Personal Information Disclosure

We cherish our relationship with you, and we are committed to protecting the privacy, confidentiality, accuracy and security of your personal information that we collect, use, retain and disclose in our efforts to provide you with excellent services. This Privacy Policy outlines the responsibility of Voyager Advisory (“we”, “our”, “us”), and your rights as our applicant, client, former client or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.

Your Personal Information

Voyager Advisory understands that trust is an important factor in our relationship, and at Voyager Advisory, we take this very seriously. Protecting your privacy and the confidentiality of your personal information is a fundamental part of our responsibility to you. Clients of Voyager Advisory are entitled to a high degree of care in the handling of their confidential information through our policies and procedures as well as state-of-the-art equipment and computer security measures. We ensure that your privacy and the confidentiality of your information are protected. The personal information you provide to Voyager Advisory (or which the firm collects with your consent) with respect to your account application will be protected and maintained in a client file with Voyager Advisory. The key components of the firm’s policy are as follows:

• The client’s knowledge and consent are required before an employee/agent may collect, use or disclose a client’s personal information.
• If any of the personal information collected is sensitive, such as health information, Voyager Advisory must obtain additional written or oral consent from the client before using or disclosing the information.
• Voyager Advisory shall use care when storing or destroying the client’s personal information to prevent unauthorized access.

Our privacy policy, which includes important definitions and details on how we use your information, is provided below.

What is Personal Information?

The term “personal information” refers to any information that specifically identifies you, including information such as your home address, telephone numbers, national identification number, social security number, social insurance number, date of birth, assets and/or income information, employment history and credit history.

How are we accountable?

Voyager Advisory is responsible for your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented to us collecting, using and disclosing your personal information.

Why do we do it?

We collect, use, and disclose personal information to provide you with the advisory / consultancy services of Voyager Advisory. Specifically, we collect, use and disclose your personal information to:

• Verify your identity and correct your personal information;
• Determine your eligibility for Voyager Advisory services, and for products or services that may be of interest to you from business partners with whom we have formed an association, and offer you these products and services, as well as analyze the suitability of our services or planning solutions for you.

• Accuracy: Voyager Advisory will keep personal information as accurate, complete and up-to-date as is necessary for the purposes for which it is to be used. Voyager Advisory will minimize the possibility that inappropriate information is used to decide about the individual.
• Safeguards: Voyager Advisory will protect personal information using security safeguards appropriate to the information’s sensitivity.
• Openness: Voyager Advisory will be transparent about its policies and procedures regarding the management of personal information. Voyager Advisory will ensure that individuals can obtain information about the firm’s policies and procedures without undue effort. Voyager Advisory will make this information available in a form that is generally understandable.
• Individual Access: Upon a written request, Voyager Advisory will inform the individual of the existence, use, and disclosure of their personal information, and the individual will be given access to that information, except where the law requires or permits Voyager Advisory to deny access.
• Questions and Concerns: An individual may direct a challenge regarding compliance with the above principles to Voyager Advisory’s Privacy Officer.

When produced, updated versions of this Privacy Policy can be obtained from your advisor, the compliance department or you can direct any queries about this policy to Voyager Advisory’s Privacy Officer at the telephone, e-mail address, or mailing address listed below. If your complaint is justified, we will take the necessary steps to resolve the issue, including amending our policies and practices, if necessary. If we are not able to resolve your concern, or if you have any other concerns about Voyager Advisory’s Privacy Policy and procedures, you may contact the office of the Nigeria Data Protection Commission. Voyager Advisory Privacy Officer will provide you with this contact information upon request.

Contact Information

For more information, to file a privacy complaint, to make inquiries or to opt out of all or parts of this Policy, please contact us at: Voyager Advisory Ltd. G14, Engr. Yusuf Sule Street, Ikota, Lagos, 101245, Nigeria. Attention: Privacy Officer Tel: +234 806 011 1186 Email: ik@thevoyagerway.com

Legal Notice and Terms & Conditions

Agreement to Terms

You acknowledge that by visiting, accessing and or using this web site that, you agree to be bound by the terms and conditions of its use.

Governing Law and Jurisdiction

This website shall be governed by the laws of the Federal Republic of Nigeria, and you voluntarily agree to submit to the jurisdiction of the courts of the Federal Republic of Nigeria.

Website Information and Warranties

The information on this website does not constitute the official version of our disclosure documents and may not always be current. The website and access to it is provided strictly on an “as is” and “as available” basis without any warranties of any kind. The information contained in this website is collected from sources believed to be reliable, but the accuracy and completeness of the information is not guaranteed.

Limitation of Liability

In no event will Voyager Advisory Ltd. assume any responsibility or liability for the accuracy or losses caused by the use or misuse of this website or reliance on the information or content therein, including direct, indirect, special, incidental, consequential, exemplary or punitive.

Intellectual Property

Unless otherwise noted, Voyager Advisory Ltd. is either the owner or licensed user of the copyrighted material on this website. The Voyager Advisory Ltd’s name, logo, brand names and all other trademarks are the property of, or licensed to, Voyager Advisory Ltd. and unauthorized use is strictly prohibited.

Not Financial or Legal Advice

The information offered on this website is not intended to provide any specific wealth planning, tax, legal or accounting advice. The information offered on this website is not to be considered an offer to buy, sell or a solicitation of any kind to buy or sell any security, derivative, or any other investment product or service.

Electronic Communications and Security

Without secure encryption, this website is not a secure medium for electronic communications. Confidential use of this website cannot be guaranteed. You there for acknowledge that any confidential information transmitted by a user utilizing this medium may be read and/or copied by unauthorized individuals. Voyager Advisory Ltd. assumes no responsibility or liability for any harm that may occur in connection with any breach or hack that may compromise personal information transmitted through this website. Be advised that trading instructions should not be communicated via email, and if any such instructions are received, they will not be acted on.

Use of Cookies

Voyager Advisory Ltd. reserves the right to use cookies on this website. Cookies are small, harmless data files that websites can write to your hard drive when you visit them. A cookie can include a user ID that the site uses to track the pages you visit. Cookies may also be used to enhance your experience on the website, to determine user traffic patterns and for other purposes. Cookies can be removed from your browser at any time by accessing the Safety tab in your browser and deleting your browser history.

User Responsibility and Communications Monitoring

It is the user’s responsibility to take all necessary precautions, including scanning for viruses and other malware. All internet email messages and their attachment received and sent through the facilities of this website and the computers used by all employees, agents and advisors are subject to review by supervisory personnel. Such communications are retained, and we may be required to produce them to our regulatory authorities. All products and services provided by Voyager Advisory Ltd. are subject to the terms and conditions of the applicable agreements governing their use.

Conflict of Interest Policy

Conflicts of interest—whether actual, potential, or perceived—may arise in any interaction with individuals or organizations. Our relationship with you is no exception. Voyager Advisory operates as a wealth consulting and advisory firm, offering a range of services to individual and institutional clients. By definition, this business model exposes us to more potential conflicts of interest than many other types of business activities. For instance, we may sometimes advise both sides of a transaction—the buyer and the seller. Conflicts of interest generally fall into three categories:

1. Conflicts between you and Voyager Advisory
2. Conflicts between you and other Voyager Advisory clients
3. Conflicts between Voyager Advisory and our related or associated companies

Managing Conflicts of Interest

At Voyager Advisory, we address and manage conflicts of interest through three primary methods:

1. Avoidance: We avoid conflicts prohibited by law or those that cannot be effectively managed.
2. Control: Acceptable conflicts are managed by segregating business functions and restricting internal information sharing.
3. Disclosure: We provide clear and timely information about conflicts to enable you to independently assess their significance when evaluating our recommendations and actions.

For material conflicts that are unavoidable and reasonably foreseeable, we address them in your best interest and disclose them promptly—either at account opening or as they arise. This disclosure will occur before or when making recommendations or facilitating transactions, allowing you reasonable time to assess the implications.

Additional Information

The following information is intended to help you understand and assess potential or actual conflicts of interest and how we manage them. However, this is not an exhaustive list, as conflicts can vary depending on the circumstances. If you have questions or concerns about conflicts of interest or any other matter, please do not hesitate to ask us for further explanation or additional details.

Possible Conflicts of Interest and How They Are Managed

Compensation for Products and Services

• All fees, commissions and other compensation are disclosed to you in advance so you understand what you are paying.
• We offer various pricing options depending on the type of consultancy or advisory service we are rendering to you.
• Our firm policies require us to provide only “suitable” recommendations to you.

Related Entities and Connected Issuer Disclosure

• Under certain circumstances, Voyager Advisory may deal with you or for you in transactions where the issuer or counterparty is related to us. This will be disclosed to you ahead of any decision or recommendation.

Investment Research

• If we provide research on securities of companies with which we have other business relationships, we will disclose any potential conflicts of interest in our reports.

Proprietary Trading

• Voyager Advisory does not currently engage in proprietary trading.
• If we begin proprietary trading, information barriers will be established to separate corporate trading activities from advisory services. Client advice on securities will always take priority over firm or employee trades.