Terms & Conditions

Welcome to the Nigeria Entrepreneurs Network (NEN), a Nigerian public benefit corporation (together with its affiliates, officers, directors, agents, employees, representatives, partners and their respective affiliates, collectively, “NEN”). This Terms of Use (“Agreement”) is a contract between you (“you”) and Nigeria Entrepreneurs Network (NEN) and governs your access and use of the nen.org.ng website and all other websites owned and operated by Nigeria Entrepreneurs Network (NEN), that have this Agreement posted (collectively, the “Website”), including, but not limited to, all transactions conducted on the Website and all NEN services provided in connection with the Website. By accessing or using the Website, you signify that you have read all of the terms and conditions in, and linked to, this Agreement (including the Privacy Policy), and you agree to be bound by this Agreement, whether or not you participate in NEN’s micro-lending program,Professional Networking, NEN’s industrial training or related programs, services or activities (collectively, the “Program”) or otherwise access or use the Website (in each such capacity, a “User”). If you do not agree with all of the terms and conditions in this Agreement, please do not participate in the Programs or access or use the Website.

 This Agreement supersedes any previous agreement to which you and NEN may have been bound. This Agreement may be modified by NEN in its sole discretion from time to time and such modifications shall automatically become part of this Agreement and shall be effective once posted by NEN on the Website (as indicated by the posted update date). Your participation in the Program and use of the Website will be subject to any such modifications. You should review the Website and this Agreement from time to time for any modifications. If you do not agree with any such modifications, please immediately terminate your registered NEN account, if any, as outlined in Section 9 below, and please immediately stop participating in the Programs and accessing and using the Website.

This Agreement will be binding on, inure to the benefit of and be enforceable against the parties and their respective successors and permitted assigns. NEN has the right to delegate, assign and otherwise transfer any or all of its rights and duties under this Agreement. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement. All rights not expressly granted herein are hereby reserved. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.
You may receive a written copy of this Agreement by emailing us at: contact@nen.org.ng, Subject: NEN Terms of Use Agreement or Terms & Conditions.

This Agreement is divided into the following sections:

  1.  Proprietary Rights
  2. Acceptable Use
  3. Professional Community Policies
    3.1. Be Real.
    3.2. Be Professional.
    3.3. Be Nice.
    3.4. Respect Others’ Rights and Follow the Law.
    3.5. Respect NEN Rights.
  4. General User Agreement
    4.1. Introduction
        4.1.1. Contract
        4.1.2. Change
    4.2. Obligations
        4.2.1. Service Eligibility
        4.2.2. Your Account
        4.2.3. Payment
        4.2.4. Notices and Messages
        4.2.5. Sharing
  5. Privacy Policy
        5.1. No sale of personal information.
        5.2. Information you provide through the account creation and update process.
        5.3. Comments and messages.
        5.4. Information from third parties.
        5.5. Information from cookies and web beacons.
        5.6. Electronic communications.
        5.7. Disclosure to affiliates, service providers, agents and representatives.
        5.8. Disclosure of non-personally identifiable data.
        5.9. Legal disclosures.
        5.10. Use of your information.
        5.11. Public Forums.
        5.12. Note regarding age under 18.
        5.13. Security.
        5.14. Location of data.
        5.15. Retention period.
        5.16. Modifications; Interpretation.
  6. General Membership Agreement

 1. Proprietary Rights

“NEN”, the “NEN” logo and other NEN graphics, logos, designs, page headers, button icons, scripts, names and branding are trademarks, service marks or trade dress of the Nigeria Entrepreneurs Network (NEN). NEN Marks may not be used, including, without limitation, as part of trademarks or domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of NEN. NEN or its licensors own and retain all proprietary rights in the Program, the Website and all content, material and information posted, uploaded, transmitted or otherwise shared by NEN thereon (collectively, “Content”). The Website and Program contain the copyrighted material, trademarks and other proprietary information of NEN and its licensors. You may display and make limited copies of the Content (other than the NEN Marks) for your personal, non-commercial use in connection with your participation in the Program (except as provided herein), but you may not alter, modify, publish, distribute, publicly display or sell any Content or other such proprietary information, or otherwise copy, transmit or use any Content or other such proprietary information without the express, prior written permission of NEN. 

If you post, upload, submit, transmit or otherwise share any messages or other content, information, images, photographs, pictures or other materials on the Website or to NEN in connection with or arising from your participation in the Program, including without limitation any feedback provided to NEN (collectively, “User Generated Content”), you agree to grant, and hereby grant to NEN an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to: (a) use, copy, perform, display and distribute the User Generated Content; (b) modify, alter, prepare derivative works of, and/or incorporate into other works, the User Generated Content; and (c) grant and authorize sublicenses of the foregoing. You represent and warrant that you have the right, power and authority to grant the foregoing license. In addition, you agree to release, discharge and agree to hold harmless NEN from any and all claims or liability, whether known or unknown, including any and all claims in connection with the publication, production, processing, distribution or exploitation of the User Generated Content, including, without limitation, any claims of infringement or violation of any intellectual property, moral, publicity, privacy or proprietary rights.

You acknowledge, consent and agree that NEN may, at its sole discretion and to the extent permitted by law, access, read, preserve and disclose your account information, usage history and User Generated Content in order to: (a) comply with any applicable law, regulation, legal process, or governmental request; (b) respond to claims that any Content violates the rights of third parties, including without limitation intellectual property rights; (c) enforce this Agreement and investigate potential violations thereof; (d) detect, prevent, or otherwise address fraud, security, or technical issues; (e) respond to your
requests for customer service; or (f) protect the rights, property, or personal safety of NEN, its users, or the public. Please see the Privacy Policy for more information regarding the use and disclosure of your information as part of the Program.

To file a notice of infringing material on the Website, please provide a notification containing the following details:

  • Reasonably sufficient details to enable us to identify the work claimed to be infringed or, if multiple works are claimed to be infringed, a representative list of such works (for example: title, author, any registration or tracking number, URL);
  • Reasonably sufficient details to enable us to identify and locate the material that is claimed to be infringing (for example a link to the page that contains the material);
  • Your contact information so that we can contact you (for example, your address, telephone number, email address);
  • A statement that you have a good faith belief that the use of the material identified by you is not authorized by the copyright owner, its agent, or the law;
  • A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the owner of the exclusive right that is alleged to be infringed; and Your physical or electronic signature.

Then send this notice to:

By Email:

2. Acceptable Use

You may access and use the Website for your personal, non-commercial use in connection with the Programs. The Website may not be accessed or used by you in connection with any other endeavors — commercial or otherwise — except as previously approved in writing by an authorized representative of NEN. Your access and use of the Website and participation in the Programs shall be in strict compliance with this Agreement, including, without limitation, NEN’s Privacy Policy, all other procedures and guidelines set forth on the Website and as part of the Programs, as well as applicable law.
You may not use the Website in any manner that could damage, disable, overburden or impair the Website or software, systems or equipment of NEN, any User, Field Partner or any other person. You may not use the Website in any manner that, in NEN’s sole discretion, creates a poor user experience for any other User, such as by posting content specifically designed to attract a negative reaction from an individual or group, or by “keyword stuffing” lending team pages (loading a page description with keywords in an attempt to manipulate the page’s ranking in search results). You may not transmit any chain letters, junk email or “spam” to any User, Partner, or any other person. NEN has the right to investigate and take appropriate legal action (including, without limitation, civil, criminal and injunctive redress) against any illegal and/or unauthorized uses of the Website or exploitations of the Programs, including collecting or harvesting (whether or not by automated scripts) the name, email address or any other personal or confidential information of any User, Partner, or any other person by electronic or other means for any reason, including, without limitation, the purpose of sending unsolicited email and unauthorized framing of or linking to the Website.

Although NEN assumes no obligation to monitor the conduct of any User on or off the Website or through the Programs, it is a violation of this Agreement to use the Website or Programs, or any information obtained from the Website or Programs, in order to: (i) harass, abuse, or harm another person (including, but not limited to, using profanity in lender messages or creating or joining lending teams in bad faith), (ii) prevent or exclude others, who are using the Website in compliance with this Agreement, from accessing, viewing or funding a particular Loan profile, or (iii) contact, advertise to, solicit, or sell to any User, Field Partner, Borrower or other person without their prior explicit consent. In order to protect such persons from such advertising, solicitation or harassment, NEN reserves the right to remove content from the Website that violates acceptable use in NEN’s sole discretion and restrict the number of emails or messages that a User may send to others through the Website in any 24-hour or other period to a number that NEN deems appropriate, in NEN’s sole and absolute discretion.

NEN reserves the right at all times (but will not have an obligation) to remove or refuse to post or distribute any Third Party Content, and to restrict, suspend or terminate the participation of any User or any lending team from the Website and the Program at any time, with or without prior notice. Without in any way limiting the foregoing, it is a violation of this Agreement to post, upload, submit, transmit or otherwise share any content, including, but not limited to, written materials or images, that in NEN’s opinion is obscene, harassing, contains profanity, or may be hateful or offensive on racial, ethnic, sexual or any other grounds; is harmful, vulgar or distasteful; contains graphic or gratuitous violence; or is defamatory, libelous, or invades another person’s privacy or proprietary rights.

In consideration of your use of the Website or participation in the Programs, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Website (“Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to NEN, to keep it accurate, current and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account. You agree not to impersonate any person or entity.

3. Professional Community Policies

NEN is an organisation that aims to put its members first when it comes to making important decisions. thousands of professional conversations and shared insights are being exchanged every day on NEN’s Services (defined in the User Agreement). To ensure these discussions help our members be more productive and successful, NEN has put in place these Professional Community Policies outlining the activities that are acceptable on the Services, and what is inappropriate and may be stopped by NEN. These rules are intended to provide guidance and restrictions governing your use of, and participation in, our Services.

3.1. Be Real.
Unlike some other online services, our members need to be real people, who provide their real names and accurate information about themselves. It is not okay to provide misleading information about yourself or your business, qualifications, work experience, affiliations, or achievements on our Services.


You may not impersonate others on the Services or mislead, confuse, or deceive others. Pretending to be someone else or to be representing a business in a way that is not truthful is not allowed. You are not allowed to use someone else’s name, image, or other personal information to deceive others into thinking you are someone other than yourself or associated with a business or organization when you are not. You also may not use or attempt to use another individual’s NEN account or create a member profile for anyone other than yourself (a real person). (The fact that in the rare cases NEN may allow clearly fictional profiles with express prior permission does not waive our right to prohibit your false profile or association with a business or organization.)


You may not misrepresent your identity or information or mislead, confuse, or deceive others. Do not provide inaccurate information. When choosing a profile picture, you may not use an image that is not your likeness or a head-shot photo for your profile. Also, you may not manipulate identifiers in order to disguise the origin of any message or post transmitted through the Services.

 3.2. Be Professional.

We acknowledge the value of discussions around professional activities and ask our members to behave professionally by not being dishonest or inappropriate. When creating content on the Services, we ask that you follow our Publishing Platform Guidelines and keep your content professional, relevant, and on-topic. Do not share false information or use the Services to shock or intimidate others. And it is not okay to share graphic, obscene, or pornographic content on the Services.

Honesty and Authenticity

Be honest, forthright, and respectful. Do not invite people you do not know to join our network, and do not share comments, opinions, or other content in a manner that is intended to be misleading or inaccurate or to conceal a conflict of interest or unlawful motive. You may not use the Services to share false content or information, including news stories, that presents untrue or unverified facts or events as though they are true or likely true. When you share content or endorse someone or something in exchange for personal benefit (including personal or family relationships, monetary payment, free products or services, or other value), you must include a clear and conspicuous notice of the personal benefit you receive.


Your messages, posts, comments, and other content must be on-topic and relevant. The Services provide a professional community for sharing professional content and information, so do not post or otherwise provide content that is irrelevant or inappropriate.

Adult Content

It’s not acceptable to post content containing nudity, sexually explicit material, or pornography. Some adult content may be allowed in an educational, medical, scientific, or professional artistic context so long as it is not gratuitously graphic. The Services are never to be used for sexual exploitation of children. You also may not post content that threatens sexual violence or sexual assault. You may not use the Services to engage in or promote escort services, prostitution, or human trafficking.

3.3. Be Nice.
We strive to maintain a safe and friendly community for our members. The Services shouldn’t be used to harm others or their career or business prospects or to air personal grievances and disputes. It is not okay to use the Services to harass, abuse, or send other unwelcome communications to people (e.g., romantic advances, sexually explicit content, junk mail, spam, chain letters, phishing schemes). We do not allow hate speech acts like attacking people because of their race, ethnicity, national origin, gender, sexual orientation, political or religious affiliations, or medical or physical condition. Also, hate groups, terrorists, and those who engage in violent crimes are not welcome and not permitted on the Services.

Bullying and Harassment

Bullying or harassment that targets individuals or groups to degrade or shame them is not allowed. This includes, but is not limited to, abusive or humiliating language, sexual advances and innuendo, revealing others’ personal or sensitive information (aka “doxing”) or posting content about them without consent, or inciting or engaging others to do any of the same.

Hate, Violence, and Terrorism

We do not allow organizations or groups that engage in or promote violence or property damage, organized criminal activity, prejudice, or hate. Also, you may not use our Services to express support for such groups or to post content or otherwise use the Services to incite violence or hatred against particular individuals or groups.

Content that depicts terrorist activity, that is intended to recruit for terrorist organizations, or promotes or supports terrorism in any manner, is not tolerated on the Services.

Harmful Content and Shocking Material

You may not post violent or graphic content or otherwise use the Services with the intent to shock or humiliate others. We do not allow activities that promote, organize, depict or facilitate criminal activity. We also do not allow content depicting or promoting instructional weapon making, drug abuse, and threats of theft. Content or activities that promote or encourage suicide or any type of self-injury, including self-mutilation and eating disorders, is also not allowed.


Untargeted, irrelevant, unwanted, unsolicited, unauthorized, inappropriately commercial or promotional, or gratuitously repetitive messages and other similar content are considered spam and are not allowed on the Services. You may not use our invitation features to send messages to people who don’t know you or who are unlikely to recognize you as a known contact. Please make the effort to create original, professional, relevant, and interesting content in order to gain popularity, instead of trying ways to artificially increase the number of views, re-shares, likes, or comments.

3.3. Respect Others’ Rights and Follow the Law.
Before sharing or using someone else’s copyrighted works, trademarks, private information, or trade secrets, please make sure you have the legal right to do so. The Services should not be used for illegal activities, promoting illegal products or to violate the rights of others. Don’t use the Services to commit fraud or to try to trick others. Also, don’t use the Services to intentionally distribute viruses, worms or other software that can destroy or interrupt others’ data or computer devices.

Privacy and Publicity

You must respect others’ privacy on the Services. You may not solicit email addresses or other personal information from NEN members you don’t know without authorization; use, disclose or distribute any data obtained in violation of any of our policies or agreements; disclose information that you do not have the consent to disclose (such as personal or confidential information of others, including your employer); or post or distribute content depicting children without the necessary consent from such child’s legal guardian or parent. Do not use others’ names, likenesses or photos to suggest an endorsement of a product, service or investment without their prior consent.

Compliance with Law

Your use of the Services must comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements. You may not use the Services to create or operate a pyramid scheme, engage in fraud, or to sell or promote illegal drugs.

Copyright and Trademark

We respect the intellectual property rights of others and do not allow copyright infringement. You may not violate the intellectual property rights of others, including copyrights, patents, trademarks, trade secrets, or other proprietary rights. For example, do not copy or distribute (except through the available sharing functionality) the posts or other content of others without their permission, which they may give by posting under a Creative Commons license. Please visit NEN’s Copyright Policy to learn more about how to report alleged copyright infringement. You can learn more about our Trademark Policy here.

3.5. Respect NEN Rights.
Don’t violate the rights of the NEN. You can find more information about what this means in our User Agreement. It is also not okay to suggest that you are affiliated with or endorsed by NEN when you are not. Do not violate our intellectual property rights, scrape the Services, or interfere with or disrupt the Services.

Unauthorized Access and Use

You may access the Services solely in the manner that we expressly authorize, for the tasks that the Services are intended for. You may not access the Services except through the interfaces intentionally provided by NEN, such as its nen.org.ng or NEN mobile applications.

Interference with the Service

You may not interfere with the functionality of, or our rights in, the Services. You may not remove any copyright, trademark or other proprietary rights notices contained in or on the Services.

Respect Our Rules

You must follow the spirit and letter of our rules, agreements, and policies. You may not violate any additional terms concerning the specific Services that are providefour-one-1d when you sign up for or start using such Services.

4. General User Agreement

Our mission is to connect the Nigeria and world’s business professionals to allow them to be more productive and successful. Our services are designed to promote economic opportunity for our members by enabling you and thousands of other professionals to meet, exchange ideas, learn, and find opportunities or employees, work, and make decisions in a network of trusted relationships.

4.1. Introduction

When you use our Services you agree to all of these terms. Your use of our Services is also subject to our Cookie Policy and our Privacy Policy, which covers how we collect, use, share, and store your personal information.

4.1.1. Contract

You agree that by clicking “Join Now”, “Join NEN”, “Sign Up” or similar, registering, accessing or using our services (described below), you are agreeing to enter into a legally binding contract with NEN (even if you are using our Services on behalf of a company). If you do not agree to this contract (“Contract” or “User Agreement”), do not click “Join Now” (or similar) and do not access or otherwise use any of our Services. If you wish to terminate this contract, at any time you can do so by closing your account and no longer accessing or using our Services.

This Contract applies to nen.org.ng, NEN-branded apps and other NEN-related sites, apps, communications and other services that state that they are offered under this Contract (“Services”), including the offsite collection of data for those Services, such as our ads and the “Apply with NEN” and “Share with NEN” plugins. Registered users of our Services are “Members” and unregistered users are “Visitors”. This Contract applies to both Members and Visitors.

As a Visitor or Member of our Services, the collection, use and sharing of your personal data is subject to this Privacy Policy (which includes our Cookie Policy and other documents referenced in this Privacy Policy) and updates.

4.1.2. Change
We may modify this Contract, our Privacy Policy and our Cookies Policies from time to time. If we make material changes to it, we will provide you notice through our Services, or by other means, to provide you the opportunity to review the changes before they become effective. We agree that changes cannot be retroactive. If you object to any changes, you may close your account. Your continued use of our Services after we publish or send a notice about our changes to these terms means that you are consenting to the updated terms.

4.2. Obligations

4.2.1. Service Eligibility
To use the Services, you agree that: (1) you must be the “Minimum Age” (described below) or older; (2) you will only have one NEN, which must be in your real name; and (3) you are not already restricted by NEN from using the Services. Creating an account with false information is a violation of our terms, including accounts registered on behalf of others or persons under the age of 18.

“Minimum Age” means 18 years old. However, if law requires that you must be older in order for NEN to lawfully provide the Services to you without parental consent (including using of your personal data) then the Minimum Age is such older age.

4.2.2. Your Account
Members are account holders. You agree to:
(1) try to choose a strong and secure password;
(2) keep your password secure and confidential;
(3) not transfer any part of your account (e.g., connections) and
(4) follow the law and our list of Dos and Don’ts and Professional Community Policies.

You are responsible for anything that happens through your account unless you close it or report misuse.
As between you and others (including your employer), your account belongs to you. However, if the Services were purchased by another party for you to use (e.g. Recruiter seat bought by your employer), the party paying for such Service has the right to control access to and get reports on your use of such paid Service; however, they do not have rights to your personal account.

4.2.3. Payment
If you subscribe for our paid Membership or Services (“Premium Services”), you agree to pay us the applicable fees and taxes and to additional terms specific to the paid Membership or Services. Failure to pay these fees will result in the termination of your paid Membership or Services. Also, you agree that:

Your purchase may be subject to foreign exchange fees or differences in prices based on location (e.g. exchange rates).
We may store and continue billing your payment method (e.g. credit card) even after it has expired, to avoid interruptions in your Services and to use to pay other Services you may buy.
If you purchase a subscription, your payment method automatically will be charged at the start of each subscription period for the fees and taxes applicable to that period. To avoid future charges, cancel before the renewal date. Learn how to cancel or suspend your Premium Services.
Some of your purchases of Services are subject to NEN’s refund policy.
We may calculate taxes payable by you based on the billing information that you provide us at the time of purchase.
You can get a copy of your invoice through your NEN account settings under “Purchase History”.

4.2.4. Notices and Messages
You’re okay with us providing notices and messages to you through our websites, apps, and contact information. If your contact information is out of date, you may miss out on important notices.
You agree that we will provide notices and messages to you in the following ways:
(1) within the Service, or
(2) sent to the contact information you provided us (e.g., email, mobile number, physical address).
You agree to keep your contact information up to date.
Please review your settings to control and limit messages you receive from us.

4.2.5. Sharing
Our Services allow messaging and sharing of information in many ways, such as your profile, updates, links to news articles, job postings, InMails and blogs. Information and content that you share or post may be seen by other Members, Visitors or others (including off of the Services). Where we have made settings available, we will honor the choices you make about who can see content or information (e.g., message content to your addressees, sharing content only to NEN connections, restricting your profile visibility from search engines, or opting not to notify others of your NEN profile update). For job searching activities, we default to not notifying your connections network or the public. So if you apply for a job through our Service or opt to signal that you are interested in a job, our default is to share it only with the job poster.
We are not obligated to publish any information or content on our Service and can remove it in our sole discretion, with or without notice.


5. Privacy Policy

5.1. No sale of personal information
NEN will not rent or sell your personal information to third parties.

5.2. Information you provide through the account creation and update process.
When you create an account on the Website, we collect basic information about you through the registration process – your name, email address, and a means to authenticate your account (for example, a password). You may also choose to provide additional information through the account creation and update process, such as the person who referred you to NEN, your location (for example, city, state/province and country), a picture and your address and many more. If you choose to access the Website through your Facebook account, you are creating an account with NEN on the Website and you grant NEN permission to access your basic Facebook information (including gender and birthday) and, with your express consent, to use other information about you from Facebook in accordance with the Facebook terms of use, our Terms of Use and this Privacy Policy. Services like Facebook Connect give you the option to post information about your activities on this Website to your profile page to share with others within your network. You can review and update the account information you provide to NEN through the Website by logging into your account on the Website. We collect any additional information you choose to provide us when you update your account on the Website.

5.3. Comments and messages.
If you use interactive features on the Website to write a comment (for example, on a NEN blog, message board or Community Portal), NEN will collect your name and your comment, and optionally, your location and NEN may publicly display this information. If you use interactive features on the Website to write a message through NEN’s lender messaging feature, NEN will collect your information.

5.4. Information from third parties.
NEN collects your information from third parties to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program and further NEN’s mission. Examples of information we receive from other sources include information from another User about whether you referred that User to NEN, information from service providers about your use of the Website. If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. NEN stores this information for the sole purpose of sending this one-time email, offering the ability for you to easily remind your friend and tracking the success of our referral program. Your friend may contact us at contact@nen.org.ng to request that we remove this information from our database. You can import contacts from your Gmail, Yahoo! or other email account address book to invite them to become members of our site. We or our service providers collect the username and password for the email account from which you wish to import your contacts and we will only use it for that purpose. To understand the ways in which NEN may disclose your information to our affiliates, service providers, agents and representatives, please see Section 10 (Disclosure to affiliates, service providers, agents and representatives) below of this Privacy Policy.

5. 5. Information from cookies and web beacons.
Cookies are small text files created by a website that store information on your computer, such as your preferences when visiting that website. Similar to many websites, if you have enabled cookies in your browser, NEN, independently and through enabled third party tools and programs, collects certain technical information using cookies, such as the path of users to the Website, pages visited, originating IP address, browser type, browser language and the date and time of the user’s visit. This information helps NEN track trends and improves areas of the Website and Program, and are common analytics used by most websites. If you have disabled cookies, the Website may not work as it is intended because NEN uses cookies when you sign in to keep track of your personal session. Web beacons are tiny graphics with a unique identifier that are similar in function to cookies but, instead of being stored on your computer, are embedded invisibly on web pages and are about the size of the period at the end of this sentence. Web beacons are used to track the online movements of internet users. NEN uses them to better understand User interaction and engagement with the Website and Program (including without limitation, in electronic Communications), such as by learning whether certain users have accessed the Website via links from other websites. NEN can use this information to tailor its audience for advertisements promoting NEN. You may set your browser preferences to opt out of the collection and use of this tracking information for ad targeting purposes. One way to set your preferences for what sites can or can’t share tracking information with NEN (or with other websites) is by using a service such as the one available at www.aboutads.info/choices. NEN also uses cookies for remarketing, by placing a cookie in your browser to signal that you’ve visited the Website. This gives us the option to show you ads for NEN when you visit other websites that host advertisements. NEN supports the Do Not Track preference available on most internet browsers. When you have enabled the Do Not Track setting on your browser, NEN’s remarketing functionality will be disabled. The use of cookies by third parties on the Website is for the purpose of making the Website easier to use and to enable certain features of the Website and is not covered by this Privacy Policy. We do not have control over these cookies.

5.6. Electronic communications.
From time to time you will receive disclosures, notices, documents and information based on your account information, status or activity (collectively, “Communications”) from NEN(for example, confirmations of training or Loans you have made, confirmation receipts for donations you have made, statements or other information with respect to the amount of credit available in your NEN account, confirmation of email address or password changes, or customer service inquiries regarding the status of or activity in your account). By creating an account with NEN on the Website, you agree that all Communications from NEN relating to your use of the Website and participation in the Program may be provided or made available to you electronically by e-mail or at the Website. To access the Communications electronically, you will need to use a computer with Internet Explorer 8.0 or above,
Chrome 4.0 or above, Safari 4.0 or above, Opera 10.0 or above or Firefox internet browsers and with hardware capable of running these internet browsers. You may withdraw your consent to receive Communications electronically by contacting NEN in the manner described below. However, if you withdraw your consent to receive Communications electronically from NEN (other than for the optional emails described in Section 9 (Optional emails) below), NEN will not have the ability to permit you to fund any additional Loans through your account on the Website. The withdrawal of your consent will not affect the legal validity and enforceability of electronic Communications provided by or on behalf of us in connection with any of your Loans that have not been fully repaid, or any electronic Communications provided by or on behalf of NEN prior to the time you withdraw your consent. It is your responsibility to keep NEN informed of any changes in your email address so that you continue to receive all Communications without interruption. By registering on the Website, you acknowledge that you can access the electronic Communications, and you consent to having all Communications provided or made available to you in electronic form and to participate in the Program electronically. We may also provide you with Communications through physical mail. You may request a paper copy of any electronic notice from NEN by sending an email to contact@nen.org.ng, including your name and the address to which you would like the paper copy sent.

5. 7. Disclosure to affiliates, service providers, agents and representatives.
We will disclose your personal information with third parties only in the ways that are described in this privacy statement. NEN’s affiliates and service providers, agents and representatives of NEN and its affiliates may be provided access to your personally identifiable information as part of, or incident to, their provision of services to NEN (for example, processing Loan transactions, distributing NEN emails and fulfilling physical orders). All such access shall be under appropriate confidentiality agreements and limited to use to provide services to NEN to help NEN further its mission.

5.8. Disclosure of non-personally identifiable data.
NEN reserves the right to disclose information that does not directly identify you, for example, aggregated or anonymized data, for educational, informational or promotional purposes in furtherance of NEN’s mission.

5.9. Legal disclosures.
Notwithstanding anything to the contrary in this Privacy Policy or the Terms & Conditions, you acknowledge, consent and agree that NEN may disclose information in order to: (a) comply with applicable law, regulation, legal process, or governmental request; (b) protect the rights, property and safety of NEN, Members/users and others, including intellectual property rights; and (c) enforce or apply our agreements and policies.

5.10. Use of your information.
In addition to the uses (including display and disclosure) of your information that we have described above in this Privacy Policy, NEN uses your information that NEN has collected as described above in this Privacy Policy in order to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program (for example, to personalize the content provided to you on the Website and to enhance connections between lenders and between lenders and borrowers) and further NEN’s mission. With your consent we may post a short profile along with your name in the Meet the Fellows area of the Website. If you want your profile removed please contact us.

5.11. Public Forums.
Our Website offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us at contact@nen.org.ng In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

5.12. Note regarding age under 18.
The Website is intended to be used by adults. It is not intended for children, and NEN does not want to collect any personal information for persons who are under the age of 18. NEN recommends that parents do not post, or permit others to post, any personally identifiable information with respect to persons under the age of 18. If you believe that we have any information from a child under age 18, please contact us at contact@nen.org.ng

5.13. Security.
NEN takes reasonable steps to maintain appropriate physical, technical such as encrypting transmission of information using SSL and administrative security to help prevent loss, misuse and unauthorized access, disclosure and modification of personal information. While we take these reasonable efforts to safeguard your personal information, no system or transmission of data over the Internet or any other public network can be guaranteed to be 100% secure.

14. Location of data.
NEN is headquartered in the Nigeria. Your personal information may be accessed by NEN, our affiliates, service providers, agents and representatives in the Nigeria or elsewhere in the world. By providing us with personal information, you consent to this transfer. NEN will protect the privacy and security of personal information according to this Privacy Policy regardless of where the personal information is processed or stored.

5.15. Retention period.
NEN reserves the right to retain your personal information for a period of seven years or more to satisfy legal requirements such as record keeping and tax and credit reporting requirements, as well as for purposes of fraud prevention, audit and data integrity. In addition, NEN reserves the right to retain, as well as to use and disclose as permitted pursuant to this Privacy Policy, your personal information for such period of time as reasonably needed by NEN to facilitate activities and transactions for the operation of the Website and Program, improve User experiences on the Website and in the Program and further NEN’s mission. NEN reserves the right to retain information that does not directly identify you, for example, aggregated or anonymized data.

5.16. Modifications; Interpretation.
NEN may update or modify this Privacy Policy from time to time. If any changes are made, NEN will reflect the date on which any such changes are made and posted by updating the “last updated” date at the top of the page. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Website prior to the change becoming effective. Please be sure to check this page periodically for changes. Capitalized terms used but not defined in this Privacy Policy have the meanings set forth in the Terms of Use.


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