Terms of Service

Welcome to Lonero.ng. By accessing or using our website, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website.

1. About Our Service

Lonero.ng is an informational website that provides reviews, comparisons, and educational content about loan apps in Nigeria. We are NOT a lender and do not provide loans directly.

Our website helps users compare loan apps and make informed decisions. Any loan applications are made directly with the respective loan app providers, not through us.

2. Disclaimer

The information on Lonero.ng is provided for general informational purposes only.

• We strive for accuracy but cannot guarantee that all information is complete, current, or error-free
• Interest rates, loan terms, and other details may change without notice
• We are not responsible for decisions made based on information from our website
• Always verify terms and conditions directly with lenders before applying

3. Not Financial Advice

Nothing on this website constitutes financial, legal, or professional advice. Our content is educational and informational only. Before making any financial decisions, we recommend consulting with a qualified financial advisor.

4. Affiliate Relationships

Lonero.ng participates in affiliate programs with some loan apps. This means:

• We may earn commissions when you click links and apply for loans
• Affiliate relationships do not influence our reviews or ratings
• We clearly disclose sponsored content and advertisements
• Our recommendations are based on merit, not commission rates

5. User Conduct

When using our website, you agree not to:

• Use the site for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the website's operation
• Scrape or copy content without permission
• Submit false information through contact forms
• Use automated tools to access the site excessively

6. Intellectual Property

All content on Lonero.ng, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

You may view, download, and print content for personal, non-commercial use only. Any other use requires our prior written permission.

7. Third-Party Links

Our website contains links to third-party websites (loan apps, advertisers, etc.). We are not responsible for:

• The content or accuracy of third-party sites
• Their privacy practices or terms of service
• Any transactions you conduct with them
• Any loss or damage arising from your use of their services

8. Limitation of Liability

To the fullest extent permitted by law, Lonero.ng and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our website
• Any errors or omissions in our content
• Unauthorized access to your personal information
• Any loans or financial products you obtain through linked services

9. Indemnification

You agree to indemnify and hold harmless Lonero.ng and its operators from any claims, damages, or expenses arising from your violation of these terms or your use of our website.

10. Changes to Terms

We may modify these Terms of Service at any time. We will notify users of material changes by posting the updated terms on this page. Your continued use of the website after changes constitutes acceptance of the new terms.

11. Governing Law

These Terms of Service are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of Lagos State, Nigeria.

12. Contact

For questions about these Terms of Service, please contact us at:

• Email: legal@lonero.ng