1. Agreement to Terms
By accessing or using Naira Math (https://www.nairamath.com), you agree to be bound by these Terms of Service and all applicable laws and regulations of the Federal Republic of Nigeria. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
2. Non-Advisory Nature of Content (Educational Use Only)
The materials, calculators, algorithmic outputs, and written guides provided on Naira Math are created strictly for general educational and informational purposes only.
Naira Math does NOT offer personalized investment advice, commercial credit underwriting, legal advice, tax structuring, or registered financial planning. Calculations generated by our tools are estimates based on user-entered values and approximate historical benchmarks. You should not act or refrain from acting on the basis of any content included in this site without seeking independent financial advice from a licensed professional registered with the Securities and Exchange Commission (SEC), Central Bank of Nigeria (CBN), or Institute of Chartered Accountants of Nigeria (ICAN).
3. Intellectual Property Rights
All custom calculator algorithms, layout designs, editorial articles, brand badges, and software implementations on Naira Math are the intellectual property of Naira Math and are protected by applicable copyright and trademark law. You may use our calculators for personal and commercial informational evaluations, but you may not scrape, frame, reverse-engineer, or duplicate our software codebase for redistribution without express written consent.
4. Disclaimer of Warranties and Accuracy
The tools and materials on Naira Math are provided on an 'as is' and 'as available' basis. While we strive to maintain current CBN banking tariffs, realistic exchange rate averages, and mathematically robust IRR algorithms, Naira Math makes no warranties, expressed or implied, regarding the continuous availability, absolute accuracy, or completeness of the figures produced.
5. Limitation of Liability
In no event shall Naira Math, its contributors, or its operators be held liable for any damages (including, without limitation, damages for loss of capital, loan defaults, investment losses, or business interruption) arising out of the use or inability to use the calculators or information on Naira Math.
6. Third-Party Links & Advertisements
Naira Math displays contextual advertisements served by Google AdSense and may include links to third-party regulatory or financial sites. Naira Math has not reviewed all linked sites and is not responsible for the contents or representations of any third-party advertisers or external websites.
7. Governing Law
These terms and conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, and you irrevocably submit to the exclusive jurisdiction of the courts in Nigeria.