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APT Securities and Funds Limited
(Member of The Nigerian Stock Exchange)
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Privacy Policy

Introduction
This Privacy Policy sets out how the APT Securities and Funds Limited ("APT Sec") uses and protects any information that you give the APT SEC when you use this website. The APT SEC is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website; you can be assured that it will only be used in accordance with this Privacy Policy. The APT SEC’s Privacy Policy, is expressly incorporated by reference into the Terms of Use which explains the data processing practices of the APT SEC in so far as it relates to the Website.

Applicable Law
This Website is created, hosted, maintained and controlled in the Federal Republic of Nigeria and as such you agree that the laws of the Federal Republic of Nigeria and the jurisdiction of the Nigerian courts govern the Privacy Policy, any disclaimers, copyright and use statements contained in the Website, and any legal matter resulting from the use or inability to use this Website, without giving effect to any principle of conflict of laws. Notwithstanding the foregoing, the APT SEC may seek recourse in any jurisdiction worldwide in order to restrain the unlawful use of any of the material contained in the Website.

What Information does the APT SEC Collect?
Information collected when you browse the Website: the APT SEC will not collect any personal information about you from your browsing of the Website unless you agree to collection and use of your personal data. The personal information we collect may be captured from a variety of sources. These sources include, but are not limited to voluntary submissions and review of site usage patterns.
Information collected when you become a client of the APT SEC: when you enter into a contract, agreement with us for our services or products, you may be asked to submit personal information about yourself or company in order to receive or use these services or products. This information may include: your name, address, job title, telephone number, email address and financial information necessary to conclude the contract and enable administration and management of such services or products. The APT SEC will only collect information that is necessary for the provision of the product or service that you have subscribed to. The type of information collected will depend on the nature of the product or service demanded.

How the APT SEC uses Information it Collects
Where personal information is collected, it will be used in administration and tailored to our service and/or products to match your needs. We may also use personal information to conduct market research surveys, for statistical analysis to determine site usage, to run competitions and for direct marketing purposes relating to our business. The services of third party may be employed to help us in certain areas, such as website hosting, marketing and market researching. In some cases that third party may receive your information. However, at all times we will endeavor to keep control and be responsible for the use of your information. By providing the APT SEC with your personal information, you consent to our transferring of your information to countries or jurisdictions which may not provide the same level of data protection as us. If we do make such a transfer, we will, if appropriate, put a contract in place that imposes obligations on our counterparties to protect your information. Each time you provide us with personal information we aim to let you know how we intend to use it and ask you to give your consent to such use.

Security and Protection
Personal information collected will be held securely and will only be kept for as long as is reasonably necessary in the circumstances you are registered; to use the Website or, for as long as you use the service or product that you are subscribed to, unless you have provided us with your consent to use the data for any additional purposes. We take the security of the Website and the information you provide very seriously and we will take all appropriate technical measures using recognized security procedures and tools in accordance with good industry practice to protect your personal information. We have reasonable security measures in place to protect against the loss, misuse and interception by third parties of the information under our control, but, to the extent allowed by law, the APT SEC assumes no liability for any damages you may suffer as a result of interception, alteration or misuse of information transmitted over the Internet. Whilst we use all reasonable endeavors to protect your security in the manner described above, we consider that it is only appropriate to advise users that data transmission over the Internet and the World Wide Web cannot be guaranteed as 100% secure, and therefore that you use the Website at your own risk.

The use of Cookies
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. Cookies are features included in your browser and will store small amounts of data on your computer about your visit to the Website, in particular when you complete any form on the website the user type. However a cookie does not provide us with any personal information. Therefore, if you have not supplied us with any personal information, you can still browse our site anonymously. You do not need to have cookies turned on to visit most of the Website. Cookies on the Website are not used to capture or store personal data from browsers to the site, other than to log your IP address and session information such as the duration of the visit to our site and the nature of the browser used. This information is used only for administration of the site system and in the compilation of statistics used by the APT SEC. Cookies may be required to allow you to access and participate in certain areas of the Website. Once you have closed your browser, this type of cookie is deactivated. The majority of browsers will allow you to alter the settings used for cookies and to disable and enable them as you require. If you do not want cookies and for further general information on cookies you may wish to visit http://www.allaboutcookies.org.

Controlling your Personal Information
Whenever you are asked to fill a form on the Website, you may choose to look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes. We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at contactcenter@aptsecurities.com. Please note that it may take some time for us to update our records to ensure your new choices are respected.

Changes to the Policy and the Website To the extent allowed by law, the APT SEC may update this Privacy Policy from time to time and you are responsible for periodically reviewing the most current version on the Website. To the extent allowed by law, your continued use of the Website will be deemed your conclusive acceptance of the updated Privacy Policy. The APT SEC reserves the right to change or delete any information, features or content of the pages of the Website at any time and without notice. Information, features or content for which you have paid for or subscribed to and are required to pay any consideration , the APT SEC will use its reasonable endeavors to exercise this right on notice to you.

Links
The APT SEC website may contain links to other websites of interest; however, once you have used these links to leave the APT SEC site, you should note that the APT SEC does not have any control over the other website. The APT SEC does not endorse these sites, its sponsors or any of the policies, activities, products or services offered on these sites or by any advertiser on these sites. Therefore, the APT SEC cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. This Privacy Policy applies only to information collected by this Website. Please be aware that the APT SEC is not responsible for the privacy policies of other sites and as such, the APT SEC would advise you to read the privacy statement of any website that collects personal information from you.

This Privacy Policy was last updated on June 15, 2015 DISCLAIMER

Research Reports
The information in the Research Reports are derived from sources deemed reliable, but The APT Securities and Funds does not guarantee the correctness or completeness of the Research Reports, its statistics or other information furnished in connection with the Research Reports.

The APT Securities and Funds makes no warranty, express or implied, as to results to be obtained by acting with reliance upon the Research Reports. The APT Securities and Funds makes no express or implied warranties, and expressly disclaim all warranties of merchantability or fitness for a particular purpose with respect to the Research Reports or any data or values included therein or in connection therewith.

The APT Securities and Funds and its employees, agents, suppliers and vendors shall have no liability or responsibility, contingent or otherwise, for any loss or damages, whether caused by any such party's negligence or otherwise, arising in connection with the Research Reports or any data or values included therein or in connection therewith and shall not be liable for any lost profits, losses, punitive, incidental or damages. The APT SEC and employees, subcontractors, agents, suppliers and vendors shall not be responsible for or have any liability for any injuries or damages caused by errors, inaccuracies, omissions or any other failure in, or delays or interruptions in the downloading of, the Research Reports or any data or values included therein or in connection therewith, from whatever cause.

The APT Securities and Funds and its affiliates and employees, agents, suppliers and vendors are not responsible for the selection of or use of the Research Reports or any data or values included therein or in connection therewith, the accuracy and adequacy of the Research Reports or any data or values included therein or in connection therewith or information used by any Report Provider and the resultant output thereof.

TERMS OF USE

Introduction
Welcome to the APT Securities and Funds, the website is owned and operated by The APT Securities and Funds (APT SEC), a company limited by guarantee incorporated under the laws of the Federal Republic of Nigeria (RC No. 165189) having its registered office at 29 Marina (Church House) 3rd Floor, Lagos hereinafter referred to as “The APT SEC” (which expression shall where the context so admits, include its, successors–in-title and assigns). By using this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern the APT SEC's relationship with you in relation to this website.

Content
The content of the pages of this website is intended to provide general information regarding the APT SEC and its products and services and is not intended to; provide investment or other professional advice. This content is subject to change at any time without notice. Professional advisors should be contacted before making any decisions that may affect your personal finances or business. The APT SEC tries to ensure Information provided on this website is accurate; however Information is provided as is and when available and may not be accurate or up to date. The APT SEC cannot guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the Website or any of the Information. No responsibility is accepted by or on behalf of the APT SEC for any errors, omissions, or inaccurate Information on the Website.

The mechanism of composition contained in this Website, including but not limited to, text, data, graphics, photographs, illustrations, artwork, names, logos, trademarks, service marks and the information contained in the Website regarding or connected to the APT SEC and in respect of the activities of and on the APT SEC, whether registered or unregistered, are the intellectual property of the APT SEC. The APT SEC reserves the right to take legal action in respect of any reproduction, copying, distribution, framing, uploading to a third party, publication, adaptation, broadcast, public performance or other use or communication to the public of the information contained on the Website without the prior written consent of the APT SEC. You are not permitted to use any of the trademarks displayed on the Website without the prior written consent of the APT SEC or the third party that owns the trademark

Restrictions on use
Copies of reports or any kind of information may be printed for your personal consumption. The reproduction, redistribution, alteration and transmission of any material or information contained in the Website are strictly prohibited. You must not use the material for commercial purposes without first obtaining the necessary authorization from the APT SEC. You may not remove any copyright, trademark or other intellectual property right notice contained in the material.

Materials from the website should not be used in any manner or for any purpose which is unlawful or in any manner which violates any rights of the APT SEC. To the extent allowed by law, you hereby indemnify the APT SEC against any and all claims arising from the use by you of any material from the website that you have accessed as a result of your reproduction, redistribution, alteration or transmission of that material in contravention of these Terms of use. Under the above wording you indemnify the APT SEC against certain claims you and third parties who access the material through you, and this places various risks, liabilities, obligations and legal responsibilities on you.

Liability
The APT SEC does not guarantee that the Website will be uninterrupted or error free or that any defects will be corrected. To the extent permitted by applicable law, the APT SEC expressly disclaims all liability howsoever arising under any law including tort (or deceit) or otherwise (including, but not limited to, liability for any negligent act or omissions) to any person in respect of any claims or losses of any nature, arising directly or indirectly from: (i) anything done or the consent of anything done or omitted to be done wholly or partly in reliance upon the whole or any part of the contents of this Website; and (ii) the use of any data or materials on this Website or unauthorized access to this Website or otherwise. The APT SEC will not be responsible for any breach of these Terms caused by circumstances beyond its reasonable control. The APT Sec shall further not be responsible for any occurrences that are beyond its reasonable control.

Registration and cancellation
Some areas of the Website may not be freely accessible; hence you may be required to complete a registration form in order to access certain areas of the Website. It may be as a result of applicable fees payable to obtain access to those restricted areas, and if not, the APT SEC reserves the right to introduce a charge for such access at any time. If such a charge is introduced, the APT SEC may deny access to the Restricted Areas if you do not comply and make the relevant payments, any further registration requirements that the APT SEC may, in their discretion, decide to introduce from time to time. The APT SEC at its discretion may from time to time introduce any further registration requirements.

When you register for access to the Restricted Areas, you may be asked to provide certain details. The APT SEC will only use the Data in accordance with the Privacy Policy. The Website may use cookies to verify the identity of users who have registered to access the Restricted Areas. For further information on this use of cookies, please see the Privacy Policy.

The APT SEC reserves the right to terminate your registration to the Restricted Areas and to restrict your access to the Website without notice at any time, provided that, to the extent that the exercise of such right affects your ability to receive or access any information, features or contents for which you have paid or are required to pay any consideration, the APT SEC will use its reasonable endeavors to exercise such right on notice to you.

Disclaimer
All information provided by the Apt Securities and Funds (APT SEC) is the property of the APT SEC. The information may not be reproduced, modified, transmitted or redistributed without prior written consent from the APT SEC. This disclaimer applies to both individual use of the data and the aggregate use of the data. The APT SEC shall not be held liable for improper or incorrect use of data contained herein.

The APT SEC will endeavour to ensure the accuracy and reliability of the Website content, materials and products included and available; however due to the possibility of human and mechanical error including other factors, to the extent allowed by law, the APT SEC does not, whether expressly, tacitly or implicitly, represent, warrant or in any other way guarantee the availability, truth, accuracy, completeness or reliability of such information or that it is always up to date or that your access to the Website will be uninterrupted or error-free.

Links to and from the website
You may not frame, link or deep-link this Website to any other website without our prior written consent. Should you wish to frame or to set up a link / deep-link to our Website please contact the APT SEC on customercare@aptsecurities.com. The APT SEC Website may contain links to third party websites. These linked websites are not under the control of the APT SEC and, to the extent allowed by law, the APT SEC accepts no responsibility for or liability arising from access to, or the information provided on, any website which is linked from the Website, or any hyperlink contained in a linked website. To the extent allowed by law, you link to any such website entirely at your own risk and liability and the APT SEC recommends that you read the privacy policy and any other legal information contained on any third party website to which you link. The fact that the Website contains a link to or from a third party website does not necessarily imply that there is any affiliation between the APT SEC and the third party website, or that the APT SEC or its officers or employees endorse the third party website. The linking website may not in any way imply that the APT SEC or any of its officers or employees recommend or endorse any of the linked site products or services. The APT SEC reserves the right to withdraw any permission granted, whether tacitly, verbally or in writing, to link to the APT SEC Website, at any time if it is deemed by the APT SEC to be in the best interest of the APT SEC.

Third party advertising
The APT SEC allows third parties to place advertisements on our Website. Third party advertisements are clearly labelled as such and may be chargeable. The APT SEC does not endorse and is not responsible for the content of any third party advertisement on this Website or otherwise.

System Viruses
Whilst the APT SEC uses reasonable endeavours to protect this Website from computer viruses, worms, and Trojan Horses, we do not warrant that the Website is free from such Viruses and accept no liability for any damage that may result from the transmission of any Viruses via this Website or via any files which are available for you to download from the Website.

Changes and Operation of the Website
The APT SEC reserves the right, at its discretion, to make changes to any part of the Website, suspend or terminate the operation of the Website at any time for the purposes of support and maintenance or to update the information contained on the Website and the Information or these Terms. Should these Terms be amended, the APT SEC will publish details of the amendments on the Website. By continuing to use the Website you agree to be bound by these Terms as amended.