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Noslen Terms of Use

Introduction.

These Terms of Use (“Terms”) govern your access to and use of the Noslen Capital Ltd website, www.noslencapital.comincluding its content, features, services, user account functions, enquiry facilities, and links to related services and applications. The website is operated by Noslen Capital Ltd, a fully registered Nigerian company providing financial services including lending and investment-related services.

By accessing, browsing, registering on, or using this website, you acknowledge that you have read, understood, and agreed to these Terms.

If you do not agree with these Terms, you should discontinue use of the website. These Terms should be read together with our applicable Privacy Policy and any specific terms, agreements, disclosures, or conditions applicable to a particular financial product or service.

ABOUT NOSLEN CAPITAL LTD

Noslen Capital Ltd provides financial services including:

Salary Advance Loans;.
Payday Loans;
SME and Business Loans;
Business Financing;
Investment services;
Savings or contribution-related services, where applicable; and
Other financial products and services that may be introduced from time to time.

The availability of any particular product or service may depend on applicable eligibility requirements, assessment procedures, regulatory requirements, and the terms applicable to that product.

ELIGIBILITY

To use certain services provided through our website, application, or other digital channels, you must satisfy the applicable eligibility requirements for the relevant service. Unless otherwise stated, users applying for financial products must be at least 18 years old and legally capable of entering into the relevant agreement.

Additional eligibility requirements may apply depending on the financial product, including requirements relating to employment, income, business activity, identification, creditworthiness, repayment capacity, guarantors, collateral, or other relevant factors. Meeting the basic eligibility requirements does not guarantee approval.

Submit enquiries;
Create and access user accounts;
Obtain information about available financial products;
Access links or information relating to our mobile application;
Communicate with customer support;
Access social-media channels;
Submit information required for service enquiries or applications; and
Access other features that we may introduce.

Share info on Noslen Capital Ltd products/services.
Analyse customer data to improve services and marketing.
Work with third parties (with safeguards) for analytics and profiling.

Certain financial services may be available through the Noslen Capital mobile application or by visiting one of our offices.

Submitting an application or enquiry does not constitute an approval, commitment, or guarantee that Noslen Capital Ltd will provide a loan.

All loan applications are subject to assessment and approval in accordance with our applicable policies, eligibility criteria, regulatory requirements, and the terms of the relevant financial product.

Our assessment may consider factors including:

Applicant identity;
Employment and income;
Salary or other sources of income;
Existing financial obligations;
Credit history or credit-related information where applicable;
Business activities and records;
Character and willingness to repay;
Guarantors;
Security or collateral;
Information provided by the applicant; and
Other information reasonably required for responsible lending.

We reserve the right to approve, decline, or request additional information in relation to an application, subject to applicable law and regulatory requirements.

Amount of the loan;
Interest rate
Applicable fees and charges
Repayment amount;
Repayment frequency
Repayment period;
Applicable penalties or charges
Guarantor requirements; and
Other material terms and conditions.

The specific terms contained in the applicable loan agreement or product documentation will govern the relevant transaction.

INTEREST, FEES AND CHARGES

Interest rates, fees, charges, repayment obligations, and other applicable costs may vary depending on the financial product and the applicant's circumstances.

All material charges applicable to a financial product will be disclosed in accordance with applicable law and regulatory requirements.

Users should carefully review the applicable product information and loan agreement before accepting a financial facility.

No information on the website should be interpreted as guaranteeing a particular interest rate, loan amount, repayment amount, or fee unless expressly stated as applicable to the relevant product.

Making repayments when due;
Providing accurate payment information;
Maintaining sufficient funds where an authorised repayment method requires it;
Informing Noslen Capital of relevant changes that may affect repayment; and
Complying with all applicable terms of the loan agreement.

Failure to repay a loan as agreed may result in applicable consequences set out in the relevant agreement and permitted by law.

Noslen Capital will conduct recovery activities in accordance with applicable laws, regulatory requirements, contractual rights, and consumer-protection standards

GUARANTORS, SECURITY AND COLLATERAL

Certain financial products may require guarantors, post-dated cheques, collateral, existing assets, or other forms of security.

Where applicable, the specific requirements will be communicated to the applicant before the relevant transaction is concluded.

A guarantor or security provider may have separate legal obligations under the applicable agreement or documentation.

Applicants should carefully review all relevant documents before providing a guarantee or security.

Existing business operations;
Business revenue;
Business records
Existing capital;
Bank or financial records
Assets;
Guarantors
Security or collateral; and
Other information reasonably required to assess the application.

Business financing is subject to assessment and approval and is not guaranteed by submitting an enquiry or application

INVESTMENT SERVICES

Noslen Capital Ltd may provide investment-related products or opportunities subject to the applicable product terms and regulatory requirements.

Information published on the website regarding investments is provided for general informational purposes unless expressly stated otherwise

Before committing funds to an investment product, users should carefully review the applicable investment documentation, including information concerning

Investment amount;
Applicable returns or interest;
Investment duration;
Applicable fees or charges;
Risks;
Withdrawal or redemption conditions; and
Other material terms.

Past performance or stated historical returns, where applicable, do not constitute a guarantee of future performance.

Where a particular investment product is subject to regulatory restrictions, eligibility requirements, or additional documentation, those requirements will apply.

If you have questions or concerns about this Privacy Policy, don't hesitate to get in touch with us at:

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Terms of Use

Noslen Terms of Use

ABOUT NOSLEN CAPITAL LTD

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ELIGIBILITY

WEBSITE AND DIGITAL SERVICES

Additional Legitimate Interests

LOAN APPLICATIONS AND APPROVAL

LOAN PRODUCTS

INTEREST, FEES AND CHARGES

REPAYMENT OBLIGATIONS

GUARANTORS, SECURITY AND COLLATERAL

BUSINESS AND SME FINANCING

INVESTMENT SERVICES

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