At The Habakkuk, we are dedicated to providing valuable consulting services to our clients. We understand that occasionally situations may arise that require clients to cancel or reschedule appointments. To ensure a fair and consistent approach to cancellations, we have established the following cancellation policy: 1. Cancellation Notice: Clients are requested to provide a minimum of one (1) business day's notice for any appointment cancellation or rescheduling. This notice should be communicated via email to ask.habakkuk@gmail.com or by contacting our office at +234 812 010 0600. 2. Cancellation Fees: If a cancellation or rescheduling is made within the required notice period, no cancellation fees will be charged. Cancellations or rescheduling made with less than one (1) business day's notice may be subject to a cancellation fee of 20% of the total consulting fee. 3. Late Arrival: We highly value our clients' time and that of our consultants. If a client arrives late for a scheduled appointment, the consultation will still end at the originally scheduled time. The full consultation fee will apply. 4. No-show Policy: If a client fails to attend a scheduled consultation without prior notice, the full consultation fee will be charged, and no refunds will be provided. 5. Emergency Situations: We understand that emergencies can happen. In the case of a genuine emergency that prevents a client from attending a scheduled consultation, we will consider waiving the cancellation fee. Clients are required to provide supporting documentation (e.g., medical certificate or official documentation) for consideration. 6. Consultant Unavailability: In the rare event that we must cancel or reschedule a consultation due to unforeseen circumstances, we will make every effort to provide advance notice. If a rescheduled appointment is not suitable for the client, we will refund the full consultation fee. 7. Payment Method: Any cancellation fees, if applicable, will be charged using the same payment method used for the initial consultation booking. 8. Client Responsibility: It is the responsibility of the client to confirm appointment details, including the date and time, prior to the scheduled consultation. 9. Policy Changes: This cancellation policy may be subject to updates or modifications. Any changes will be communicated to clients in a timely manner. By booking a consultation with The Habakkuk clients acknowledge that they have read, understood, and agreed to this cancellation policy. We recommend clients carefully review this policy before scheduling consultations. If you have any questions or require further clarification regarding our cancellation policy, please do not hesitate to contact us at ask.habakkuk@gmail.com or by contacting our office at +234 812 010 0600.

At The Habakkuk, we are committed to providing high-quality training programs to our participants. We understand that sometimes circumstances may arise that require you to cancel your enrolment. To ensure a fair and consistent approach to cancellations, we have established the following cancellation policy for our training programs: 1. Cancellation Deadline: Cancellations must be made in writing and submitted to ask.habakkuk@gmail.com no later than two (2) calendar days before the scheduled start date of the training program. 2. Refund Policy: If you cancel within the specified cancellation deadline, you will be eligible for a full refund of the registration fee, minus a non-refundable administrative fee of 20% or course fees. Cancellations received after the cancellation deadline will not be eligible for a refund, and the entire registration fee will be forfeited. 3. Substitution Policy: If you are unable to attend the training program after registering, you may request to substitute another participant from your organisation at no additional cost, provided the request is made in writing before the training program begins. 4. Rescheduling Policy: In certain cases, we may allow participants to reschedule their enrollment to a future session of the same training program, subject to availability. A rescheduling fee of 15% of the course fee may apply. 5. Cancellation by Us: We reserve the right to cancel a training program due to unforeseen circumstances, low enrollment, or other reasons. In such cases, participants will receive a full refund of the registration fee. We will make every effort to provide advance notice of any program cancellations. 6. No-show Policy: If you do not attend the training program and do not provide prior notice of cancellation, you will not be eligible for a refund or rescheduling. The entire registration fee will be forfeited. 7. Payment Method: Refunds, if applicable, will be processed using the same method of payment used for the initial registration. 8. Exceptions: Exceptions to this cancellation policy may be considered on a case-by-case basis for extenuating circumstances such as medical emergencies or other unforeseen events. Such requests must be submitted in writing and will be reviewed at our discretion. Please note that this cancellation policy is subject to change, and any updates or modifications will be communicated to registered participants in a timely manner. By enrolling in our training program, you acknowledge that you have read, understood, and agreed to this cancellation policy. We recommend that you carefully review this policy before registering for our training program. If you have any questions or need further clarification regarding our cancellation policy, please contact us at ask.habakkuk@gmail.com or at +234 812 010 0600.

By purchasing or participating in our courses and programs, you agree to the following terms and conditions. Please read these terms carefully before enrolling in the courses and programs. 1. Registration and Payment: Payment for the courses and programs is required in full before the commencement date. Your registration is not confirmed until payment is received and processed. We reserve the right to cancel your registration if payment is not received by the specified deadline. 2. Cancellation and Refund Policy: If you need to cancel your registration, you must notify us in writing no later than two (2) calendar days before the scheduled start date. Cancellations made within the specified cancellation period will be eligible for a full refund, minus a non-refundable administrative fee of 20% of the fixed course fee. No refunds will be provided for cancellations made after the specified deadline. Substitutions may be allowed if requested in writing before the training begins. Additional charges may apply for substituting participants. 3. Rescheduling: Participants may request to reschedule their training to a future session of the same courses and programs, subject to availability. A rescheduling fee of 20% of the fixed course fee may apply, and rescheduling requests must be made in writing before the training begins. 4. Training Content and Materials: All training content, materials, and resources provided are the intellectual property of The Habakkuk and are for personal use only. Participants may not reproduce, distribute, or share training materials without prior written consent. 5. Participant Conduct: Participants are expected to conduct themselves in a professional and respectful manner during the training. Disruptive behaviour, harassment, or any violation of our code of conduct may result in removal from the training without a refund. 6. Certification and Assessment: Certification criteria and assessment methods will be outlined in the courses and programs description. Participants who meet the certification requirements will receive a certificate of completion. 7. Liability: The Habakkuk is not liable for any injuries, damages, or losses incurred during or as a result of the training. Participants are responsible for their own safety and well-being during the training. 8. Changes and Cancellations by The Habakkuk: We reserve the right to cancel or reschedule courses and programs due to unforeseen circumstances, low enrolment, or other reasons. In such cases, participants will be notified, and options for rescheduling or receiving a refund will be provided. 9. Confidentiality: Participants are expected to respect the confidentiality of any proprietary or sensitive information shared during the training. 10. Policy Updates: These terms and conditions may be revised periodically. Any updates will be communicated to participants in a timely manner. 11. Governing Law: These terms and conditions are governed by and construed in accordance with the laws of the Federal Republic of Nigeria and any disputes shall be subject to the exclusive jurisdiction of the courts in the Federal Republic of Nigeria. By enrolling in the Courses and programs, you acknowledge that you have read, understood, and agreed to these terms and conditions. If you have any questions or require clarification, please contact us at ask.habakkuk@gmail.com or at +234 812 010 0600.

At The Habakkuk, we value and respect your privacy. This Data Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you engage with our consulting services and visit our website. By engaging with us, you consent to the practices described in this policy. 1. Information We Collect: We may collect various types of personal information from you, including but not limited to: Contact information (e.g., name, email address, phone number). Professional information (e.g., job title, company name). Payment information (e.g., billing address, credit card details). Communication and correspondence records. Website usage data (e.g., IP address, browser type, pages visited). 2. How We Use Your Information: We may use your personal information for the following purposes: To provide consulting services and fulfill contractual obligations. To communicate with you regarding our services, updates, and offers. To process payments and invoicing. To improve our website and services. To respond to your inquiries and requests. To comply with legal and regulatory requirements. 3. Data Sharing and Disclosure: We may share your personal information with third parties in the following circumstances: With your consent. To provide services on our behalf (e.g., payment processors, IT service providers). To comply with legal obligations or respond to lawful requests from authorities. In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity. 4. Data Security: We take data security seriously and employ reasonable measures to protect your personal information from unauthorised access, disclosure, alteration, or destruction. 5. Your Rights: You have the right to: Access and request a copy of the personal information we hold about you. Correct any inaccuracies in your personal information. Withdraw your consent (if applicable) for certain data processing activities. Request the deletion of your personal information under certain circumstances. Object to the processing of your personal information for direct marketing purposes. 6. Cookies and Tracking: Our website may use cookies and similar tracking technologies to enhance your browsing experience. You can manage your cookie preferences through your web browser settings. 7. Children's Privacy: Our services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors. 8. Changes to this Policy: We may update this Data Privacy Policy periodically. Any changes will be posted on our website with the revised effective date. 9. Contact Us: If you have any questions, concerns, or requests related to your personal information or this privacy policy, please contact us at ask.habakkuk@gmail.com or at +234 812 010 0600. We are committed to protecting your privacy and will make every effort to address your concerns promptly and responsibly. By engaging with The Habakkuk, you acknowledge that you have read, understood, and consented to this Data Privacy Policy.

At The Habakkuk, we are dedicated to providing our clients with high-quality consulting services. To ensure transparency and clarity in our billing and payment processes, we have established this Billing and Payment Policy. 1. Engagement Agreement: Before commencing any consulting services, a formal engagement agreement will be provided to the client. This agreement outlines the scope of work, deliverables, fees, and payment terms. Clients are required to review, sign, and return the agreement before work begins. 2. Fee Structure: Our fee structure may vary depending on the nature and complexity of the consulting services provided. Fees may be hourly, fixed project-based, or follow another mutually agreed-upon arrangement as outlined in the engagement agreement. 3. Payment Terms: Unless otherwise specified in the engagement agreement, invoices will be issued monthly for hourly-based consulting services or as specified for project-based services. Invoices are payable within seven (7) calendar days from the date of the invoice. Late payments may be subject to interest charges as outlined in Section 5 (Late Payment Charges) below. 4. Payment Methods: Clients may make payments using the following methods: Credit or debit card. Electronic funds transfer (EFT). Bank wire transfer. Cheques (subject to prior approval). 5. Late Payment Charges: If a client fails to make payment within the specified payment terms, late payment charges may be applied. The late payment charges will be calculated as 10% of the outstanding invoice amount per month until the balance is settled. 6. Dispute Resolution: In the event of a dispute concerning an invoice, the client should notify The Habakkuk in writing within seven (7) calendar days from the date of the invoice. Both parties will work together in good faith to resolve the dispute promptly. 7. Cancellation and Refund Policy: Please refer to our separate Cancellation and Refund Policy for details regarding the cancellation of services and associated refunds. 8. Termination of Services: In the event of non-payment, The Habakkuk reserves the right to suspend or terminate consulting services until outstanding payments are settled. Any expenses incurred due to such suspensions or terminations will be the responsibility of the client. 9. Taxation: All fees specified in our invoices are exclusive of any applicable taxes. Clients are responsible for any applicable sales, use, or value-added taxes (VAT) as required by local tax authorities. 10. Receipts and Records: Clients will receive a receipt or confirmation of payment for all invoices paid. It is recommended that clients maintain copies of their payment records for their records. 11. Confidentiality: All payment information provided by clients will be kept confidential and used solely for billing and payment purposes. 12. Policy Updates: This Billing and Payment Policy may be revised periodically to reflect changes in business practices and legal requirements. Clients will be notified of any updates. By engaging with The Habakkuk, you acknowledge that you have read, understood, and agreed to this Billing and Payment Policy. If you have any questions or concerns regarding the policy, please contact us at ask.habakkuk@gmail.com or at +234 812 010 0600.