1. Introduction

Welcome to Dignity Finance and Investment Ltd (“Dignity Finance,” “DFIL”, “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your use of our financial services and our website, whether accessed via computer, smartphone, or other device. By using any of our services or accessing our website, you agree to comply with and be bound by these Terms.

2. Eligibility

To access our services or use our website, you must:

• Be at least 18 years old.
• Be a resident or legally authorized to operate in Nigeria.
• Provide accurate and complete information.

We may deny access or terminate your use of any service if you violate these Terms or applicable laws.

3. Services Offered

Dignity Finance offers a range of financial services, including:

• Contract Finance Loans
• Personal and Business Loans
• Investment Plans
• Purchase of FGN Treasury Bills
• Financial Advisory Services
• Wealth Management

Each service may be governed by specific agreements and may require KYC documentation.

4. Account Opening and Management

Clients must submit required forms and valid ID for onboarding. You agree to:

• Keep your contact and personal information current.
• Secure your account details and login credentials.
• Notify us immediately of any unauthorized activity.

Dignity Finance shall not be liable for losses resulting from your failure to safeguard access credentials.

5. Loan Terms

Loan products are subject to separate Loan Agreements with details of:

• Principal amount, interest rate, tenor
• Repayment terms and penalties
• Default provisions and recovery measures

Non-compliance with loan terms may result in recovery action and legal proceedings.

6. Investment Terms

Investments are made voluntarily and may include risks. You agree and understand that:

• Returns are not guaranteed unless stated in writing
• Early withdrawal may incur fees
• We act in good faith but market fluctuations are beyond our control

Clients must read and agree to individual investment contracts before participating.

7. Fees and Charges

We may charge:

• Account setup and administrative fees
• Interest on loans
• Withholding tax on accrued interest for investments
• Penalties for late payments or early investment withdrawals

All fees will be disclosed before any transaction or as specified in a contract. We reserve the right to update fees with prior notice.

8. Data Privacy and Protection

Your personal data is protected under the Nigeria Data Protection Act (NDPA) 2023. We commit to:

• Collecting only necessary data
• Protecting it using standard security measures
• Sharing it only with authorized regulators or third parties where legally required

Your data will not be sold or misused. Refer to our Privacy Policy for more details.

9. Anti-Money Laundering Compliance

Dignity Finance complies fully with Nigeria’s AML/CFT/PF framework. We reserve the right to:

• Verify your identity and transactions
• Freeze accounts and report suspicious activity to the Nigerian Financial Intelligence Unit (NFIU)
• Decline transactions that pose regulatory risk

10. Limitation of Liability

We are not liable for:

• Any loss resulting from misuse of services
• Unforeseen delays, interruptions, or force majeure
• Investment risks or market losses
• Unauthorized use of your account due to your negligence

Our liability in any case is limited to the total amount of fees paid for the specific service within the last 6 months.

11. Indemnification

You agree to indemnify and hold harmless Dignity Finance, its staff, and agents from any claims, costs, damages, or losses resulting from your breach of these Terms or misuse of our services.

12. Intellectual Property

All content, design, logos, images, and digital tools on our website or platforms are the intellectual property of Dignity Finance. You may not copy, distribute, or reuse any content without our prior written consent.

13. Website Use Terms

14. Amendments

We may update these Terms periodically. Changes will be posted on our website and communicated via email when appropriate. Your continued use of our services after such changes indicates your acceptance of the revised Terms.

15. Governing Law and Dispute Resolution

These Terms shall be governed by the laws of the Federal Republic of Nigeria. In case of dispute, we will attempt amicable resolution. If unresolved, the dispute shall be referred to arbitration in Abuja, under the Arbitration and Conciliation Act.

16. Contact Information

17. Acknowledgment

By engaging our services or using our website, you confirm that you have read, understood, and agreed to these Terms and Conditions.