Application of Law

1. Governing Law

This Agreement and all matters arising out of or relating to this Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of laws principles.

2. Jurisdiction and Venue

2.1 Primary Jurisdiction

Any legal action or proceeding arising out of or relating to this Agreement shall be instituted in the courts of competent jurisdiction in Nigeria. By using our services, you consent to the exclusive jurisdiction of such courts.

2.2 International Users

While TrexHub operates globally and serves international customers, all legal matters shall be governed by Nigerian law. Users from other jurisdictions acknowledge and agree to this choice of law.

3. Regulatory Compliance

3.1 Nigerian Regulatory Framework

• Consumer Protection Act 2019
• Nigerian Data Protection Regulation (NDPR) 2019
• Central Bank of Nigeria (CBN) Guidelines on Electronic Payment
• Nigerian Communications Commission (NCC) Regulations
• Companies and Allied Matters Act (CAMA) 2020
• Federal Competition and Consumer Protection Act 2018

3.2 International Compliance

Where applicable, TrexHub also complies with relevant international regulations including:

• General Data Protection Regulation (GDPR) for EU users
• Payment Card Industry Data Security Standard (PCI DSS)
• International anti-money laundering (AML) regulations

4. Dispute Resolution

4.1 Preferred Resolution Method

We encourage users to first attempt to resolve disputes through direct communication with our customer support team. Most issues can be resolved amicably through dialogue.

4.2 Mediation

If direct resolution is not possible, disputes may be submitted to mediation under the Lagos Chamber of Commerce and Industry Alternative Dispute Resolution Centre rules.

4.3 Arbitration

For disputes exceeding ₦500,000 in value, parties may agree to binding arbitration under the Arbitration and Mediation Act of Nigeria 2023.

4.4 Court Proceedings

As a last resort, unresolved disputes shall be submitted to the Federal High Court of Nigeria or State High Court with appropriate jurisdiction.

5. Consumer Rights

5.1 Nigerian Consumer Protection

Under the Consumer Protection Act 2019, consumers have the right to:

• Clear and accurate information about products and services
• Fair and honest dealing
• Protection against hazardous or defective products
• Redress for unsatisfactory goods or services
• Education about consumer rights and responsibilities

5.2 Digital Rights

For digital products and services, consumers are entitled to:

• Products that match their description
• Reasonable access and download periods
• Technical support for legitimate issues
• Clear refund and return policies

6. Intellectual Property

6.1 Nigerian IP Framework

Intellectual property matters are governed by:

• Copyright Act 2022
• Patents and Designs Act
• Trade Marks Act
• Nigerian Copyright Commission (NCC) guidelines

6.2 International IP Recognition

Nigeria is a signatory to various international IP conventions, ensuring protection of intellectual property rights across borders.

7. Payment and Financial Regulations

7.1 CBN Compliance

All payment processing activities comply with Central Bank of Nigeria regulations, including:

• Guidelines on Electronic Payment
• Point of Sale (POS) Terminal Services
• Mobile Money Services guidelines
• Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) requirements

7.2 International Payment Compliance

For international transactions, we comply with:

• Foreign Exchange regulations
• International sanctions and embargo laws
• Cross-border payment requirements

8. Data Protection and Privacy

Data processing activities are governed by the Nigerian Data Protection Regulation (NDPR) 2019 and enforced by the National Information Technology Development Agency (NITDA).

8.1 Key Principles

• Lawfulness, fairness, and transparency
• Purpose limitation and data minimization
• Accuracy and storage limitation
• Integrity and confidentiality
• Accountability and documentation

9. Limitation of Liability

To the maximum extent permitted by Nigerian law, TrexHub's liability is limited as outlined in our Terms of Use. This limitation is subject to mandatory consumer protection laws that cannot be excluded.

10. Severability

If any provision of this Agreement is held to be invalid or unenforceable under Nigerian law, the remaining provisions shall remain in full force and effect. Invalid provisions shall be replaced with valid provisions that most closely reflect the original intent.

11. Regulatory Authorities

Relevant regulatory bodies that oversee TrexHub's operations include:

12. Contact Information

For legal matters or regulatory compliance questions: