Terms & Conditions
Please read these terms and conditions carefully before using our services.
Agreement to Terms
By accessing and using the services of UT Financial Services Nigeria Limited, you accept and agree to be bound by the terms and provision of this agreement. These terms apply to all visitors, users, and others who access or use our services.
Our Services
Loan Products
- • Business loans and working capital
- • Personal and social loans
- • Auto and equipment financing
- • Market borrowing solutions
Advisory Services
- • Financial planning and consultation
- • Investment advisory services
- • Risk management solutions
- • Corporate financial advisory
Eligibility Requirements
To be eligible for our services, you must meet the following criteria:
- Be at least 18 years of age or the age of majority in your jurisdiction
- Provide accurate and complete information during application
- Meet our creditworthiness and income requirements
- Comply with all applicable laws and regulations
User Responsibilities
Important Notice
You are responsible for maintaining the confidentiality of your account information, making timely payments, and notifying us immediately of any unauthorized use of your account or any other breach of security.
Your Obligations
- • Provide accurate and truthful information
- • Make payments according to agreed terms
- • Notify us of changes to your circumstances
- • Use our services for lawful purposes only
- • Maintain adequate insurance where required
Interest Rates & Fees
Rate Information
- • Business loans: 5% monthly on reducing balance (max 6 months)
- • Personal loans: 5% monthly on reducing balance (6-8 months)
- • Auto/Equipment loans: 3-4% monthly on reducing balance (6-24 months)
- • All rates are subject to credit assessment and approval
Limitation of Liability
UT Financial Services Nigeria Limited shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of our services.
Governing Law
These terms shall be interpreted and governed 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 Nigerian courts.
Contact Us
If you have any questions about these Terms & Conditions, please contact us: