To the extent permissible under the Laws of the Federal Republic of Nigeria as applicable the services provided herein are "as is" and "as available" and without warranty of any kind, either express or implied, including any implied warranties of expectation of privacy, fitness for a particular purpose, merchantability, non-infringement or title, or any warranties that may arise out of course of dealing, course of performance, usage or trade practice. We make no representation, warranty or guarantee regarding the reliability, timeliness, quality, suitability, availability, completeness or accuracy of the services, or that the services will be uninterrupted or free of errors, viruses or other harmful components. In no event shall we or our affiliates be liable for any damages (whether consequential, direct, incidental, indirect, punitive, special, exemplary or otherwise), including lost profits, lost data, personal injury, or property damage related to, arising out of, or in any way connected with, the use of or inability to use the services or for any of the content or products obtained through or otherwise in connection with the services, in each case regardless of whether such damages are based on contract, strict liability, tort or other theories of liability, and also regardless of whether we were given actual or constructive notice that damages were possible. We do not guarantee that the services, or any portion thereof, will function on any particular hardware or device. Additionally, the services may be subject to malfunctions and delays inherent in the use of the internet and electronic communications. In addition to the foregoing, in no event will we or our affiliates be liable for any damages arising out of, or in any way connected with, a third party's unauthorized access to your private information, SIFAX Group account credentials, account or user content, regardless of whether such damages are based on contract, strict liability, tort or other theories of liability, and also regardless of whether we were given actual or constructive notice that damages were possible. We do not control, endorse or take responsibility for any user content or third-party content available on or linked to by the services (including information on the services provided by banks, payment gateways, agencies or agents). We shall not be liable for any transaction or relationship between you and any third party (including any bank, payment gateways, agencies or agents), or any delay or failure in performance resulting from causes beyond our control.