Welcome to Fintrak Limited. By accessing, browsing, or using our website, mobile application, and financial services, you agree to comply with and be bound by the following Terms & Conditions. Please read them carefully before using our platform.

If you do not agree with these terms, kindly discontinue the use of our services.

1. Introduction

Fintrak Limited provides digital payment solutions, loan and financing services, global remittances, and fintech technology products. These Terms & Conditions govern your use of our website, apps, and all associated services.

By creating an account or using our services, you acknowledge that:

• You have read and understood these terms

• You are legally capable of entering into a contract

• You provide accurate and truthful information

2. Eligibility

To use Fintrak Limited’s services, you must:

• Be at least 18 years old

• Have valid identification documentation

• Provide verifiable contact information

• Use the platform only for lawful purposes

We reserve the right to approve or decline access to any service based on our compliance and verification checks.

3. Account Registration & Security

When creating an account, you agree to:

• Provide accurate and updated information

• Keep your login credentials confidential

• Notify us immediately of unauthorized access

• Accept responsibility for all activities carried out under your account

Fintrak Limited is not responsible for losses resulting from compromised passwords or unauthorized use caused by negligence.

4. Use of Services

You agree not to:

• Misuse or abuse any payment, remittance, or loan service

• Use the platform for fraudulent or illegal activities

• Send false information or impersonate another person

• Interfere with security features or access other users’ accounts

We may suspend or terminate access to our services if any of the above rules are violated.

5. Payment Services

Our payment services allow users to make secure transactions online, in-store, or through integrated financial tools.
By using these services, you agree that:

• All transactions are subject to verification

• Transaction processing times may vary

• Fees may apply depending on the service type

• Failed or reversed payments due to insufficient funds or errors are your responsibility

Fintrak Limited is not liable for merchant errors, third-party payment failures, or delays caused by external systems.

6. Loan & Financing Services

By applying for a loan through Fintrak Limited, you agree that:

• Approval is subject to credit assessment, eligibility checks, and internal review

• Interest rates, repayment schedules, and fees will be fully disclosed before acceptance

• You must repay loans within the agreed timeline

• Late or missed payments may attract additional charges

• Providing false information may lead to account termination or legal action

Fintrak Limited reserves the right to modify loan terms or decline applications based on risk analysis.

7. Global Remittance Services

Using our international money transfer services means you agree that:

• Transfer limits, fees, and currency exchange rates apply

• Delivery times may vary depending on recipient country, verification, or third-party partners

• Incorrect recipient information may cause transfer delays or failure

• Compliance checks may require additional documentation

We are not responsible for delays caused by regulatory restrictions, bank failures, or force majeure events.

8. Fees & Charges

Fintrak Limited may charge:

• Service fees

• Processing fees

• Penalties for late loan repayment

• Conversion or remittance charges

All applicable charges will be clearly displayed before completing any transaction.

9. Privacy & Data Protection

Your data privacy is important to us. By using our services, you consent to:

• The collection and use of your personal information for service delivery

• Verification, compliance, and security checks

• Sharing required information with government or financial institutions when legally necessary

We do not sell or disclose your data to third parties for advertising.

10. Intellectual Property Rights

All content on the Fintrak Limited platform—including text, graphics, logos, designs, and software—is owned by or licensed to us.

You may not:

• Copy

• Modify

• Reproduce

• Distribute

• Reverse-engineer

Any part of our platform without written consent.

11. User Obligations

You agree to:

• Use our services responsibly

• Provide accurate details during transactions

• Comply with local and international financial regulations

• Maintain updated account information

Failure to do so may result in service restrictions or account suspension.

12. Third-Party Services

Some features may integrate with external platforms such as:

• Payment processors

• Banking APIs

• Remittance partners

• Verification bodies

Fintrak Limited is not responsible for service failures caused by third-party providers.

13. Limitation of Liability

Fintrak Limited is not liable for:

• Losses due to network failures, delays, or technical errors

• Mistakes caused by users (wrong account details, incorrect transfers, etc.)

• Losses resulting from unauthorized access due to user negligence

• Third-party platform failures

Our maximum liability is limited to the value of the last transaction completed with us.

14. Suspension & Termination

We may suspend or terminate your access if:

• Fraudulent activity is suspected

• You violate these terms

• Regulatory bodies request compliance action

• Your information cannot be verified

Upon termination, all pending fees or loan balances remain payable.

15. Amendments to Terms

Fintrak Limited reserves the right to update or modify these terms at any time. Changes will be posted on our website with an updated date.

Continued use of our services means you accept any revised terms.

16. Governing Law

These Terms & Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in accordance with Nigerian legal procedures.

17. Contact Information

For support, complaints, or inquiries, please reach us:

Email: info@fintraklimited.com
Phone: +234 707 644 6813
Address: C121, HF Estate, Kuje, FCT