These Terms of Service ("Terms") govern your access to and use of the services provided by Market Monie Ltd. (referred to as "we," "us," or "our") through our website and associated platforms.

By accessing or using our services, you agree to be bound by these Terms. Please read them carefully, if you do not agree with any part of these Terms, you may not access or use our services.

You must be at least 18 years old, legally capable of entering into contracts, must be of sound mind, must be credit worthy, and must not be bankrupt to use our services. By using our services, you represent and warrant that you meet these eligibility requirements.

Market Monie Ltd. provides financial services, including loans to Micro, Small, and Medium Enterprises (MSMEs) and other businesses ("Services"). These Services are subject to these Terms and any additional terms and conditions provided to you in connection with the Services.

To apply for a loan, you must complete our application process, which may include providing certain information about your business, financial history, and other relevant details. By applying for a loan, you authorise us to obtain credit reports and other information about you and your business as necessary to evaluate your application.

Approval for a loan is subject to our evaluation of your application and meeting our underwriting criteria. We reserve the right to approve or deny loan applications at our discretion. If approved, the terms of the loan, including interest rates, repayment terms, and fees, will be provided to you in writing.

Funds provided through our Services must be used for legitimate business purposes as described in your loan agreement. You agree not to use the funds for any illegal or prohibited purposes.

You are responsible for repaying any loans obtained through our Services in accordance with the terms of your loan agreement. Failure to make timely payments may result in additional fees, penalties, and negative consequences for your credit rating.

All content and materials available through our services, including text, graphics, logos, and software, are the property of Market Monie Ltd. or its licensors and are protected by intellectual property laws. You may not use, reproduce, or distribute any such content without our prior written consent.

Our Privacy Policy governs the collection, use, and disclosure of personal information provided by users of our services. By using our services, you consent to the terms of our Privacy Policy.

To the fullest extent permitted by law, Market Monie Ltd. shall not be liable for any indirect, incidental, special, or consequential damages arising out of or related to your use of our services.

You agree to indemnify and hold harmless Market Monie Ltd., its affiliates, officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including legal fees) arising out of or related to your use of our services or violation of these Terms.

We reserve the right to modify these Terms at any time, effective upon posting the updated Terms on our website. Your continued use of our services after any such changes constitutes acceptance of the modified Terms.

We may terminate or suspend your access to our services at any time, with or without cause, and without prior notice or liability. Upon termination, your right to use our services will immediately cease.

These Terms shall be governed by and construed in accordance with the laws of the Nigerian legislation and the legislation of all other countries Market Monie ltd operates, without regard to its conflict of laws principles.

If you have any questions or concerns about these Terms or our services, please contact us at www.marketmonie.com.