Terms and Conditions

Welcome to the official website of AAA Finance & investment Limited.

AAA Finance and Investment Company (“AAA Finance”, the “Company”, “Our,” “We” or “Us” maintains this website, mobile application and other digital or internet-enabled services (the “Platform”) to provide You (“you”, “yours” or the “User”) with information about the products and services which we provide, and with information about AAA Finance.

Please read this TC carefully before accessing or using our platforms, products or services.

By accessing our website, mobile application, and other digital or internet-enabled services, you are deemed to have read this TC and our privacy policy. You warrant that you have agreed to be bound by these Tc and our privacy policy, by using or gaining access to our Services.

NOTE! If you do not accept these terms and conditions, please do not continue to use this website.

AAA Finance at its discretion may at any time modify any portion of the TC without prior notice and such modification will supersede and replace any previous term. The amended terms will be made available on the website. Each time you access the website, your continued use is taken to be your assent to the amended/updated TC

The information, ideas and opinions expressed on the website, the mobile application and other digital or internet-enabled services are of a general nature and should not be regarded as financial or other advice. Before making any decision or taking any action based on, or in relation to information, ideas and opinions expressed on any of our platforms which might affect your personal finances or business, you should take appropriate advice from a suitably qualified person.

You consent to indemnify AAA Finance as well as any of our staff from any claim, demand, loss, liability and damages that may arise from any prohibited or illegal use of our website, mobile application or any other digital or internet-enable service including reasonable attorneys’ fees, made by any third-party due to or arising out of your violation of any law or the terms and conditions contained in or incorporated into these TC

The parties to this agreement who are indemnified by you reserve the right to assume sole management and defense of any issue for which you are obligated to provide indemnification, in which case you will cooperate in raising any potential defenses. If you subscribe for any of our products you warrant and represent that you are legally authorized to subscribe for such services.

You further warrant you will not use our website, mobile application, other digital or internet-enabled services, products and/or services or any information made available or sent to you by us pursuant to your use of any of the above platforms, product and/or services, for any purpose that is unlawful or prohibited under Nigerian or international law or in contravention of this TC.

We may modify, withdraw or deny access to our website, mobile application, and other digital or internet-enabled services at any time. Our platforms (website, mobile application, and other digital or internet-enabled services) are intended to provide general information regarding our products and services, and other information which may be of interest to you. It is not intended to provide exhaustive treatment of any subject.

The information on our platforms including all research, opinions or other content is not intended to and does not constitute financial, accounting, tax, legal, investment, consulting or other professional advice or services. Before making any decision or taking any action which might affect your personal finances or business you should take appropriate advice from a suitably qualified person.

The Intellectual Property and copyrights, including the ownership of all content on our website mobile application, and other digital or internet-enabled services and, including but not limited to text, designs, graphics, photographs and other files belongs exclusively to AAA Finance. This includes amongst others their arrangement and selection. No Content may be changed, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in whole or in part without the prior written consent of AAA Finance. Any unauthorized usage of such Content is strictly prohibited, including republication of any such Content on any Internet, Intranet, or Extranet site and/or the inclusion of such content in any database or compilation. Any form of usage of the content without the prior written consent of AAA Finance including usage of the website, applications or the applications Content other than that which is expressly permitted herein, is strictly prohibited and shall result in the termination of the license granted. Any such illegal and/or un-authorized use shall be deemed as a violation/infringement of AAA Finance Intellectual Property Rights and shall result in a legal claim including a claim for damages pursuant to the provisions of relevant laws relating to copyright and trademark laws as well as applicable statutes and regulations.

Without regard to or giving effect to any principles or laws governing conflicts of law that call for the application of the law of another jurisdiction, these and any other separate agreements under which we offer you Services shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria. All claims, demands, and causes of action must be resolved by binding arbitration in a private setting. Lagos, Nigeria will serve as the seat of the arbitration.

The correctness or dependability of any content placed on any interactive section is not guaranteed by AAA Finance and you agree that any reliance on such content is done at your own risk. Any content posted by users on a user-generated interactive space reflects the views of the user who posted the statement and does not reflect the views of AAA Finance. Links to websites on the internet that are owned and controlled by third parties (the “External Sites”) may be found in our services.

 You agree that AAA Finance is not liable for any External Site’s availability or the content found on it or through it. No endorsement or approval of any third party or their advice, opinions, information, products or services is expressed or implied by any information on this website. External links may be provided for your convenience, but they are beyond the control of AAA Finance and no representation is made as to their content.

It is illegal to establish a hyperlink, frame, meta tag or similar reference, whether electronically or otherwise (collectively referred to as linking), to our website, any subsidiary pages, mobile application or other platform before receiving AAA Finance’s prior written approval, which may be withheld or granted subject to the conditions AAA Finance specifies from time to time.

It is illegal for any person, business or website to frame our website, any of the pages on the website, mobile application or other platform in any way whatsoever.

AAA Finance provides the Services and all information, content, materials, products (including software), and other services on a “As is” and “As available” basis, unless otherwise stated in writing. Unless expressly stated otherwise in writing, AAA Finance makes no representations or warranties of any kind, express or implied, as to the operation of the Services or the information, content, materials, products (including software), or other services included on or otherwise made available. You hereby explicitly acknowledge and agree that the use of the Services and applications is at your own risk. AAA Finance expressly disclaims all implicit guarantees, including the implied warranties of merchantability and fitness for a particular purpose, to the fullest extent permitted by law. Except as expressly provided in writing, AAA Finance shall not be liable for any damages of any kind resulting from the use of the Services, including, but not limited to, direct, indirect, incidental, punitive, and consequential damages. Any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation to lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), or otherwise, shall not be made against AAA Finance, our directors, officers, employees, affiliates, agents, contractors, licensors, interns, suppliers and service providers.

Neither AAA Finance nor its directors, officers, employees, affiliates, agents, contractors, licensors, interns shall be liable for any loss of business, loss of data and/or loss of profits, any failure and/or unavailability of the website for any reason whatever and/or the failure/delay by any third-party service provider to render any service/s which are necessary to ensure the availability of the website.

Information transmitted via the internet is susceptible to monitoring and interception. You will bear all risks of transmitting information in this manner. We will not be liable for any loss, harm or damage suffered by you as a result of transmitting information to us.

Any unsolicited confidential or proprietary information sent to us via the internet cannot be guaranteed to remain confidential. If you need to send such information to us and are concerned about the security of this information, please contact us and we will advise you of the most appropriate method of transmission.

AAA Finance will not tolerate anyone using the AAA Finance website, the mobile application or any other platform (including the loan application process) in contravention of any law, whether in common law or statute, and reserves the right to take action against anyone doing so, including laying a criminal charge, where applicable.

You consent that nothing on our website is intended to be nor should be construed as an offer to enter into a contractual relationship with you or anyone else, except for these terms which govern the relationship between us in relation to your use of the website, mobile application or other platform. The advertising of our services via the website merely constitutes an invitation by AAA Finance. AAA Finance reserves the right not to accept and/or comply with any application for any reason whatsoever on notice to you. Should AAA Finance accept your application for credit, the agreement is governed by the terms and conditions of the application and loan agreement itself and not by these terms which specifically relate to the use of the website, mobile application, and other digital or internet-enabled services.