Terms & Conditions
Welcome to the website of Aretas Investment & Loans Limited (“Aretas”, “we”, “our”, or “us”). These Terms & Conditions govern your access to and use of our website, services, loan application facilities, and other features made available through this website.
By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. If you do not agree with any part of these terms, please do not use the website.
1. About Aretas
Aretas Investment & Loans Limited is a Nigerian financial services company providing structured lending and financial solutions to eligible individuals, SMEs, businesses, and corporate organisations.
Our financing solutions may include:
- Business Loans
- Trade Finance
- LPO Financing
- Invoice Discounting
- Consumer Loans
- Salary Advance
All financing facilities are subject to applicable eligibility requirements, verification, credit assessment, approval, and specific loan terms.
2. Use of the Website
You agree to use this website only for lawful purposes and in accordance with these Terms & Conditions.
You must not:
- Provide false, inaccurate, or misleading information.
- Use the website for fraudulent or unlawful purposes.
- Attempt to gain unauthorised access to any part of the website or its systems.
- Interfere with the security or operation of the website.
- Submit an application on behalf of another person without proper authorisation.
- Upload malicious software, files, or content.
- Use information obtained from the website for unlawful purposes.
Aretas reserves the right to restrict or terminate access to the website where these terms are violated.
3. Loan Applications
Submitting a loan application through this website does not constitute approval or create an obligation on Aretas to provide financing.
All applications are subject to:
- Submission of the required information and documentation.
- Verification of the information provided.
- Credit and risk assessment.
- Aretas’ applicable lending criteria.
- Approval by the appropriate authority.
- Acceptance of the applicable offer and financing terms.
Aretas reserves the right to approve, decline, modify, or request additional information regarding any application.
4. Information Provided by Applicants
Applicants are responsible for ensuring that all information submitted through the website is accurate, complete, current, and authentic.
Depending on the applicant and loan product, information or documents may include:
Individuals
- Full name
- Date of birth
- Contact information
- Residential address
- BVN
- Valid government-issued identification
- Proof of income
- Bank statements
- Utility bill
- Passport photograph
- Employment letter
- Payslips
Businesses
- CAC registration documents
- Directors’ identification
- Company bank statements
- TIN
- Business address
- Financial records
- Financial statements
- LPOs or invoices, where applicable
Aretas may request additional information or documentation where necessary to assess an application.
5. Verification and Credit Assessment
By submitting an application, you authorise Aretas to verify the information and documents provided for the purpose of assessing your application.
This may include verification of identity, income, business information, financial information, and other relevant details.
Aretas may also conduct appropriate credit and risk assessments before making a lending decision.
6. Loan Terms and Interest
Where a loan application is approved, the applicable interest rate, fees, repayment schedule, tenor, collateral requirements, and other conditions will be communicated to the applicant before disbursement.
The information displayed on this website is for general information and may not represent the final terms applicable to an individual borrower.
For example, the stated business loan parameters are:
- Maximum loan amount: ₦5,000,000
- Interest rate: 5% per month
- Maximum tenor: 6 months
- Repayment: Structured monthly repayment
These parameters remain subject to eligibility, credit assessment, approval, and the applicable loan agreement.
7. Approval and Disbursement
Loan approval is not automatic.
Where an application is approved, the applicant may receive an offer letter setting out the applicable financing terms.
Funds will only be disbursed after the required conditions have been satisfied, including acceptance of the applicable offer and completion of required documentation.
Aretas may decline an application without being required to disclose confidential internal credit assessment criteria.
8. Repayment
Borrowers are required to repay all amounts due in accordance with the repayment schedule and terms contained in their loan agreement.
Failure to make repayments when due may result in applicable charges, recovery actions, or other consequences stated in the relevant loan agreement.
Early repayment may be permitted subject to the applicable loan terms.
9. Website Information
We make reasonable efforts to ensure that information published on this website is accurate and up to date.
However, website content is provided for general informational purposes and may be updated, changed, or removed without prior notice.
Information about loan products, rates, eligibility requirements, and other services may change from time to time.
The final terms applicable to any customer will be those contained in the relevant agreement or official documentation issued by Aretas.
10. Third-Party Services and Links
The website may contain links to third-party websites, platforms, or services.
These links may be provided for convenience and informational purposes. Aretas does not necessarily control or endorse the content, services, policies, or practices of third-party websites.
You access third-party websites at your own discretion and risk.
11. Intellectual Property
Unless otherwise stated, all content on this website, including:
- Logos
- Text
- Graphics
- Images
- Icons
- Designs
- Videos
- Website layouts
- Brand materials
is owned by or licensed to Aretas Investment & Loans Limited and is protected by applicable intellectual property laws.
You may not reproduce, modify, distribute, publish, or commercially exploit our website content without prior written permission.
12. Privacy and Data Protection
Aretas collects and processes personal information submitted through this website for legitimate business and service-related purposes, including loan application processing, verification, customer support, compliance, and service improvement.
Personal information will be handled in accordance with applicable Nigerian data protection and privacy requirements.
For more information about how we collect, use, store, and protect your information, please refer to our Privacy Policy.
13. Website Availability
We aim to keep the website available and operational. However, we do not guarantee that the website will always be available, uninterrupted, secure, or free from errors.
Access may occasionally be interrupted due to:
- Maintenance
- Technical issues
- System upgrades
- Network failures
- Security incidents
- Circumstances beyond our reasonable control
Aretas shall not be responsible for losses arising solely from temporary website unavailability, subject to applicable law.
14. Limitation of Liability
To the extent permitted by applicable law, Aretas shall not be liable for losses arising from:
- Reliance on general information published on the website.
- Temporary website interruptions.
- Unauthorised access caused by circumstances outside our reasonable control.
- Third-party websites or services.
- Incorrect information supplied by an applicant.
- Failure by an applicant to comply with applicable loan terms.
Nothing in these Terms & Conditions is intended to exclude liability that cannot lawfully be excluded.
15. Indemnity
You agree to indemnify Aretas Investment & Loans Limited against reasonable claims, losses, liabilities, damages, or expenses arising from your unlawful use of the website, violation of these Terms & Conditions, or submission of fraudulent, inaccurate, or misleading information.
16. Changes to These Terms
Aretas may update these Terms & Conditions from time to time to reflect changes to our services, operations, technology, or applicable requirements.
Updated terms will be published on this website with a revised “Last Updated” date.
Your continued use of the website after changes have been published constitutes acceptance of the updated Terms & Conditions.
17. Governing Law
These Terms & Conditions shall be governed by and interpreted in accordance with the laws applicable in the Federal Republic of Nigeria.
Any dispute arising from the use of this website or the services provided by Aretas shall be handled in accordance with applicable Nigerian laws and dispute resolution procedures.
18. Regulatory and Compliance Information
Aretas Investment & Loans Limited is committed to conducting its activities in accordance with applicable Nigerian laws, regulations, and statutory requirements.
Relevant registrations, licences, certifications, and regulatory approvals will be displayed on the website where applicable and once issued or confirmed.
Important: Any licence or regulatory approval described as “pending”, “upon issuance”, or otherwise not yet issued must not be presented as an active licence.
19. Contact Us
If you have questions about these Terms & Conditions or our services, please contact us:
Aretas Investment & Loans Limited
3/5 Adeyemo Alakija Street,
Victoria Island, Lagos, Nigeria.
Business Hours:
Monday to Friday, 8:00 AM to 4:00 PM
Phone: +234 704 147 4431
Email: info@aretasfinance.com
Website Disclaimer
Loan approval is subject to Aretas Investment & Loans Limited’s eligibility, verification, credit and risk assessment criteria. Submitting an application does not guarantee approval. All applicable interest, fees, repayment obligations, collateral requirements and other terms will be disclosed to the applicant before disbursement.