RIBS - Real Integrated Benefits Scheme is owned by Integrated Benefits Limited (IBL).
Reusing, copying or published any of our services without proper permission is a voilation of the copyright law.
We respect the intellectual property rights of others, and require that those people who use our services do the same.

Cookies are small data files that websites can write to your hard drive when you visit them. Once written, the cookie can only be accessed by the site that originally created it. Our site uses cookies to store personal site preferences, session information, and ordering information specific to you (such as the contents of your shopping cart).

This website advertises the Services of Integrated Benefits Limited through it Product RIBS - Real Integrated Benefits Scheme, catering for both Nigerians and foreign visitors alike. Our services are as described with it supported and non-supported activities. We also provide a service booklet to further guide our subscribers. Please access at #.

We are available to further provide clarification via our contact page

We collect customer contact information from the registration form. We will never provide or sell any information to third parties.

This information can be used:

On completion of the registration form, you will be provided with a unique RIBS ID that will be to track your current subscription, renew your subscription and apply for benefits (Instant or Living Benefits).

All online transactions through our website are handled with industry-standard SSL (Secure Sockets Layer) encryption. Secure SSL means that when you enter your credit card number into our secure order form and press the purchase button, your information goes through a secure encryption process. This prevents any person on the Internet from seeing any information you submit. Your payment is authorized without human intervention.

Our services are on an individual basis and does not cover more than one person. Our services are also not transferable to another and only applies to the member bearing the name, photo and identification information in the member account details/record.

Subscribers found committing any fraudulent interpretation of our services so they can access benefits will be disqualified and deleted from our system. Additionally, engaging in activities not covered by the Real Integrated Benefits Scheme will be at the member's peril as no consideration whatsoever will be giving for such after due investigations.

After we have successfully received your subscription payment made using your Unique RIBS ID, your will receive an SMS/Email notification confirming same and informing you of your subscription validity with expiration date.

You may not sub-let, assign, or transfer this service to anyone irrespective of the circumstance unless in the event of Death where your next of kin will receive what ever benefits is due to you.

You may not claim intellectual or exclusive ownership to any of services published on this site, modified or unmodified.

Since IBL/RIBS is offering a non-tangible irrevocable goods, we do not issue refunds/exchanges once the order is accomplished and the SMS/Email notification is sent. As a customer you are responsible for understanding this upon subscribing for the Real Integrated Benefits Scheme on our site.

We are available to further provide clarification and support on any issue regarding the Real Integrated Benefits Scheme via our contact page

Our site might contains links to other sites. While we provide links to them, we are not responsible for their content, Terms of Use or Privacy Policies. We strongly recommend that you read the Terms of Use or Privacy Policy of the linked websites as they may contain further terms and conditions which apply to you.

Neither IBL/RIBS nor its partners, Content Providers/Carriers, HMO, Underwriters, Brokers, Dealers, Distributors, Sub Distributors, Commissioned Agents, Marketers, Technical Partners, Support Service Providers, Bankers, Marketers warrants that the service will be uninterrupted or error free; nor does RIBS, any third party content providers or their respective agents make any warranty as to the results to be obtained from the use of the service. The service and content are distributed on an "As is, as available" basis.

We can revise or change these Terms (in whole or in part) from time to time and at any time without notice to you.