Terms of Service

1. Acceptance of Terms

By accessing or using Thawig Multiconcept's loan services, you agree to be bound by these Terms of Service. If you do not agree, please do not use our services.

2. Eligibility

You must be at least 18 years of age and a Nigerian citizen or legal resident. You must provide accurate and complete information during the application process.

3. Loan Terms

All loans are subject to approval based on our credit assessment criteria:

• Interest rates are competitive and CBN-regulated
• Late payments may incur additional charges
• Early repayment is allowed without penalty

4. User Obligations

You agree to provide truthful information, make timely repayments, and not use our services for any illegal purposes. Fraudulent activity will be reported to authorities.

5. Limitation of Liability

Thawig Multiconcept shall not be liable for any indirect, incidental, or consequential damages arising from the use of our services.

6. Changes to Terms

We reserve the right to modify these terms. Continued use of our services constitutes acceptance of updated terms.

7. Contact

Questions? Email us at support@thawigmulticoncept.com.