Welcome to CenturyStacks! These Terms of Service ("Terms") govern your use of our website and services. By accessing or using CenturyStacks, you agree to abide by these Terms. If you do not agree, please refrain from using our Platform.

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1. Acceptance of Terms

By using CenturyStacks, you confirm that you are at least 18 years old or have parental consent to use the Platform. You also agree to comply with all applicable Nigerian laws and regulations. If you do not meet these requirements, you must discontinue use of the Platform immediately.

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2. Account Registration

• You must provide accurate and complete information when creating an account.

• You are responsible for safeguarding your account credentials and any activity that occurs under your account.

• We reserve the right to suspend or terminate accounts if fraudulent, suspicious, or unauthorized activity is detected.

• You may not share or transfer your account credentials to others without prior authorization.

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3. Use of Services

• You agree to use CenturyStacks for lawful and educational purposes only.

• Unauthorized access, data scraping, or modification of content is strictly prohibited.

• Any misuse of the Platform, including attempts to interfere with its functionality, may result in account suspension or legal action.

• We reserve the right to limit or restrict access to certain features or content at our discretion.

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4. Intellectual Property

• All content on CenturyStacks, including course materials, logos, graphics, and design elements, is owned by CenturyStacks or licensed to us.

• You may not copy, distribute, modify, or reproduce any content without explicit written permission.

• Unauthorized use of our intellectual property may result in legal action under the Nigerian Copyright Act.

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5. Educational Disclaimer

CenturyStacks provides educational content related to finance, business, technology, and other subjects. The information provided is for general educational purposes only and should not be considered professional, financial, investment, legal, or medical advice. We do not guarantee the accuracy, reliability, or applicability of any information presented.

• No Financial or Investment Advice: CenturyStacks does not offer financial, investment, or trading advice. Users should conduct their own research and consult with qualified professionals before making any financial decisions. CenturyStacks is not licensed by the Nigerian Securities and Exchange Commission (SEC).

• No Legal or Medical Advice: Any content related to legal or health topics is purely informational and should not be used as a substitute for professional advice.

• Individual Responsibility: Users are responsible for their own decisions based on the content provided.

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6. Payment and Refund Policy

• Certain services, courses, or memberships require payment. By purchasing a course or subscription, you agree to our pricing and payment terms.

• Payments are processed securely through third-party providers.

• Refunds are subject to our refund policy, which will be outlined separately on the Platform, in compliance with Nigerian consumer protection laws.

• Unauthorized chargebacks or fraudulent payment activity may result in account suspension and legal action.

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7. Data Protection and Privacy

• We comply with the Nigeria Data Protection Act (NDPA) in handling user data.

• Users' personal data will not be shared with third parties without consent, except as required by law.

• For more information on data handling, please refer to our Privacy Policy.

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8. Limitation of Liability

• CenturyStacks is not liable for any direct, indirect, incidental, or consequential damages arising from your use of the Platform.

• We do not guarantee uninterrupted access or error-free functionality.

• We are not responsible for any third-party content, links, or services accessed through our Platform.

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9. User Conduct and Restrictions

• Users must not post or share any illegal, harmful, or inappropriate content on the Platform.

• Harassment, hate speech, discrimination, or abusive behavior will not be tolerated.

• Any attempt to compromise Platform security or access unauthorized data will result in immediate termination of services and potential legal consequences.

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10. Termination

We reserve the right to terminate or restrict access to CenturyStacks at our discretion, without prior notice, for any violation of these Terms. Upon termination, your right to use the Platform ceases immediately, and any stored data may be deleted.

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11. Modifications to Terms

We may update these Terms periodically to reflect changes in our services or legal requirements. Continued use of the Platform after changes are made constitutes acceptance of the updated Terms. Users are encouraged to review this page regularly.

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12. Governing Law and Dispute Resolution

These Terms are governed by the laws of Nigeria. Any disputes arising from these Terms shall be resolved in the appropriate courts of Nigeria. Users agree to attempt alternative dispute resolution before seeking legal action.

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13. Contact Information

If you have any questions about these Terms, please contact us at support@centurystacks.com.