Terms of Service

Placeholder copy Every section below is scaffolding, not legal text. Replace the whole body with your reviewed Terms of Service before this page goes live. The headings are a suggested structure only — add, remove or reorder them as your terms require.

Last updated: [DATE TO BE CONFIRMED]

1. About these terms

[PLACEHOLDER] State that these terms govern use of this website and set out the relationship between the visitor and Fancrest Investment Limited (RC 8961606).

2. Who provides the lending

[PLACEHOLDER] Make clear that lending is operated by Fancrest Thrift and Credit Cooperative Society Ltd (FTCCSL), that loans are issued to members, and that cooperative membership is a precondition of borrowing.

3. Information on this website

[PLACEHOLDER] Explain that rates, amounts and worked examples published here are indicative and for illustration, and that the binding terms of any facility are those in the signed loan agreement.

4. Eligibility and applications

[PLACEHOLDER] Set out who may apply, what is required, and that submitting an enquiry does not create an obligation to lend or guarantee approval.

5. Fees and charges

[PLACEHOLDER] Confirm the published position — cooperative membership is ₦5,000 per year and non-refundable — and state any other charges that apply.

6. Collateral, guarantors and default

[PLACEHOLDER] Describe the security arrangements, the guarantor's obligations, and the consequences of default, consistent with the signed agreement.

7. Acceptable use of this website

[PLACEHOLDER] Prohibit misuse, unauthorised access, and submission of false information through the enquiry form.

8. Intellectual property

[PLACEHOLDER] Reserve ownership of the site's content, branding and imagery.

9. Third-party services

[PLACEHOLDER] Note that the Contact page embeds a Google Map and that the enquiry form is delivered by a third-party form provider, each subject to its own terms.

10. Limitation of liability

[PLACEHOLDER] Set out the limits of liability to the extent permitted by Nigerian law.

11. Governing law

[PLACEHOLDER] Confirm that these terms are governed by the laws of the Federal Republic of Nigeria and identify the forum for disputes.

12. Contact us

[PLACEHOLDER] Confirm the channel for questions about these terms. Current published details are fancrestcooperative@gmail.com and 07040208070, at Suite G019, Area 3 Neighborhood Shopping Complex, Garki, Abuja.