Terms of Service

Credit Nigeria is an independent loan comparison and matching platform. We connect loan applicants with licensed lending institutions in Nigeria.

Credit Nigeria is NOT a lender. We do not originate, underwrite, fund, or service any loans. Our sole function is to match your application profile with lender eligibility criteria and facilitate the introduction between you and a lender you choose.

To use the Credit Nigeria platform, you must:

• Be at least 18 years of age
• Be a current resident of Nigeria
• Hold a valid Bank Verification Number (BVN)
• Have no more than one active loan application at a time on our platform

By submitting an application, you represent and warrant that you meet all of the above eligibility requirements.

When using our platform, you agree to:

• Provide accurate, current, and complete information in your loan application
• Maintain the confidentiality of your application access token and not share it with unauthorized persons
• Not submit duplicate or fraudulent applications
• Not provide false, misleading, or forged identity information (including BVN)
• Not attempt to circumvent any security measures implemented on the platform

Credit Nigeria does not require traditional user accounts with usernames and passwords. Instead, access to your application is managed through a unique, cryptographically generated UUID access token.

• Your access token is valid for 7 days from the date of application submission.
• The access token is included in all communication links (such as status check emails) and grants access to your application details.
• After token expiry, you will no longer be able to access your application through the platform. Contact us if you need to retrieve your application status after expiry.

By submitting a loan application, you explicitly consent to the following:

• Collection and processing of your personal data as described in our Privacy Policy
• Sharing of your application data with the specific lender you select from the matched offers list
• Credit checks and identity verification conducted by your selected lender
• Cross-border data transfers to third-party processors located in the United States, as detailed in the Privacy Policy
• Receiving transactional communications: By ticking the combined communications consent box on the application form ("I agree to receive information and loan offers from Credit Nigeria via e-mail, telephone, WhatsApp and SMS"), you consent to receive operational updates and reminders about your application. SMS is the primary channel for these messages and is delivered by BulkSMSNigeria.com Ltd, a Nigerian SMS gateway; email is the automatic fallback when SMS is unavailable. You may opt out of SMS at any time by replying STOP to any message we send.

Your consent is freely given, specific, informed, and unambiguous. You may withdraw consent at any time by contacting privacy@creditnigeria.com.

Credit Nigeria acts solely as a matchmaker between applicants and lenders. We are not a party to any loan agreement entered into between you and a lender.

• All loan terms, conditions, interest rates, fees, and repayment schedules are set exclusively by the lender.
• Credit Nigeria does not guarantee loan approval or any specific loan terms.
• Any disputes regarding a loan must be resolved directly between you and the lender.
• Credit Nigeria does not endorse, recommend, or guarantee the conduct, reliability, or creditworthiness of any lender partner.

All content, design, logos, trademarks, software, algorithms, and technology comprising the Credit Nigeria platform are the exclusive property of Credit Nigeria and are protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any of our intellectual property without our express written permission.

To the maximum extent permitted by applicable law, Credit Nigeria shall not be held liable for:

• Decisions made by lender partners regarding your loan application (approvals, rejections, terms offered)
• Loan terms, interest rates, fees, or any other conditions imposed by a lender
• The accuracy, completeness, or reliability of information provided by lender partners
• Service interruptions, downtime, or technical failures beyond our reasonable control
• Failures or outages of third-party services (including Mono, Supabase, OpenAI, Cloudflare, Resend, BulkSMS Nigeria, Upstash, and Vercel) -- including SMS delivery delays or failures attributable to Nigerian Mobile Network Operators (MTN, Glo, Airtel, 9mobile)
• Any indirect, incidental, special, consequential, or punitive damages arising from your use of the platform

The Credit Nigeria platform is provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied.

We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. We will make reasonable efforts to provide advance notice of any significant service changes.

You agree not to:

• Use automated tools, bots, scrapers, or scripts to access or interact with the platform
• Submit false, misleading, or fraudulent information in any application
• Submit applications on behalf of another person without their explicit authorization
• Attempt to reverse-engineer, decompile, or disassemble any part of the platform
• Attempt to bypass security measures, including CAPTCHA, rate limiting, or access controls
• Use the platform for any purpose that is unlawful or prohibited by these terms

You agree to indemnify, defend, and hold harmless Credit Nigeria, its officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the platform
• Your violation of these Terms of Service
• Any false, inaccurate, or fraudulent information provided by you
• Your violation of any applicable law or regulation

These Terms of Service shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to any conflict of law principles.

In the event of any dispute arising from or relating to these Terms of Service or your use of the platform, the parties agree to the following resolution process:

1. Good-faith negotiation: The parties shall first attempt to resolve the dispute through direct, good-faith negotiation within 30 days of written notice of the dispute.
2. Mediation: If negotiation fails, the parties shall submit the dispute to mediation under the rules of an accredited mediation body in Nigeria.
3. Litigation: If mediation fails, either party may pursue the dispute in the courts of the Federal Republic of Nigeria.

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Credit Nigeria regarding your use of the platform. These terms supersede any prior agreements, communications, or understandings, whether written or oral, relating to the subject matter herein.

If you have any questions about these Terms of Service, please contact us at:

• Email: legal@creditnigeria.com