Terms of Service – Healio.ng
Effective Date: January 1, 2026
Acceptance of Terms
By accessing or using Healio.ng, you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you should not use our website. We reserve the right to update or modify these terms at any time without prior notice. Your continued use of the website after any changes constitutes acceptance of the new terms. It is your responsibility to review these terms periodically.
Description of Service
Healio.ng provides a collection of free online tools designed to assist with various calculations, conversions, and creative tasks. These tools include financial calculators, text and writing utilities, image and file processing tools, security utilities, and other resources. All tools operate within your web browser, and most process data entirely on your device without transmitting it to our servers.
Our tools are provided for informational and educational purposes. They are designed to be helpful aids, but they should not be treated as definitive authorities. Users should independently verify any information or calculations that have legal, financial, or other significant consequences.
No Warranty
Healio.ng is provided on an “as is” and “as available” basis. We make no warranties, express or implied, regarding the accuracy, completeness, reliability, or availability of our website or any of its tools, content, or services. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee that our website will be uninterrupted, error-free, secure, or free from viruses or other harmful components. We do not guarantee that the results obtained from using our tools will be accurate or reliable. You use our website at your own risk.
Limitation of Liability
To the fullest extent permitted by Nigerian law, Healio.ng, its owners, operators, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of your use of or inability to use our website or any of its tools, even if we have been advised of the possibility of such damages.
This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory, and whether or not we have been informed of the possibility of such damage. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed, our liability is limited to the maximum extent permitted by law.
Use of Tools and Content
You may use the tools and content on Healio.ng for personal, educational, and commercial purposes, subject to the following conditions. You may not resell, redistribute, or sublicense our tools or content as a standalone product. You may not use our tools or content in any manner that violates applicable laws or regulations. You may not attempt to reverse engineer, decompile, or extract the source code of our tools, except as permitted by applicable law. You may not use automated means, including bots, scrapers, or scripts, to access or interact with our website in a manner that imposes an unreasonable load on our infrastructure.
Intellectual Property
All content, tools, designs, text, graphics, logos, and code on Healio.ng are the intellectual property of Healio.ng unless otherwise stated. You may not reproduce, distribute, modify, or create derivative works from any part of our website without our express written permission, except as permitted by these terms.
The name “Healio.ng“ and our logo are our trademarks. You may not use them without our prior written consent.
User Responsibilities
When using our tools that involve inputting data—such as text, images, or files—you are solely responsible for the content of that data. You represent and warrant that you have the right to use any data you input into our tools and that your use of that data does not violate any applicable laws or the rights of any third party.
Because our tools process data locally on your device, we do not have access to, control over, or responsibility for the data you input. We do not monitor, review, or store user data. You bear full responsibility for any consequences arising from the data you process using our tools.
Financial and Legal Disclaimer
The financial calculators and tools provided on Healio.ng, including but not limited to the POS Charge Calculator, Freelancer Rate Calculator, and Percentage Calculator, are designed to provide estimates based on publicly available information about tax rates, transfer fees, and other financial parameters. These estimates may not reflect the actual charges applied by banks, tax authorities, or other institutions. Financial regulations and rates change periodically, and there may be a delay between a regulatory change and our update to reflect it.
You should not rely solely on our tools for making financial decisions. Always verify critical financial information with your bank, tax advisor, or relevant regulatory authority. We are not a financial institution, a tax advisor, or a legal professional, and nothing on our website should be construed as financial or legal advice.
Privacy
Your use of Healio.ng is also governed by our Privacy Policy, which explains how we handle information when you visit our website. The Privacy Policy is incorporated into these Terms of Service by reference. Please read it carefully.
Third-Party Links and Services
Our website contains links to third-party websites and services that are not owned or controlled by Healio.ng. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Healio.ng shall not be responsible or liable for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any third-party website or service.
We strongly advise you to read the terms of service and privacy policies of any third-party website or service that you visit.
Advertising
Healio.ng displays advertisements served by Google AdSense and potentially other advertising partners. We do not endorse any products or services advertised on our website. Any dealings you have with advertisers found on our website are between you and the advertiser, and we shall not be responsible for any loss or claim arising from such dealings. We comply with Google’s advertising policies, and we expect advertisers to do the same. If you encounter an advertisement that you believe is inappropriate, misleading, or in violation of applicable policies, please report it to us.
Termination
We reserve the right to terminate or suspend your access to Healio.ng at any time, without prior notice or liability, for any reason, including if you breach these Terms of Service. All provisions of these terms that by their nature should survive termination shall survive termination, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.
Governing Law
These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from or relating to these terms shall be subject to the exclusive jurisdiction of the courts of Nigeria.
Severability
If any provision of these Terms of Service is found to be invalid or unenforceable by a court of competent jurisdiction, that provision shall be severed from the remaining terms, which shall continue in full force and effect.
Entire Agreement
These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Healio.ng regarding your use of our website and supersede all prior agreements and understandings, whether written or oral.
Changes to These Terms
We reserve the right to modify or replace these Terms of Service at any time. When we make material changes, we will post the updated terms on this page and update the effective date. We encourage you to review these terms periodically. Your continued use of Healio.ng after any changes constitutes acceptance of the new terms.
Contact Us
If you have any questions about these Terms of Service, please contact us at:
Email: contact@healio.ng
Website: healio.ng/contact