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‘Withdraw Regulations On Customers’ Social Media Handles Or Face Legal Action’, SERAP Tells CBN

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Socio-Economic Rights and Accountability Project (SERAP) has urged Mr Folashodun Shonubi, Acting Governor, Central Bank of Nigeria (CBN) to “immediately delete the patently unlawful provisions in the Central Bank of Nigeria (Customer Due Diligence) Regulations directing banks to obtain information on customers’ social media handles for the purpose of identification.”

SERAP also urged him to “withdraw the Circular number FPR/DIR/PUB/CIR/007/076 of 20 June 2023 mandating banks and other financial institutions to implement and comply with the unlawful mandatory provisions on customers’ social media handles in the CBN Regulations.”

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According to Section 6(a)(iv) of the CBN Regulations, banks and other financial institutions “shall identify their customer and obtain information on the social media handle of the customer.” Section 6(b)(iii) contains similar provision.

In the letter dated 24 June 2023 and signed by SERAP deputy director Kolawole Oluwadare, the organisation said: “The CBN Regulations and directive to banks to obtain details of customers’ social media address violate Nigerians’ rights to freedom of expression and privacy. It is inconsistent and incompatible with the rule of law.”

SERAP said, “The CBN ought to contribute to the advancement of respect for the rule of law and human rights in the discharge of its statutory functions, and not undermine or violate these fundamental legal requirements and standards.”

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According to SERAP, “The purported mandatory requirement would inhibit Nigerians from freely exercising their human rights online. If obtained, such information may also be misused for political and other unlawful purposes.”

The letter, read in part: “We would be grateful if the recommended measures are taken within 3 days of the receipt and/or publication of this letter. If we have not heard from you by then, SERAP shall take all appropriate legal actions to compel you and the CBN to comply with our request in the public interest.”

“The mandatory requirement of social media handles or addresses of customers does not serve any legitimate aim. Such information may be used to unjustifiably or arbitrarily to restrict the rights to freedom of expression and privacy.”

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READ ALSO: SERAP Sues Tinubu Over ‘Failure To Probe Missing $2.1bn, N3.1trn of Subsidy Payments’

“SERAP is gravely concerned that the CBN Regulations and directive to banks and other financial institutions would impermissibly restrict the constitutional and international rights to freedom of expression, privacy and victims’ right to justice and effective remedies.”

“Requiring social media handles or addresses of customers as a means of identification would have a disproportionate chilling effect on the effective enjoyment by Nigerians of their rights to freedom of expression and privacy online.”

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“The CBN bears the burden of justifying any restriction on people’s freedom of expression and privacy. Under the Nigerian Constitution 1999 [as amended] and human rights treaties to which the country is a state party, any restrictions on these rights must be applied strictly so that the rights are not put in jeopardy.”

“There are other means of identification such as passport, driver’s licence, Bank Verification Number (BVN), and Tax Identification Number (TIN), which banks and other financial institutions already require their customers to provide.”

“The additional requirement of obtaining details of a customer’s social media handle or address fails to meet the requirements of legality, necessity, and proportionality.”

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“The requirement of necessity implies an assessment of the proportionality of the grounds, with the aim of ensuring that the excuse of ‘regulations on customer due diligence’ is not used as a pretext to unduly intrude upon the rights to freedom of expression and privacy.”

READ ALSO: Probe Missing $2.1bn, N3.1trn Of Subsidy Payments Or Face Legal Action, SERAP Tells Tinubu

“The CBN Regulation does not demonstrate how the use of social media handle or address as a means of identification would serve to improve banks and other financial institutions’ ability to implement and comply with the laws and regulations relating to customer due diligence.”

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“The Directive by the CBN, which does not in any event carry the force of law, also fails to provide any explanation as to how social media handles or addresses can facilitate compliance with regulations relating to customer due diligence.”

“Obtaining the details of customers’ social media handles or addresses would unduly interfere with the rights to freedom of expression and privacy. It would also be disproportionate to any purported legitimate aim that the CBN seeks to achieve.”

“The facts that there are sufficient means of identification for CBN, banks and other financial institutions to rely on to meet the requirement of Know Your Customer also heighten concerns of overreach, and confer far-reaching discretion on banks and financial institutions.”

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“Obtaining information on customers’ social media handles or addresses as means of identification is therefore more intrusive than necessary.”

“The cumulative effect of any attempt to access details of customers’ social media handles or addresses would be to undermine the letter, substance and spirit of the rights to freedom of expression and privacy of Nigerians.”

“The effective enjoyment of these fundamental rights constitutes a fundamental pillar for building a democratic society and strengthening democracy.”

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“The CBN fails to show how details of customers’ social media handles or addresses would assist banks and other financial institutions to effectively implement and comply with the laws and regulations relating to customer due diligence.”

“Human rights, the rule of law and democracy are interlinked and mutually reinforcing and central to the universal and indivisible core values and principles of the United Nations, the African Union and the Economic Community of West African States to which Nigeria belongs.”

“The CBN is bound to respect the constitutional and international human rights of Nigerians including the rights to freedom of expression and privacy.”

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“Under the principle of pacta sunt servanda and general principles governing the law of treaties, the CBN is also bound to uphold and apply in the discharge of its statutory functions the human rights treaties to which Nigeria is a state party.”

“Indeed, under international human rights law, all public or governmental institutions including the CBN are in a position to engage the responsibility of the State.”

“The positive obligations on Nigeria to ensure the rights to freedom of expression and privacy will only be fully discharged if individuals are protected against violations by institutions like the CBN.”

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“The Nigerian Constitution guarantees in Section 39 the right to freedom of expression and in Section 37, the right to privacy.”

“Article 19 of the International Covenant on Civil and Political Rights and Article 9 of the African Charter on Human and Peoples’ Rights also guarantee the right to freedom of expression. Article 17 of the Covenant also guarantees the right to privacy.”

READ ALSO: Fuel Subsidy: ‘Suspend Disbursement Of $800m Loan To FG’, SERAP Tells World Bank

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“Freedom of expression and opinion are indispensable conditions for the advancement of any person or society, as the free exercise of the right facilitates the evolution and exchange of opinions, in turn enabling principles of transparency and accountability crucial for the promotion and protection of human rights.”

“While under certain narrow circumstances, a State may restrict the right to freedom of expression, any such restrictions must be strictly limited and meet the conditions of legality (i.e. be “provided by law”), legitimate purpose, necessity, and proportionality. The CBN Regulations mandating social media handle or address as a form of identification for customers fail to meet these legal requirements.”

“In particular, Article 19(1) of the Covenant establishes the right to freedom of opinion without interference. Article 19(2) establishes Nigeria’s obligations to respect and ensure ‘the right to freedom of expression,’ which includes the freedom to seek, receive and impart information and ideas of all kinds, regardless of frontiers.”

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“Under article 19(3), restrictions on the right to freedom of expression must be ‘provided by law’, and necessary ‘for respect of the rights or reputations of others’ or ‘for the protection of national security or of public order (ordre public), or of public health and morals.”

“The principles of legality, necessity, and proportionality, apply to the right to privacy in the same manner as they do to freedom of expression and other fundamental freedoms.”

“Restrictions to the rights to freedom of expression and privacy that do not comply with the elements of legality, legitimate purpose, and necessity and proportionality shall be deemed unlawful.”
VANGUARD

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5% Fuel Surcharge: What Nigerians Should Know

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File Copy: Chairman of the Presidential Committee on Tax Policy and Fiscal Reforms, Taiwo Oyedele

Confusion has erupted online over a supposed 5% fuel surcharge under Nigeria’s new tax laws, with many fearing a sudden increase in fuel prices.

The chairman of the Presidential Committee on Fiscal Policy and Tax Reforms, Taiwo Oyedele, on Saturday through a post on X, clarified what is fact and what is fiction.

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The controversy arises from the recent passage of the Nigeria Tax Act, 2025, which consolidates and harmonises previous tax laws.

Some social media posts suggested that President Bola Tinubu’s administration had introduced a new surcharge on fuel, sparking public concern.

Oyedele clarified: “The charge is not a new tax introduced by the current administration. The provision already exists under the Federal Roads Maintenance Agency (Amendment) Act, 2007. Its restatement in the new Tax Act is for harmonisation and transparency rather than immediate implementation.”

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According to Oyedele, the surcharge is meant to fund road infrastructure, an area that has historically suffered from underfunding.

Over the years, Nigeria’s road network has faced chronic maintenance challenges, resulting in potholes, travel delays, and higher vehicle operating costs.

Oyedele further noted that the surcharge is intended to create a dedicated, predictable funding source for road construction and maintenance.

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READ ALSO:Nigerian Lawmakers Approve Tinubu Tax Reform Bills

Oyedele addressed key questions raised by citizens:

Will the surcharge start automatically in January 2026?

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No. It will only take effect when the Minister of Finance issues an order published in the Official Gazette:

“The surcharge does not take effect automatically with the new tax laws. It will only commence when the Minister of Finance issues an order published in the Official Gazette as stated under Chapter 7 of the Nigeria Tax Act, 2025. This safeguard ensures careful consideration of timing and economic conditions before implementation,” Oyedele stated.

Does it apply to all fuels?

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No. Household energy products such as kerosene, LPG, and CNG are exempt. Clean and renewable energy products are also excluded to support Nigeria’s energy transition agenda.

Why maintain the surcharge amid economic hardship?

Oyedele explained that the fund is meant as a dedicated mechanism for road maintenance:

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He said, “The surcharge is designed as a dedicated fund for road infrastructure and maintenance. If implemented effectively, it will provide safer travel conditions, reduce travel time and cost, lower logistics costs and vehicle maintenance expenses, which will benefit the wider economy. This practice is virtually universal with over 150 countries imposing various charges ranging between 20% to 80% of fuel products to guarantee regular investment in road infrastructure.”

Could subsidy savings cover road funding instead?

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The Chairman of theCommittee on Fiscal Policy and Tax Reforms said: “While subsidy savings will provide some funding, they are insufficient to meet Nigeria’s huge and recurring road infrastructure needs among other public finance needs. A dedicated fund ensures reliable and predictable financing for roads, complementing the budget and ensuring roads are not left underfunded.”

Does this contradict the tax reform objective of easing citizens’ burden?

READ ALSO:Tax Reform Bills Offer 55% To States In New Sharing Formula

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Oyedele reassured: “The reforms have already reduced multiple taxes and removed or suspended several charges that directly affect households and small businesses, such as VAT on fuel, excise tax on telecoms, and the cybersecurity levy. By harmonising earmarked taxes, government is reducing duplication and ensuring a more efficient tax system.”

Why not remove the surcharge entirely?

He clarified: “Yes, the surcharge has been removed from the FERMA Act and incorporated into the new tax laws which are designed to provide a forward-looking legal framework for Nigeria. Keeping this provision in place within a harmonised legal framework ensures Nigeria is prepared to address critical challenges, such as sustainable road financing and even climate change impacts. It is not about immediate implementation, but to ensure the law provides a clear and effective framework for when it becomes necessary in the future.”

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In summary, Oyedele stressed that the surcharge is not new, not immediate, and selectively applied. Its inclusion in the law is about transparency, preparedness, and sustainable funding for Nigeria’s roads, and it aims to address long-standing gaps in infrastructure financing.
(PUNCH)

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Scientists Find Proof That Breast Cancer Recurrence Can Be Eliminated

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In a medical breakthrough that could transform breast cancer care, scientists at the University of Pennsylvania have shown it’s possible to detect and destroy the “sleeper” cells that cause the disease to return years after treatment.

In a landmark clinical trial, researchers used existing, repurposed drugs to eliminate these hidden cells in most breast cancer survivors, pushing survival rates above 90 per cent. The findings, published in Nature Medicine, offer the strongest proof yet that breast cancer recurrence may no longer be inevitable.

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The principal investigator, Dr Angela DeMichele of Penn’s Perelman School of Medicine, said, “The lingering fear of cancer returning is something that haunts many breast cancer survivors. Our study shows that by targeting dormant tumour cells, we can prevent recurrence—and give survivors a real chance at a lasting cure.

“This changes the game. We finally have a proactive strategy—not just waiting for cancer to come back, but stopping it before it does,” DeMichele said.

The trial, known as CLEVER, enrolled 51 breast cancer survivors who had completed treatment but still harboured microscopic traces of dormant tumour cells, also called minimal residual disease (MRD). Standard scans cannot detect these cells, which can “wake up” years later and fuel incurable metastatic cancer.

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READ ALSO:Popular American Actor, Joe Marinelli Dies Of Stomach Cancer

Patients received either one or two study drugs, both already FDA-approved for other conditions. The results stunned researchers. Dormant tumour cells were cleared in 80 per cent of participants, and the three-year survival without recurrence exceeded 90 per cent for patients on single therapy and reached 100 per cent for those on combination therapy.

Further, only two patients have relapsed after more than three years of follow-up.

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This sleeper phase is the window where cancer is most vulnerable. explained senior author Dr Lewis Chodosh, chair of Cancer Biology at Penn. Surprisingly, drugs that don’t work against active tumours can be highly effective against dormant cells. That’s the key—we’re hitting cancer while it’s asleep,” explained senior author Dr Lewis Chodosh, chair of Cancer Biology at Penn. The trial builds on decades of Penn research uncovering how dormant breast cancer cells survive in the body, sometimes for decades, and what biological pathways sustain them. By targeting autophagy and mTOR signalling—mechanisms that help the sleeper cells persist—the researchers found a way to wipe them out before they reactivate.

The implications are profound. Until now, breast cancer survivors at risk of recurrence had little more than “watch and wait”. For the 30 per cent of patients whose cancer returns, the disease has been incurable.

READ ALSO:Marijuana Smokers Prone To Head, Neck Cancers — Study

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The Penn team is now preparing larger clinical trials to confirm the results and explore whether this approach can be applied to other cancers with similar dormant-cell behaviour.

For millions of breast cancer survivors worldwide, the research opens the door to a future where remission means freedom—not fear.

Delayed breakfast linked to early death for elderly

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How late you eat breakfast could be more important than you think. A major new study has revealed that older adults who push their first meal of the day to later hours face a higher risk of illness and even early death.

The research, published in Communications Medicine by scientists at Mass General Brigham and collaborators in Turkey, tracked nearly 3,000 people in the UK for more than two decades. The results were clear: as people age, breakfast and dinner times creep later, but those who delay breakfast are more likely to suffer from depression, fatigue, poor sleep, and declining health, and they die sooner.

Breakfast timing may be an easy-to-monitor marker of health in older adults,” said lead researcher Hassan Dashti, PhD, RD, of Massachusetts General Hospital.

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READ ALSO:How Australian Doctor Treated Own Brain Cancer With Personal Research Studies

Our findings show that late breakfasts are tied not only to health challenges but also to higher mortality. This gives fresh meaning to the saying that breakfast is the most important meal of the day.”

The team found that people genetically inclined to be “night owls” also tended to eat later, compounding risks as they aged. Meanwhile, those who stuck to consistent and earlier meal routines showed signs of healthier ageing and greater longevity.

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The findings could spark a rethink of popular diet trends such as intermittent fasting, which often encourages delaying the first meal. While the approach may benefit younger adults, the study suggests it could be harmful for seniors.

For doctors, families, and carers, the message is simple: watch the clock. A later breakfast may be more than just a habit – it could be a warning sign.
(VANGUARD)

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30-minute Exercise Slashes Cancer Cell Growth – Study

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A new study from Edith Cowan University (ECU) has revealed that just 30 minutes of vigorous exercise—either resistance training or high-intensity interval training—can reduce cancer cell growth by up to 30 percent. The research, led by PhD candidate Francesco Bettariga, focused on myokines, proteins released by muscles during exercise that possess anti-cancer properties.

The study found that a single workout session significantly boosted myokine levels, even in breast cancer survivors whose bodies have been compromised by treatment.

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Blood samples taken before, immediately after, and 30 minutes post-exercise showed a 20–30 per cent reduction in cancer cell proliferation due to the surge in myokines. While this effect has been observed in healthy individuals, Bettariga’s study is among the first to confirm similar benefits in cancer survivors.

READ ALSO:Frequent Ejaculation No Guarantee Against Prostate Cancer – Urologists

The research also explored how consistent exercise improves body composition, reducing fat mass and increasing lean muscle – key factors in lowering inflammation, a known driver of cancer recurrence and mortality.

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Fat tissue releases inflammatory markers that can fuel tumour growth and suppress immune function. Exercise, by reshaping body composition, helps neutralise this threat.

Quick fixes to reduce fat mass, such as dieting alone, would not have the same beneficial effects. Bettariga emphasised that weight loss without exercise fails to preserve muscle mass and does not stimulate the production of beneficial myokines.

READ ALSO:Marijuana Smokers Prone To Head, Neck Cancers — Study

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This study adds to a growing body of evidence positioning exercise as medicine – not just for prevention, but as a therapeutic tool during and after cancer treatment. With implications for treatment protocols worldwide, these findings could help redefine survivorship and recovery.

You never want to reduce your weight without exercising, because you need to build or preserve muscle mass and produce these chemicals, which you can’t do through just diet alone.

Whether you’re a cancer survivor or simply health-conscious, the message is clear: 30 minutes of sweat could be a powerful shield against cancer.

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