Terms & Conditions

1. Acceptance of Terms

By accessing and using OWODE Digital Services LTD's website and services, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Account Registration

To access our services, you must:

• Provide accurate and complete information during registration
• Be at least 18 years of age
• Be a Nigerian citizen or legal resident
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized use of your account

3. Financial Services

OWODE Digital Services LTD provides the following financial services:

• Savings accounts with competitive interest rates
• Personal and business loans
• Agent banking services
• Financial advisory services

All services are subject to approval and compliance with our internal policies and Nigerian financial regulations.

4. Interest Rates and Fees

Interest rates and fees are subject to change at our discretion. We will provide advance notice of any changes through email or platform notifications. Current rates and fees are available on our website and will be communicated during account opening.

5. Loan Terms

For loan services:

• Loan approval is subject to credit assessment
• Repayment terms will be clearly stated in your loan agreement
• Late payment fees may apply for overdue payments
• Early repayment is allowed without penalties

6. Privacy and Data Protection

We are committed to protecting your privacy and personal information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

7. Prohibited Activities

You agree not to use our services for:

• Any illegal or fraudulent activities
• Money laundering or terrorist financing
• Gambling or other prohibited transactions
• Violating any applicable laws or regulations

8. Limitation of Liability

OWODE Digital Services LTD 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.

9. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

10. Governing Law

These Terms shall be interpreted and governed by the laws of the Federal Republic of Nigeria. Any disputes arising from these terms shall be resolved in Nigerian courts.

11. Contact Information

If you have any questions about these Terms & Conditions, please contact us at: