Terms and Conditions for Doclumina.org
Effective Date: September 23, 2025
Last Updated: September 23, 2025
Welcome to Doclumina.org (“Doclumina,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website and related services (collectively, the “Services”). By using Doclumina.org, you agree to comply with these Terms. If you do not agree, please discontinue use immediately.
1. Eligibility
You must be at least 18 years old to use our Services.
By accessing Doclumina.org, you confirm that you are legally capable of entering into a binding agreement.
2. Scope of Services
Doclumina provides a range of professional and support services for medical practitioners, including:
Mentorship programs (career guidance, exam prep, specialty training, non-clinical career paths).
Telehealth services (general practitioner consultations, referrals, and digital prescriptions).
Mental health support (confidential therapy, counseling, group sessions).
Financial support (including the “Survival Loan,” subject to eligibility and terms).
Educational resources (articles, webinars, training, and hospital reviews).
We may update, modify, or discontinue any Service at our discretion without prior notice.
3. User Responsibilities
You agree to:
Provide accurate, current, and complete information when registering or applying for services.
Use the Services only for lawful and intended purposes.
Maintain the confidentiality of your account details.
Avoid actions that may compromise the security, availability, or integrity of Doclumina.org.
4. Medical Disclaimer
Doclumina.org does not replace emergency medical services. In an emergency, call your local emergency number immediately.
Our telehealth and mentorship services are intended for guidance and support. Final decisions regarding your health, career, or finances remain your sole responsibility.
We do not guarantee specific outcomes from mentorship programs, consultations, or financial support.
5. Financial Disclaimer
Survival Loan and other financial services are subject to application, approval, and specific repayment terms disclosed separately.
By applying, you confirm that the information provided is truthful and agree to honor repayment obligations.
Doclumina is not responsible for financial losses caused by misuse of funds or non-compliance with repayment schedules.
6. Intellectual Property
All content on Doclumina.org—including text, graphics, images, videos, and software—is our intellectual property unless otherwise credited.
You may not reproduce, distribute, or exploit content without prior written consent.
7. Privacy and Data Protection
We collect and process your personal data in accordance with our Privacy Policy.
By using our Services, you consent to such data handling.
8. Payments and Refunds
Some services (e.g., mentorship subscriptions, telehealth consultations) require payment.
Payments must be made via approved methods listed on the Website.
All payments are non-refundable, unless required by law.
9. Third-Party Links and Services
Our Services may contain links to third-party platforms. We are not responsible for:
The content, reliability, or availability of external services.
Any damages or losses arising from third-party use.
10. Limitation of Liability
To the fullest extent permitted by law, Doclumina.org and its affiliates will not be liable for:
Any direct, indirect, incidental, or consequential damages arising from your use of the Services.
Losses related to mentorship outcomes, telehealth consultations, or loan usage.
11. Indemnification
You agree to indemnify and hold harmless Doclumina, its affiliates, employees, and partners from claims, damages, or expenses resulting from your use or misuse of the Services.
12. Updates to Terms
We may revise these Terms periodically. Updates will be posted here with a new “Last Updated” date. Continued use of the Services after changes indicates your acceptance of the revised Terms.
13. Termination of Access
We may suspend or terminate your account if you:
Violate these Terms,
Provide false or misleading information, or
Abuse our mentorship, telehealth, or financial services.
14. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria.
15. Contact Us
If you have questions about these Terms, please contact us: