Terms & Conditions

Last updated: 25 November 2025

THIS IS AN AGREEMENT BETWEEN YOU AND JOHNCROSS ILOABACHIE, AND IT GOVERNS YOUR ACCESS TO AND USE OF THE SITES, PRODUCTS AND SERVICES PROVIDED. BY ACCESSING THE SITES OR USING THE PRODUCTS AND SERVICES PROVIDED, YOU AGREE TO BE BOUND BY AND COMPLY WITH THESE TERMS AND CONDITIONS:

1. DEFINITIONS AND INTERPRETATION

The following terms as used in this Agreement have the meaning this section ascribes them:

"Agreement" means this Terms and Conditions Agreement;

"Confidential Information" means information, whether written or oral, in any form, including without limitation, other material or information considered proprietary or confidential;

"Deliverables" means the URL, QR code, AI agent, products, services, and anything Johncross Iloabachie makes available to you;

"JC" refers to Johncross Iloabachie; and

"The Sites" refers to jcvoices.com, including all online presence belonging to JC.

2. ELIGIBILITY TO USE THE SITES

You represent and warrant that you can form legally binding agreements under applicable local, state, national and international laws, rules and regulations. If you are accepting this Agreement on behalf of any person or entity, you represent and warrant that you are legally authorised to do so.

3. DATA PRIVACY AND CONFIDENTIALITY

3.1 JC collects both personally identifiable information and non-personally identifiable information when you use the products and services provided. For more details on how JC collects, stores, and uses your data, please refer to the Privacy Policy.

3.2 Neither party shall disclose in any way, any Confidential Information of the other party to any other person or entity, either during the term of this Agreement or at any time thereafter, without the prior written permission of the affected party, except where disclosure is required pursuant to a requirement of a government agency or law.

4. REVIEW, PAYMENT, AND REFUND POLICY

4.1 JC will make every effort to provide you with the opportunity to review your completed project before making a purchase or subscribing to the service.

4.2 By making any payment to JC, you confirm that you have reviewed the completed project and are satisfied with the work. Your payments are securely processed through Flutterwave.

4.3 All payments received by JC are non-refundable, unless the completed project does not meet the specifications or requirements you requested. For full details, please see JC's Refund Policy.

5. BEHAVIOUR AND CONDUCT

5.1 You will not engage in any abusive, offensive, illegal or unethical behaviour with regard to the Deliverables.

5.2 You will not make inappropriate use of the contact information and channels JC makes available to you.

5.3 You will not impersonate any person or entity, or give any false or misleading information in your dealings with JC.

5.4 You represent and warrant that to the best of your knowledge, anything you make available to JC does not and will not infringe the rights of any third party.

6. INDEMNIFICATION

You will indemnify, defend and hold harmless JC from and against any and all damages, liabilities, costs, losses, expenses or legal fees arising out of any claim, demand or action by a third party in connection with your use of the Deliverables.

7. OWNERSHIP OF INTELLECTUAL PROPERTY RIGHTS

The Deliverables and their entire original content are owned by JC, and are protected by copyright, trademark or other intellectual property laws. You shall not reproduce these intellectual properties without the prior written permission of JC. If any material on them infringes your intellectual property rights, you shall contact JC, with proof of ownership, and request that such material be removed.

8. DISCLAIMER OF WARRANTIES

JC disclaims any and all warranties, whether express or implied, including, without limitation, any warranties of performance or implied warranties of merchantability, title, non-infringement and fitness for a particular purpose. In addition, JC does not make any representation or warranty that the Deliverables are accurate, complete, reliable, suitable, useful, current, error-free or virus-free, or that the operation of services will be uninterrupted.

9. LIMITATION OF LIABILITY

In no event will JC be liable to you for damages of any kind, including without limitation any lost data, content or profit, or business interruption or any indirect, incidental, special, consequential, exemplary or punitive damages, which may arise out of or in connection with this Agreement or your use of the Deliverables, regardless of whether either party has been apprised of the possibility or likelihood of such damages occurring, or whether claims are based or remedies are sought in contract or tort otherwise.

10. HEADINGS, SEVERABILITY AND WAIVER

10.1 The headings of sections or clauses herein are for convenience only and shall not affect the meaning of the provisions of this Agreement.

10.2 If any provision of this Agreement is held by any court of competent jurisdiction to be invalid, illegal or unenforceable, whether in whole or in part, both parties nevertheless agree that the court should endeavour to give effect to the parties’ intentions as reflected in the provision, and all other provisions shall remain in full force and effect.

10.3 The delay or failure of JC to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision.

11. DISPUTE RESOLUTION

All claims and disputes arising under or relating to this Agreement shall be settled by binding arbitration, if not resolved amicably by negotiation within 30 days.

12. GOVERNING LAW AND JURISDICTION

This Agreement shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

13. FORCE MAJEURE

Neither party shall be liable for any failure or delay in performing any of its obligations under this Agreement if such failure or delay is due to an event, circumstance or cause beyond its reasonable control.

14. CHANGES TO THIS AGREEMENT

JC may make changes to this Agreement from time to time. Updates are effective upon posting. It is your responsibility to review this Agreement frequently and remain informed of any changes. Your continued use of the products and services after such changes have been posted constitutes your acceptance of the revised Agreement. Disputes arising under this Agreement will be resolved in accordance with the version of the Agreement that was in effect at the time the dispute arose.

15. CONTACT INFORMATION

You may contact JC using the details below:

Email: john@jcvoices.com

Business Address: Onitsha, Anambra State, Nigeria

JC will endeavour to respond to all enquiries or issues within one business day.