Terms of Use

Introduction

Welcome to the Nigerian Actuarial Journal website ("Website"). By accessing or using our Website, you agree to be bound by these Terms of Use ("Terms"). These Terms constitute a legal agreement between you and the Nigerian Actuarial Journal ("NAJ", "we," "us," or "our").

If you do not agree with these Terms, please do not access or use our Website or services. We reserve the right to modify these Terms at any time, and such modifications shall be effective immediately upon posting on this Website. Your continued use of the Website following any modifications indicates your acceptance of the modified Terms.

Website Use

Permitted Use

You may access and use our Website for legitimate purposes related to academic research, scholarship, and professional development in management sciences and related fields. This includes browsing articles, downloading content for personal use, and participating in the submission and review processes.

Prohibited Activities

You agree not to engage in any of the following activities:

• Violating any applicable local, state, national, or international law or regulation
• Impersonating any person or entity or falsely stating or misrepresenting your affiliation with a person or entity
• Interfering with or disrupting the Website or servers or networks connected to the Website
• Using automated means (such as bots, scripts, or spiders) to access or collect data from the Website without our express written permission
• Attempting to gain unauthorized access to any portion of the Website or any systems or networks connected to the Website
• Using the Website to send unsolicited communications, promotions, or advertisements
• Uploading or transmitting viruses, malware, or other malicious code
• Engaging in any activity that interferes with another user's use and enjoyment of the Website
• Reverse engineering, decompiling, or disassembling any software or technology used in connection with the Website

Account Registration

Certain features of our Website may require you to register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your registration information
• Keep your account credentials confidential
• Be responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate your account if we have reason to believe that the information you provided is inaccurate, outdated, or incomplete, or if you have violated these Terms.

Intellectual Property

Our Intellectual Property

The Website and its content, features, and functionality, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, and software, are owned by or licensed to NAJ and are protected by copyright, trademark, and other intellectual property laws.

Published Articles

Articles published in NAJ are protected by copyright. The specific copyright arrangements for each article may vary depending on the author agreement and publication terms. Users must respect all copyright notices and restrictions associated with published content.

Limited License

We grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Website for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to:

• Republish, redistribute, transmit, or display content from the Website without proper attribution and permission
• Use the Website or its content for commercial purposes without our express written consent
• Create derivative works based on the Website or its content
• Download or copy account information for the benefit of another party
• Use data mining, robots, or similar data gathering and extraction tools

User Submissions

When you submit content to our Website, including but not limited to articles, comments, reviews, or feedback, you:

• Retain ownership of your intellectual property rights in such content
• Grant us a worldwide, non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content in any media
• Represent and warrant that you own or control all rights in and to the content and that the content does not infringe upon the rights of any third party
• Waive any moral rights you may have in such content

We reserve the right, but have no obligation, to monitor, edit, or remove any user submissions that we determine, in our sole discretion, are unlawful, offensive, threatening, libelous, defamatory, obscene, or otherwise objectionable.

Submission and Publication Policies

Authors submitting manuscripts to NAJ should be aware of the following:

• Submission does not guarantee publication
• All submissions undergo peer review according to our editorial policies
• Authors must comply with ethical guidelines, including disclosure of conflicts of interest and adherence to research ethics
• Materials submitted must be original and not previously published or under consideration elsewhere
• Authors are responsible for obtaining permissions for any copyrighted material included in their submissions

For complete submission guidelines, please refer to our Author's Guide.

External Links

Our Website may contain links to third-party websites that are not owned or controlled by NAJ. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. We do not endorse or make any representations about third-party websites or any information, products, or materials found there.

Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT, MATERIALS, INFORMATION, AND SERVICES PROVIDED ON THE WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. NAJ EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

NAJ MAKES NO WARRANTY THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS OR BE AVAILABLE ON AN UNINTERRUPTED, SECURE, OR ERROR-FREE BASIS. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS ACCESSED AT YOUR OWN DISCRETION AND RISK.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL NAJ, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Indemnification

You agree to defend, indemnify, and hold harmless NAJ, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website.

Governing Law and Jurisdiction

These Terms and your use of the Website shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law principles. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Website shall be instituted exclusively in the federal courts of Nigeria or the courts of Lagos State.

Termination

We may terminate or suspend your access to all or part of the Website, without notice, for any conduct that we, in our sole discretion, believe is in violation of these Terms or is harmful to other users of the Website, third parties, or the interests of NAJ.