Terms of Use

Welcome to the Segun Makinde website.

These Terms of Use govern your access to and use of this website, including its articles, videos, educational resources, interactive features, AI-powered tools, forms, downloads and other content or services made available through the website.

By accessing or using the website, you acknowledge these Terms of Use. If you do not agree with them, you should discontinue use of the website.

References to “we”, “us” or “our” mean LIT Systems Inc., the organisation responsible for operating this website.

This website is designed to provide information about Segun Makinde, his work, perspectives, programmes, educational initiatives, speaking engagements, community activities and related professional interests.

The website may also provide:

• financial education and general educational content;
• articles, videos and other resources;
• information about events and programmes;
• interactive or AI-powered tools;
• opportunities to submit enquiries;
• opportunities to request consultations or strategy sessions;
• newsletters and updates; and
• links to related organisations, platforms and third-party resources.

Website content may evolve over time.

Unless expressly stated otherwise, information available through this website is provided for general informational and educational purposes.

Content should not be regarded as personalised:

• financial advice;
• investment advice;
• securities advice;
• insurance advice;
• tax advice;
• accounting advice;
• legal advice; or
• other regulated professional advice.

Financial circumstances, objectives, risk tolerance, tax positions, insurance requirements and other personal factors differ between individuals.

Where appropriate, users should obtain advice from a suitably qualified professional who can consider their individual circumstances before making financial, investment, insurance, tax, legal or other material decisions.

Nothing on this website constitutes an offer, solicitation, guarantee or promise of:

• investment performance;
• financial returns;
• insurance coverage;
• eligibility for a particular product or service;
• business results;
• income;
• programme acceptance; or
• any particular outcome.

Examples, case studies, educational illustrations or personal experiences may not represent results that another person will achieve.

Past performance or historical outcomes do not guarantee future results.

The website may discuss, reference or link to financial concepts, organisations, products, services or platforms provided by third parties.

Unless expressly stated otherwise:

• references are provided for informational purposes;
• third-party products and services remain subject to their providers' terms, conditions, eligibility requirements and regulatory obligations; and
• users should review the relevant provider's documentation before making a decision.

Where a material commercial, professional or other relationship is relevant to particular content, appropriate disclosure should be made where required.

Submitting an enquiry, requesting a meeting, booking a strategy session or otherwise contacting us through the website does not by itself create:

• a professional adviser-client relationship;
• a fiduciary relationship;
• an insurance-client relationship;
• an investment advisory relationship;
• a contractual engagement; or
• any other professional relationship.

Any formal engagement will be subject to the appropriate onboarding, suitability, disclosure, documentation and contractual requirements applicable to that service.

The website may provide AI-powered assistants, conversational interfaces, recommendation tools, search functionality or other automated features.

These tools are intended primarily to help users navigate information, explore educational material or identify relevant resources.

AI-generated content:

• may contain inaccuracies or omissions;
• may not reflect the most recent information;
• may not account for the user's complete circumstances; and
• should not be treated as personalised professional advice unless expressly provided through an appropriately authorised professional process.

Users should independently verify material information before relying on it for significant decisions.

Users should not enter passwords, banking credentials, highly sensitive financial information or confidential third-party information into an AI-powered feature unless expressly requested through an appropriate secure process.

Unless otherwise stated, the website and its original content, including:

• text;
• articles;
• videos;
• graphics;
• photographs;
• branding;
• logos;
• downloadable resources;
• presentations;
• educational materials;
• programme names;
• website design; and
• other original materials

are owned by, licensed to or used with permission by Segun Makinde, LIT Systems Inc. or the applicable rights holder.

All applicable intellectual property rights are reserved.

Users may access and use publicly available website content for lawful personal, informational and non-commercial purposes.

Reasonable sharing of links to publicly available pages is permitted.

Unless expressly authorised, users may not:

• reproduce substantial portions of website content;
• republish content as their own;
• commercially exploit website materials;
• remove copyright, attribution or proprietary notices;
• use branding or logos in a manner suggesting endorsement or affiliation;
• systematically scrape, harvest or extract website content or data;
• create unauthorised derivative commercial products from website materials; or
• use website content to infringe the rights of another person.

Requests for permission may be directed to [Contact Email].

Where the website allows users to submit questions, comments, testimonials, stories, feedback, applications or other materials, users are responsible for ensuring that:

• the information supplied is accurate to the best of their knowledge;
• they have the right to provide the information;
• the submission does not unlawfully infringe another person's rights; and
• the submission does not contain unlawful, malicious or harmful material.

Submitting information does not automatically grant us permission to publicly publish an individual's identifiable testimonial, image or personal story. Where separate permission is appropriate, it will be obtained in accordance with the applicable privacy and consent framework.

Users must not use the website to:

• violate applicable law;
• impersonate another person;
• submit fraudulent or deliberately misleading information;
• interfere with website security or functionality;
• introduce malware or malicious code;
• attempt unauthorised access to systems or accounts;
• conduct automated extraction or scraping without authorisation;
• abuse interactive or AI-powered features;
• infringe intellectual property or privacy rights; or
• engage in conduct reasonably likely to harm the website, its users or associated organisations.

Access may be restricted where misuse or security risks are identified.

The website may contain links to external websites, social-media platforms, tools or resources.

Links are provided for convenience and informational purposes. Unless expressly stated, inclusion of a link does not constitute endorsement of all content, products or services provided by that third party.

Third-party websites are governed by their own terms and privacy practices.

We may:

• update website content;
• add or remove features;
• modify resources;
• suspend functionality;
• correct errors; or
• discontinue parts of the website

without guaranteeing continuous availability.

We will seek to maintain accurate and useful information but do not guarantee that every page or feature will always be available, complete or error-free.

To the extent permitted by applicable law, the website and its content are provided on an “as available” basis.

We do not warrant that:

• the website will always operate without interruption;
• every item of content will be complete or current;
• the website will be free from all technical errors or harmful components; or
• use of the website will produce a particular result.

Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

To the extent permitted by applicable law, Segun Makinde, LIT Systems Inc., and their respective authorised representatives will not be liable for indirect, incidental, consequential or similar losses arising solely from reliance on general website information or from circumstances beyond reasonable control.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.

Use of personal information associated with this website is governed by the Privacy Policy & Data Protection Statement and, where applicable, supplementary notices presented at the point of collection.

Cookie and similar technology practices are addressed separately through the website's Cookie Policy and consent controls.

These Terms are governed by the laws applicable to the Province of Alberta and the federal laws of Canada applicable therein, without limiting any mandatory rights that may apply to users under the laws of another jurisdiction.

Any dispute will be handled in accordance with applicable law and any legally enforceable dispute-resolution requirements.

These Terms may be updated periodically to reflect changes to the website, services, technologies or applicable requirements.

The current version will be published on the website with its effective or last-updated date.

Continued use of the website following an update constitutes acknowledgement of the revised Terms to the extent permitted by law.

Questions concerning these Terms of Use may be directed to:

[Responsible Person/Title] LIT Systems Inc. [Email Address] www.segunmakinde.com