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The Terms of Service (“Terms of Service” or “Terms”) set forth below create a legal agreement (“Agreement”) between you (“you” or “your”) and (“we,” “our,” or “us”) and govern your use of our services, including but not limited to our Website, products and services (collectively and individually, the “Services”). PLEASE READ ALL OF OUR TERMS OF SERVICE CAREFULLY. By using our Services, you are agreeing to these Terms of Service, together with all policies referenced below, any and all Terms that may limit our liability and require individual arbitration for any potential legal dispute, any additional terms specific to Services you use (including, without limitation, such specific terms as are described below), and any and all conditions and policies of third parties and hyperlinks which may be referenced on our Website. If you are using the Services on behalf of a business, that business accepts our Terms of Service and becomes a party to this Agreement.

These Terms of Service apply to all users of our Website (“Website”), including, without limitation, browsers, vendors, Purchasers, customers, merchants, and/or contributors.

By agreeing to these Terms of Service, you are additionally agreeing to our Privacy Policy set forth below, which governs how we collect, use, and protect personal information provided to us.

These Terms of Service are a contractual offer, acceptance of which is expressly limited to your agreement to each and every Term of Service. If you do not agree to any Term of Service, then you agree not to access our Website or to use our Services. Our online platform is hosted on www.merignos.com (“MERIGNOS”) provides us with an online consulting platform allowing us to sell products and services to you. If you do not agree with this aspect of our Terms of Service, do not purchase or use any Services and exit this Website.

We reserve the right to update, change or replace any part of our Terms of Service by posting updates and/or changes to our Website. It is your responsibility to check this page periodically for updates and changes. Your continued use of or access to the Website following the posting of any updates or changes constitutes your acceptance of any future updates and changes. All features, tools, Content (as defined below), or Services which may be added to our online platform are subject to our Terms of Service.

Our Services include functionality for downloading/uploading, providing photos, images, logos, graphics, user interface, scripts, links, trademarks, videos, audio clips, products, loyalty programs, promotions, advertisements, other materials, data, and information (collectively and individually, “Content”).

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Content, our Services, use of the Services, or access to the Services, without our express written permission.

We reserve the right to refuse Services to you for any reason at any time.


By agreeing to our Terms of Service, you represent that either 1) you are 18 years or older or the majority age in your country, or 2) you are 18 years or older or the age of majority in your country and you have consented to your minor dependent’s use of this site. Any breach or violation of the Terms will result in termination of your Services.


In addition to other prohibitions as set forth in our Terms of Service, you are prohibited from using our Website or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal/state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Services or of any related Website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Services or any related Website, other websites, or the Internet (collectively and individually, “Prohibited Use(s)”).

You agree to adhere to all rules regarding usage and Prohibited Uses set forth in this Agreement. Any failure to adhere to the above rules regarding Prohibited Uses is a material breach of this Agreement. We reserve the right to terminate your use of our Services or any related website for engaging in any Prohibited Use.


Any reliance on the Content on our Website is at your own risk. We are not responsible if the Content on our Website is not accurate, complete or current. The Content on our Website is provided for general informational purposes only and should not be relied upon or used as the sole basis for any decisions you make. You should consult other primary, more accurate, more complete or more timely sources of information for any decisions you make.

Our Website may contain historical information. Historical information is not current and is provided for your reference only. We reserve the right to modify the Content of our Website at any time, and you agree that it is your responsibility to monitor any changes to Content on our Website.


All descriptions of Services or pricing are subject to change at any time without notice in our sole discretion. We reserve the right to modify, suspend, or discontinue any Services (or any part or Content thereof) at any time without notice to you and without liability to you or to any third party. Any offer for any Services made on our Website is void where prohibited. We are not liable for any modifications, price changes, suspensions or discontinuances of the Services, whether by us or by any third party.


Certain Services or products may be available exclusively online through our Website. These Services or products may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have attempted to accurately display the colors and images of our products that appear on our online platform and our Website. Colors or images will display on computer monitors differently due to monitor settings, pixel definitions and device limitations. We cannot guarantee that the color of the product that you see on your computer monitor will be the exact color of the actual product or the product you receive.

We reserve the right, but are not obligated, to limit, cancel or refuse the sales of Services to any person, business, geographic region or jurisdiction. We may exercise this right on a case-by- case basis. We reserve the right to limit the quantities of any product or Services that we offer. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping/delivery address. In the event that we make a change or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

We do not warrant that the quality of any Services, Content, product, information, material purchased or obtained by you will meet your expectations, or that any errors in the Services will be corrected.


You agree to provide current, complete and accurate purchase and account information for all purchases made on our website. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.


Certain content, tools, products and services available via our Services may include materials from third parties.

Third-party tools and/or links on this Website may direct you to third-party websites, tools, products and/or third party services (collectively and individually, “External Service(s)”) that are not affiliated with us. You agree to use the External Services at your sole risk. We are not responsible for examining or evaluating the content or accuracy of any third-party External Services, and shall not be liable for any such third-party External Services. All External Services are provided “as is” and “as available” without any warranties, representations, endorsements or conditions of any kind. Data displayed by any External Service, including but not limited to financial, medical and location information, is for general informational purposes only and is not guaranteed by us or our agents. You agree not to use the External Services in any manner that is inconsistent with our Terms of Service or that infringes our intellectual property rights or those of any third party. You agree not to use the External Services in any illegal manner or to harass, abuse, threaten or defame any person or entity, and agree that we are not responsible for any such use. External Services may not be available in all languages or in your home country, and may not be appropriate or available for use in any particular location. To the extent you choose to use such External Services, you are solely responsible for compliance with any applicable laws. We reserve the right to change, suspend, remove, disable or impose access restrictions or limits on any External Services at any time without notice or liability to you.

We may in the future offer new services and/or features through our Website (including, the release of new tools and resources) which may also be provided by External Services. Such new services and/or features shall be subject to these Terms.

Please review carefully any External Service policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding External Services should be directed to the appropriate third party.


By purchasing one of our products or using our Services you agree not to sue, or to pursue any legal action for any reason, against MERIGNOS personally, any blood relative of, any entity owned or controlled by MERIGNOS and it’s subsidiaries, parent, affiliates, agents, employees, predecessors, or any authorized users or beneficiaries of the Services.

To the extent not prohibited by law, in no event shall we be liable for personal injury or any incidental, special, indirect, or consequential damages whatsoever, including, without limitation, damages for loss of profits, loss of data, business interruption, or any other commercial damages or losses arising out of or related to your use of or inability to use our services, however caused, regardless of the theory of liability (contract, tort, or otherwise) and regardless if we have been advised of the possibility of such damages, except to the extent that applicable law in your jurisdiction restricts the limitation of liability for personal injury, or for incidental or consequential damages, in which case our total liability to you for all damages (other than as may be required by applicable law in cases involving personal injury) shall in no event exceed the lesser amount of five thousand naira (#5,000.00) or the purchase price paid by you for the product or services. The foregoing limitations will apply even if the above-stated remedy fails its essential purpose.

Please refer to the safety guidelines for safety tips


If you send us, solicited or unsolicited, certain specific submissions (for example, contest entries, creative ideas, suggestions, proposals, plans, or other materials), whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use such comments in any medium. We have no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments or any use thereof; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove any comment that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or our terms of service.

You agree that your Comments will not violate any right of any third party, including but not limited to copyright, trademark, privacy, personality, personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Services or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any Comments. You are solely responsible for any Comments you make and their accuracy. We take no responsibility and assume no liability for any Comments posted by you or by any third party.


Your submission of personal information to us or our online platform is governed by our Privacy Policy. Please see our Privacy Policy.


.You agree that we may collect and use data and related information to facilitate and/or improve the Services we provide you.

We shall use reasonable efforts to protect information submitted by you in connection with the services, but you agree that your submission of such information is at your sole risk, and you hereby release us from any and all liability to you for any loss or liability relating to such information in any way.

We do not represent or guarantee that the services will be free from loss, corruption, attack, viruses, interference, hacking, or other security intrusion, and you hereby release us from any liability relating thereto.


Occasionally, information on our Website or information regarding the Services may contain typographical errors, inaccuracies or omissions relating to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right, at any time and without prior notice (including subsequent to your submission of an order), to correct any errors, inaccuracies or omissions, and to change or update information or to cancel orders if any information regarding the Services or on any related website is inaccurate.

We have no obligation to update, amend or clarify information regarding the Services or on our Website or any related website, including, without limitation, information as to pricing, except as required by law. No specified update or refresh date applied in the Services or on any related website, should be taken to indicate that all information in the Services or on our Website or any related website has been modified or updated.


Except for those claims that you may assert at lower courts, you and we agree that any and all disputes or claims arising from or relating to this agreement, to any products or services sold or distributed by us, or to our terms, services or privacy policy will be resolved by binding, non appealable arbitration in Lagos, Nigeria, rather than in a court of law. The conciliation and arbitration law apply to this agreement, and you hereby waive any right to have your case decide in a law court.

There is no judge in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the Terms of Service and other terms contained herein, as a court would.

Arbitration under these general terms is permissible only be on an individual basis; class arbitrations, class actions, private attorney general actions, representative actions and consolidation with other arbitrations are not permitted. You hereby waive any right to participate in a class action against us.

For purposes of this arbitration provision, references to “you” and “we” also include our respective subsidiaries, affiliates, agents, employees, predecessors, successors and assigns as well as authorized users or beneficiaries of the services. You agree that any small claims action will be brought in, and you hereby consent to exclusive jurisdiction and venue in Lagos state, Nigeria.

To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to our office:.79b Abba Johnson Crescent, Adeniyi Jones, Ikeja

This agreement, these terms of service and any separate agreements under which we may provide you services shall be governed by the laws of Nigeria.


We do not guarantee, represent, or warrant that the website or services will be uninterrupted or error-free, and you agree that from time to time we may cancel or remove the services for indefinite periods of time, or otherwise limit or disable your access to the services without notice to you.

You expressly agree that your use of, or inability to use, the services is at your sole risk. The services and all content delivered to you through the services are (except as expressly stated by us) provided "as is" and "as available" for your use, without warranties of any kind, either express or implied, including all implied warranties of merchantability, fitness for a particular purpose, title, and non- infringement.


Our Video Contents and Other Materials on Our Website are for Educational Purposes Only and not to be Taking as a Specific Advice to solving any Unique individual Problems.

Merignos will not be held Liable for Any type of Loss Incurred After been exposed to Our Educational Contents. Members Will Therefore Take Full Responsibility For Interpretation and Application Afterwards.

Merignos is not under any obligation to offer any other consulting and Mentoring services to subscribers. The videos under your subscription are the only mandatory offering you get from the company. Any other service is strictly at the consideration of the company and is not an obligation* There is no guarantee that the teachings will work for you if you do not follow and practice the instructions as laid down. These teachings have worked for thousands of people, however it's not a guarantee that it will work for you. Results are dependent on personal effort


Enrollment for a wealth package automatically makes you a member of Merignos Co-operative

30% of all your earnings will automatically be taken out towards an investment

Earnings are not guaranteed and are based on the efforts of the individuals

The company reserves the right to make investment decisions and you are obligated to abide by them


By using the services, you agree, to the extent permitted by law, to indemnify and hold us, our directors, officers, employees, interns, affiliates, parent, subsidiaries, agents, contractors, service providers, suppliers, and licensors harmless with respect to any claims arising out of your breach of this agreement, your use of the services, any third party claim, rights of third parties, or any action taken by us as part of an investigation of a suspected violation of this agreement or as a result of a finding or decision that a violation of this agreement has occurred. You agree that you shall not sue or recover any damages or, solicitors’ fees, from us, our directors, officers, employees, affiliates, agents, contractors, and licensors as a result of a decision to remove or refuse to process any information or content, to warn you, to suspend or terminate your services, or to take any other action during the investigation of a suspected violation or as a result of our conclusion that a violation of this agreement has occurred. This waiver and indemnity provision applies to all violations described in or contemplated by this agreement.


In the event that any provision of these Terms is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms. Such determination shall not affect the validity and enforceability of any other remaining provisions.


Your and our respective obligations and liabilities shall survive the termination or expiration of this agreement for all purposes.

In our sole judgment if you fail, or we suspect that you have failed, to comply with any term or provision of these Terms, we may immediately terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or we may deny you access to our Services (or any part thereof).


Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

These Terms and Agreement, and any policies or operating rules posted by us on the Website or in respect to the Services, constitute the entire agreement and understanding between you and us, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any previous versions of the Terms).


You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service, and your continued use of or access to our Website or the Services following the posting of any changes to these Terms constitutes acceptance of those changes.


You agree that the Services, including but not limited to Content and software used to implement the Services, contain proprietary information and Content that is owned by us and/or our licensors, or owned by third-parties that have licensed their rights to us, and is protected by applicable intellectual property and other laws, including but not limited to copyright. We do not warrant or represent that your use of Content displayed on our Website will not infringe on the rights of third parties not owned by or affiliated with us. The use of these materials by you, or anyone else authorized by you, is prohibited unless specifically permitted by this Agreement.

Any unauthorized use of the Content may violate copyright laws, trademark laws and/or other regulations and statutes.

You agree that you will not use such proprietary information or materials in any way whatsoever except for use of the Services for personal, noncommercial uses and otherwise in compliance with this Agreement. No portion of the Services or Content may be reproduced in any form or by any means, nor may you copy, download, reproduce, modify, publish, distribute, transmit, transfer or create derivative works from the Content without our prior express written permission. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Content, except where expressly permitted by this Agreement or upon our express prior written permission.

You agree not to modify, rent, loan, sell, or distribute the Services or Content in any manner, and you shall not exploit the Services in any manner not expressly authorized.

You may download, print and store selected portions of the Content of our Website provided that you (1) only use these copies for your own personal, non-commercial use, (2) do not copy or post the Content on any network computer or broadcast the content in the media, and (3) do not modify or alter the Content in any way. No right, title or interest in any downloaded materials is transferred to you as a result of any such downloading. We reserve complete title and full intellectual property rights in any content you download from this Website. Our delivery of Content does not transfer any promotional use rights to you, and does not constitute a grant or waiver of any rights of the copyright owners.


Questions about the Terms of Service or this Agreement should be sent to us at info@merignos.com.


The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.



Your privacy is important to us. We have developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information. Please take a moment to familiarize yourself with our privacy practices and let us know if you have any questions.

This Privacy Policy Statement describes the ways in which we collect, hold and use information about individual persons who visit our Website and use our Services. By using this website, you consent to the collection and use of information as set forth in this privacy policy. You also acknowledge that we may periodically change, modify, add or remove or otherwise update our privacy policy at our discretion, without prior notification.


Personal information is 1) data associated with you and/or 2) data that can be used to identify or contact you as a single person.

You may be asked to provide your personal information anytime you are in contact with us or one of our affiliated companies. You are not required to provide the personal information that we have requested, but, if you choose not to do so, in many cases we will not be able to provide you with our Services or respond to queries you may have. If you do provide this personal information, we and our affiliates may share this personal information with each other and use it, consistent with the terms of this Privacy Policy. We and/or our affiliates may also combine it with other information to provide and improve our Services, Content, and advertising.

Your personal information (not including your credit card information), may be transferred and transmitted unencrypted over various third party networks; and/or changed to meet the technical requirements of connecting networks and/or connecting devices. Credit card information is always encrypted when transferred over networks


We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.


We may share your personal information with companies who provide services such as information processing, extending credit, fulfilling customer orders, delivering products to you, managing and enhancing customer data, providing customer service, assessing your interest in our products and Services, and conducting customer research or satisfaction surveys. In general, the External Service providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

However, certain External Service providers, such as payment gateways and other payment transaction processors, have their own privacy policies in respect to the information we are required to provide to them for your purchase-related transactions.

For these and all External Service providers, we recommend that you read their privacy policies so you can understand the manner in which your personal information will be handled by each of these individual providers.

In particular, remember that certain providers may be located in or have facilities that are located in a different jurisdiction than either you or us. So if you elect to proceed with a transaction that involves the services of an External Service provider, then your information may become subject to the laws of the jurisdiction(s) in which that External Service provider or its facilities are located.

Once you leave our Website or are redirected to an External Service provider, you are subject to the Privacy Policy, User Agreements and Terms of Service of that External Service provider.


When you click on links on our Website, the link may direct you away from our Website to an External Service provider. We are not responsible for the privacy practices, user agreements, terms of service, or other agreements of other External Service providers and encourage you to read their privacy statements, terms, and agreements.

Google analytics:

We use Google Analytics (“Google Analytics”) which is a service offered by Google Inc. (“Google”) that generates detailed statistics about a website's traffic and traffic sources and measures conversions and sales. Google Analytics uses “cookies” stored on your computer to help analyze how users use our Website.

Google will use the information generated by the cookies on our behalf for the purpose of evaluating the use of our Website, compiling reports on Website activity and providing us with these reports for analytical purposes.

Google may transfer this information to third parties in case of a statutory obligation, or if a third party processes data on behalf of Google. By using our Website, you consent to the processing of any personal data Google will collect on you in the way and for the purpose as described above.

You may prevent or stop the installation and storage of cookies by your browser settings by downloading and installing the free Opt-out Browser Add-on. Please take note that if you do so, you may not be able to use all functions of our Website fully.


To protect your personal information, we take reasonable precautions and follow common industry standards to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed. If you provide us with your credit card information, the information is encrypted using secure socket layer technology (SSL) and stored with an encryption. Although no method of transmission over the Internet or electronic storage is 100% secure, we follow all requirements and generally accepted industry protections.


Our Website, online services, interactive applications, email messages, and advertisements may use “cookies” and other technologies. These help us better understand user behavior, tell us which parts of our Websites people have visited, and facilitate and measure the effectiveness of advertisements and web searches.


We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the Website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.


If you would like to access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information, contact our Privacy Compliance Officer mail at: info@merignos.com