Terms of Service & Financial Disclaimer

Last updated: 15 November 2026 (Lagos)

1. About the service

PathwayGate.com ("PathwayGate", "we") is an opportunity verification and advisory platform. We list jobs, scholarships, grants and regulated lenders, and offer paid application support such as CV revamps, Statement of Purpose writing and business-plan preparation.

2. Financial disclaimer

• PathwayGate is not a bank, lender, microfinance institution or loan app. We do not give loans, hold deposits or process loan applications.
• PathwayGate is not an embassy, visa-issuing authority, employer or university. We cannot issue visas, admissions, scholarships, grants or job offers.
• Loan calculator results are estimates only. Final rates, fees and terms are set by each lender.
• Nothing on this site is financial, legal or immigration advice. Please confirm details with the official provider before applying or borrowing.

3. No guarantee of outcome

No job-placement or visa fees: PathwayGate does not charge job-placement fees or visa fees. Optional paid products and services cover DIY templates, document drafting, review and advisory support only. Official government, embassy, university or lender charges, if any, are set by those organisations and must be verified and paid through their official channels, not to PathwayGate as a placement or visa agent.

Our paid services improve the quality of your application but cannot guarantee a job, admission, scholarship, grant, loan or visa. Decisions are made solely by the provider.

4. Third-party links

Listings link to external websites we do not control. We are not responsible for their content, availability or practices. Sponsored or featured partner placements are clearly labelled.

5. User responsibilities

You agree to provide truthful information, not misuse the site, and never pay upfront "processing fees" to anyone claiming to act for PathwayGate. Report suspicious requests to email@pathwaygate.com.

6. Paid services

Service prices are agreed on WhatsApp before work begins. Refunds, if any, are agreed case by case before payment.

DIY kits are independent resources and are not endorsed by Chevening, Commonwealth, SMEDAN or the Tony Elumelu Foundation. Essay examples must be personalised and must not be submitted as someone else's original work. Toolkit fulfilment currently takes place through external checkout arrangements and WhatsApp; this website does not verify payment or issue automatic downloads. Confirm contents, availability, delivery terms and refund rights before paying. Nothing in these terms limits rights that cannot be excluded under applicable law.

7. Limitation of liability

To the extent permitted by Nigerian law, PathwayGate is not liable for losses arising from your use of third-party offers listed on the site.

8. Changes and contact

We may update these terms; the date above shows the latest version. Questions: email@pathwaygate.com.