Terms of Service

1. Introduction

Welcome to Mos Rola Enterprise Limited. By accessing or using our website, services, or products, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our services.

These Terms apply to all users, including visitors, customers, and business partners. We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of our services constitutes acceptance of the updated Terms.

2. Our Services

Mos Rola Enterprise provides financial services including but not limited to:

• Working Capital: Short-term funding for business operations
• Trade Financing: Import/export and inventory funding
• Project Funding: Large-scale project financing
• Asset Financing: Equipment and vehicle loans
• Investment: Wealth growth opportunities

All services are subject to eligibility, credit assessment, and applicable regulatory requirements.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a legal resident or registered business in Nigeria
• Provide accurate and complete information during the application process
• Have the legal capacity to enter into binding agreements

4. Loan Applications

When you apply for a loan or any financial product with Mos Rola Enterprise:

• You agree to provide truthful and accurate information
• You consent to credit checks and verification processes
• You authorise us to share your information with credit bureaus and regulatory bodies as required by law
• You understand that loan approval is subject to our assessment and discretion
• You agree to repay all amounts borrowed in accordance with the agreed terms

5. Repayment Obligations

By accepting a loan or financial product, you agree to:

• Make all repayments on time and in full
• Authorise automatic deductions from your designated bank account
• Notify us immediately of any changes to your financial circumstances
• Pay all applicable fees, interest, and charges as outlined in your loan agreement

Late payments may incur additional fees and may affect your credit rating. We encourage you to contact us immediately if you anticipate difficulty in making a payment.

6. Fees and Charges

All fees, interest rates, and charges will be clearly disclosed to you before you accept any loan or financial product. These may include:

• Interest charges as specified in your loan agreement
• Processing or origination fees
• Late payment penalties
• Early repayment fees (if applicable)

All fees are transparent and communicated in writing before you commit to any agreement.

7. Privacy and Data Protection

We are committed to protecting your privacy. Our collection and use of your personal information is governed by our Privacy Policy. By using our services, you consent to the collection and use of your information in accordance with that policy and the Nigeria Data Protection Regulation (NDPR).

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Mos Rola Enterprise Limited and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.

9. Limitation of Liability

To the fullest extent permitted by law, Mos Rola Enterprise Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services. Our total liability to you shall not exceed the total amount paid by you to us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless Mos Rola Enterprise Limited, its officers, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of your use of our services, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, if we believe you have violated these Terms, engaged in fraudulent activity, or failed to meet your repayment obligations.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Nigeria. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Lagos State, Nigeria.

13. Contact Us

If you have any questions about these Terms of Service, please contact us at: