Terms and Conditions

1. Introduction

Welcome to Liquidity. These Terms and Conditions govern your use of our micro-mortgage platform and services. By accessing or using our services, you agree to be bound by these terms. If you do not agree with any part of these terms, please do not use our services.

2. Eligibility

To be eligible for our services, you must:

• Be at least 18 years of age
• Be a Nigerian citizen or resident
• Have a valid means of identification (BVN, NIN, or International Passport)
• Have a verifiable source of income
• Provide accurate and complete information during the application process

3. Loan Application and Approval

When you submit a loan application:

• All information provided must be accurate and truthful
• We reserve the right to verify all information provided
• Loan approval is at our sole discretion based on our assessment criteria
• We aim to process applications within 24 hours but do not guarantee approval timeframes
• Approved loans require payment of a non-refundable processing fee of ₦5,000

4. Loan Terms

5. Repayment

Borrowers agree to:

• Make monthly repayments on the agreed schedule
• Ensure sufficient funds are available for automatic deductions
• Notify us immediately of any payment difficulties
• Understand that late payments may incur additional fees and affect credit standing

6. Default and Consequences

In the event of default or late payment:

• A late payment fee of 5% of the outstanding amount will be charged
• Your account may be reported to credit bureaus
• We may take legal action to recover outstanding debts
• Future loan applications may be declined

7. Data Privacy

We are committed to protecting your personal information. By using our services, you consent to the collection, use, and storage of your data as outlined in our Privacy Policy. We implement industry-standard security measures to protect your information.

8. Disbursement

Upon loan approval and receipt of the required deposit and processing fee, funds will be disbursed directly to the landlord or developer within 2-3 business days. We do not disburse funds directly to borrowers.

9. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

10. Governing Law

These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these terms will be resolved in the courts of Nigeria.

11. Contact Information

For questions or concerns about these Terms and Conditions, please contact us at: