Terms of Service

VirtuClair is a consultation platform that connects users with vetted experts across multiple fields including healthcare, legal, engineering, career development, lifestyle, and more. We provide both instant and scheduled consultation sessions, making expert advice simple, affordable, and within reach for everyone.

By:

• Creating an account on VirtuClair
• Accessing or using our Platform
• Booking or participating in consultations

You acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Data Protection Policy, which are incorporated herein by reference.

To use VirtuClair, you must:

• Be at least 18 years of age, or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete registration information
• Comply with all applicable laws and regulations in your jurisdiction

If you are accessing VirtuClair on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

4.1 Account Creation

To access certain features of the Platform, you must create an account by providing:

• Full name
• Email address
• Phone number
• Password
• Any other information required during registration

4.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

VirtuClair will not be liable for any loss or damage arising from your failure to protect your account information.

4.3 Account Accuracy

You agree to provide accurate, current, and complete information and to update such information promptly when it changes. Providing false or misleading information may result in account suspension or termination.

Your privacy is extremely important to us. VirtuClair is committed to protecting your personal information and maintaining the highest standards of data privacy and security.

5.1 Our Privacy Commitment

We have implemented comprehensive technical, administrative, and physical safeguards to protect your data, including:

• End-to-End Encryption: All consultations and sensitive communications are encrypted to ensure confidentiality
• Secure Data Storage: Your personal and health information is stored on secure, encrypted servers with restricted access
• Access Controls: Strict role-based access controls ensure only authorized personnel can access specific data
• Regular Security Audits: We conduct regular security assessments and vulnerability testing
• Compliance Standards: Our data practices comply with applicable data protection regulations including the Nigeria Data Protection Regulation (NDPR) and international best practices
• Data Minimization: We only collect data necessary to provide our services
• Anonymization: Where possible, we anonymize data used for analytics and platform improvement

5.2 What We Collect and Why

We collect information to:

• Facilitate consultations between you and experts
• Process payments and maintain transaction records
• Improve our Platform and user experience
• Comply with legal and regulatory requirements

5.3 How We Protect Your Data

All data transmissions use industry-standard SSL/TLS encryption

Payment information is processed through PCI-DSS compliant payment processors

We never store complete payment card details on our servers

Medical and sensitive consultation records are subject to additional security protocols

Our team undergoes regular data protection and confidentiality training

5.4 Your Data Rights

You have the right to:

• Access your personal data
• Correct inaccurate information
• Request deletion of your data (subject to legal retention requirements)
• Object to certain data processing activities
• Withdraw consent where processing is based on consent
• Request data portability
• Lodge a complaint with relevant data protection authorities

5.5 Data Retention

We retain your data only as long as necessary to:

• Provide our services to you
• Comply with legal obligations
• Resolve disputes and enforce our agreements

For complete details on our data practices, please review our comprehensive Privacy Policy and Data Protection Policy available on our Platform.

6.1 Consultation Services

VirtuClair provides a platform for users to:

• Search for and connect with vetted experts across multiple fields
• Book instant or scheduled consultation sessions
• Communicate with experts via video, audio, or chat
• Access consultation records and history (where applicable)

6.2 Expert Verification

While we take reasonable steps to verify the credentials and qualifications of experts on our Platform, VirtuClair:

• Does not employ the experts directly
• Acts as an intermediary platform connecting users with independent professionals
• Cannot guarantee specific outcomes from consultations
• Is not responsible for the professional conduct of experts beyond our verification and monitoring processes

6.3 Not a Substitute for Emergency Services

Important: VirtuClair is not intended for emergency situations. If you are experiencing a medical emergency, legal crisis, or any situation requiring immediate professional intervention, please contact local emergency services or visit the nearest appropriate facility immediately.

7.1 Acceptable Use

You agree to use VirtuClair only for lawful purposes and in accordance with these Terms. You will not:

• Provide false or misleading information
• Impersonate any person or entity
• Use the Platform to harass, abuse, or harm others
• Attempt to gain unauthorized access to the Platform or other users' accounts
• Upload malicious code, viruses, or harmful content
• Scrape, copy, or reproduce Platform content without authorization
• Use the Platform for any illegal or fraudulent activity
• Share or resell your account access to third parties

7.2 Consultation Conduct

During consultations, you agree to:

• Treat experts with respect and professionalism
• Provide accurate information relevant to your consultation
• Respect the expert's time and scheduled session duration
• Not record sessions without explicit consent from all parties (where legally required)

7.3 Content You Provide

You retain ownership of any content you submit through the Platform, but you grant VirtuClair a limited license to use, store, and process such content solely to provide our services.

8.1 Consultation Fees

Consultation fees are determined by individual experts and displayed clearly before booking. All fees are quoted in Nigerian Naira (NGN) unless otherwise specified.

8.2 Payment Processing

All payments are processed securely through our third-party payment processors

You authorize us to charge your selected payment method for consultation fees

Payment must be completed before or at the time of consultation, as specified

8.3 Cancellations and Refunds

User Cancellations: Cancellation policies vary by expert and will be clearly stated at the time of booking

Expert Cancellations: If an expert cancels a scheduled consultation, you will receive a full refund

No-Shows: Failing to attend a scheduled consultation without proper cancellation may result in forfeiture of fees

Refund Processing: Approved refunds will be processed within 7-14 business days

8.4 Pricing Changes

VirtuClair reserves the right to modify Platform fees with reasonable notice. Changes will not affect consultations already booked.

9.1 Platform Ownership

All content, features, functionality, and materials on the VirtuClair Platform, including but not limited to:

• Software, code, and algorithms
• Text, graphics, logos, and design elements
• Trademarks and brand elements
• Platform architecture and layout are owned by VirtuClair or our licensors and are protected by copyright, trademark, and other intellectual property laws.

9.2 Limited License

Subject to these Terms, VirtuClair grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes.

9.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Platform
• Reverse engineer, decompile, or disassemble any Platform software
• Remove or alter any proprietary notices
• Use the Platform for commercial purposes without authorization

VirtuClair may integrate with or link to third-party services (payment processors, video conferencing tools, etc.). Your use of such services is governed by their respective terms and privacy policies. VirtuClair is not responsible for the practices or content of third-party services.

11.1 Platform "As Is"

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

11.2 No Professional Advice Guarantee

While we connect you with qualified experts, VirtuClair:

• Does not provide professional advice directly
• Cannot guarantee the accuracy, completeness, or usefulness of expert advice
• Is not liable for decisions you make based on consultations
• Recommends you verify critical information with additional sources when appropriate

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, VIRTUCLAIR, ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, data, use, goodwill, or other intangible losses
• Any damages arising from your use or inability to use the Platform
• Any conduct or content of experts or other users
• Unauthorized access to or alteration of your data

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE AMOUNT YOU PAID TO VIRTUCLAIR IN THE SIX (6) MONTHS PRECEDING THE CLAIM.

11.4 Jurisdictional Variations

Some jurisdictions do not allow the limitation or exclusion of certain warranties or liabilities. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

You agree to indemnify, defend, and hold harmless VirtuClair, its affiliates, and their respective officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any rights of another party
• Your conduct during consultations
• Any content you submit or transmit through the Platform

13.1 Consultation Confidentiality

VirtuClair recognizes the sensitive nature of consultations. We implement technical and organizational measures to maintain confidentiality, including:

• Secure, private consultation environments
• Confidentiality obligations for all platform personnel
• Limited access to consultation content
• Secure storage and transmission protocols

13.2 Expert-Client Privilege

Where applicable (such as legal consultations), professional privilege and confidentiality standards apply according to the relevant professional regulations and laws.

13.3 Exceptions

Confidentiality may be breached only when:

• Required by law or court order
• Necessary to prevent imminent harm to persons
• Needed to investigate fraud or Terms violations
• You provide explicit consent

14.1 Termination by You

You may terminate your account at any time by:

• Accessing account settings and selecting "Delete Account"
• Contacting our support team at [support email]

Upon termination, you remain responsible for any outstanding fees or obligations.

14.2 Termination by VirtuClair

We may suspend or terminate your account immediately if you:

• Violate these Terms
• Engage in fraudulent or illegal activity
• Abuse or harass experts or other users
• Provide false information
• Pose a security risk to the Platform

14.3 Effect of Termination

Upon termination:

• Your right to access the Platform ceases immediately
• We may delete your account data subject to legal retention requirements
• Provisions of these Terms that by their nature should survive (including payment obligations, disclaimers, and limitations of liability) will continue to apply

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to conflict of law principles.

15.2 Negotiation First

In the event of any dispute arising from these Terms or your use of the Platform, you agree to first attempt to resolve the dispute informally by contacting us at [legal email].

15.3 Arbitration

If informal resolution fails, disputes shall be resolved through binding arbitration in accordance with the Arbitration and Conciliation Act of Nigeria, conducted in Lagos, Nigeria. The arbitration shall be conducted in English.

15.4 Exceptions

Either party may seek injunctive or equitable relief in court to protect intellectual property rights or confidential information.

15.5 Class Action Waiver

You agree that disputes will be resolved on an individual basis and waive any right to participate in class-action lawsuits or class-wide arbitration.

VirtuClair reserves the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this document
• Notify you via email or Platform notification
• Provide at least 30 days' notice for material changes

Your continued use of the Platform after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Platform and may terminate your account.

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and VirtuClair regarding your use of the Platform.

17.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

17.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

17.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. VirtuClair may assign these Terms without restriction.

17.5 Force Majeure

VirtuClair shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, governmental actions, internet failures, or other force majeure events.

17.6 Notices

All notices to VirtuClair should be sent to:

Email: [info@virtuclair.com]

Address: [Company Address]

We will send notices to you via the email address associated with your account.

17.7 Language

These Terms are provided in English. In the event of any translation, the English version shall prevail.

If you have any questions, concerns, or feedback regarding these Terms or the VirtuClair Platform, please contact us: