Terms of Service

1. Acceptance of Terms

By accessing or using Decision Intelligence Layer ("DIL", "we", "our", "us"), you confirm that you have read, understood, and agreed to these Terms of Service.

If you do not agree with these Terms, you should not use DIL.

2. What DIL Is

DIL is a decision-intelligence platform that helps people understand institutions, discover verified opportunities, understand processes, follow important developments, and learn from documented community experiences.

DIL structures information from official websites, public notices, institutional materials, partner submissions, and other relevant sources so users can understand important details before they decide or act.

DIL may provide institution profiles, opportunity records, process guides, insights, source records, saved information, update alerts, and community features.

3. What DIL Is Not

DIL is not:

• A bank or financial institution
• A hospital or medical provider
• A school or education authority
• A law firm or legal adviser
• A government agency
• A final decision-maker
• A guarantee of any outcome

DIL does not replace official institutional instructions, professional advice, medical advice, legal advice, financial advice, or government decisions.

Users must confirm final requirements, fees, deadlines, eligibility, services, instructions, and decisions with the relevant official institution or qualified professional.

4. Independent Information and Institutional Relationships

Unless clearly stated, DIL is independent of the institutions listed on the platform.

Some institutions or organisations may provide information, request corrections, manage verified profiles, submit programmes, or work with DIL through a partnership. Those relationships should be identified where relevant.

An institutional relationship does not guarantee an outcome for a user, permit access to private user accounts, or allow legitimate community evidence to be hidden without a valid reason.

Sponsored programmes or other sponsored information should be identified clearly so users can distinguish them from independent DIL records.

5. Eligibility

By creating an account or using DIL, you confirm that:

• You are at least 16 years of age
• You are legally capable of using the service
• Information you provide is accurate and truthful
• You will keep your account credentials secure
• You will use DIL lawfully and responsibly

6. Account Registration

Some DIL features require an account. The registration process may ask you to provide:

• First name
• Last name
• Email address
• Password

Your email may be verified using a one-time verification code.

You are responsible for activity carried out through your account. Keep your password and verification codes private. Contact DIL Support promptly if you believe your account has been accessed without permission.

7. Public and Registered Access

Guests may browse selected public information without creating an account.

A registered account may be required to:

• Open complete institution, opportunity, process guide, and insight details
• Save information and return to it later
• Follow supported updates
• Open protected community evidence
• React, comment, add related experiences, or publish posts
• Use other account-based features

DIL may change which features are public or account-based where reasonably necessary for security, responsible participation, or platform development.

8. Institution Profiles

Institution profiles may include official names, services, locations, contact information, processes, requirements, official resources, source records, verification status, review dates, and other structured information.

DIL works to organise information clearly, but institutions may change their services, policies, locations, requirements, or contact channels after a profile is reviewed.

Users should confirm time-sensitive or action-critical information through the institution's official channels.

9. Opportunities

Opportunity records may include admissions, training, careers, programmes, funding, competitions, enterprise support, or other openings published by institutions and organisations.

Deadlines, requirements, availability, locations, selection criteria, and official links can change. DIL does not control an institution's selection process and cannot guarantee admission, employment, funding, acceptance, or any other result.

Users should complete applications only through the official route identified by the responsible institution.

10. Process Guides

DIL process guides organise requirements, eligibility conditions, documents, stages, and official actions into understandable steps. A guide may describe how an institutional process works, what users should prepare, and where to check for updates.

A process guide is explanatory information, not an application service or official approval. Requirements and procedures may change, so users must confirm final instructions with the responsible institution.

11. Insights and Signals

DIL insights may explain patterns, notices, changes, risks, operational behaviour, or developments connected to institutions and public processes.

Confidence, urgency, attention, verification, and similar labels are information signals based on the sources and observations available to DIL. They are not guarantees, official decisions, or promises that an institution will act in a particular way.

12. DIL Quiz

DIL Quiz is an educational and engagement feature created from DIL’s own institutional intelligence and research, including information about institutions, opportunities, processes, and insights. Its questions are produced by DIL, not by an independent third-party quiz provider.

Quiz questions and explanations reflect DIL’s available information at the time of preparation. They are not official examinations, admission tests, professional certifications, or decisions by any institution.

Participation, scoring, attempts, dates, eligibility, prizes (if any), and results may be governed by additional quiz-specific rules displayed for a particular quiz. DIL may review suspected misuse or ineligible entries to preserve fair participation.

13. Opportunity Demand Signals

Users may voluntarily describe the types of opportunities, support, programmes, or resources they want to find. DIL uses these requests to understand the demand for opportunities and identify patterns that may be useful to institutions.

DIL may present aggregated, de-identified demand signals to relevant institutions or organisations to show what users are seeking. Submitting a demand does not constitute an application to an institution and does not guarantee that DIL or any institution will provide, fund, or create the requested opportunity.

Users should not submit sensitive personal records, passwords, or private information about someone else in opportunity-demand requests.

14. Community Features

DIL Community allows people to read documented experiences involving institutions and public processes. Registered users may be able to react, comment, add related experiences, or publish new posts.

Users are responsible for the content they submit. Community content should be truthful, relevant, respectful, and based on an experience or information the user is entitled to share.

Do not publish passwords, verification codes, card details, bank login information, full medical records, identity numbers, private addresses, confidential documents, or personal information that unnecessarily identifies another person.

DIL may review, restrict, remove, label, or preserve content for moderation, safety, legal obligations, dispute handling, or protection against abuse.

15. Proof Images and Evidence

Registered users may be able to attach proof images to supported community reports. By uploading an image, you confirm that you have the right to share it and that you have reviewed it for private or sensitive information.

Proof images may be stored by DIL and displayed with the related community content. Complete evidence may be limited to registered users.

DIL may restrict or remove evidence that exposes sensitive information, is unrelated, misleading, manipulated, unlawful, unsafe, or violates these Terms.

DIL does not automatically upload a device gallery. An image is uploaded only when the user intentionally selects and submits it.

16. Saved Information and Updates

Registered users may save supported information and follow supported updates.

Saved information may become outdated when an institution changes its requirements, services, deadlines, or official materials. Users should recheck the latest source before taking action.

DIL does not guarantee that every change will be detected or that every alert will be delivered immediately.

17. Corrections and Reports

Users may report information that appears incorrect, outdated, incomplete, unsafe, or technically broken.

A report should identify the page or institution, explain what needs review, and include an official supporting source where available.

Submitting a report does not guarantee that DIL will make the requested change. DIL may review the source, contact the relevant organisation, preserve an existing record, add context, or take another reasonable action.

18. Notifications and Communication

DIL may send notifications or email about account security, saved information, followed updates, institution changes, opportunity deadlines, insight updates, community activity, correction reports, support responses, or important platform notices.

Users can manage device notification permissions through their device settings. Essential account or security notices may still appear inside DIL.

19. User Responsibilities

By using DIL, you agree to:

• Use the platform lawfully and respectfully
• Provide accurate account information
• Keep login details and verification codes secure
• Not impersonate a person, institution, or organisation
• Not use DIL for fraud, harassment, threats, spam, or unlawful activity
• Not publish private or confidential information without authority
• Not submit false, fabricated, or manipulated evidence
• Not attempt to hack, overload, scrape, disrupt, or reverse-engineer DIL
• Not present DIL information as an official institutional decision
• Confirm important information through official sources

20. Content Ownership and Use

Your content: You remain responsible for community posts, comments, evidence, reports, and other information you submit. By submitting content to a feature intended for publication, you allow DIL to host, display, format, moderate, and use that content as reasonably necessary to operate the feature.

DIL content: DIL's branding, layouts, structured records, process guide formats, original explanations, verification presentation, software, and other original materials are owned by DIL or used with permission.

Users may use DIL information for personal, non-commercial understanding. They may not scrape, copy in bulk, republish, sell, misrepresent, or claim ownership of DIL content without permission.

DIL’s original Quiz questions, quiz explanations, and DIL-created institutional learning content form part of DIL’s original materials unless specifically stated otherwise.

21. Third-Party Links and Services

DIL may link to official institution websites, application pages, documents, social channels, maps, communication tools, and other external services.

DIL does not control those services and is not responsible for their availability, content, privacy practices, security, requirements, fees, delays, or decisions. Users should review the relevant external terms before using them.

22. Accuracy and No Guarantees

DIL works to structure, source, review, and update information, but does not guarantee that every record is complete, current, or free from error.

DIL does not guarantee:

• That an institution will respond or act
• That an opportunity will remain open
• That an application will succeed
• That a deadline, fee, requirement, or service will remain unchanged
• That community information will be accepted as proof by an institution
• That notifications will always arrive immediately
• That DIL will be uninterrupted or error-free

Users remain responsible for their decisions, submissions, and interactions with institutions and third parties.

23. Service Availability

DIL is an evolving platform. Features, access rules, institution records, opportunity records, process guides, insights, community tools, saved-information tools, and partner features may change, be suspended, or be discontinued.

Maintenance, updates, internet problems, service-provider failures, security events, or other technical issues may affect access.

24. Account Suspension and Termination

DIL may suspend, restrict, or terminate an account that:

• Violates these Terms
• Abuses users, institutions, or the platform
• Attempts unauthorised access
• Publishes harmful, unlawful, deceptive, or unsafe content
• Submits fabricated evidence or repeatedly false reports
• Creates a privacy, safety, or security risk
• Uses automated methods to scrape or disrupt DIL

Users may request account deletion through the available account option or by contacting DIL Support.

25. Limitation of Liability

To the fullest extent permitted by applicable law, DIL, its operators, contributors, and partners will not be liable for indirect, incidental, special, consequential, or similar losses arising from use of the platform.

This includes losses connected to reliance on outdated or incomplete information, institution decisions, missed opportunities, external services, community content, delayed notifications, technical failures, or actions taken after using DIL.

Nothing in these Terms excludes a responsibility that cannot lawfully be excluded.

26. Indemnification

To the extent permitted by applicable law, you agree to protect DIL and its operators from claims, losses, liabilities, damages, or reasonable expenses caused by your unlawful use of DIL, your submitted content, your violation of these Terms, or your violation of another person's rights.

27. Changes to These Terms

DIL may update these Terms as the platform develops, including when institution, opportunity, process guide, insight, community, saved-information, verification, notification, or partner features change.

Material changes will be communicated clearly where reasonably possible. The effective date at the top of this page identifies the current version.

28. Governing Law and Disputes

These Terms are governed by the applicable laws of the Federal Republic of Nigeria.

A concern relating to these Terms or use of DIL should first be raised with DIL Support so the matter can be reviewed. Where it cannot be resolved, it may be referred to the appropriate court or authority in Nigeria.

29. Contact Information

For questions about these Terms, account access, account deletion, information corrections, or support, contact DIL:

We typically respond within 48 hours.