Terms of Service
Last updated: January 30, 2026
1. Acceptance of Terms
By accessing and using BlackCircle ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.
2. Description of Service
BlackCircle provides educational content, market insights, and learning resources related to African financial markets. Our Service includes articles, videos, courses, guides, and community features.
3. User Accounts
When you create an account with us, you must:
- Provide accurate, current, and complete information
- Maintain the security of your password and account
- Promptly update any changes to your information
- Accept responsibility for all activities under your account
4. Educational Disclaimer
Important: All content provided through BlackCircle is for educational and informational purposes only. Our content does not constitute personalized investment advice, financial advice, trading advice, or any other sort of advice. You should not make any investment decision based solely on the information provided through our Service.
Always conduct your own research and consult with qualified financial professionals before making investment decisions. Past performance is not indicative of future results.
5. Intellectual Property
All content on BlackCircle, including text, graphics, logos, images, videos, and software, is the property of BlackCircle or its content suppliers and is protected by intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without our express written permission.
6. User Conduct
You agree not to:
- Use the Service for any unlawful purpose
- Share your account credentials with others
- Attempt to gain unauthorized access to our systems
- Post false, misleading, or harmful content in community spaces
- Harass, abuse, or harm other users
- Use automated systems to access the Service without permission
7. Limitation of Liability
To the fullest extent permitted by law, BlackCircle shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or other intangible losses, resulting from your use of the Service.
8. Changes to Terms
We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on this page. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.
9. Termination
We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
10. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions.
11. Contact Us
If you have any questions about these Terms, please contact us at legal@blackcircle.com.