These Terms and Conditions ("Terms") govern your access to and use of ratioafrica.com (the "Site") and any free or introductory content, tools, or communications provided through it. Paid consulting engagements with Ratio Africa Limited are governed by a separately signed engagement letter or statement of work, which prevails over these Terms to the extent of any conflict.
By accessing the Site, submitting an enquiry, or subscribing to our communications, you agree to be bound by these Terms. If you do not agree, do not use the Site.
01About us
"Ratio Africa", "we", "us", and "our" refer to Ratio Africa Limited, a company registered in the Federal Republic of Nigeria. You can reach us at connect@ratioafrica.com.
References to "you" and "your" are to the person accessing the Site or engaging with us on their own behalf or on behalf of an organisation they represent. If you act on behalf of an organisation, you confirm that you have authority to bind that organisation to these Terms.
02Use of the Site
You may use the Site for lawful, personal, and legitimate business purposes only. You agree not to:
- use the Site in any way that breaches applicable law in Nigeria or any other jurisdiction from which you access it;
- attempt to gain unauthorised access to the Site, the server on which the Site is hosted, or any related system or database;
- introduce viruses, trojans, worms, logic bombs, or other harmful material;
- conduct any systematic or automated data collection (including scraping or harvesting) without our prior written consent;
- copy, reproduce, republish, sell, rent, sub-licence, distribute, or commercially exploit any part of the Site or its content, except as expressly permitted by these Terms;
- frame, mirror, or use the Site in a way that misrepresents your relationship with us; or
- use the Site to send unsolicited commercial communications.
We reserve the right to suspend or terminate your access to the Site at any time without notice if we reasonably suspect a breach of these Terms.
03Intellectual property
All content on the Site, including text, graphics, logos, images, audio, video, designs, source code, and the underlying compilation, is owned by Ratio Africa or our licensors and is protected by Nigerian copyright law (including the Copyright Act 2022), international copyright treaties, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and view the Site for your personal or internal business reference. No other rights are granted.
The "Ratio Africa" name and logo and any other Ratio Africa branding are trademarks of Ratio Africa Limited. You may not use them without our prior written permission.
If a paid engagement results in deliverables for you, ownership of those deliverables and any related intellectual property is dealt with in the engagement letter, not in these Terms.
04Site content is for general information
Content on the Site, including articles, frameworks, checklists, case studies, and any free downloads, is provided for general information and education only. It does not constitute professional advice and you should not rely on it as the sole basis for any decision.
Although we take reasonable care to ensure the information on the Site is accurate and current at the time of publication, we make no representation or warranty that it is complete, accurate, reliable, or up to date. We may update or remove content at any time without notice.
If you need advice specific to your situation, please contact us at connect@ratioafrica.com to discuss an engagement.
05Enquiries and engagement letters
Submitting an enquiry through the Site or by email does not create a contract between us. A paid engagement only comes into effect when both parties sign an engagement letter or statement of work, which will set out the scope, deliverables, fees, payment schedule, timeline, confidentiality terms, intellectual property arrangements, and any other terms specific to that engagement.
In the absence of a signed engagement letter, no contractual obligation exists, no fees are due, and no advice or deliverable provided informally is binding on Ratio Africa.
06Pricing and currency
Indicative fees may be published on the Site or shared during initial conversations. These are estimates and are not binding offers. Final fees are agreed in writing in the engagement letter.
Where fees are quoted in Naira (NGN), payment is made in Naira to the bank account specified in the engagement letter or invoice. Where fees are quoted in a foreign currency (such as USD or EUR), the exchange basis and payment account are stated in the engagement letter.
Unless stated otherwise, fees are exclusive of value added tax, withholding tax, and any other applicable taxes or duties, which are payable in addition by you.
07Cohorts, events, and paid digital products
Where we offer paid cohorts, workshops, training sessions, or other digital products through the Site, the following applies in addition to the engagement-specific terms:
- Booking is confirmed once payment is received in full.
- A place is reserved for you personally (or for the named delegate). It is not transferable without our prior written consent.
- We may change the schedule, format, or facilitator with reasonable notice. Where a change materially affects the value of the session for you, we offer a like-for-like reschedule or refund.
Refunds for paid cohorts and workshops:
- More than 14 days before the start date: full refund less a 5% administration fee.
- 7 to 14 days before the start date: 50% refund.
- Less than 7 days before the start date: no refund, but you may transfer your place to a colleague at no charge.
- If we cancel the session, you receive a full refund or the option to transfer to the next available session.
08Confidentiality
Where you share confidential information with us in the course of a discovery call, scoping conversation, or paid engagement, we treat it as confidential and use it only for the purpose for which it was shared. We require our team members and subcontractors to be bound by equivalent confidentiality obligations.
Confidentiality does not apply to information that is in the public domain through no fault of ours, that we already know without obligation of confidence, that we lawfully receive from a third party who is not bound by confidence, or that we are required to disclose by law or a regulator.
09Data protection
How we process your personal data is described in our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference. By using the Site or engaging with us, you confirm that you have read the Privacy Policy.
Where a paid engagement involves us processing personal data on your behalf, we will sign a data processing agreement that complies with the Nigeria Data Protection Act 2023, the General Application and Implementation Directive 2025, and, where relevant, GDPR.
10AI-assisted delivery
We use AI tools, including large language models, as part of our research, analysis, and delivery workflow. Final deliverables are reviewed, edited, and signed off by our team. We do not transmit confidential client information to third-party AI tools without your prior consent, and we use enterprise-grade tooling with appropriate data handling controls. Where this is material to your engagement, we will discuss it in scoping.
11Disclaimers and limitation of liability
To the maximum extent permitted by applicable law:
- The Site and any free content are provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
- We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
- We are not liable for any indirect, consequential, special, punitive, or exemplary loss or damage, including loss of profits, loss of revenue, loss of business, loss of goodwill, or loss of data, however caused.
- Our total aggregate liability arising out of or in connection with your use of the Site and any free content is limited to NGN 50,000 (Fifty Thousand Naira).
- For paid engagements, our liability is capped at the amount specified in the signed engagement letter or, in the absence of a specified cap, at the fees paid by you under that engagement in the 12 months preceding the event giving rise to the claim.
Nothing in these Terms excludes or limits our liability for fraud, fraudulent misrepresentation, death or personal injury caused by our negligence, or any other liability that cannot be excluded or limited by law.
12Indemnity
You agree to indemnify and hold harmless Ratio Africa, its directors, officers, employees, and agents from and against any claim, loss, damage, cost, or expense (including reasonable legal fees) arising out of:
- your breach of these Terms;
- your misuse of the Site;
- your infringement of any third party's intellectual property or other rights; or
- any content you submit or transmit through the Site.
13Suspension and termination
We may suspend or terminate your access to the Site at any time, with or without notice, where:
- you breach these Terms;
- we are required to do so by law or a regulator;
- we discontinue the Site or a particular feature; or
- we reasonably suspect fraudulent, abusive, or unlawful activity on your part.
Sections that by their nature should survive termination (including sections 3, 8, 9, 11, 12, 14, 15, and 16) survive.
14Changes to these Terms
We may update these Terms from time to time. The "Last updated" date at the top indicates when changes were made. For material changes, we will give reasonable notice through the Site or by email where appropriate. Continued use of the Site after a change means you accept the updated Terms. If you do not agree with a change, stop using the Site.
15Governing law and dispute resolution
These Terms and any dispute arising out of or in connection with them, the Site, or any free content (including non-contractual disputes) are governed by the laws of the Federal Republic of Nigeria.
The parties agree to attempt in good faith to resolve any dispute by negotiation within 30 days of written notice. If the dispute is not resolved within that period, the parties will refer the dispute to mediation at the Abuja Multi-Door Courthouse under its prevailing rules before commencing court proceedings.
Subject to the mediation step above, the courts of the Federal Capital Territory, Abuja, have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms.
Nothing in this section prevents either party from seeking urgent injunctive or interim relief from any competent court.
16General
Entire agreement. These Terms, together with the Privacy Policy and any engagement letter you sign with us, are the entire agreement between you and Ratio Africa in relation to the Site.
Severability. If any provision is found to be unenforceable, the rest of these Terms remain in force.
No waiver. A failure to enforce any provision is not a waiver of our right to enforce it later.
No partnership. Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Ratio Africa.
Assignment. You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign or transfer our rights and obligations to an affiliate or to a successor in the context of a sale or reorganisation.
Notices. Notices to us must be sent to connect@ratioafrica.com. Notices to you will be sent to the email address you provided.
Third party rights. A person who is not a party to these Terms has no right to enforce any of its provisions.
17Contact
Questions about these Terms can be sent to:
Ratio Africa Limited
connect@ratioafrica.com