Terms of Use
The basic rules governing access to DFKover and the services we provide.
Effective: 19 August 2026
1. About these Terms
These Terms of Use govern access to DFKover’s public website and, where applicable, the general use of DFKover’s digital services. Separate agreements may apply to transport operators, insurers, agents, partners and other platform users. Where a separate written agreement applies, that agreement may take precedence for the relevant relationship.
2. About DFKover
DFKover Technologies Limited provides technology and operational infrastructure for intercity road travel, including passenger manifests, trip records and insurance-distribution workflows.
3. DFKover is not an insurer
DFKover does not underwrite insurance. Insurance products made available through DFKover are provided or underwritten by appropriately licensed insurance partners and remain subject to the applicable policy wording, eligibility requirements, exclusions and insurer terms.
4. Using DFKover
You must use DFKover only for lawful purposes and in accordance with applicable agreements and instructions. You must not misuse the service, attempt unauthorised access, interfere with its operation, submit information you are not authorised to provide, or use the platform to facilitate unlawful activity.
5. Accuracy of information
Passengers, agents, operators and other authorised users are responsible for providing information that is accurate and complete to the best of their knowledge. Incorrect passenger, journey, vehicle or contact information may affect service delivery or an insurance workflow.
6. Insurance availability
The availability, price, scope and terms of insurance may depend on the insurer, product, journey, eligibility requirements and applicable arrangements. Displaying or initiating an insurance workflow does not itself guarantee that cover has been successfully issued. Users should rely on the relevant confirmation or policy evidence.
7. Driver benefits
DFKover’s driver-benefits layer is being developed. References to health benefits, financial services, vehicle services or other future benefits do not constitute a guarantee that a particular benefit is currently available or that any driver will qualify. Eligibility will depend on the relevant programme and partner terms.
8. Third-party services
DFKover may connect to services provided by insurers, communications providers, payment providers, transport operators and other partners. Those third-party services may be subject to additional terms, policies and availability conditions.
9. Intellectual property
DFKover’s website, software, branding, text, designs, workflows and other proprietary materials are owned by or licensed to DFKover unless otherwise stated. They may not be copied, modified, distributed or commercially exploited without appropriate permission.
10. Service availability
We aim to provide reliable services but do not guarantee uninterrupted or error-free operation. Services may occasionally be unavailable because of maintenance, connectivity, partner systems, technical failures or circumstances outside DFKover’s reasonable control.
11. Limitation of responsibility
To the extent permitted by applicable law, DFKover is responsible only for matters within its role and control. DFKover does not replace the contractual or regulatory responsibilities of transport operators, insurers or other independent service providers.
12. Privacy
Personal information is handled in accordance with DFKover’s Privacy Policy and applicable data-protection requirements.
13. Changes
DFKover may update these Terms as its services, partnerships or legal requirements change. The current version will be published on this website.
14. Governing law
These Terms are governed by the laws of the Federal Republic of Nigeria, subject to any different requirements contained in an applicable written agreement or mandatory law.