1. Agreement to Terms

By accessing northmanger.com or engaging Northmanger for any service, you agree to be bound by these Terms of Service. If you are engaging on behalf of a company or organisation, you confirm that you have the authority to bind that entity to these terms.

2. Nature of Our Services

Northmanger provides market entry and growth intelligence services for fintech operators. Our work includes market feasibility assessments, regulatory mapping, competitive intelligence, expansion modelling, and strategic advisory retainers.

Our work constitutes business intelligence and strategic analysis. It does not constitute legal advice, financial advice, regulatory advice, or investment advice. Clients should seek appropriately qualified legal and regulatory counsel before making licensing applications or structural decisions in any jurisdiction.

3. Engagement Terms

Each client engagement is governed by a written proposal or engagement agreement that sets out the specific scope, deliverables, timeline, and fee structure. In the absence of a separately executed agreement, these Terms of Service govern.

• Engagements commence upon receipt of a signed proposal or written confirmation of terms
• Fees are payable as set out in the relevant engagement agreement
• Retainer arrangements require a minimum commitment period as stated in the engagement agreement
• Work will not commence until an initial payment has been received, unless otherwise agreed in writing

4. Intellectual Property & Work Product

Work product produced specifically for a client under a commissioned engagement — including reports, models, analyses, and frameworks — is owned by the client upon full payment of all fees due.

The following remain the exclusive intellectual property of Northmanger regardless of any engagement:

• Our proprietary methodologies, including the Cross-Border Entry Compression Model™
• Our underlying intelligence database and research infrastructure
• All content published on northmanger.com, including blog posts, reports, and frameworks
• The Northmanger name, brand, and all associated trademarks

Published content on northmanger.com may be shared with attribution. It may not be reproduced, repurposed, or incorporated into commercial work product without prior written consent.

5. Confidentiality

Both parties acknowledge that in the course of an engagement, confidential information may be shared in both directions. Each party agrees to:

• Keep the other party's confidential information strictly confidential
• Use confidential information only for the purposes of the engagement
• Not disclose confidential information to any third party without prior written consent
• Apply reasonable security measures to protect confidential information from unauthorised access

These confidentiality obligations survive the termination of any engagement. Where a formal Non-Disclosure Agreement is required prior to a discovery call or proposal, we are happy to execute one on request.

6. Prohibited Uses

In relation to the Northmanger website and published content, you may not:

7. Disclaimers

Our intelligence work is produced with rigour and grounded in the best available data. However, market conditions, regulatory environments, and competitive landscapes change. We cannot guarantee that information in our work product remains current after the date of delivery.

Clients are responsible for their own business decisions. Our work informs those decisions — it does not make them.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Northmanger's total liability to a client in connection with any engagement shall not exceed the total fees paid by that client for the specific engagement giving rise to the claim.

Northmanger shall not be liable for any indirect, consequential, or punitive damages — including loss of profits, loss of business opportunity, or costs arising from expansion decisions made on the basis of our work — however caused and whether arising in contract, tort, or otherwise.

9. Termination of Engagement

Either party may terminate an engagement by providing written notice as specified in the relevant engagement agreement. In the absence of specific termination terms:

• Project-based engagements: 14 days written notice prior to the scheduled delivery date
• Retainer engagements: 30 days written notice, subject to any minimum commitment period
• Fees for work completed or in progress at the time of termination remain payable

Work product produced up to the point of termination will be delivered upon receipt of all outstanding fees.

10. Governing Law

These Terms of Service are governed by the laws of the Federal Republic of Nigeria. Any disputes arising in connection with these terms or any engagement shall be subject to the exclusive jurisdiction of the courts of Nigeria, unless otherwise agreed in writing between the parties.

Where a client is domiciled in the European Union or United Kingdom, the parties may agree in writing to an alternative governing jurisdiction at the time of engagement.

11. Changes to These Terms

We reserve the right to update these Terms of Service at any time. The most current version will always be published at northmanger.com/terms.html with an updated effective date.