These Terms and Conditions govern your access to and use of the website, online platforms, content, information and services provided by STI Asset Management ("STI Asset Management", "we", "us" or "our"). By accessing or using this website, you acknowledge that you have read, understood and agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree with these Terms and Conditions, you should discontinue your use of the website.
1. About This Website
This website provides information about STI Asset Management, our investment management services, products, market insights, research, career opportunities and other related services.
Certain products or services made available through this website may be subject to additional agreements, application forms, mandates, investment documents or other terms. Where additional terms apply, those terms will govern the relevant product or service in addition to these website Terms and Conditions.
2. No Investment Advice
Information provided on this website is for general information purposes only and should not be interpreted as personal investment, financial, legal, tax or other professional advice.
Information presented on the website does not take into account the investment objectives, financial circumstances, risk tolerance or specific requirements of any individual or organisation.
You should carefully consider your financial circumstances and obtain appropriate professional advice where necessary before making an investment decision.
3. Investment Risk
All investments involve risk. The value of investments and the income generated from them may increase or decrease, and investors may not recover the full amount originally invested.
Past performance does not guarantee future performance.
Any projections, forecasts, market commentary, expected returns or other forward-looking information provided on this website are indicative only and should not be regarded as a guarantee of future performance or investment results.
4. Products and Services
Information relating to investment products or services displayed on this website is provided for general informational purposes.
The availability of a particular product or service may depend on applicable eligibility requirements, regulatory requirements, investment objectives, risk assessment, documentation and other conditions established by STI Asset Management.
Nothing on this website constitutes an offer, solicitation or recommendation to enter into any investment transaction except where expressly stated and permitted under applicable law.
5. Accuracy of Information
STI Asset Management takes reasonable steps to ensure that information published on this website is accurate and up to date.
However, financial markets, economic conditions, regulations, product information and other circumstances may change. We therefore do not represent that all information available on the website will always be complete, current or error-free.
Where you identify information that appears to be incorrect or outdated, you may contact us so that it can be reviewed.
6. Market Data and Research
Market information, research, commentary, reports, charts, statistics and other analytical material available through this website may be obtained from internal or third-party sources considered reliable.
Such information is provided for informational purposes and should not be regarded as a guarantee of accuracy, completeness or future market performance.
Opinions and market views may change as market conditions and available information change.
7. Client Login and Account Security
Where the website provides access to a client portal or other restricted area, you are responsible for maintaining the confidentiality of your login credentials and for taking reasonable steps to prevent unauthorised access to your account.
You must not disclose your password or security credentials to an unauthorised person.
You should notify STI Asset Management promptly if you become aware of or reasonably suspect unauthorised access to your account or misuse of your login credentials.
We may temporarily restrict or suspend access to an account where reasonably necessary to protect the account, our systems or our clients.
8. Acceptable Use
You agree not to use this website:
- For any unlawful, fraudulent or malicious purpose.
- To attempt to gain unauthorised access to the website, its servers, databases, client accounts or other systems.
- To introduce viruses, malware, malicious code or any technology intended to disrupt or damage the website.
- To interfere with the availability, performance or security of the website.
- To impersonate another person or provide false or misleading information.
- To copy, scrape, reproduce or commercially exploit website content except where expressly permitted.
9. Intellectual Property
Unless otherwise stated, the content of this website, including text, graphics, logos, branding, reports, research materials, page layouts, software and other materials, is owned by or licensed to STI Asset Management and is protected by applicable intellectual property laws.
You may view and download website materials for your personal and lawful use.
You may not reproduce, distribute, modify, publish, sell or commercially exploit our content without prior written permission, except where permitted by law.
10. Third-Party Websites
This website may contain links to websites, platforms or services operated by third parties.
These links are provided for convenience or informational purposes. STI Asset Management does not control third-party websites and is not responsible for their content, availability, security, privacy practices or terms of use.
You should review the terms and privacy policies applicable to any third-party website before providing personal information or using its services.
11. Website Availability and Security
We take reasonable steps to maintain the availability and security of this website. However, access may occasionally be interrupted due to maintenance, technical difficulties, security events, telecommunications failures or circumstances outside our reasonable control.
We do not guarantee that the website will always be available without interruption or that every technical error will be corrected immediately.
Users are responsible for maintaining appropriate security protections on the devices and networks they use to access the website.
12. Limitation of Liability
To the extent permitted by applicable law, STI Asset Management will not be responsible for losses resulting solely from reliance on general information provided through this website where such information was not provided as personalised investment advice.
Nothing in these Terms and Conditions is intended to exclude or limit any responsibility or liability that cannot lawfully be excluded or limited under applicable Nigerian law.
13. Privacy and Personal Information
Personal information submitted through this website will be processed in accordance with our Privacy Policy and applicable data protection laws.
Please review our Privacy Policy for information about the personal data we collect, the purposes for which it is processed, how it is protected and the rights available to data subjects.
14. Cookies
This website may use cookies and similar technologies that are necessary for the operation, security and functionality of the website.
Additional information about our use of cookies and the choices available to users is provided in our Cookie Policy.
15. Changes to These Terms
STI Asset Management may update these Terms and Conditions from time to time to reflect changes to our website, services, business practices, regulatory requirements or applicable law.
Updated Terms and Conditions will be published on this page. Where appropriate, we may also provide additional notice of material changes.
You are encouraged to review this page periodically.
16. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.
Any dispute arising from the use of this website will be handled in accordance with applicable Nigerian law and any dispute-resolution arrangements that may separately apply to the relevant service or transaction.
17. Contact Us
Questions regarding these Terms and Conditions may be directed to:
STI Asset Management
Plot 169b Moshood Olugbani Street
Victoria Island, Lagos
Email: info@stiassetmgt.com
Telephone: 09165439544 | 08033230987