Policies

1. Definitions

In these Terms:

“Account” means a registered user account created on the Platform.

“Booking” means a confirmed reservation made through the Platform for the hire or use of a Vehicle for a specified period.

“Booking Fee” means the total amount payable by a Guest for a Booking, including the Vehicle Hire Fee, Nova Rides' fees, applicable taxes, insurance or protection charges and all other disclosed charges.

“Guest” means a User who books or hires a Vehicle through the Platform.

“Host” means a User who owns or has the lawful authority to make a Vehicle available for hire through the Platform.

“Platform” means the Nova Rides website, mobile application, software, technology, systems and related services.

“Platform Fee” means any commission, service fee or other charge payable to Nova Rides for the use of the Platform.

“Protection” means any insurance, protection or similar product made available in connection with a Booking.

“User” means any person who accesses or uses the Platform, including a Host and/or Guest.

“Vehicle” means a motor vehicle listed by a Host on the Platform.

References to “You” refers to all Users including all Hosts and Guests on the Platform.

2. About Nova Rides and the Platform

Nova Rides operates a technology-enabled peer-to-peer vehicle hire marketplace which connects Hosts who make Vehicles available for hire with Guests seeking to hire Vehicles.

Nova Rides provides the technology and related services through which Hosts and Guests may:

• create and manage Accounts;
• list and search for Vehicles;
• communicate with one another;
• make and manage Bookings;
• process payments;
• access verification services; and
• access other services made available through the Platform.

Unless expressly stated otherwise, Nova Rides:

• does not own the Vehicles listed on the Platform;
• does not lease or rent Vehicles to Guests;
• does not operate or drive the Vehicles;
• does not control the manner in which a Host maintains or operates a Vehicle; and
• does not guarantee the conduct, representations or performance of any Host or Guest.

The Vehicle hire transaction is principally between the Host and Guest. Nova Rides does not own, lease, operate or insure vehicles. Nova Rides is a platform/intermediary that facilitates the transaction and may perform additional services in connection with the Booking as set out in these Terms.

Nothing in these Terms creates a partnership, employment relationship, joint venture or agency relationship between Nova Rides and any Host or Guest.

3. Acceptance and Electronic Contracting

These Terms constitute a legally binding agreement between the User (“You”) and Nova Rides.

You may accept these Terms electronically by ticking an acceptance box, clicking “I Agree”, “Accept”, “Create Account”, “Book Now”, “List Vehicle” or another substantially similar button, or by otherwise using the Platform after being given access to these Terms.

Your electronic acceptance shall have the same effect as a physical signature to the extent permitted by applicable law.

Nova Rides may retain records of your acceptance, including the date, time and version of the Terms accepted.

These Terms incorporate any policies expressly referred to in them or displayed to you as applicable to your use of the Platform, including the Privacy Notice, Vehicle Requirements and applicable Protection terms.

4. Eligibility and Account Registration

You must be at least eighteen (18) years old and legally capable of entering into a binding agreement to use the Platform.

You must provide accurate, complete and current information when creating and maintaining your Account.

You must not:

• impersonate another person;
• create an Account using false information;
• use another person's Account;
• transfer your Account to another person; or
• create multiple Accounts to circumvent restrictions imposed by Nova Rides.

You are responsible for maintaining the confidentiality of your login details and for activity conducted through your Account.

You must immediately notify Nova Rides if you suspect that your Account has been compromised or accessed without your authorisation.

5. Verification

Nova Rides requires Users to undergo identity, driver's licence, Vehicle, ownership, payment, insurance or other verification before or during use of the Platform.

• A User may be required to provide identification documents, driver's licences, Vehicle registration documents, proof of ownership or authority, photographs, payment information or other information reasonably required for verification.
• Nova Rides may use third-party verification providers where appropriate.
• Completion of verification does not constitute a guarantee by Nova Rides that the information provided by a User is completely accurate.
• Nova Rides may suspend or withdraw verification where information is inaccurate, incomplete, expired or otherwise unsatisfactory.

6. Host and Vehicle Requirements

A Host must:

• own the Vehicle or have lawful authority to make the Vehicle available for hire;
• provide accurate, complete and up-to-date information relating to the Vehicle;
• ensure that the Vehicle is properly registered, roadworthy and fit for hire;
• maintain all legally required insurance and ensure that such insurance permits the Vehicle to be made available for hire;
• ensure that the Vehicle is properly maintained, safe and in suitable condition for use by Guests;
• disclose any material defect, damage, mechanical issue or other condition that may affect the Vehicle's safety, performance or use;
• provide valid and authentic Vehicle documentation when requested by Nova Rides;
• comply with all applicable laws, regulations and regulatory requirements relating to the ownership, possession, use and hire of the Vehicle;
• comply with Nova Rides' Vehicle eligibility, onboarding and verification requirements; and
• comply with any applicable requirements relating to the installation, maintenance and operation of tracking or other safety equipment required by Nova Rides.

A Host shall not list or make available for hire any Vehicle where the Host is prohibited by law, contract, financing arrangement, insurance terms or any other legal restriction from making the Vehicle available for hire.

The Host shall ensure that the Vehicle continues to meet the applicable requirements throughout the period it is listed on the Platform and during any confirmed booking.

Nova Rides may reject, suspend or remove a Vehicle listing where the Vehicle or listing does not meet applicable requirements, the Host fails to provide required information or documentation, or Nova Rides reasonably considers that the Vehicle or listing presents a material safety, legal or reputational risk.

7. Vehicle Listings

Hosts are responsible for ensuring that all information contained in their listings is accurate, complete, current and not misleading.

A listing may include, as applicable, the Vehicle's:

• year, make and model;
• registration details;
• mileage;
• photographs;
• condition;
• availability;
• Vehicle Hire Fee;
• permitted use; and
• applicable restrictions or requirements.

Hosts shall ensure that photographs, descriptions and other information provided in a listing accurately represent the Vehicle and shall promptly update any information that becomes inaccurate or outdated.

Nova Rides may request additional information or documentation, or require a Host to correct or update a listing, where reasonably necessary.

Nova Rides may review, modify, suspend or remove a listing where it reasonably considers this necessary to protect Users, comply with applicable law, enforce these Terms, or maintain the safety, quality or integrity of the Platform.

8. Tracker Installation and Vehicle Monitoring

As part of the onboarding process, Nova Rides shall require a tracker or other approved telematics device to be installed on a Vehicle before the Vehicle is approved and made available for listing on the Platform.

The Host shall be responsible for the costs associated with the procurement, installation, activation, subscription and use of any tracker or telematics device required by Nova Rides in respect of the Host’s Vehicle, at the rates communicated by Nova Rides or its designated service provider from time to time.

Tracker installation shall only be scheduled after the Vehicle has satisfied the applicable onboarding, inspection and verification requirements of Nova Rides. The Host shall make the Vehicle available at the time and location reasonably designated by Nova Rides or its appointed tracking service provider for installation.

The Host shall not, and shall ensure that no person acting on its behalf or in possession of the Vehicle shall, remove, disable, disconnect, alter, damage, interfere with or otherwise tamper with the tracker or any associated equipment installed on the Vehicle while the Vehicle is still active on Nova Rides.

The Host acknowledges and agrees that the tracker may be used by Nova Rides and its authorised service providers for purposes including vehicle location and movement monitoring, trip history, geofencing, security monitoring, incident management, vehicle recovery, operational management and other legitimate purposes connected with the Platform and the Host’s use of the Platform.

Where a tracker becomes inactive, is disconnected, is tampered with or otherwise ceases to function properly, the Host shall promptly notify Nova Rides and, where applicable, make the Vehicle available for inspection, repair, replacement or reinstallation.

Nova Rides may suspend the listing or use of a Vehicle on the Platform where the Host fails to pay applicable tracker charges, refuses or fails to facilitate installation, or where the tracker has been removed, disabled, disconnected or tampered with.

The Host authorises Nova Rides and its authorised service providers to access and process tracking and telematics information generated in connection with the Vehicle for the purposes set out in these Terms and in accordance with Nova Rides’ Privacy Policy and applicable law.

9. Bookings

A Guest may request a Booking by selecting an available Vehicle and completing the Booking process.

A Booking becomes confirmed when the Platform indicates that the Booking has been accepted or confirmed and all applicable payment and verification requirements have been satisfied.

The Booking details shall specify, where applicable:

• the vehicle;
• host and guest;
• booking period;
• collection and return arrangements;
• vehicle hire fee;
• platform fees;
• tracker installation fee;
• applicable protection and insurance;
• security deposit;
• mileage or usage restrictions; and
• other applicable charges or conditions.

The Booking details, together with these Terms and applicable policies, constitute the terms governing all the Bookings made via the Platform.

Guests acknowledge that Vehicles made available through the Platform may be fitted with tracking or telematics devices and that information generated by such devices may be collected and processed in accordance with these Terms and Nova Rides’ Privacy Policy.

10. Fees and Payments

Guests shall pay the Booking Fee displayed on the Platform at the time of Booking, as applicable.

The Booking Fee may include:

• the Vehicle Hire Fee;
• Nova Rides' platform or service fee;
• insurance or Protection charges;
• applicable taxes; and
• other charges disclosed to the Guest before the Booking is confirmed.

Nova Rides may collect payments from Guests and remit applicable amounts to Hosts after deducting Nova Rides' fees, refunds, adjustments, amounts properly payable by the Host, and other amounts permitted under these Terms or the applicable Booking terms.

Host earnings shall be paid in accordance with the payment schedule communicated by Nova Rides, subject to any applicable deductions, adjustments, disputes, refunds, chargebacks or other amounts properly payable under these Terms.

Nova Rides may use third-party payment processors and other payment service providers to process payments and facilitate payouts.

The User authorises Nova Rides and its payment service providers to process charges properly arising under these Terms and an applicable Booking, including applicable fees, approved additional charges, refunds, cancellations and other amounts payable by the User.

Where a payment is declined, reversed, charged back or otherwise not successfully completed, Nova Rides may suspend or cancel the relevant Booking and recover any outstanding amount properly payable by the User.

11. Security Deposits and Additional Charges

Nova Rides may require a Guest to provide a security deposit or payment authorisation before a Booking is confirmed or before the Vehicle is made available to the Guest.

Subject to applicable law and the applicable Booking terms, a security deposit or other authorised payment may be applied towards amounts properly payable by the Guest, including:

• damage to a Vehicle attributable to the Guest;
• loss of or damage to Vehicle accessories or equipment;
• late return charges;
• reasonable cleaning charges arising from unreasonable use of the Vehicle;
• tolls, parking charges and other charges incurred during the Booking;
• traffic fines, penalties or other charges attributable to the Guest; and
• other charges disclosed to the Guest or arising from the Guest's breach of these Terms or the applicable Booking terms.

Nova Rides shall not make a deduction from a security deposit arbitrarily and may require reasonable supporting evidence before applying a charge.

Where a charge is disputed, Nova Rides may investigate the matter and request relevant evidence from the Host and Guest. Where applicable, Nova Rides may facilitate an insurance or Protection claim.

The release, retention or application of a security deposit shall not prevent Nova Rides, a Host or an insurer from pursuing any further amount properly payable under these Terms, the applicable Booking terms, an insurance policy or applicable law.

12. Cancellations and Refunds

Bookings may be cancelled in accordance with the cancellation terms displayed on the Platform at the time of Booking.

The applicable cancellation terms shall take into account the timing and reason for the cancellation and whether the cancellation is made by the Guest, Host or Nova Rides.

A Host shall not cancel a confirmed Booking without reasonable justification. Repeated or unjustified Host cancellations may result in cancellation charges, restrictions on future Bookings, removal of listings, suspension or termination of the Host's account.

Nova Rides may cancel or suspend a Booking where reasonably necessary because:

• payment has failed or has been reversed;
• applicable verification requirements have not been satisfied;
• the Vehicle is unavailable, unsuitable or does not meet Nova Rides' requirements;
• a safety or security concern exists;
• fraud, unlawful activity or a material breach of these Terms is suspected;
• required insurance or Protection is unavailable or cannot be maintained;
• the Host or Guest is unable or unwilling to satisfy applicable Booking requirements; or
• cancellation is necessary to comply with applicable law or to protect Users, the Platform or Nova Rides.

Where a Host cancels a confirmed Booking without reasonable justification, Nova Rides may, in accordance with the applicable cancellation terms, refund the Guest and recover any applicable cancellation costs or charges from the Host.

Refunds shall be made in accordance with the applicable cancellation policy, the applicable Booking terms and applicable Nigerian consumer protection laws.

Where Nova Rides cancels a Booking for reasons attributable to Nova Rides, any refund due to the affected User shall be determined in accordance with the applicable cancellation terms and applicable law.

13. User Responsibilities

Every User shall:

• comply with these Terms and applicable law;
• provide accurate information;
• cooperate with reasonable verification procedures;
• use the Platform lawfully;
• respect other Users;
• promptly report material safety or security issues;
• cooperate with reasonable investigations; and
• refrain from conduct that may compromise the safety, security or integrity of the Platform.

14. Prohibited Activities

Users shall not use the Platform to:

• commit or facilitate fraud;
• provide false or misleading information;
• manipulate reviews or ratings;
• harass, threaten or abuse another User;
• unlawfully discriminate against another User;
• access another person's Account;
• collect or misuse another User's personal information;
• interfere with Platform security;
• introduce malicious software;
• scrape or extract Platform data without authorisation;
• circumvent a suspension or termination;
• submit fraudulent accident, damage or insurance claims;
• manipulate payment systems;
• conduct unlawful transactions; or
• engage in any other conduct prohibited by applicable law.

15. Host Policy

Host's Continuing Obligations

A Host shall, throughout the period during which a Vehicle is listed:

• maintain the Vehicle in safe and roadworthy condition;
• maintain all required documentation and insurance;
• keep listing information accurate;
• promptly disclose material changes affecting the Vehicle;
• make the Vehicle available for confirmed Bookings;
• comply with agreed collection and return arrangements; and
• cooperate with Nova Rides and any applicable insurer concerning incidents and claims.

Handover of Vehicle

The Host shall make the Vehicle available in a reasonably clean, safe and roadworthy condition and shall disclose known material defects. The Host and Guest shall document the Vehicle's condition at handover where required by Nova Rides.

Host Cancellation

A Host may cancel a Booking where reasonably necessary, but repeated or unjustified cancellations may result in consequences under the Platform's cancellation policy.

Host Earnings

Nova Rides shall facilitate payment of Host earnings after deduction of applicable Platform Fees, refunds, chargebacks, disputed amounts and other sums properly payable.

Host Liability

The Host remains responsible for:

• the lawful ownership or authority to list the Vehicle;
• Vehicle maintenance and roadworthiness;
• undisclosed defects;
• inaccurate listing information; and
• the Host's own acts or omissions.

16. Guest Policy

Guest Eligibility

A Guest must satisfy Nova Rides' applicable age, identity and driver's licence requirements before driving a Vehicle.

Driver's Licence

A Guest must hold a valid driver's licence appropriate for the Vehicle and comply with all applicable Nigerian driving requirements.

Additional Drivers

Only the Guest and any Additional Driver expressly approved through the Platform may drive the Vehicle. The Guest remains responsible for any Additional Driver permitted by the Guest.

Vehicle Use

A Guest shall:

• use the Vehicle responsibly;
• comply with traffic laws;
• take reasonable care of the Vehicle;
• comply with applicable Booking restrictions;
• keep the Vehicle reasonably secure; and
• return the Vehicle in accordance with the Booking.

Prohibited Vehicle Use

Unless expressly authorised, a Guest shall not:

• use a Vehicle for racing or speed testing;
• use a Vehicle for dangerous or reckless driving;
• use a Vehicle for unlawful purposes;
• transport illegal goods;
• sub-hire the Vehicle;
• permit an unauthorised person to drive;
• modify or tamper with the Vehicle;
• interfere with tracking or safety equipment;
• use the Vehicle for commercial passenger or goods transportation where not authorised;
• drive while under the influence of alcohol or drugs; or
• use the Vehicle in a manner prohibited by the applicable insurance policy.

The Guest acknowledges that Vehicles listed on the Platform will be equipped with tracking or telematics devices for purposes including vehicle security, location and movement monitoring, trip management, incident management, vehicle recovery and other legitimate operational purposes.

The Guest shall not remove, disable, disconnect, damage, interfere with, obscure or tamper with any tracking or telematics device or associated equipment installed in a Vehicle.

The Guest shall not permit any person to tamper with or interfere with the tracking or telematics equipment during the rental period.

Where the Guest becomes aware that a tracking device is malfunctioning, has been disconnected or has otherwise been interfered with, the Guest shall promptly notify Nova Rides and, where applicable, the Host.

Any unauthorised removal, disabling, disconnection, damage or tampering with a tracking or telematics device by a Guest shall constitute a breach of these Terms and may result in the suspension or termination of the Guest’s booking or account. The Guest shall be responsible for and indemnify Nova Rides of any costs arising from the repair, replacement or reinstallation of the affected equipment.

17. Vehicle Inspection and Return

The Guest shall inspect the Vehicle at the commencement of the Booking and report any pre-existing material damage or defect through the Platform. The report shall be detailed and with supporting images/photos showing date and timestamp.

The Guest shall return the Vehicle at the agreed time and location, in the same condition, subject to reasonable wear and tear depending on the period of use. The Guest shall return all keys, documents, accessories and equipment provided with the Vehicle.

A Guest who fails to return a Vehicle on time shall be responsible for applicable additional charges and reasonable costs arising from the delay.

A Guest shall not retain a Vehicle beyond the Booking period without approval.

18. Fuel, Tolls, Fines and Operating Costs

Unless otherwise stated in the Booking:

• the Guest is responsible for fuel consumed during the Booking;
• the Guest is responsible for tolls and parking charges arising from the Guest's use;
• the Guest is responsible for traffic fines and penalties attributable to the Guest; and
• the Guest is responsible for other operating charges expressly allocated to the Guest under the Booking.

19. Accidents, Damage and Theft

A Guest involved in an accident, theft, damage, breakdown or other material incident involving a Vehicle shall:

• promptly notify Nova Rides and the Host;
• where appropriate, notify the Police, emergency services and the applicable insurer;
• take reasonable steps to protect the Vehicle and prevent further loss or damage, provided that this does not put the Guest or any other person at risk;
• preserve relevant evidence, including photographs, videos, witness information and documents;
• cooperate fully with Nova Rides, the Host and any applicable insurer in investigating and resolving the incident; and
• provide any information or documentation reasonably required in connection with the incident.

The Guest shall not admit liability, settle or compromise a claim, or make any representation on behalf of Nova Rides, the Host or an insurer without the relevant party's prior authorisation.

The Guest shall not arrange material repairs to a Vehicle without prior authorisation from Nova Rides or the Host, except where immediate action is reasonably necessary to protect life or prevent further material damage.

A Guest shall remain responsible for complying with all reasonable instructions provided by Nova Rides, the Host or the applicable insurer following an incident.

20. Insurance

Where insurance is made available through Nova Rides, the applicable insurance shall be governed by the relevant policy, certificate, schedule and applicable terms, conditions, exclusions and limitations.

Nova Rides is not the insurer or underwriter of any insurance product unless expressly stated otherwise in a separate written agreement.

The applicable insurer or Insurance Partner is responsible for underwriting the relevant insurance product and assessing and determining claims in accordance with the applicable policy and applicable Nigerian laws.

Insurance or Protection does not necessarily cover every loss, accident, damage, theft or circumstance. Users remain responsible for complying with all applicable policy requirements, conditions and exclusions.

A User's failure to comply with applicable insurance requirements or the terms of the relevant policy may affect the availability or extent of coverage.

Nothing in these Terms prevents a User from making or pursuing a valid claim against an insurer in accordance with the applicable insurance policy and applicable law.

21. Damage and Claims Process

Where damage, theft, loss or other incident involving a Vehicle is reported, Nova Rides may facilitate the collection, documentation and review of information from the Host and Guest.

The Host and Guest shall provide information and supporting documents reasonably required by Nova Rides, the Host or the applicable insurer to assess and resolve the incident. This may include photographs, videos, repair estimates, invoices, receipts, police reports, witness information and other relevant documents.

Nova Rides may coordinate communication between the relevant parties and the applicable insurer in relation to an incident but does not determine insurance coverage or the validity or amount of an insurance claim unless expressly authorised to do so.

Where an incident falls within an applicable insurance policy, the claim shall be handled in accordance with that policy.

Where a loss or damage is not covered by applicable insurance or Protection, the party responsible for the loss or damage shall remain responsible for the applicable costs, subject to these Terms, the applicable booking terms and applicable law.

22. Reviews, Ratings and User Content

• Users may submit genuine reviews and ratings following a Booking.
• Reviews must not be false, defamatory, threatening, discriminatory or misleading.
• Users retain ownership of content they submit but grant Nova Rides a non-exclusive, worldwide, royalty-free licence to use, reproduce, display and publish such content for operating, improving and promoting the Platform.
• Nova Rides may remove content that breaches these Terms or applicable law.

23. Personal Data and Privacy

Nova Rides shall process personal data in accordance with its Privacy Policy and applicable Nigerian data protection law, including the Nigeria Data Protection Act 2023.

Nova Rides may process personal data for purposes including:

• account creation and management;
• identity and driver's licence verification;
• Vehicle verification;
• Booking administration;
• payment processing;
• fraud prevention;
• safety and incident management;
• customer support;
• insurance and claims administration;
• compliance with legal obligations; and
• other purposes disclosed in the Privacy Policy.

Nova Rides may share relevant information with Hosts, Guests, payment processors, verification providers, insurers, professional advisers, service providers, regulators or law enforcement authorities where reasonably necessary for the operation of the Platform or required or permitted by law.

Users shall have the rights available to them under applicable data protection law, subject to lawful limitations.

24. Intellectual Property

All intellectual property rights in the Platform, including its software, branding, logos, designs, databases and technology, belong to Nova Rides or its licensors.

Users may only use the Platform for its intended purpose and shall not copy, modify, reverse engineer, reproduce or commercially exploit any part of the Platform without Nova Rides' prior written consent.

25. Suspension and Termination

Nova Rides may suspend or terminate a User's Account, remove or suspend a Vehicle listing, or cancel a Booking where it reasonably believes that:

• these Terms or applicable Booking terms have been breached;
• false, inaccurate or misleading information or documentation has been provided;
• fraud, attempted fraud or other unlawful activity is suspected;
• the User or Vehicle presents a safety or security risk;
• applicable verification, onboarding or Vehicle eligibility requirements have not been satisfied;
• payment obligations have not been met;
• the User has attempted to circumvent or otherwise misuse the Platform;
• a required tracking device or other safety equipment has been removed, disabled, tampered with or otherwise interfered with;
• the User has engaged in conduct that may expose Nova Rides, another User or the Platform to material legal, financial or reputational risk; or
• suspension or termination is reasonably necessary to protect Users, Nova Rides or the Platform, or to comply with applicable law.

Nova Rides may remove or suspend a Vehicle listing or cancel a Booking where reasonably necessary for safety, legal, insurance, verification, operational or other legitimate Platform-related reasons.

Where reasonably practicable, Nova Rides may notify the affected User of the reason for a suspension, termination, listing removal or Booking cancellation. Nothing in these Terms requires Nova Rides to provide prior notice where immediate action is reasonably necessary to protect Users, Nova Rides or the Platform, prevent fraud or unlawful activity, or comply with applicable law.

Termination or suspension shall not affect any rights, obligations or liabilities that accrued before the effective date of termination or suspension, or any provisions which by their nature or express terms are intended to survive termination.

26. Nova Rides' Liability

Nova Rides shall provide the Platform and its services with reasonable care and skill, subject to applicable law.

Nova Rides is a platform provider and intermediary and does not own, operate, maintain or control Vehicles listed on the Platform, unless expressly stated otherwise.

Subject to applicable law, Nova Rides shall not be responsible for losses arising solely from:

• a Host's failure to make a Vehicle available or comply with the applicable Booking;
• a Guest's misuse, unauthorised use or operation of a Vehicle;
• the acts or omissions of a Host, Guest or other User;
• inaccurate, incomplete or misleading information supplied by a User;
• Vehicle defects, mechanical failures, maintenance issues or other conditions not caused by Nova Rides;
• traffic offences, accidents or unlawful conduct of a User;
• the acts or omissions of third-party service providers, including payment processors, insurers and other service providers, except to the extent attributable to Nova Rides' failure to exercise reasonable care in selecting or managing such provider where required by applicable law; or
• circumstances outside Nova Rides' reasonable control.

Nova Rides does not guarantee the condition, availability, suitability, legality or performance of any Vehicle, or the conduct, identity, qualifications or reliability of any Host or Guest, except to the extent expressly stated in these Terms or required by applicable law.

Nothing in these Terms excludes or limits any liability to the extent that such exclusion or limitation is prohibited by applicable Nigerian law.

27. User Indemnity

To the extent permitted by applicable law, a User shall indemnify and hold harmless Nova Rides against reasonable claims, losses, liabilities, damages, costs and expenses arising directly from:

• the User's material breach of these Terms or applicable Booking terms;
• the User's unlawful, fraudulent or wilfully negligent conduct;
• the User's misuse, unauthorised use or operation of a Vehicle;
• inaccurate, incomplete or misleading information or documentation provided by the User;
• infringement of any third-party intellectual property or other rights by the User; or
• the User's acts or omissions in connection with a transaction or interaction with another User, to the extent such acts or omissions give rise to the relevant claim, loss, liability, damage, cost or expense.

The indemnity shall include reasonable legal and professional costs incurred by Nova Rides in responding to or defending a claim arising from the matters set out above.

This indemnity shall not apply to the extent that the relevant loss, liability, damage, cost or expense was caused by Nova Rides' negligence, fraud, wilful misconduct or other liability which cannot lawfully be excluded or limited.

28. Consumer Protection

Nova Rides shall provide material information concerning its services, applicable fees and material Booking terms in a manner reasonably accessible to Users.

Nothing in these Terms is intended to exclude or restrict a consumer right that cannot lawfully be excluded under Nigerian law.

Any material limitation of liability, indemnity or other provision which applicable law requires to be specifically brought to the consumer's attention shall be presented to the consumer before the relevant transaction is concluded.

Where any provision of these Terms is inconsistent with a mandatory provision of Nigerian consumer protection law, the mandatory provision shall prevail to the extent of the inconsistency.

29. Disputes Between Hosts and Guests

Hosts and Guests shall first attempt to resolve disputes arising from a Booking directly and in good faith.

Nova Rides may, at its discretion, facilitate communication between the Host and Guest or provide an internal complaints, incident-resolution or dispute-support process.

Nova Rides' involvement in facilitating or administering a dispute does not make Nova Rides a party to the underlying Host-Guest transaction or make Nova Rides responsible for the acts or omissions of either party, unless expressly agreed otherwise.

Nothing in this clause prevents a Host or Guest from exercising any rights or remedies available under applicable law.

30. Disputes Between Users and Nova Rides

A dispute between a User and Nova Rides arising from or relating to these Terms, a Booking or the Platform shall first be referred to Nova Rides' customer support or complaints process.

The parties shall attempt in good faith to resolve the dispute through this process within thirty (30) days after the dispute is formally raised.

Where the dispute remains unresolved after the applicable resolution period, either party may pursue any remedy available under applicable Nigerian law.

Nothing in this clause prevents a User from exercising any statutory right or remedy that cannot lawfully be excluded or restricted by agreement.

31. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria.

Subject to any mandatory consumer protection or dispute-resolution requirements, the courts of competent jurisdiction in Nigeria shall have jurisdiction over disputes arising between Nova Rides and a User.

32. Amendments

Nova Rides may amend these Terms to reflect changes in:

• applicable law;
• regulatory requirements;
• the Platform;
• Nova Rides' services;
• safety requirements; or
• legitimate business practices.

Where an amendment materially affects a User's rights or obligations, Nova Rides shall provide reasonable notice.

Where applicable law requires fresh consent, Nova Rides shall obtain such consent before the amended Terms become binding.

33. Electronic Communications

Users consent to receiving Platform-related communications electronically, including through email, SMS, in-app notifications or other communication channels provided to Nova Rides. Such communications may include Booking confirmations, payment information, cancellation notices, safety notices, Account information and amendments to these Terms.

34. Third-Party Services

The Platform may use third-party providers for payment processing, identity verification, insurance, communications, mapping, technology and other services. Third-party services may be subject to their own terms and policies.

35. Force Majeure

Nova Rides shall not be liable for delay or failure caused by circumstances beyond its reasonable control, including natural disasters, government action, civil unrest, strikes, telecommunications failures, internet outages, cyber incidents or failures of third-party service providers.

36. Policies and Document Hierarchy

These Terms of Service, including the applicable Host Policy and Guest Policy, govern a User's use of the Platform and participation in Bookings. The Host Policy and Guest Policy form an integral part of these Terms and are binding on the applicable Users.

By creating an Account, listing a Vehicle, making or accepting a Booking, or otherwise using the Platform, a User agrees to comply with these Terms and the applicable Host Policy or Guest Policy.

Where there is any inconsistency between these Terms and a Booking-specific term displayed or communicated to the User before the Booking is confirmed, the Booking-specific term shall apply to the extent of the inconsistency.

Where there is any inconsistency between these Terms and the Host Policy or Guest Policy, these Terms shall prevail unless the relevant provision of the Host Policy or Guest Policy expressly states otherwise.

Nova Rides may update the Host Policy, Guest Policy or other applicable Platform rules from time to time. Where a material change affects a User's rights or obligations, Nova Rides shall provide reasonable notice through the Platform or other appropriate means.

37. Off-Platform Transactions and Circumvention

Users shall not use the Platform to identify, introduce or connect with another User for the purpose of circumventing Nova Rides' fees, payment processes, Booking requirements or other Platform protections.

Where a Host and Guest are introduced through the Platform, they shall not knowingly arrange or complete a Vehicle hire transaction outside the Platform for the purpose of avoiding Nova Rides' applicable fees or processes.

Nova Rides may suspend or terminate a User's Account or take other appropriate action where it reasonably believes that the User has engaged in conduct intended to circumvent the Platform or avoid applicable fees or requirements.

Nothing in this clause prevents Users from maintaining or developing relationships that existed independently of the Platform, provided that such relationships are not used to circumvent Nova Rides in relation to a transaction initiated through the Platform.

38. General Provisions

No Waiver

Failure to enforce any provision of these Terms shall not constitute a waiver of that provision.

Severability

If any provision is held to be invalid or unenforceable, the remaining provisions shall remain in effect.

Assignment

A User may not assign its rights or obligations under these Terms without Nova Rides' prior written consent.

Nova Rides may assign these Terms in connection with a merger, restructuring, sale of its business or similar transaction, subject to applicable law.

Entire Agreement

These Terms, together with the Privacy Notice, applicable Booking terms, Cancellation Policy, Protection terms and other policies expressly incorporated into them, constitute the agreement between the User and Nova Rides concerning use of the Platform.

Survival

Provisions concerning payments, liability, indemnity, intellectual property, disputes, personal data and any other provisions intended by their nature to survive shall remain effective after termination.

39. Contact and Complaints

Questions, complaints or notices concerning the Platform may be directed to:

Nova Rides Limited

Email: support@novarides.ng