Effective Date: 14 August 2026
Last Updated: 14 August 2026
Website: https://myfloodguard.online/
Operator: Adepoju Oluwaseyi Sodade / FloodGuard Technologies Ltd
Registered Address: 15, Awolowo Road, Ikoyi, Lagos
Contact Email: info@myfloodguard.online
PLEASE READ THESE TERMS CAREFULLY BEFORE USING FLOODGUARD AI.
FloodGuard AI is an information, forecasting, mapping and decision-support platform designed to help users understand potential flood exposure, environmental conditions, weather conditions, route-related flood risks and other geographic information.
FLOODGUARD AI IS NOT AN EMERGENCY SERVICE, RESCUE SERVICE, GOVERNMENT WARNING SYSTEM, EVACUATION AUTHORITY, INSURANCE PRODUCT, ENGINEERING CERTIFICATION SERVICE, HYDROLOGICAL CERTIFICATION SERVICE, PROPERTY INSPECTION SERVICE OR SUBSTITUTE FOR PROFESSIONAL OR OFFICIAL ADVICE.
FloodGuard AI provides estimates and decision-support information based on available data and computational models. Actual conditions may differ materially from information displayed by the Platform.
NO FLOODGUARD AI RISK SCORE, WARNING, MAP, FORECAST, ROUTE ASSESSMENT OR PROPERTY ASSESSMENT IS A GUARANTEE OF SAFETY, ACCESSIBILITY, FUTURE CONDITIONS OR THE ABSENCE OF FLOODING.
Where an official emergency warning, evacuation order, road closure, government directive or instruction from an emergency authority conflicts with information provided by FloodGuard AI, the official instruction takes priority.
If you are in immediate danger, do not wait for FloodGuard AI. Take appropriate safety measures and contact the relevant emergency authorities.
For purposes of these Terms:
"FloodGuard AI," "FloodGuard," "we," "us" or "our" means Adepoju Oluwaseyi Sodade / FloodGuard Technologies Ltd, including its lawful successors and permitted assigns.
"Platform" means the FloodGuard AI website, applications, software, APIs, dashboards, maps, alerts, reports, databases, models, interfaces and associated services.
"User," "you" or "your" means any person or legal entity accessing or using the Platform.
"Consumer" means an individual acting primarily outside their trade, business or profession, where applicable under the law governing the relevant transaction.
"Services" means the information, analytical, mapping, forecasting, notification, routing, reporting and other services made available through the Platform.
"User Content" means information, photographs, reports, observations, comments, locations or other material submitted by users.
"Third-Party Services" means services, data, maps, APIs, weather systems, satellite systems, geocoding systems, traffic services, hosting services and other technology supplied by third parties.
By accessing or using the Platform, you agree to these Terms.
If you do not agree with these Terms, you must discontinue use of the Platform.
Where a feature contains additional terms, notices or consent requirements, those terms form part of your agreement with us to the extent permitted by applicable law.
If you are using the Platform on behalf of a company, government body, organisation or other legal entity, you represent that you have authority to bind that entity to these Terms.
FloodGuard AI may be accessible internationally.
However, the laws applicable to your use of the Platform may depend on:
Nothing in these Terms is intended to deprive a consumer of mandatory rights or protections that apply under the law of the jurisdiction that governs the relevant transaction.
Where a mandatory local law provides a consumer with rights that cannot lawfully be waived, those rights shall prevail over any inconsistent provision of these Terms.
FloodGuard AI is intended to provide information and decision-support tools relating to flood risk and environmental conditions.
The Platform may combine information including:
The combination and interpretation of these sources may change over time.
FloodGuard AI does not guarantee that any prediction, assessment, forecast, alert, score, classification or other output will be:
Flooding is a complex environmental phenomenon.
Actual conditions can change rapidly because of rainfall intensity, drainage capacity, tides, storm movement, water levels, infrastructure failures, blocked drainage, land use, construction, erosion, debris and other factors.
FloodGuard AI may classify locations using categories such as:
These classifications represent model outputs based on available information.
They are not guarantees.
A location classified as Low Risk may still flood.
A location classified as High Risk may not necessarily flood.
A risk score should therefore never be interpreted as a guarantee that a particular property, road, person, vehicle or community will or will not experience flooding.
DO NOT USE FLOODGUARD AI AS YOUR SOLE SOURCE OF SAFETY INFORMATION.
Users must consider:
If conditions appear dangerous, do not proceed merely because FloodGuard AI displays a favourable assessment.
FloodGuard AI does not replace official emergency systems.
Depending on location, relevant official authorities may include national, state, provincial, municipal, meteorological, emergency-management, police, transport or other competent authorities.
For users in Nigeria, official information from appropriate authorities, including relevant meteorological and emergency-management agencies, should take priority where applicable.
For users in other jurisdictions, the applicable local authorities should be followed.
FloodGuard AI does not guarantee that it will receive, interpret or display every official warning.
Flash floods and other rapidly developing hazards may occur with little warning.
A FloodGuard AI assessment may become outdated before a user views it.
Accordingly:
A current FloodGuard AI assessment does not guarantee current physical conditions.
Users must independently assess visible conditions and follow official warnings.
FloodGuard AI may provide features that assess flood risk along a proposed route.
These assessments are informational and algorithmic.
They do not constitute:
Road conditions can change rapidly because of:
Users remain responsible for deciding whether to travel.
FloodGuard AI may provide a feature that estimates flood vulnerability associated with a location or property.
Such information is strictly informational.
A FloodGuard AI property assessment does not constitute:
Before purchasing, renting, developing, insuring or making a substantial financial decision concerning property, users should obtain appropriate independent professional advice.
FloodGuard AI may use elevation, slope, water proximity, terrain and other geographic information.
Such information may originate from datasets that have varying levels of:
Terrain data should not be interpreted as a precise property-level survey.
Weather information may be obtained from third-party weather services, public datasets, satellite systems and other sources.
Forecasts are inherently probabilistic.
FloodGuard AI does not guarantee:
Satellite and remote-sensing information may contain:
Satellite-derived information should not be interpreted as equivalent to continuous street-level observation.
FloodGuard AI may incorporate mapping, routing, traffic or location information supplied by third parties.
Traffic and mapping information may be delayed, incomplete or inaccurate.
FloodGuard AI does not guarantee:
FloodGuard AI may rely upon information supplied by third parties.
We do not necessarily control the original collection, processing, publication, maintenance or availability of third-party information.
Third-party information may change without notice.
We are not responsible for errors originating solely from third-party information, subject always to any liability that applicable law does not permit us to exclude.
Certain Platform functions may use artificial intelligence, machine-learning systems, statistical algorithms or automated models.
AI-generated outputs may contain errors, omissions, unexpected results or incorrect inferences.
AI outputs are not inherently authoritative.
Where an output could materially affect your safety, property, finances or other significant interests, you should independently verify the relevant information.
FloodGuard AI does not represent that an automated model will always produce the same result for identical or similar circumstances where underlying data, models or algorithms change.
FloodGuard AI does not provide professional advice merely because the Platform produces an assessment.
Nothing on the Platform constitutes:
Professional advice should be obtained where appropriate.
You acknowledge that natural hazards involve risks that cannot be eliminated by technology.
You are responsible for:
FloodGuard AI may allow users to submit:
Community reports are treated as potential evidence or information sources and may not be independently verified.
A community report does not necessarily represent the views of FloodGuard AI.
By submitting User Content, you represent that:
You retain ownership of User Content to the extent you own it.
By submitting User Content, you grant FloodGuard AI a non-exclusive, worldwide, royalty-free, transferable and sublicensable licence, to the extent permitted by law, to host, reproduce, process, analyse, adapt, display and use that content for purposes reasonably connected with:
subject to applicable privacy and intellectual-property laws.
Where the law requires additional consent for a particular use, FloodGuard AI will obtain that consent where required.
We may remove, restrict, moderate or refuse User Content where reasonably necessary to:
We do not guarantee that all inaccurate or harmful User Content will be identified or removed.
You must not use FloodGuard AI to:
Unless otherwise stated, the Platform and its original materials are owned by or licensed to FloodGuard AI.
This includes, where applicable:
Except where permitted by law or authorised by us, you may not reproduce, distribute, modify, commercially exploit or create derivative works from proprietary Platform materials.
If you provide suggestions, ideas, recommendations or other feedback regarding FloodGuard AI, you grant us the right to use that feedback without compensation or restriction, to the extent permitted by law.
This does not transfer ownership of unrelated intellectual property that you already own.
FloodGuard AI's processing of personal data is governed by our separate Privacy Policy.
The Privacy Policy should be read together with these Terms.
Depending on the user's location and the circumstances of processing, applicable privacy laws may include the Nigeria Data Protection Act 2023, the EU/EEA GDPR, UK data-protection legislation, California privacy legislation, Australia's Privacy Act and other applicable national, state, provincial or territorial privacy laws.
The Nigeria Data Protection Act applies in circumstances including organisations operating in Nigeria and certain processing of data subjects in Nigeria.
The GDPR may also apply to an organisation outside the EU where it offers goods or services to people in the EU or monitors their behaviour there.
Nothing in these Terms replaces the Privacy Policy or any legally required privacy notice.
Where applicable, FloodGuard AI will seek to process personal data in accordance with applicable data-protection principles, including:
The Nigeria Data Protection Act expressly establishes lawful bases for processing, including consent, contract, legal obligation, vital interests, public interest and legitimate interests subject to statutory conditions.
Some Platform functions may process location information.
Location data may be:
Location information may be approximate.
Users should verify the relevant location before relying upon a location-specific assessment.
FloodGuard AI may use service providers located in different countries.
Where personal data is transferred across borders, we will apply the safeguards required by applicable data-protection law.
The specific mechanisms may differ depending on the user's jurisdiction.
FloodGuard AI may use cookies, local storage, pixels, analytics technologies and similar technologies for:
Where applicable law requires consent, appropriate consent mechanisms will be provided.
Cookie practices should be read together with the Privacy Policy and any applicable Cookie Notice.
FloodGuard AI is not intentionally directed toward children below the minimum age permitted under applicable law to provide consent to data processing or enter into the relevant transaction independently.
We do not knowingly seek to collect unnecessary personal information from children.
Where applicable law requires parental or guardian consent, such consent must be obtained.
If you believe a child has provided personal information to FloodGuard AI contrary to applicable law, contact us.
Nothing in this section removes any mandatory rights or protections applicable to children under local law.
FloodGuard AI seeks to make the Platform reasonably accessible to users with disabilities.
Accessibility requirements vary by jurisdiction and service type.
We will consider applicable accessibility obligations and reasonable measures where required by law.
If you experience an accessibility barrier, contact us so that we can investigate and, where appropriate, provide an alternative means of accessing relevant information.
We do not guarantee uninterrupted availability.
The Platform may become unavailable because of:
We take reasonable technical and organisational measures appropriate to the nature of the information and Services.
However, no internet transmission or digital system can be guaranteed to be completely secure.
You should not transmit information through the Platform that you are not authorised to disclose.
FloodGuard AI may provide alerts through:
Alerts may be delayed, interrupted, blocked, misclassified or not received.
Factors may include:
Never assume that failure to receive a FloodGuard alert means that no flood hazard exists.
By providing contact information, you agree that we may communicate with you concerning:
Marketing communications will be handled in accordance with applicable law and your available preferences.
FloodGuard AI will not intentionally use these Terms to deprive consumers of mandatory rights.
We will seek to provide material information in a clear and understandable manner.
The Platform's commercial claims should be accurate and reasonably substantiated.
This is particularly important for statements about predictive accuracy, "live" information, safety, flood protection, property vulnerability, geographic coverage and other material characteristics.
Nigeria's FCCPA prohibits false, misleading or deceptive representations and provides consumer protections concerning fair dealings and contractual terms.
We will seek to communicate material limitations that could reasonably affect a user's decision to use or rely upon a Service.
Important limitations may be displayed:
Where a limitation is particularly relevant to a high-consequence decision, we may display it directly beside the relevant feature.
FloodGuard AI does not represent that:
Marketing and product descriptions shall be interpreted consistently with these limitations.
If FloodGuard AI introduces paid Services, additional terms may apply.
Before charging a consumer, applicable law may require disclosure of information including:
Where applicable law provides a cooling-off, withdrawal, cancellation, refund or similar right, that right will not be excluded by these Terms.
For EU distance contracts, for example, consumer law includes specific pre-contractual information and withdrawal requirements in applicable circumstances.
If subscription Services are introduced:
Refunds and cancellations will be handled according to:
Nothing in these Terms is intended to remove a mandatory statutory refund, withdrawal, cancellation or remedy.
The Platform may use or integrate with third-party providers.
Examples may include:
Your use of those services may also be subject to their terms.
FloodGuard AI does not control all third-party services.
The Platform may contain links to third-party websites.
A link does not constitute endorsement or verification of the third party.
We are not responsible for third-party content, privacy practices, availability or security except where applicable law provides otherwise.
Where accounts are available, you are responsible for:
You must not share credentials where doing so violates applicable account terms.
We may suspend or restrict access where reasonably necessary to:
Where required by law, we will provide appropriate notice or procedural protections.
Termination does not automatically extinguish rights or obligations that by their nature should survive termination.
Sections concerning intellectual property, confidentiality, liability, dispute resolution, applicable law, User Content and other provisions intended to survive shall continue to the extent permitted by law.
To the maximum extent permitted by applicable law, FloodGuard AI shall not be responsible for losses caused solely by:
However:
Nothing in these Terms excludes, restricts or limits liability, rights or remedies that cannot lawfully be excluded, restricted or limited under applicable law.
Nothing in these Terms shall exclude or limit liability to the extent that doing so would be unlawful.
This includes, where applicable:
To the maximum extent permitted by applicable law, FloodGuard AI shall not be liable for indirect, incidental, special, exemplary or consequential losses arising from use of the Platform.
However, this limitation applies only to the extent permitted by the law governing the relevant claim.
Where a jurisdiction does not permit such limitation, the limitation shall be reduced or disregarded to the minimum extent necessary for lawful application.
Where permitted by applicable law, and subject to the exclusions above, FloodGuard AI's aggregate liability arising from a paid Service may be limited to the amount actually paid by the relevant consumer for that Service during the twelve months preceding the event giving rise to the claim.
Where the Service is provided free of charge, any liability cap shall apply only to the extent permitted by applicable law.
This provision does not limit any liability that cannot legally be limited.
If you are a consumer and mandatory law in your jurisdiction provides you with rights or remedies that are inconsistent with a limitation contained in these Terms, the mandatory rights or remedies shall prevail.
No provision of these Terms is intended to require a consumer to waive a mandatory legal right.
To the maximum extent permitted by applicable law, a user who uses the Platform for commercial purposes agrees to indemnify FloodGuard AI against third-party claims arising directly from:
This indemnity does not apply to the extent a claim is caused by FloodGuard AI's own conduct, negligence or other circumstance for which the user cannot legally be required to indemnify us.
Nothing in this section restricts mandatory consumer rights.
FloodGuard AI will not be responsible for delay or failure caused by circumstances reasonably beyond its control, including:
This provision does not remove rights or remedies that applicable law makes non-excludable.
We may modify:
Where a material change substantially affects a paid consumer Service, we will provide notice or other protections where required by law.
We may update these Terms when reasonably necessary because of:
For material changes affecting consumer rights, we will provide notice where required by applicable law.
The revised Terms will state their effective date.
These Terms are intended to operate across multiple jurisdictions.
Subject to mandatory local consumer protections, the relationship between FloodGuard AI and users shall be governed by the laws of:
FEDERAL REPUBLIC OF NIGERIA
without giving effect to conflict-of-law rules that would improperly displace mandatory consumer protections.
Nothing in the governing-law clause prevents a consumer from relying upon mandatory consumer protections that apply in the consumer's jurisdiction.
For example, where applicable, a consumer located in the EU, United Kingdom, Australia, Canada, California, Brazil, South Africa, India, China or another jurisdiction may have mandatory statutory rights that cannot lawfully be waived through these Terms.
Those rights remain unaffected.
Before commencing formal proceedings, the parties should make reasonable efforts to resolve disputes through good-faith communication.
A consumer may contact FloodGuard AI using the contact details below.
Nothing in this section:
Because FloodGuard AI may be accessed internationally, disputes may be subject to mandatory jurisdictional rules.
We will not interpret these Terms as requiring a consumer to travel to Nigeria or another country to exercise a mandatory consumer right where applicable law provides another forum.
Where EU/EEA consumer law applies, nothing in these Terms is intended to remove mandatory consumer protections relating to:
EU consumer contract terms must generally be transparent and fair; unfair terms in standard consumer contracts may be non-binding on the consumer.
Where UK consumer law applies, nothing in these Terms is intended to exclude mandatory rights under applicable UK consumer legislation.
Terms supplied to consumers must be interpreted consistently with applicable requirements concerning fairness, transparency, digital services and consumer rights.
Where Australian Consumer Law applies, nothing in these Terms is intended to exclude or restrict mandatory consumer guarantees or protections.
Australian consumer law can apply to overseas businesses supplying consumers in Australia in relevant circumstances, and unfair terms in standard-form consumer contracts can be prohibited.
Canadian consumer-protection law varies by province and territory.
Nothing in these Terms is intended to remove mandatory provincial or territorial consumer rights.
Applicable local consumer law may govern matters including:
United States federal and state laws may apply depending on:
Nothing in these Terms is intended to waive non-waivable rights under applicable federal or state law.
Where applicable, California privacy law may provide rights concerning personal information, including rights to know, delete, correct, opt out of certain sales or sharing, and limit certain uses of sensitive personal information.
These rights are addressed primarily in the Privacy Policy and applicable privacy notices.
Where Brazilian consumer or data-protection law applies, these Terms shall be interpreted subject to mandatory Brazilian legal protections.
Brazil's Consumer Protection Code establishes consumer-protection rules and applies to consumer relationships, while the LGPD governs applicable personal-data processing.
Where South African consumer law applies, nothing in these Terms is intended to remove mandatory consumer rights under applicable legislation.
The South African Consumer Protection Act includes protections concerning fair, reasonable and just terms and consumer dealings.
Where Indian consumer law applies, nothing in these Terms is intended to remove mandatory consumer protections.
Indian consumer legislation includes the Consumer Protection Act 2019 and regulations addressing e-commerce and misleading advertising.
Where Chinese law applies, FloodGuard AI will comply with mandatory requirements applicable to the relevant service and processing activity.
China's consumer-protection framework protects consumer safety, information rights, fair dealing and compensation rights, while the Personal Information Protection Law has extraterritorial provisions in specified circumstances.
Where Nigerian law applies, these Terms are subject to the Federal Competition and Consumer Protection Act 2018 and other applicable Nigerian laws and regulations.
The FCCPA protects consumers against false, misleading and deceptive representations and unfair dealings and regulates unfair, unreasonable or unjust contractual terms.
Where privacy or data-protection law provides mandatory rights that conflict with these Terms, the mandatory privacy or data-protection requirements prevail.
The Privacy Policy should identify the applicable controller, purposes of processing, lawful bases, retention, data sharing, international transfers and user rights.
FloodGuard AI may display information originating from governmental or institutional sources.
Displaying such information does not mean FloodGuard AI is:
Unless expressly stated otherwise, FloodGuard AI is an independent platform.
FloodGuard AI must not be represented as a government emergency service unless a formal governmental relationship exists and has been expressly disclosed.
References to public agencies are for informational purposes unless otherwise stated.
FloodGuard AI does not provide insurance against flood losses.
A risk assessment must not be interpreted as a representation that:
FloodGuard AI does not guarantee:
FloodGuard AI does not guarantee protection of:
The Platform is a decision-support tool and not a substitute for appropriate safety procedures.
Where permitted by law, electronic records of communications, transactions, consents and notices may be retained as evidence of those communications.
Users should retain copies of important transaction records and notices.
Legal notices may be delivered through:
Notices relating to material consumer rights will be provided in accordance with applicable law.
If a court or competent authority determines that a provision of these Terms is invalid, unlawful or unenforceable, that provision shall be limited or modified to the minimum extent necessary to make it lawful where permitted.
The remaining provisions shall continue to apply.
Failure to enforce a provision immediately does not constitute a waiver of that provision.
A waiver must be legally effective and applicable to the specific circumstance for which it is given.
FloodGuard AI may transfer its rights and obligations in connection with a merger, acquisition, restructuring, sale of assets or similar transaction, subject to applicable law.
A consumer's mandatory rights shall not be reduced by such transfer.
Except where expressly stated or required by applicable law, these Terms do not create enforceable rights for persons who are not parties to the relevant agreement.
These Terms, together with:
constitute the applicable contractual framework for use of the Platform, subject to mandatory law.
If there is a conflict between these Terms and a mandatory legal requirement, the mandatory legal requirement prevails.
If there is a conflict between these Terms and a feature-specific agreement, the feature-specific agreement governs that feature to the extent of the conflict, unless mandatory law provides otherwise.
We encourage users to contact us first so that we can investigate complaints.
Complaints may concern:
Complaint contact:
Email: info@myfloodguard.online
Address: 15, Awolowo Road, Ikoyi, Lagos
We will handle complaints in accordance with applicable law.
Nothing in these Terms prevents a consumer from:
By using FloodGuard AI, you acknowledge that:
⚠️ SAFETY WARNING
FloodGuard AI's route assessment is an algorithmic estimate based on available weather, terrain, mapping, traffic and other data.
Actual road and flood conditions can change rapidly and may differ from this assessment.
Never drive, walk or enter floodwater or a flooded road because FloodGuard AI has assessed the route as low risk.
Follow official emergency warnings, evacuation instructions and road-closure information.
You remain responsible for your travel and safety decisions.
⚠️ IMPORTANT PROPERTY NOTICE
FloodGuard AI's property assessment is an informational estimate based on available terrain, environmental, historical and other data.
It does not constitute a structural survey, engineering assessment, hydrological assessment, property inspection, valuation, title investigation or guarantee that a property will or will not flood.
Before purchasing, renting, developing or making a significant financial decision concerning a property, obtain appropriate independent professional and local-authority advice.
⚠️ ALERT LIMITATION
FloodGuard AI alerts are intended to provide additional information and are not guaranteed to be delivered, received, accurate, complete or timely.
Do not wait for a FloodGuard AI alert before taking action when conditions are visibly dangerous or an official emergency warning has been issued.
LOW RISK DOES NOT MEAN NO RISK.
A FloodGuard AI "Low Risk" classification means that the Platform's current model assessment is relatively lower based on available information.
It does not mean that flooding cannot occur.
FloodGuard AI
Legal Entity: Adepoju Oluwaseyi Sodade / FloodGuard Technologies Ltd
Registered Address: 15, Awolowo Road, Ikoyi, Lagos
Website: https://myfloodguard.online
General Contact: info@myfloodguard.online
Legal Notices: info@myfloodguard.online
Privacy/Data Protection: info@myfloodguard.online
Complaints: info@myfloodguard.online
Emergency: FloodGuard AI is not an emergency service. Contact the appropriate local emergency authorities when necessary.
Version: 1.0
Effective Date: 14 August 2026
Last Updated: 14 August 2026
Future versions may contain additional jurisdiction-specific provisions.
BY ACCESSING OR USING FLOODGUARD AI, YOU ACKNOWLEDGE THAT YOU HAVE HAD A REASONABLE OPPORTUNITY TO READ THESE TERMS AND THAT YOU UNDERSTAND THE IMPORTANT LIMITATIONS RELATING TO FLOOD FORECASTING, ROUTE ASSESSMENTS, PROPERTY ASSESSMENTS, WEATHER INFORMATION, MAPS, THIRD-PARTY DATA, AI-GENERATED OUTPUTS AND EMERGENCY SAFETY.
IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THE PLATFORM.
Nothing in these Terms removes or limits any right, remedy, warranty, guarantee, liability or protection that applicable law does not permit us to exclude or limit.
© 2026 FloodGuard Technologies Ltd. All rights reserved.