Terms of Use

Terms of Use

Last Updated: [2026-07-17]

1. WITH RESPECT TO THESE TERMS OF USE
We respectfully ask that you thoroughly peruse these terms of use. You acknowledge that by registering for or utilising any aspect of the Trymoni service, you have read, understood, accepted, and consented to these Terms of Use. These Terms of Use are applicable to both an electronic financial service and an end-user licensing agreement. You are explicitly prohibited from accessing or utilising any portion of the website if you do not agree to the terms of use. These Terms of Use constitute a legally binding agreement between Trymoni ("we," "us," or "our") and you, the individual user ("you" or "your").
The promulgation date is the date on which these Terms of Use, as well as any subsequent revisions or amendments, are implemented.

2. Accountability and Accreditation
By signing this agreement, you acknowledge that you have reviewed and concur with the following:
2.1 By consenting to these terms, you acknowledge that they are legally binding and that you will fulfil your responsibilities.
2.2 You agree to the Terms of Use and all applicable statutes upon the completion of this document. Additionally, you are cognisant of the fact that it is your responsibility to notify us of any violations of the aforementioned guidelines.
2.3 The system and service must be utilised exclusively for authorised purposes and in accordance with their designated objectives.
2.4 It is your responsibility to guarantee that all personal information, supporting documentation, and login credentials used within the system or provided to us are accurate, complete, up-to-date, and free of any fraudulent elements.
2.5 Access is restricted to authorised accounts and approved internet access locations.
You are strictly prohibited from engaging in any form of dishonesty.
2.6 The system is strictly prohibited from disrupting or compromising the network on which it is connected and operates.

3. I hereby consent to the terms and conditions of use.
3.1 You acknowledge that you have read and comprehended these Terms of Use by downloading, streaming, or registering with us. We retain the right to amend these Terms of Use at any time. The application and account will be operated and utilised in accordance with these terms.
3.2 Upon installing the software and selecting the "Accept" link within our system, you will be legally obligated to adhere to these terms of use.
3.3 By installing the application and creating an account, you consent to the Terms of Use, which regulate the account's use. Furthermore, you acknowledge that this agreement does not affect any other legal or equitable rights we may have in relation to the account.
3.4 These conditions are subject to change without prior notice at any time. You acknowledge and consent to these modifications and their accompanying terms by continuing to utilise the service. Any modifications will be communicated to you in a fair and appropriate manner.
3.5 The website is intermittently employed to supplement the program. Depending on the modifications, you may be required to download or stream the most recent version of the application and consent to any new terms and conditions prior to utilising the service.
3.6 You hereby grant express consent to us, our affiliates, and authorized partners to collect, store, process, and transfer your personal data in compliance with the Nigeria Data Protection Act (NDPA) 2023 and our Privacy Policy, for purposes of service delivery, credit scoring, identity verification, and regulatory compliance.
3.7 You authorise us to contact you and your designated alternative contacts (provided you have obtained their explicit prior consent) solely for the purpose of verifying your identity and application details. Under no circumstances shall we contact your alternative contacts, family, or associates for debt recovery, or engage in any collection practices that violate the Federal Competition and Consumer Protection Commission (FCCPC) guidelines.

4. LOAN APPLICATION
4.1 Our service is exclusively accessible to individuals who are at least eighteen years of age. We reserve the right to contact the appropriate mobile money provider in order to confirm the authenticity and current status of your account.
4.2 The application will notify you of the approval or denial of your account application. Furthermore, you acknowledge and consent that the approval of your account application does not create a contractual relationship between you and the mobile money providers, with the exception of any limitations and restrictions that may occasionally apply to your account.
4.3 We are under no obligation to provide reason for any such decision, and we retain the exclusive right to approve or deny your loan application at our sole discretion, in accordance with our risk management policies and continuous credit evaluation. This decision shall be regarded as final once it has been rendered.
4.3.1 One-Click Loan
This feature facilitates expedited loan processing. Upon triggering the One-Click loan, funds will be disbursed automatically to your designated account. If you determine the loan is unintended or unnecessary, you may repay the principal in full within the designated Grace Period (as displayed in the App prior to confirmation) without incurring interest or administrative fees. Standard interest rates, processing fees, and overdue penalties (as explicitly stated in the Loan Offer) shall apply immediately if the repayment exceeds the Grace Period.
4.4 We retain the authority to approve, reject, or modify the terms of any loan in accordance with our ongoing assessment of your credit profile. The parameters and interest rates associated with each loan application will be specified in the form.

5. RESTRICTIONS AND PERMITS

All rights not expressly granted herein are reserved by us and our licensors.

5.1 Subject to your strict compliance with this Agreement and these Terms of Use, we grant you a limited, revocable, non-exclusive, non-transferable, royalty-free license to access and use the Trymoni system solely for your personal, non-commercial use.

5.2 These Terms of Use do not grant or transfer to you any ownership rights, whether whole or partial, in or to the system, its software, or its source code.

5.3 You are strictly prohibited from engaging in, attempting to engage in, or permitting any third party to engage in any of the following restricted activities:

l 5.3.1 Selling, reselling, transferring, assigning, distributing, sublicensing, renting, or otherwise commercially exploiting the system;

l 5.3.2 Accessing, reverse engineering, decompiling, disassembling, altering, or creating derivative works of the underlying software or system;

l 5.3.3 Deploying any automated programs, bots, or scripts (including spiders or crawlers) that may generate an excessive volume of server requests, or unnecessarily burden, disrupt, or hamper the performance and operation of the system;

l 5.3.4 Extracting, indexing, scraping, or data mining the system’s navigation, display, layout, or content using any automated application or manual process;

l 5.3.5 Posting, distributing, or reproducing any copyrighted content, trademarks, or proprietary information without the prior written consent of the lawful owner, or removing any copyright, trademark, or proprietary rights notices from the system;

l 5.3.6 Utilizing the system, or storing and transmitting any content through the system, for any unlawful, illegal, or fraudulent purposes;

l 5.3.7 Sending or transmitting unsolicited communications (e.g., spam), submitting fraudulent credit or loan claims, or engaging in any harassing, abusive, or obstructive behavior towards our customer support personnel;

l 5.3.8 Transmitting or storing tortious, illicit, defamatory, libelous, threatening, or infringing material via the platform;

l 5.3.9 Disseminating, injecting, or transmitting any software viruses, Trojan horses, worms, time bombs, or other malicious codes and files;

l 5.3.10 Impeding, damaging, or degrading the efficiency, security, integrity, or regular operations of the system or its underlying data;

l 5.3.11 Misrepresenting your identity, age, income, or affiliation with any organization or individual;

l 5.3.12 Knowingly providing an inaccurate, false, or falsified residential, employment, or digital address;

l 5.3.13 Submitting material omissions or false personal data that could fraudulently influence our credit evaluation or risk-assessment decisions;

l 5.3.14 Engaging in any malicious actions intended to unlawfully defame, disparage, or sabotage the commercial reputation of Trymoni or its affiliates;

l 5.3.15 Intercepting, harvesting, or collecting any data or personal information from our systems, or attempting to decrypt any authorized communications sent to or from our servers.

6. ACCOUNT REGISTRATION AND USE

6.1 To access and utilize the features of the system, you must successfully register and maintain an active user account via the Trymoni mobile application.

6.2 You shall be solely and fully responsible for all activities, transactions, and liabilities incurred under your account.

6.2.1 You are permitted to register, maintain, and operate only one (1) single account. Multi-account creation by a single user is strictly prohibited.

6.2.2 You are under a strict obligation to maintain the confidentiality, secrecy, and integrity of your account credentials, passwords, and OTPs (One-Time Passwords).

6.2.3 You are strictly prohibited from selling, transferring, leasing, or assigning your account, access credentials, or associated personal data to any third party.

6.2.4 You must notify us immediately via our official compliance channels if you suspect or become aware that your account has been compromised, accessed, or used by an unauthorized third party.

6.3 Without prejudice to any other rights or remedies available under Nigerian law, we reserve the right to temporarily restrict, suspend, or permanently revoke your account access and/or App functionalities under the following circumstances:

l 6.3.1 If we establish, or have reasonable grounds to suspect, that you have violated any provision of these Terms of Use;

l 6.3.2 During the pendency of any internal or regulatory investigation regarding potential fraud, identity theft, or financial crimes associated with your account;

l 6.3.3 If your account activity creates potential legal liabilities, financial losses, or regulatory sanctions for Trymoni or its affiliates, including but not limited to unpaid statutory taxes, outstanding loan principal, accrued interest, or unauthorized chargebacks;

l 6.3.4 Upon the expiration or termination of these Terms of Use for any lawful reason;

l 6.3.5 At any other time where such suspension or restriction is dictated by our reasonable risk management policies, anti-money laundering (AML/CFT) regulations, or an official directive from a competent Nigerian regulatory authority or court of law.

7. USER INSTRUCTIONS AND REQUESTS

7.1 You hereby authorize us to act upon all instructions, requests, or transactions submitted through your account via the system, or those reasonably presumed to originate from you. You shall be fully responsible and legally liable for all consequences arising from such instructions.

7.2 We retain the absolute and unilateral right to reject any credit or loan application requested by you, irrespective of your historical repayment profile or previous loan approvals with Trymoni.

7.3 If any instruction or request received from your account is ambiguous, incomplete, or insufficiently detailed, we reserve the right to suspend execution and refuse to proceed until we receive clear, written, or digital clarification from you. Under no circumstances shall we be liable for any delays or losses resulting from such suspension.

7.4 We shall be deemed to have acted properly and to have fully discharged our obligations to you upon executing any instruction transmitted from your account, provided that such execution was conducted in good faith, notwithstanding that such request was subsequently proven to be fraudulent, unauthorized, or inaccurate due to your actions.

7.5 We reserve the right, at our sole discretion, to defer or delay acting upon any of your requests or instructions until you provide additional verification, documentation, or confirmation via designated multi-factor authentication methods.

7.6 To the maximum extent permitted under the laws of the Federal Republic of Nigeria, you agree to indemnify, defend, and hold harmless Trymoni, its directors, and affiliates against any claims, losses, damages, liabilities, costs, or expenses resulting from our execution of, or reliance upon, your authorized instructions.

7.7 You acknowledge and agree that Trymoni shall not be liable for any unauthorized withdrawals, transfers, remittances, or disclosures resulting from your failure to safeguard your account PIN, password, or One-Time Passwords (OTPs), except where such unauthorized access is directly caused by a material system security breach, willful misconduct, or gross negligence on the part of Trymoni in violation of the Nigeria Data Protection Act (NDPA).

7.8 We are fully authorized to freeze accounts, withhold funds, or disclose your account information in compliance with any valid court orders, Mareva injunctions, or statutory directives issued by competent Nigerian regulatory authorities or law enforcement agencies (including but not limited to the EFCC, CBN, and FCCPC).

7.9 In the event of any conflict or inconsistency between your specific instructions and these general Terms of Use, these Terms of Use shall prevail.

8. USER EQUIPMENT, NETWORK, AND SECURITY OBLIGATIONS

8.1 You are solely responsible for the procurement, security, maintenance, and effective operation of the mobile device and operating system required to access and utilize the Trymoni platform and services.

8.2 You shall ensure that your mobile device is adequately protected against security vulnerabilities. We expressly disclaim any liability for security breaches, data corruption, computer viruses, malware, or system errors arising from your use of incompatible, defective, or compromised equipment. Furthermore, we shall not be held liable for any transaction delays, network failures, or losses resulting from disruptions caused by your Mobile Network Operator (MNO) or internet service provider, and all associated costs shall be borne exclusively by you.

8.3 The Trymoni application is designed for compatible mobile devices. It is your sole responsibility to ensure that your device meets the technical requirements and that you have installed the most recent, updated version of the application. We shall not be held liable for any service malfunctions or unavailability resulting from application incompatibility or failure to update.

8.4 You must notify us immediately through our official customer support channels if your mobile device is lost, stolen, or otherwise compromised. You shall remain fully liable for all transactions, borrowings, and activities executed on your account prior to our actual receipt and processing of your loss notification. Except where arising directly from our gross negligence or willful misconduct, we shall not be liable for any unauthorized access to your account or disclosure of your credentials. You agree to indemnify and hold us harmless against any losses, claims, or damages resulting from the unauthorized use of your credentials due to your failure to secure your device or report its loss promptly.

8.5 You are responsible for procuring an appropriate internet access and data plan from a licensed telecommunications service provider. You acknowledge that utilizing the system may consume substantial data, and you consent to be solely responsible for all data, SMS, and carrier charges incurred.

8.6 By accessing and utilizing the system and services, you express your unconditional agreement to adhere to all guidelines, security protocols, rules, and operating instructions set forth in these Terms of Use and any supplementary directives issued by us.

8.7 You are strictly obligated to implement all necessary personal security measures to prevent unauthorized access to your account. You must regularly review your transaction history and account alerts. You must notify us immediately via our compliance channels upon the occurrence of any of the following:

l You have reasonable grounds to believe that your credentials have been compromised, or that a transaction has been fraudulently executed, altered, or accessed without authorization.

l You suspect that your account has been linked to any form of identity theft, digital fraud, or financial malpractice.

You are required to strictly comply with all credentials-protection and security protocols notified to you by Trymoni from time to time. You acknowledge that failure to adhere to recommended security guidelines may severely compromise your data privacy and account security. You bear a continuous duty to ensure that the service is exclusively accessed by you, and you shall not permit any unauthorized third party to submit loan requests or execute financial transactions on your behalf.

9. FEES AND PAYMENT
Interest, Fees, and Pricing Transparency

9.1 The application will explicitly display the specific interest rate, processing fees, administrative charges, and the Annual Percentage Rate (APR) applicable to each loan prior to your confirmation. We reserve the right to determine, collect, or adjust our service fees and pricing models from time to time. Any material changes to our fee structure or interest calculation methodologies will be prominently communicated to you via in-app notifications, SMS, or system updates prior to their implementation.

9.2 You hereby agree to repay the full outstanding balance due under these Terms of Use, including the principal, accrued interest, and applicable fees, without any deductions, withholdings, counterclaims, or set-offs, unless explicitly mandated by statutory laws. If you are legally required to make any tax withholdings or deductions from payments due to us, you shall immediately pay such additional amounts to ensure that Trymoni receives the full net amount it would have received had no such deduction or withholding been made.

9.3 If you fail to repay any outstanding balance on or before the specified due date, Trymoni reserves the right to impose default penalties and late repayment fees. The applicable late penalty rates will be clearly disclosed to you in the Loan Offer before loan acceptance. The accumulation of such default penalties shall strictly comply with the maximum permissible limits stipulated under relevant Nigerian consumer protection laws and FCCPC guidelines.

Taxation

9.4 All repayment obligations outlined herein are exclusive of applicable statutory taxes for which you are responsible. You agree to pay us any supplementary sums determined by the relevant tax rates (including Value Added Tax, where applicable) in connection with the loan services. This obligation shall survive the termination or expiration of these Terms of Use.

9.5 You hereby authorize Trymoni to deduct or withhold funds from your account or designated repayment channels in order to comply with statutory tax directives, internal compliance policies, anti-money laundering regulations, or direct enforcement mandates issued by the Federal Inland Revenue Service (FIRS) or regional tax authorities in Nigeria.

Disbursements and Repayment Mechanisms

9.6 The repayment of loan principal, interest, service fees, and applicable taxes must be completed through the designated, secured payment channels integrated and visible within the Trymoni App (including but not limited to direct debit cards, bank transfers, or quick response codes) on or before the specified maturity date.

9.7 The local fiat currency of the Federal Republic of Nigeria, namely the Nigerian Naira (₦ / NGN), shall be the sole medium of exchange and legal tender for all loan disbursements, interest calculations, and repayment transactions within the Territory.

9.8 You hereby grant an irrevocable authorization to Trymoni and its licensed third-party financial partners (including Central Bank of Nigeria (CBN) licensed commercial banks, Microfinance Banks (MFBs), or Payment Service Providers) to create, maintain, and manage a unique Virtual Account or dedicated repayment wallet on your behalf, solely for the purpose of facilitating your loan disbursement, processing collection mandates, and effectuating your loan repayments.

10. EVENTS OF DEFAULT AND REMEDIES
10.1 Events of Default: An Event of Default shall be automatically triggered and deemed to have occurred if you engage in or are subject to any of the following circumstances:

l 10.1.1 You fail to pay any outstanding loan principal, accrued interest, service fees, or applicable taxes due under these Terms of Use for a consecutive period of fifteen (15) calendar days from the designated maturity date, unless such non-payment is proven to be strictly and exclusively attributable to a verified system technical malfunction or administrative error on our part; or

l 10.1.2 You declare bankruptcy, undergo insolvency proceedings, make a general assignment for the benefit of your creditors, or become generally unable to pay your debts as they fall due under the laws of the Federal Republic of Nigeria.

10.2 Remedies upon Default: At any time after the occurrence of an Event of Default which has not been remedied, Trymoni may, without prejudice to any other legal rights, remedies, or enforcement actions available to us under Nigerian law, take any or all of the following actions:

l 10.2.1 Terminate this Agreement and revoke your access to the application and system in accordance with Clause 11 herein;

l 10.2.2 Declare the entire unpaid balance of the loan, including the outstanding principal, all accumulated interest, service fees, statutory taxes, and any other accrued obligations under these Terms of Use, to be immediately due and payable, without further demand, presentment, or notice of any kind; and

l 10.2.3 Impose late repayment penalties and default fees on the overdue balance, as explicitly displayed and disclosed within the application, subject always to the maximum caps permitted by the Federal Competition and Consumer Protection Commission (FCCPC) and other relevant regulatory guidelines.

11. TERMINATION AND DURATION
11.1 Term: These Terms of Use shall commence on the date you accept them or begin using the service, and shall remain in full force and effect until terminated in accordance with the provisions contained herein.

11.2 Termination by Trymoni: We reserve the right to temporarily suspend, restrict, or permanently terminate your account, your access to the system, and this Agreement, in whole or in part, under any of the following circumstances:

l 11.2.1 Upon giving you prior written or electronic notice at any time, for any justified commercial reason;

l 11.2.2 Immediately and without prior notice if you commit a material breach of any provision of these Terms of Use, without prejudice to any other rights or remedies available to us;

l 11.2.3 If your contract or account with your Mobile Network Operator (MNO) or mobile money provider is terminated, suspended, or deactivated for any reason;

l 11.2.4 If your account remains inactive or dormant for an extended period, or when suspension/termination is necessitated by security vulnerabilities, technical failures, infrastructure upgrades, or system enhancements;

l 11.2.5 If such action is mandated by statutory laws, court orders, or an official directive from a competent government, judicial, or regulatory authority in Nigeria (including the CBN, FCCPC, or NDPC); or

l 11.2.6 If Trymoni elects to completely discontinue the operation of the application or the delivery of the lending services within the Territory for strategic or commercial reasons.

11.3 Consequences of Termination: Upon the termination or expiration of these Terms of Use for any reason, you shall immediately perform the following obligations:

l 11.3.1 Promptly remit and repay all outstanding loan principal, accrued interest, default penalties, service fees, and applicable statutory taxes, which shall become immediately due and payable upon the effective date of termination; and

l 11.3.2 Immediately delete and uninstall the Trymoni application from your mobile device and cease all further use of the system.

11.4 Termination of this Agreement shall not affect any accrued rights, remedies, or liabilities of either party existing up to the date of termination.

11.5 Survival of Provisions: Any provisions of these Terms of Use which by their nature are express or inherently intended to survive the termination or expiration of this Agreement—including but not limited to clauses governing Outstanding Debt Obligations, Indemnification, Limitation of Liability, Governing Law, Dispute Resolution, and Data Privacy/Confidentiality under the Nigeria Data Protection Act—shall remain in full force and effect following such termination.

12. EXCLUSIONS OF LIABILITY AND INDEMNITY

12.1 Your Indemnification Obligations

You agree to indemnify, defend, and hold harmless Trymoni, its licensors, affiliates, and our respective officers, directors, employees, and agents from and against any third-party claims, costs, damages, losses, liabilities, and expenses (including reasonable legal and attorney fees) arising out of or in connection with:

l Your material breach of any provision of these Terms of Use, or your violation of any applicable laws and regulations of the Federal Republic of Nigeria;

l Your fraudulent, malicious, negligent, or unlawful utilization of the Trymoni service, application, or system; and

l Any unauthorized access to your user account resulting from your failure to adequately secure your mobile device, password, PIN, or login credentials.

12.2 Exclusion of Damages (What We Are Not Liable For)

To the maximum extent permitted under applicable Nigerian law, Trymoni shall not be liable to you for any loss, injury, or damage arising from:

l 12.2.1 Force Majeure and Infrastructure Failures: Service interruptions, transaction delays, or platform unavailability caused by acts of God, terrorism, civil unrest, grid-level power outages, severe weather, or the failure, fluctuation, or deactivation of public/private telecommunications networks, Mobile Network Operators (MNOs), mobile money platforms, or third-party payment gateways.

l 12.2.2 Your Conduct and Account Status: Losses resulting from your breach of these Terms, unauthorized modifications or rooting of the application, insufficient funds in your linked bank or mobile money accounts, lawful account freezing by competent court orders, or your failure to provide clear, timely, and accurate transaction instructions.

l 12.2.3 Specific Disclaimers:

(a) Any loss of profit, loss of revenue, loss of business opportunity, or any indirect, incidental, special, punitive, or consequential damages, whether foreseeable or not;

(b) Any contamination, hardware degradation, or damage to your mobile device caused by malware, spyware, viruses, or malicious code during the downloading or usage of the App, except where such incident is caused directly by our gross negligence; and

(c) The unauthorized interception, phishing, or theft of your data or credentials prior to its secure receipt and decryption by our servers.

12.3 Limitation of Liability (Financial Cap and Data Standards)

l 12.3.1 Maximum Financial Cap: To the maximum extent permitted under applicable Nigerian law, our total cumulative liability to you for all claims, losses, or damages arising out of or in connection with the application, system, service, or these Terms (whether in contract, tort, strict liability, or otherwise) shall be strictly limited to the total service fees actually paid by you to us for the specific loan or transaction giving rise to such claim.

l 12.3.2 Data Security Standard: While we implement robust, industry-standard cybersecurity and organizational data protection measures in strict compliance with the Nigeria Data Protection Act (NDPA) 2023, you acknowledge that no digital system is entirely impenetrable. Trymoni shall not be held liable for any unauthorized access to, alteration of, or breach of your personal data, unless such breach is directly caused by a material security failure, gross negligence, or willful misconduct on our part.

12.4 Claim Notification Window

Any claim or cause of action arising out of or related to your use of the service or these Terms must be filed within twelve (12) months after such claim or cause of action arose, subject always to any extended statutory limitation periods mandatory mandated by the Federal Competition and Consumer Protection Act (FCCPA) or relevant Nigerian regional limitation statutes; otherwise, such claim shall be permanently barred and legally waived.

13. THIRD-PARTY LINKS, WEBSITES, AND APPLICATIONS DISCLAIMER

13.1 No Endorsement of Third-Party Content: The Trymoni application or service may contain hyperlinks, embedded application programming interfaces (APIs), or routing pathways to external websites, platforms, or mobile applications operated by third parties ("Third-Party Sites or Apps"). These hyperlinks are provided solely for your convenience and informational reference. Unless expressly stated otherwise by Trymoni in writing, the inclusion of any hyperlink does not constitute, imply, or represent an endorsement, sponsorship, authorization, or affiliation by us with respect to such third parties, their products, services, operating models, or viewpoints.

13.2 Disclaimer of Warranties: Trymoni gives no warranties, representations, or guarantees, whether express, implied, or statutory, regarding the accuracy, completeness, timeliness, reliability, availability, or legality of any information, data, or services hosted on Third-Party Sites or Apps. We do not warrant or guarantee that such third-party platforms are compliant with intellectual property laws, free from third-party copyright or trademark infringement claims, or entirely secure from digital software infections, Trojan horses, malware, or viruses.

13.3 Privacy and Data Security Risk Assumption: You explicitly acknowledge and agree that Third-Party Sites or Apps operate under distinct, independent terms of service and data privacy policies, which may provide substantially less stringent security standards than those implemented by Trymoni. Pursuant to the Nigeria Data Protection Act (NDPA) 2023, once you navigate away from the Trymoni platform to an external third-party interface (including but not limited to third-party payment gateways for loan repayments), our data processing obligations cease, and your interactions shall be governed exclusively by the privacy protocols of that specific third party. Any decision to access, utilize, or transacting on Third-Party Sites or Apps, or to procure services advertised therein, is executed entirely at your own discretion and sole risk.

14. CONTACT US DIRECTLY THROUGH MARKETING
You consent to receiving direct marketing communications from us by utilising the services. If you wish to discontinue receiving our marketing communications, please send us the corresponding letter via email.

15. Resolution of Disputes

15.1 Governing Law: These Terms of Use and any disputes arising from them shall be governed exclusively by the laws of the Federal Republic of Nigeria.

15.2 Amicable Settlement: If any dispute arises, both parties agree to first attempt to resolve it through friendly and informal discussions within fourteen (14) days.

15.3 Arbitration: If informal discussions fail, either party may refer the dispute to a single arbitrator in Lagos, Nigeria, to be appointed by the Chartered Institute of Arbitrators (CIArb), Nigeria Branch. The proceedings shall be in English and governed by the Arbitration and Mediation Act, 2023. The arbitrator’s decision shall be final and binding.

15.4 Platform's Right to Sue: Notwithstanding the arbitration agreement above, Trymoni reserves the absolute right, at its sole discretion, to bypass arbitration and bring legal action directly against you in any competent Small Claims Court, Magistrate Court, or High Court in Nigeria to recover any unpaid loans, interest, penalties, or debts.

16. MISCELLANEOUS PROVISIONS

16.1 Force Majeure: We shall not be held liable for any delays, failure, or interruption in performance resulting directly or indirectly from acts, events, or omissions beyond our reasonable control.

16.2 Confidentiality & Regulatory Disclosures: Trymoni shall maintain the strict confidentiality of your personal and transaction data. Notwithstanding the foregoing, you acknowledge that we are legally authorized and mandated under Nigerian law to disclose your information to licensed Credit Bureaus, law enforcement agencies, the Central Bank of Nigeria (CBN), or other regulatory bodies for credit reporting, anti-money laundering (AML), and fraud prevention purposes.

16.3 Assignment of Rights: Trymoni reserves the absolute right, at its sole discretion, to assign, sell, or transfer all or a portion of its creditor’s rights, loans, or receivables under these Terms to any third party (such as asset management or debt recovery agencies) at any time without prior notice. Your repayment obligations shall remain fully effective and unaffected by such transfer.

16.4 Amendments to Terms: We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting an update within the App or via email at least three (3) days prior to the effective date. Your continuous use of the service after such notice shall be deemed as your absolute acceptance of the amended Terms.

16.5 Severability: If any provision of these Terms is determined by a competent court or authority in Nigeria to be invalid, illegal, or unenforceable, such determination shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force.

16.6 Notices & Customer Support: We may send notices to you via App push notifications, in-system announcements, or the email address associated with your account. For any questions, complaints, or legal notifications, you must contact our designated compliance officer, Chinedu Okafor, at help@trymoni-viotrim.com

.

17. PROFESSIONAL CONDUCT AND COMPLIANT LOAN RECOVERY
All employees, third-party agents, and recovery personnel are strictly required to conduct themselves with the highest level of professionalism and integrity. We maintain a zero-tolerance policy for any form of harassment, defamation, debt-shaming, threats, or unauthorized data scraping (including contacting a customer’s contacts or social circles without authorization). Any breach of this section shall result in immediate disciplinary action or termination of contract, without prejudice to any regulatory or criminal liabilities under the Federal Competition and Consumer Protection Commission (FCCPC) guidelines.

18. Advertising and Promotion of Services
All marketing, promotional materials, and advertisements issued by us shall comply strictly with the Nigerian Code of Advertising Practice overseen by the Advertising Regulatory Council of Nigeria (ARCON), and all other applicable laws of the Federal Republic of Nigeria. We guarantee that all advertisements shall be truthful, fair, transparent, and socially responsible, avoiding any deceptive or misleading statements regarding loan terms, interest rates, or fees.

19. TELEMARKETING AND OPT-OUT MECHANISMS
19.1 We will not engage in unsolicited telemarketing, voice calls, or Short Message Services (SMS) without providing clear identification of the sender and the primary purpose of the communication.

19.2 We shall strictly respect customer preferences regarding marketing communications. Customers may subscribe to or unsubscribe from various categories of promotional messages at any time.

19.3 In accordance with the regulations of the Nigerian Communications Commission (NCC), we will respect the "Do-Not-Call" (DNC) registry and any individual opt-out requests. Customers shall be provided with a free, easily accessible, and simplified automated mechanism (e.g., a "STOP" reply or an in-app toggle) to decline further promotional communications.

20. BILLING TRANSPARENCY AND FINANCIAL RECORDS

20.1 Access to Financial Statements: Trymoni ensures that you have continuous, unrestricted access to your active loan statements, amortization and repayment schedules, outstanding balances, and comprehensive transaction history directly via the mobile application or authorized self-service verification channels.

20.2 Fee Disclosure and Transparency: In alignment with Nigerian financial consumer protection standards, Trymoni guarantees complete rate transparency. Upon request, or as explicitly displayed within the App prior to loan acceptance, we shall provide a clear, broken-down breakdown of any billing item, including the Annual Percentage Rate (APR), interest charges, processing fees, and any applicable default interest or late penalties. There shall be no hidden fees.

20.3 Statutory Record Retention: In strict compliance with applicable federal financial regulations, anti-money laundering (AML/CFT) laws, and tax statutes of Nigeria, Trymoni shall securely maintain and store your transaction records, billing statements, and account history for a minimum period of six (6) years from the date of the respective transaction or account closure. Pursuant to the Nigeria Data Protection Act (NDPA) 2023, you explicitly acknowledge and agree that such data retention after your account deactivation is mandated solely for statutory audit, regulatory compliance, and legal defense purposes.

21. GRIEVANCE REDRESSAL AND DISPUTE RESOLUTION
21.1 We are committed to maintaining a transparent, accessible, and effective Complaint Management Strategy, which includes provisions for Alternative Dispute Resolution (ADR).

21.2 Customers have the right to lodge a complaint regarding any aspect of our service, including billing discrepancies, service technicalities, or personnel conduct.

21.3 To file a complaint, customers may contact our dedicated dispute resolution desk via email at help@trymoni-viotrim.com

21.4 Turnaround Time (TAT): We acknowledge all formal complaints within twenty-four (24) hours of receipt. We shall investigate and aim to provide a comprehensive resolution within seven (7) business days, unless the complexity of the matter warrants a lawful extension, which will be communicated to the complainant in writing.

21.5 All submitted complaints, supporting documentation, and final outcomes shall be securely logged and retained in our internal system for audit and regulatory reporting purposes.

22. STANDARD FOR ADVERTISING DISCLAIMERS

22.1 Compliance: In accordance with the FCCPA 2018, all disclaimers or conditions in our advertisements shall be clearly visible, legible, and easy to understand. They must not contradict or hide the core pricing or terms of the loan.

22.2 Third-Party Ads Disclaimer: Trymoni is not responsible for any false promises, exaggerated limits, or misleading information published by external loan supermarkets or advertising networks. Your loan terms are strictly limited to what is displayed inside the official Trymoni App at the time of your acceptance.

22.3 Marketing Examples Only: All loan limits, rates, and repayment examples shown in advertisements are strictly illustrative and for reference only. Actual loan amounts and interest rates depend entirely on your individual credit evaluation inside the App.