or content of any type to the Public Areas that infringe or violate any rights of any party. By submitting communications or content to the Public Areas, you agree that such submission is non-confidential for all purposes.
If you make any such submission you agree that you will not send or transmit to Prosper From Change by email, (including through the email addresses listed on the “Contact Us” page) any communication or content that infringes or violates any rights of any party. If you submit any business information, idea, concept or invention to Prosper From Change by email, you agree such submission is non-confidential for all purposes.
If you make any submission to a Public Area or if you submit any business information, idea, concept or invention to Prosper From Change by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted-Prosper From Change a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. Prosper From Change may sublicense its rights through multiple tiers of sublicenses. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the Public Areas or to Prosper From Change by email. We try to answer every email in a timely manner, but are not always able to do so.
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User Submissions — Image, Video, Audio Files
You agree to only post or upload Media (like photos, videos or audio) that you have taken yourself or that you have all rights to transmit and license and which do not violate trademark, copyright, privacy or any other rights of any other person. Photos or videos of celebrities and cartoon or comic images are usually copyrighted by the owner.
To protect your privacy, you agree that you will not submit any media that contains Personally Identifiable Information (like name, phone number, email address or web site URL) of you or of anyone else. Uploading media like images or video of other people without their permission is strictly prohibited.
By uploading any media on the Prosper From Change site, you warrant that you have permission from all persons appearing in your media for you to make this contribution and grant rights described herein. Never post a picture or video of or with someone else unless you have their explicit permission.
It is strictly prohibited to upload media of any kind that contain expressions of hate, abuse, offensive images or conduct, obscenity, pornography, sexually explicit or any material that could give rise to any civil or criminal liability under applicable law or regulations or that otherwise may be in conflict with these Terms and Conditions, the Prosper From Change Advertising Policy and the Prosper From Change Privacy Policy.
You agree that you will not upload any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or this Web site.
By uploading any media like a photo or video, (a) you grant to Prosper From Change a perpetual, non-exclusive, worldwide, royalty-free license to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in the media; (b) you certify that any person pictured in the submitted media (or, if a minor, his/her parent/legal guardian) authorizes Prosper From Change to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in such media; and (c) you agree to indemnify Prosper From Change and its affiliates, directors, officers and employees and hold them harmless from any and all claims and expenses, including attorneys’ fees, arising from the media and/or your failure to comply with these the terms described in this document.
Prosper From Change reserves the right to review all media prior to submission to the site and to remove any media for any reason, at any time, without prior notice, at our sole discretion
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Passwords
Prosper From Change has several tools that allow you to record and store information. You are responsible for taking all reasonable steps to ensure that no unauthorized person shall have access to your Prosper From Change passwords or accounts. It is your sole responsibility to (1) control the dissemination and use of sign-in name, screen name and passwords; (2) authorize, monitor, and control access to and use of your Prosper From Change account and password; (3) promptly inform Prosper From Change if you believe your account or password has been compromised or if there is any other reason you need to deactivate a password. To send us an email, use the “Contact Us” links located at the bottom of every page of our site. You grant Prosper From Change and all other persons or entities involved in the operation of the Site the right to transmit, monitor, retrieve, store, and use your information in connection with the operation of the Site. Prosper From Change cannot and does not assume any responsibility or liability for any information you submit, or your or third parties’ use or misuse of information transmitted or received using Prosper From Change tools and services.
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Prosper From Change Community and Member to Member Areas (“Public Areas”)
If you use a Public Area, such as message boards, blogs, Ask Our Expert, User Reviews or other member communities, you are solely responsible for your own communications, the consequences of posting those communications, and your reliance on any communications found in the Public Areas. Prosper From Change and its licensors are not responsible for the consequences of any communications in the Public Areas. In cases where you feel threatened or believe someone else is in danger, you should contact your local law enforcement agency immediately.
In consideration of being allowed to use the Public Areas, you agree that the following actions shall constitute a material breach of these Terms and Conditions:
1. Using a Public Area for any purpose in violation of local, state, national, or international laws;
2. Posting material that infringes on the intellectual property rights of others or on the privacy or publicity rights of others;
3. Posting material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by Prosper From Change in its sole discretion;
4. Posting advertisements or solicitations of business;
5. After receiving a warning, continuing to disrupt the normal flow of dialogue, or posting comments that are not related to the topic being discussed (unless it is clear the discussion is free-form);
6. Posting chain letters or pyramid schemes;
7. Impersonating another person;
8. Distributing viruses or other harmful computer code;
9. Harvesting, scraping or otherwise collecting information about others, including email addresses, without their identification for posting or viewing comments;
10. Allowing any other person or entity to use your identification for posting or viewing comments
11. Posting the same note more than once or “spamming”; or
12. Engaging in any other conduct that restricts or inhibits any other person from using or enjoying the Public Area or the Site, or which, in the judgment of Prosper From Change, exposes Prosper From Change or any of its customers or suppliers to any liability or detriment of any type.
Prosper From Change Reserves the Right (but is Not Obligated) to Do Any or All of the Following:
1. Record the dialogue in public chat rooms.
2. Investigate an allegation that a communication(s) do(es) not conform to the terms of this section and determine in its sole discretion to remove or request the removal of the communication(s).
3. Remove communications which are abusive, illegal, or disruptive, or that otherwise fail to conform with these Terms and Conditions.
4. Terminate a user’s access to any or all Public Areas and/or the Prosper From Change Site upon any breach of these Terms and Conditions.
5. Monitor, edit, or disclose any communication in the Public Areas.
6. Edit or delete any communication(s) posted on the Prosper From Change Site, regardless of whether such communication(s) violate these standards.
Prosper From Change or its licensors have no liability or responsibility to users of the Prosper From Change Site or any other person or entity for performance or nonperformance of the aforementioned activities.

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Advertisements, Searches, and Links to Other Sites
Prosper From Change may provide links to third-party web sites. Prosper From Change also may select certain sites as priority responses to search terms you enter and Prosper From Change may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content. Prosper From Change does not recommend and does not endorse the content on any third-party websites. Prosper From Change is not responsible for the content of linked third-party sites, sites framed within the Prosper From Change Site, third-party sites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. Prosper From Change does not endorse any product, service, or treatment advertised on the Prosper From Change Site. For more information, read our Advertising Policy and our Sponsor Policy.
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Indemnity
You agree to defend, indemnify, and hold Prosper From Change, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms and Conditions.
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General
Prosper From Change is based in Lagos, Nigeria, with principal offices in Lagos, Nigeria. Prosper From Change makes no claims that Prosper From Change, Prosper From Change Programs or Initiatives, or any Site within the Prosper From Change Network and the Content are appropriate or may be downloaded outside of the Nigeria. Access to the Content may not be legal by certain persons or in certain countries. If you access the Prosper From Change Network from outside the Federal Republic Of Nigeria, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.
The following provisions survive the expiration or termination of this Agreement for any reason whatsoever: Liability, User Submissions, User Submissions – image, video, audio files, Indemnity, Jurisdiction, and Complete Agreement.
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Jurisdiction
You expressly agree that exclusive jurisdiction for any dispute with Prosper From Change, or in any way relating to your use of the Prosper From Change Site, resides in the courts of the Federal Republic of Nigeria and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the Federal Republic of Nigeria in connection with any such dispute including any claim involving Prosper From Change or its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and content providers.
These Terms and Conditions are governed by the internal substantive laws of the Federal Republic of Nigeria, without respect to its conflict of laws principles. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.
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Notice and Takedown Procedures; and Copyright Agent
If you believe any materials accessible on or from the Site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting Prosper From Change’s copyright agent (identified below) and providing the following information:
1. Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.
2. Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.
3. Your name, address, telephone number and (if available) e-mail address.
4. A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.
5. A statement that the information that you have supplied is accurate, and indicating that “under penalty of perjury,” you are the copyright owner or are authorized to act on the copyright owner’s behalf.
6. A signature or the electronic equivalent from the copyright holder or authorized representative.
Prosper From Change’s agent for copyright issues relating to this web site is as follows:
Prosper From Change
#3 Adekunle Odunlami Street,
Off Coker Roundabout,
Ilupeju, Lagos, Nigeria
Phone: +234 (809) 990-1676
disc@Prosper From Change.com

In an effort to protect the rights of copyright owners, Prosper From Change maintains a policy for the termination, in appropriate circumstances, of subscribers and account holders of the Site who are repeat infringers.
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Complete Agreement
Except as expressly provided in a particular “legal notice” on the Prosper From Change Site, these Terms and Conditions and the Prosper From Change Privacy Policy constitute the entire agreement between you and Prosper From Change with respect to the use of the Prosper From Change Site, and Content.
Thank you for your cooperation. We hope you find the Prosper From Change.com Site helpful and convenient to use! Questions or comments regarding this website, including any reports of non-functioning links, should be submitted using our Contact Us Form or via post mail or courier to: Prosper From Change Office, #3 Adekunle Odunlami Street, Ilupeju, Lagos, Nigeria.
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