Disclaimer & Terms of Use

This website is operated on behalf of the Adino Group (“Adino”, the “Group”, “we”, “us”, or “our”), which comprises its subsidiaries, affiliates, and related entities from time to time (each a “Group Entity”), operating across Nigeria, the United Kingdom, and Mauritius. The registered office of the Group is 10A Alexander Road, Ikoyi, Lagos, Nigeria. Last updated: June 2026.

This Disclaimer, together with the Terms of Use below and our Privacy Policy, governs your access to and use of this website.

This website is provided solely for general informational purposes regarding the Adino Group, its member entities, and their respective activities.

All content is made available on an “as is” and “as available” basis and does not constitute, and should not be relied upon as, financial, investment, legal, tax, accounting, or other professional advice.

Users are advised to seek independent professional advice before making any decision based on the information contained on this website.

The Adino Group comprises distinct and separate legal entities, each of which operates independently.

References on this website to “Adino”, “the Group”, “we”, “us”, or “our” are used for convenience only and do not imply that the Group operates as a single legal entity, partnership, or joint venture.

Each Group Entity is solely responsible for its own obligations, liabilities, and activities, and nothing on this website shall be construed as creating any liability for one Group Entity in respect of the acts, omissions, products, or services of another.

Different Group Entities undertake different business activities, and not all activities are subject to regulation.

Where regulated financial or investment services are offered, such services are provided exclusively by the specific Group Entity that is duly licensed and authorized to do so in the relevant jurisdiction. These entities are subject to oversight by applicable regulatory authorities, which may include the Securities and Exchange Commission (SEC) and the Central Bank of Nigeria (CBN).

Nothing on this website constitutes, or shall be construed as, an offer, invitation, solicitation, or recommendation to engage in any regulated activity in any jurisdiction where such activity would be unlawful or require registration.

Any regulated products or services are governed solely by the specific terms, agreements, and disclosures issued by the relevant licensed entity, and not by the content of this website.

This website may contain forward-looking statements, including but not limited to statements relating to strategy, objectives, projections, and outlook.

Such statements are based on the Group’s current expectations and assumptions and are subject to known and unknown risks, uncertainties, and other factors that may cause actual results or outcomes to differ materially from those expressed or implied.

No Group Entity undertakes any obligation to update, revise, or publicly release any changes to forward-looking statements. Accordingly, users should not place undue reliance on such statements.

This website is intended for access only in jurisdictions where such access is lawful.

It is not directed at, and must not be used by, any person in any jurisdiction where the publication, availability, or use of this website would be contrary to applicable laws or regulations, or where it would impose any registration, licensing, or regulatory requirement on any Group Entity.

Persons subject to such restrictions must not access, use, or rely on this website. By accessing this website, you are responsible for ensuring that you comply with all applicable local laws and regulations.

These Terms of Use, together with the Disclaimer above and our Privacy Policy, govern your access to and use of this website and constitute a legally binding agreement between you and the Adino Group.

By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and the Disclaimer.

If you do not agree to these terms, you must immediately discontinue use of this website.

You may access and use this website solely for lawful, personal, and informational purposes. You agree that you shall not:

1. use the website for any unlawful, fraudulent, harmful, or abusive purpose, or in violation of any applicable law or regulation; 2. copy, reproduce, republish, distribute, modify, or commercially exploit any content without the prior written consent of the Group; 3. use automated tools or processes, including scraping, harvesting, or data mining, to access or extract data from the website; 4. introduce viruses, malware, or any other harmful or disruptive material; 5. attempt to gain unauthorized access to any part of the website, its servers, or associated systems or networks; 6. misrepresent your identity or affiliation or imply any endorsement or relationship with the Group where none exists.

All content on this website, including, without limitation, text, graphics, logos, branding elements (including the Adino name and compass device), layout, design, and trademarks, is owned by or licensed to the Adino Group and is protected by applicable intellectual property laws.

Except as expressly permitted, nothing on this website shall be construed as granting any license or right to use such materials. Any unauthorized use may result in legal action, including claims for damages or criminal liability.

This website may contain links to third-party websites, including those of individual Group Entities or external partners.

Such links are provided for convenience only. The Group does not control, endorse, or assume responsibility for the content, security, or privacy practices of any third-party website.

Access to such websites is entirely at your own risk, and subject to their respective terms and conditions.

This website is provided on an “as is” and “as available” basis, without representations or warranties of any kind, whether express or implied.

To the fullest extent permitted by law, the Group disclaims all warranties, including but not limited to warranties of accuracy, completeness, or reliability of content; availability or uninterrupted access; fitness for a particular purpose; non-infringement; and security or freedom from errors or harmful components.

To the fullest extent permitted by law, the Group, its member entities, and their respective directors, officers, employees, and agents shall not be liable for any loss or damage of any kind, including direct, indirect, incidental, consequential, or special damages arising out of or in connection with your access to or use of this website; your inability to access or use the website; or your reliance on any information contained on the website.

Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited.

You agree to indemnify, defend, and hold harmless the Adino Group and its member entities, including their respective directors, officers, employees, and agents, from and against any and all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with your breach of these Terms of Use; your misuse of, or access to, this website; or your violation of any applicable law or regulation.

This indemnity shall apply except to the extent that such claims or liabilities arise from the negligence, fraud, or willful misconduct of the Group.

The Group processes personal data in accordance with applicable data protection laws, including the Nigeria Data Protection Act 2023 (NDPA) and, where applicable, the UK General Data Protection Regulation (UK GDPR) and the EU General Data Protection Regulation (EU GDPR).

The Group is committed to ensuring that personal data is processed lawfully, fairly, and transparently; collected for specified, explicit, and legitimate purposes; adequate, relevant, and limited to what is necessary; accurate and kept up to date; retained only for as long as necessary; and protected with appropriate technical and organizational security measures.

Your Rights: Subject to applicable law, you may have the right to access your personal data; request correction or deletion of your data; object to or restrict processing; request data portability; and withdraw consent at any time, where processing is based on consent.

International Data Transfers: Given the cross-border operations of the Group, personal data may be transferred between jurisdictions. Where this occurs, appropriate safeguards are implemented in accordance with applicable data protection laws.

Further information on how personal data is collected, used, and protected is set out in our Privacy Policy.

The Group reserves the right to update, amend, suspend, or withdraw any part of this website at any time.

The Group may also revise these Terms of Use from time to time. Where changes are material, reasonable efforts will be made to bring such changes to your attention.

The version of the Terms published at the time of your access will apply, and your continued use of the website constitutes acceptance of any revised Terms.

These Terms of Use, together with the Disclaimer, and any dispute or claim arising out of or in connection with them or your use of this website, shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

You agree to submit to the exclusive jurisdiction of the courts of Nigeria, without prejudice to any mandatory provisions of law applicable in other jurisdictions or to any separate contractual arrangements with a specific Group Entity.

If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be severed, and the remaining provisions shall continue in full force and effect.

These Terms of Use, together with the Disclaimer and Privacy Policy, constitute the entire agreement between you and the Group in relation to your use of this website and supersede all prior understandings or agreements relating to such use.

If you have any questions regarding these Terms of Use or this website, please contact:

The Adino Group 10A Alexander Road Ikoyi, Lagos Nigeria Email: info@adinoinvest.com