We kindly ask that you carefully read these terms of use. You confirm that you have read, comprehended, accepted, and agreed to these Terms of Use by registering for or using any part of the NiNiMoney service. Both an end-user licensing agreement and an electronic financial service are subject to these Terms of Use. If you disagree with the terms of use, you are not permitted to access or use any part of the website. Through these Terms of Use, you, as an individual user ("you" or "your"), and NiNiMoney ("we," "us," or "our") enter into a binding contract.

The day these Terms of Use, along with any updates or changes that follow, become operative is known as the promulgation date.

By signing this paper, you confirm that you agree to the following:

2.1 By agreeing to these terms, you acknowledge that they bind you and that you will carry out your obligations in line with them.

2.2 You acknowledge that you have read and agree to abide by these Terms of Use and all applicable laws. You also understand that it is your responsibility to notify us of any violations of the previously mentioned rules.

2.3 The system and service must only be used for valid reasons and in line with their stated objectives.

2.4 You are in charge of making sure that all of the login credentials, supporting documentation, and private information you give us or via the system are correct, comprehensive, up-to-date, and fraud-free.

2.5 Only approved accounts and internet access points are permitted access.

2.6 You are not allowed to act dishonestly or in any other way.

2.7 Interfering with or endangering the network that the system is connected to and runs on is strictly forbidden.

3.1 You confirm that you have read and understand these Terms of Use in their entirety by downloading, streaming, or registering with us. We reserve the right to modify these Terms of Use at any time. These agreements shall govern the usage and operation of the app and account.

3.2 You will be considered to have accepted these terms of use and to be bound by them after installing the app and clicking the "Accept" icon on our system.

3.3 You accept and agree to the Terms of Use, which govern how the account is used, by installing the application and creating an account. You further attest that any other legal or equitable rights we may have with respect to the account are unaffected by this agreement.

3.4 These circumstances could change at any time. By using the service going forward, you attest that you accept these changes and their terms. You will be informed of any changes in a fair and appropriate way.

3.5 The program may occasionally be enhanced via the website. You might have to download or stream the most recent version of the app and accept any new terms and conditions of these terms of use before you can use the service, depending on the update.

3.6 By using the App or any of the services, you agree that technical data about the mobile device and any related hardware, software, and accessories may be collected and used to deliver internet-based or wireless services. Making use of this data improves the products and services we provide. You give us, our affiliates, and licensees permission to send, collect, store, process, and use your data to improve our service, your app experience, and/or our credit scoring services.

3.7 You expressly give us permission to contact you and your emergency contact, if they have given their approval, to verify your information in the event that we are unable to reach you through other channels or if we have not yet received payment for the loan mentioned in this Clause 9.

4.1 Only those who are at least eighteen years old are eligible for our service. To verify the legitimacy and current condition of your account, we retain the right to get in touch with the relevant mobile money provider.

4.2 The application will notify you if your account application is accepted or denied. With the possible exception of some limitations and restrictions that might occasionally apply to your account, you also understand and agree that the approval of your account application does not create a contract between you and the mobile money providers.

4.3 At our sole and final discretion, your loan application may be denied or withdrawn at any time without giving you a reason or prior notice.

4.4 Based on our continuous assessment of your credit profile, we retain the right to accept, reject, or alter the terms of any loan. The conditions and interest related to each loan application will be shown on the form.

Every right is reserved and given.

5.1 In order to benefit from the service we provide, you are granted a revocable, limited, non-exclusive, non-transferable, royalty-free license by us and our licensors (if any) to access and use the system for your personal use only, as long as you follow the Agreement and these Terms of Use.

5.2 All rights not specifically granted to you under these Terms of Use are reserved by us and our licensors, if any. You do not acquire any complete or partial ownership rights over the system under these Terms of Use.

5.3 You are not allowed to:

5.3.1 to sell, resell, transfer, assign, distribute, sublicense, or utilize in any other manner for profit, or to make the system accessible to any third party.

5.3.2 access or reverse engineer the main program, alter or create derivative works of the system;

5.3.3 Copying any ideas, features, functions, or graphics from the system; attempting to gain unauthorized access to the system or related systems or networks; using the system to develop a rival product or service; starting an automated program or script that might generate a lot of server requests in a single second, or that unduly burdens or impedes the system's functionality; or reproducing any of these actions.

5.3.4 To extract, index, "data mine," or replicate the system's presentation, content, or navigational structure, use any software or application.

5.3.5 Remove any copyright, trademark, or other proprietary rights notices from the system, or post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent.

5.3.6 disseminate, hold onto, or control any content in order to engage in illegal or immoral behavior;

5.3.7 spread unsolicited communications (such as spam) or make false claims, enrage, or annoy;

5.3.8 Distribute or preserve any tortious or unlawful content, such as information that is threatening, defamatory, offensive, or infringing.

5.3.9 distribute information that includes malicious programs, files, agents, scripts, trojan horses, worms, or software infections.

5.3.10 It interferes with or makes it more difficult for the system or its data to function.

5.3.11 Misrepresent their affiliation with an individual or group;

5.3.12 intentionally giving a false address; or

5.3.13 Any substantial personal information that could influence our choice to work with you in the future is generated by

5.3.14 damage the reputation of our business or any group business;

5.3.15 Try to decipher any transmissions to or from the servers hosting any service, or try to gather or harvest any data or information from our systems or any service.

6.1 You must first create and maintain an account as an App user in order to use the system as a user.

6.2 Everything that happens on your account is your responsibility. It's you.

6.2.1 You only need one account.

6.2.2 It is your responsibility to protect the integrity and confidentiality of the information linked to your account.

6.2.3 Giving your account, any of your data, or even the account itself to another person is illegal.

6.2.4 If you believe someone else has entered or used your account without authorization, kindly notify us right away.

6.3 We reserve the right, in addition to our other rights and remedies, to limit or remove access to your account and/or the App's functionality:

6.3.1 We have the sole authority to take action if we find that you have broken any of these conditions of use.

6.3.2 while an investigation is underway;

6.3.3 If any payment, including taxes, principal, interest, service fees, or other sums, is due from us or any of our group companies;

6.3.4 If for any reason these Terms of Use are terminated; or

6.3.5 at any other point, as long as it aligns with our logical conclusion.

7.1 By using the system, you give us the unalienable right to reply to any requests you send us or that you might believe are from you. You are responsible for any such acts.

7.2 Regardless of whether you have already received a loan from us, we retain the right to deny any request you make about a loan application.

7.3 For whatever reason, if we feel, at our sole discretion, that the information can be processed without your assistance, we may accept and proceed with any incomplete or ambiguous request.

7.4 Even if the request was made, sent, or otherwise communicated in an untruthful or dishonest way, we shall nevertheless be deemed to have acted appropriately and fulfilled all of our duties to you. If you gave us the right directions, you will be in charge of our earnest responses to requests.

7.5 Until you give us more details or confirmation (whether in writing or not), we reserve the right to not act upon or comply with all or any portion of your request.

7.6 If you permit us to carry out all or a portion of your requests, you agree to release and indemnify us from any claims, losses, damages, costs, and expenses that may result from our failure to use the discretion that has been granted to us or from our fulfillment of those requests.

7.7 You acknowledge and agree that, regardless of whether your carelessness was the reason, we will not be responsible for any unauthorized withdrawal, transfer, remittance, disclosure, activity, or incident on your account that results from your knowledge and/or use or manipulation of your account PIN, password, ID, or any other means. This is in line with the maximum amount allowed by the relevant laws.

7.8 In compliance with current legislation, we are permitted to carry out any orders relevant to your account that may be required by a court order, an organization, or a competent agency.

Any requests you make will be superseded by these Terms of Use in the case of a dispute.

8.1 Because your mobile device is necessary to access the system and the service, you are in charge of keeping it secure and functional. This is entirely your fault.

8.2 You are in charge of ensuring that your mobile device is operating at peak efficiency. Specifically, we disclaim any liability for computer viruses and other problems that may occur when using the system, service, or mobile device. Furthermore, we disclaim any liability for errors or problems resulting from a malfunctioning device. We don't cover any losses or delays brought on by the service provider that offers your network connection, so you are responsible for any related costs.

8.3 A mobile device can be used to access the application. It is your duty to confirm that the app you downloaded is compatible with your mobile device. If the app isn't compatible with your device or you don't have the most recent version loaded, we won't be held accountable.

8.4 You must contact us immediately and adhere to our instructions if your mobile device is lost, stolen, damaged, or no longer in your possession and this affects our legal rights and/or remedies in any other way, including giving your account information and credentials to a third party. If a third party steals your login credentials and account information, we won't be held accountable. By using your account information and login credentials, you consent to indemnify us for any resulting losses and to hold us harmless.

8.5 Choosing a suitable internet and mobile plan and paying any fees your mobile service provider may charge for SMS, internet data, and phone costs are your responsibilities. You agree to pay for any related costs and usage, and you understand that the system may use a lot of data while you are using it.

8.6 By using the system and the service, you consent to abide by all guidelines, policies, and instructions contained in these Terms of Use and any additional materials we may offer.

8.7 You are in charge of putting in place the required security measures to prevent any unauthorized system use. As a result, you or a representative must immediately review and validate every correspondence we send. This will guarantee that any unapproved usage or access to the system will be detected. You need to get in touch with us right away if any of the following happens:

8.7.1 You have cause to believe that there has been or may be unauthorized use of the service, or that a transaction may have been fraudulently entered or compromised.

8.7.2 You are in charge of following any security protocols that we may occasionally alert you to, in addition to any other protocols that might be relevant to the service. You are aware that failing to follow the suggested security procedures could jeopardize the privacy of your account. You are specifically in charge of making sure that only people with permission can access the service, submit requests, or do any associated duties.

Interest and service charges

9.1 The interest you must pay on each loan will be shown on the application. We reserve the right to change or permanently adjust our service prices during this time, as well as to establish and collect service fees related to your use of the service. If we choose to charge for the services or if they are already available and being changed, the app will show them. Any changes to the service prices will be communicated to you as soon as possible before they become effective. Notifying users of the program's changes is one possible way to achieve this.

9.2 Unless the law requires you to do otherwise, you undertake to pay all sums owed under these Terms of Use in full, without deductions or withholdings, and without any setoffs or counterclaims. Every time you are obliged to deduct or withhold from any payment to us, you must promptly pay us the relevant additional amounts to ensure that we get the full amount that would have been received had there been no deduction or withholding.

9.3 If you don't make any payments by the due date, we have the right to apply late fees to the amount you were lent. Users will receive advance notice of these fines from the app.

Taxes

9.4 Any taxes you owe are not included in the amount of any payments you are expected to make under these Terms of Use and loan. You agree to pay us the additional amount multiplied by the applicable tax rate if taxes are due in connection with the payment. This need must be met in addition to making the payment or supplying it at our request, regardless of whether the connection is ended.

9.5 By agreeing to this, you give us permission to take money out of your account if we are required to do so by law, agreements with tax authorities, internal policies, or any ruling or fine from the relevant tax authority.

Payments

9.6 Before or on the due date, you agree to pay the principle, interest, service fees, and tax related to these Terms of Use and the loan using the payment options that are regularly shown and provided on the App.

9.7 All transactions within the Territory must be settled in local currency.

10.1 When you: By default, this event is started.

10.1.1 For a total of fifteen (15) cumulative days, failing to pay any amount or installment (including all accrued interest, service fees, and tax) due for a loan granted under these Terms of Use, or declaring bankruptcy, unless the nonpayment is exclusively the result of a technical malfunction or administrative error.

10.2 Without affecting any further rights or remedies that we might have under the applicable law, we may, at any time after a continuous default event:

10.2.1 In line with this document's Clause 11, these Terms of Use will expire.

10.2.2 State that the loan is immediately due and payable and will be so at any time, together with any interest, service fees, taxes, and other money owed under these terms of use.

We will charge late fees, which will be noted on the application, if you are unable to make a payment.

11.1 Until they are terminated in line with their terms, these Terms of Use will remain in force.

11.2 We reserve the right to cancel your account, the system, the service, and these Terms of Use in whole or in part:

11.2.1 by giving you notice at any time and for any cause;

11.2.2 If you breach any of these Terms of Use, you will be promptly terminated, with or without warning, without impacting our other rights and remedies.

11.2.3 Should your contract or account be terminated for any reason by your mobile money provider or mobile network operator;

11.2.4 In the event that your account is dormant or inactive, that regular updates or improvements to the service's features or contents are required, or that a suspension or termination is required because of security or technical concerns.

11.2.5 If the government, a court, a regulator, or another relevant body mandates that we follow a rule, or

11.2.6 If we decide to stop or end the service for any reason, whether commercial or not, at our own discretion,

11.3 Should these terms of use be terminated or expire for any reason, you shall be responsible for:

11.3.1 Upon termination, any outstanding principal, interest, transaction fees, or taxes will be immediately due and payable.

11.3.2 Immediately and thoroughly delete the application from your mobile device.

11.4 However, neither party's rights nor obligations shall be affected by the termination.

11.5 Except for any additional terms that are expressly or by their very nature intended to continue in effect after termination, the parties shall no longer be bound to uphold any rights or obligations indicated in the Terms of Use. Regardless of any rights or responsibilities that each party may have at the time, these clauses will become operative upon the expiration of the Terms of Use.

Recipients

12.1 By signing this agreement, you agree that we, our licensors, and each of these parties' Affiliates, along with their officers, directors, members, employees, and agents, will be protected and released from any claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) resulting from or connected to:

12.1.1 Your disregard for the Nigeria Data Protection Act of 2023 and other relevant legislation, as well as our usage policies; and

12.1.2 How you use the service or system, such as:

12.1.2.1 third-party claims resulting from your use of the system or service;

12.1.2.2 Any harm brought about by the possession, use, abuse, or carelessness of third-party software, such as operating systems, browsers, and other software installations or programs;

12.1.2.3 Any illegal access to your account, data loss or access, or mobile device damage, theft, or destruction; and

12.1.2.4 Any loss or damage we might sustain due to a violation of these Terms of Use, including but not limited to malfunctioning or unavailable third-party systems or facilities, false information provided by third parties, or third parties that are unable to complete a transaction.

Liability Exclusion

12.2 If any of your mobile devices break down or if the service is interrupted or unavailable for any reason outside of our control—such as an error or force majeure, a system failure brought on by terrorist or enemy activity, a power outage, bad weather or atmospheric conditions, or a failure of any public or private telecommunications system—we will not be liable for any losses you may sustain.

12.3 The software is solely meant for individual use. For any lost revenue, business disruptions, or lost business possibilities, we disclaim all responsibility. You are aware that the app isn't meant for business, resale, or commercial use.

12.4 You agree that we are not responsible for any damages or losses brought on by or related to:

12.4.1 any flaw or problem brought on by your customization or alteration of the program or service;

12.4.2 any flaw or problem with the application brought on by your breach of these conditions of use;

12.4.3 There has been a breach of the sixth clause.

12.4.4 There is not enough money in your mobile money account.

12.4.5 Payments or transfers are prevented by a lawsuit or other legal action involving your account funds; you do not give adequate and explicit instructions for any payments or transfers pertaining to your account; or your mobile device, network, system, or mobile money system malfunctions, fails, is unavailable, or is otherwise interrupted.

12.4.6 using the system, your mobile device, or the service in an unethical or illegal manner; or

12.4.7 Your disregard for these usage guidelines and any instructions we may have given you on how to utilize the system and service.

12.5 We shall not be held liable for any indirect or consequential loss or damage of any kind that results from or is connected to the service, regardless of the cause, even if we are aware that such loss or damage may occur. Losses and damages are not covered by insurance.

12.6 To the extent allowed by applicable law and unless otherwise stated in these terms of use, our maximum aggregate liability with regard to the App, the system, the service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the service fees you paid us in connection with the first event giving rise to a claim under these terms of use.

12.7 You have six (6) months from the events that give rise to any claims you may have against us regarding the App, the system, the service, or these Terms of Use to notify us of those claims, unless otherwise noted in these Terms of Use. To the fullest extent allowed by applicable law, you shall forfeit any rights and remedies you may have in connection with this claim if you fail to comply.

12.8 Specifically, we disclaim any responsibility for:

12.8.1 Uncontrollable communications infrastructure problems that could affect the timeliness or correctness of messages you send or the information you get via the app;

12.8.2 any uncontrollable loss or disruption in the delivery of messages or content that you access as a result of using third-party software, such as an Internet access service provider or mobile network service provider;

12.8.3 possibly dangerous viruses that could infect your other property or mobile device while you were using the app or perusing any of its contents;

12.8.4 Any data or correspondence that our systems or the application use or intercept without authorization before receiving it;

12.8.5 To the extent allowed by applicable law, we will not be held responsible for any unauthorized use or access to the information we keep about you or your transactions, unless it results from our carelessness, wrongdoing, or a breach of the laws protecting personal data.

12.8.6 Anything that originates elsewhere.

13.1 There may be links to and references to other third-party websites or mobile applications ("Third Party Sites or Apps") within the service or app. These links are meant to give you access to possibly fascinating content. We do not promote or sponsor any goods, services, information, concepts, or viewpoints on any websites or applications that we link to.

13.2 Regarding the accuracy, completeness, dependability, and appropriateness of the content of any third-party websites or applications, we make no explicit or implicit promises or warranties. We cannot ensure that a third-party program or website won't be accused of violating trademarks, copyright, or other laws. We cannot guarantee that any third-party software or website is free of viruses or other infections.

13.3 You are aware that third-party apps and websites may have different privacy practices and provide less security than ours. Your choice to use or access any third-party website or application, as well as to buy or make use of any goods or services that are advertised or promoted on the website, is entirely your responsibility.

By using the services, you agree to receive direct marketing communications from us. Please notify us in the relevant letter if you would like to stop receiving our marketing messages.

15.1 Unless your country's laws state differently, Nigerian law shall govern these Terms of Use (and any issues that may arise out of or relate to them, including any claimed infraction or challenge to the legality or enforceability of these Terms of Use or any part hereof). If so, these Terms of Use will be governed by the laws of your jurisdiction.

15.2 Unless otherwise stated in this document or otherwise agreed to by the parties hereto, any disagreement, issue, or dispute arising out of or connected to these Terms of Use will be directed to a single arbitrator for a final judgment. The chairman of the Nigeria Branch of the Chartered Institute of Arbitrators ("Institute") may instead grant any party's request within seven (7) days of the other party informing the chairman of it, if such an agreement cannot be achieved.

15.3 In compliance with the Nigerian Arbitration and Conciliation Act, the arbitration will take place in Lagos, Nigeria.

15.4 To the extent that it can be implemented, the arbitrator's ruling will be legally binding on the parties.

15.5 Until the arbitrator renders a final decision or award, either party may file a complaint in any way to obtain interim or conservatory measures, or preliminary injunctive relief, from any court with the necessary authority.

16.1 Any delays or performance problems brought on by events outside of our reasonable control are not our responsibility.

16.2 No private information about our company's operations, affairs, clients, customers, or suppliers may ever be disclosed to third parties.

16.3 You understand and consent that we may, at any time and without prior notice, assign or transfer all or a portion of the creditor's rights to the loan, at our sole discretion. The aforementioned Transfer will not impact your duties under these Terms. The application's instructions must be followed when making the payment.

16.4 At our sole discretion, we reserve the right to modify these Terms of Use. Although we will do our best to notify you of any material changes, you understand and agree that it is your duty to examine the Terms of Use on a frequent basis. It will be presumed that you have agreed to these modifications if you keep using the system and service.

16.5 The cumulative rights and remedies provided to each party under these Terms of Use take precedence over any legal remedies. They have to be renounced clearly and in writing. A right is not deemed forfeited if it is not used or exercised straight away.

16.6 The parties acknowledge and understand that these Terms of Use supersede all prior agreements or understandings relating to the subject matter. Additionally, any implied claims of authenticity are expressly disclaimed by the parties. Except as specifically stated in these Terms of Use or as implied by applicable law, the parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use. With regard to any of the aforementioned, each party hereby irrevocably and totally forfeits any rights, remedies, and claims that it would have had had this Article not been in effect. Liability for fraud or any other liability that is forbidden by relevant law is not limited or eliminated by these Terms of Use.

16.7 Without our prior written agreement, you are not permitted to assign, sublicense, transfer, sublet, or otherwise dispose of any of your rights or responsibilities under these Terms of Use. Unless otherwise required by relevant law, we may assign, sublicense, transfer, sublet, or otherwise deal with our rights or responsibilities under these Terms of Use at any time without prior notice or consent.

16.8 Even if a court or other authorized authority finds that any part of these Terms of Use is illegal, invalid, or unenforceable under applicable law, they will nevertheless be in full force and effect. A provision that is both legally needed and, to the fullest extent feasible, equal to the omitted component will take the place of the relevant section of these Terms of Use.

16.9 No third party may rely on or enforce any of these Terms of Use.

16.10 To notify you, we may post a general notice on the App or the system, send an email to the address you supplied in your account, or do both. Kindly notify us by email at assist@ninimoney.com.

16.11 Please send an email to assist@ninimoney.com with any questions or issues about the system or service.

Regardless of whether a client is in debt or not, all employees must always act and communicate with professionalism and integrity.

When trying to collect debts or handling complaints, loan collectors, recovery agents, and customer service agents are not allowed to use any kind of abusive language, threats, defamation, or defamation against clients and their connections. Employees that participate in any of the aforementioned activities do so willingly, and they will be held responsible for their choices.

In addition to any other pertinent laws and regulations that are presently in force in the Federal Republic of Nigeria, we are dedicated to making sure that all marketing materials and advertisements adhere to the Nigerian Code of Advertising Practice, which is overseen by the Advertising Practitioners Council of Nigeria. We also promise that every advertisement will be truthful, direct, and thoughtful. These goods will also be made with a strong sense of social responsibility and in compliance with the laws governing fair competition.

Unwanted telemarketing will not be used by us unless it is disclosed:

19.1 The sender or the person on whose behalf the communication is being sent must be identified immediately, as well as the specific purpose of the message.

19.2 the particulars of the good or service under discussion;

In addition to any additional rules that may occasionally be enforced by an appropriate organization, we will also follow any "call" or "do-not-call" choices made by the client at the time of signing a service agreement or thereafter.

Despite the section above, it is essential that a will ensure that:

19.3 Unwanted voice calls or short messaging services cannot be issued to customers without their permission.

19.4 Customers should always have the option to accept or reject unwanted voicemails or short message services.

19.5 We have simplified all of these processes to provide customers the freedom to choose the type of unsolicited calls or short message services they want to receive or to choose not to receive any unsolicited phone calls or short message services.

We promise that:

20.1 The customer must have unfettered access to the information in order to confirm it on the bill or elsewhere.

20.2 Upon receiving a valid request, we shall provide clients with accurate, timely, and up-to-date information about the terms and circumstances of the invoice, together with any relevant alternatives.

20.3 It keeps track of a customer's invoice and related costs for at least a year (12 months); and

For the purposes of understanding the responsibilities specified in this section, "billing" or "bill" refers to the Licensee's recording and processing techniques.

21.1 We will make our complaint procedures available in a range of easily understood media and forms. Additionally, we will consistently post any other relevant content we find.

21.2 All relevant information regarding complaint procedures must be included in an easily readable text.

21.3 We will create a complaint management strategy that incorporates a range of efficient, open, and user-friendly complaint procedures in addition to providing Alternative Dispute Resolution (ADR).

21.4 We promise that customers may easily find out how to lodge a complaint.

21.5 Information about the consumer's right to file a complaint must be included in the specifications pertaining to the complaints handling procedures.

21.5.1 About the process for submitting grievances; and

21.5.2 The kinds of supporting documents that the complainant is required to include with the complaint.

21.5.3 Every complaint needs to be documented and handled in compliance with the rules and guidelines that have been set up.

We will make sure that the processes in place for accepting and handling complaints don't deter customers from filing them. Any problems will be handled via the assist@ninimoney.com protocol.

Any disclaimer in an advertisement will be unambiguous, we promise.

23.1 The advertisement's main goal and content are not in conflict with the disclaimer.

23.2 A clear, succinct disclaimer that is appropriate for the format or media being utilized is provided; and

23.3 The target audience or recipient of the advertisement is identified.