Terms And Conditions

TERMS AND CONDITIONS

Effective Date: February 26, 2026

Please read these Terms and Conditions (“Terms”) carefully before using the TopLoans website (the “Service”) operated by TopLoans (“us”, “we”, or “our”).

1. Acceptance of Terms

By accessing or using TopLoans, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.

2. Description of Service

TopLoans is a loan comparison platform. We provide information about various loan products offered by third-party lenders (e.g., Cashx, Newcredit, Kuda, etc.).

• We are NOT a lender. * We do not issue loans, make credit decisions, or guarantee loan approval.
• All financial transactions and loan agreements occur directly between you and the third-party lender.

3. Accuracy of Information

While we strive to provide up-to-date and accurate information regarding interest rates, loan amounts, and terms:

• Financial data changes frequently.
• We do not warrant the accuracy, completeness, or timeliness of the information on our site.
• You should verify all terms directly with the lender before signing any agreement.

4. Eligibility

By using this Service, you represent that:

• You are at least 18 years of age.
• You are a legal resident of the jurisdiction where the loan services are offered (e.g., Nigeria).
• All information you provide through our forms or calculators is accurate and truthful.

5. Third-Party Websites & Services

Our Service contains links to third-party websites. If you click on a lender’s link (e.g., “Apply Now”), you will be directed to their site.

• We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites.
• You acknowledge that TopLoans shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of third-party services.

6. Limitation of Liability

To the maximum extent permitted by law, TopLoans and its team shall not be liable for any indirect, incidental, special, or consequential damages resulting from:

• Your use or inability to use the Service.
• Any loan agreement or financial loss incurred with a third-party lender.
• Unauthorized access to your data.

7. Intellectual Property

The Service and its original content, features, and functionality (including CSS, design, and logos) are and will remain the exclusive property of TopLoans.

8. User Responsibilities

• You are responsible for evaluating the suitability of any loan product.
• You agree not to use the Service for any unlawful purpose or to spread fraudulent information.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Your continued use of the website after any changes constitutes acceptance of the new Terms.