Effective Date: 28 November 2024
Please read these terms of use, terms of service and general terms (the “terms”) carefully before using our site and creating an account to use our services.
Section 1
TERMS OF USE and GENERAL TERMS) apply to anyone who uses our website, including our online portal accessed via the website (“Portal”) (together, our “Site”). Section 2 (TERMS OF SERVICE) also applies to anyone who registers to apply for and use any of the products or services offered by Influence Capital (“Services”) via the Portal.
1.0
This application is operated by Influence Capital Limited. throughout the website, the terms “we”, “us” and “our” refer to Influence Capital Limited. Influence Capital Limited offers this application, including all information, tools and services available from this website to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here. By visiting our website and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”).
These Terms of Service apply to all users of the website, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content. Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the website, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service. Any new features or tools which are added to the current website shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.
By agreeing to these Terms of Service, you represent that you are at least the age of majority in your country, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this website. You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws). You must not transmit any worms or viruses or any code of a destructive nature. Breach or violation of any of the Terms will result in an immediate termination of your Services.
We reserve the right to refuse service to anyone for any reason at any time. You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us. The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.
We are not responsible if information made available on this website is not accurate, complete or current. The material on this website is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this website is at your own risk. This website may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this website at any time, but we have no obligation to update any information on our website. You agree that it is your responsibility to monitor changes to our website.
Interest rates of our products are subject to change without notice. We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.
We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this website is void where prohibited. We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.
We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per student or per order. These restrictions may include orders placed by or under the same customer account, the same student, and/or orders that use the same billing address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e- mail and/or billing address/phone number provided at the time the order was made. You agree to provide current, complete and accurate account information for all applications made at our website. You agree to promptly update your account and other information, including your email address and card numbers and expiration dates, so that we can complete your transactions and contact you as needed.
We may provide you with access to third-party tools over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools. Any use by you of optional tools offered through the website is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s). We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.
Certain content, products and services available via our Service may include materials from third-parties. Third-party links on this website may direct you to third-party apps/websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or apps/websites, or for any other materials, products, or services of third-parties. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party apps/websites. Please review carefully the third- party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.
We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free. We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable. You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you. You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non- infringement.
You can review the most current version of the Terms of Service at any time at this page. We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.
These terms (“Terms of Service”) are for account holders and loan applicants and are provided on behalf of Influence Loan Scheme and its affiliates. When you register to apply and use any of the Services offered by Influence Loan Scheme by accessing the Portal you signify that you have read, understand, and agree to be bound by these Terms of Service. Please read these Terms of Service very carefully. If you do not wish to be bound by these Terms of Service, you should not access the Portal or register for any of our Services.
In addition to these Terms of Service, you may enter into other agreements with us that will govern your use of the Services offered on the Site. If there is any contradiction between these Terms of Service and another agreement you enter into that is applicable to a Service offered on the Site then the other agreement will take precedence as it applies to the Service.
If you are not an account holder or loan applicant this Section 2 does not apply to you.
2.1 Eligibility
The Portal is intended solely for users who are 16 years of age or older, and any registration or use of the Portal by anyone under 16 years of age is unauthorized and in violation of these Terms of Service. By using the Portal, you represent you are 16 years of age or older and that you agree to and will abide by all of the terms and conditions of these Terms of Service. The Portal is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
2.2 Registration and application
You may be presented with the opportunity to register for an account and/or apply to use our Services on the Portal. When you register for an account or apply to use our Services, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, we have the right to cancel or withdraw your registration, reject any application you have submitted, terminate any agreement we have with you, and restrict your future use of the Portal and our Services. We reserve the right to reject any registration and/or decline any application for a loan. If you have submitted multiple loan applications with the same or different email addresses and accepted our provisional loan offer for one of the applications, we will automatically withdraw all the other loan applications, as you are only permitted to proceed with one loan application after accepting our provisional loan offer. You agree not to continue with or to actively withdraw from all other loan applications made with the same or other email addresses and otherwise inform us of all the email addresses that you have used to make the loan applications.
2.3 Your content and information sharing
By providing information or content on the Portal or in connection with the Services, you expressly agree to all of the following:
You grant us a non-exclusive, transferable, sub-licensable, royalty-free, worldwide license to use any information or content that you provide in connection with your use of the Portal or Services forever, subject to the privacy provisions described in our Privacy Policy. We have the right to review, delete, edit, modify, reformat, excerpt, or translate any of your information or content.
You are solely responsible for the content and information you make available through or in connection with the Portal or Services.
All the information and content posted on the Portal or privately transmitted through the Portal or via other means in connection with the Services is the sole responsibility of the person from which that content originated. We will not be responsible for any errors or omissions in any information or content posted by a user.
2.4. Your license
Subject to these Terms of Service, Influence Capital grants you a personal, non-exclusive, non-transferable, limited, and revocable license to access the Portal for personal, not commercial use (“Your License”).
2.5. Restrictions on use
In addition to these Terms of Service, you agree to abide by all applicable laws and regulations in your use of the Portal and Services. In addition, you agree that you will not do any of the following:
- register for more than one account or continue with more than one loan application, after you have accepted our provisional offer for a loan, unless instructed to do so by us in connection with a new loan application;
- register for an account, make or submit any loan application or other application to use the Services of Influence Capital Limited on behalf of an individual other than yourself or on behalf of any group or entity;
- post or otherwise make available content or take any action on the Portal, that may constitute libel or slander, that infringes or violates someone else’s rights, that violates any copyright or trademark protections, or otherwise violates the law;
- post or otherwise make available content that in our judgement is objectionable, such as content that is harmful, threatening, inflammatory, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or otherwise objectionable, which restricts or inhibits any other person from using or enjoying the Portal, or which may expose us or our users to any harm or liability of any type;
- post or otherwise make available any unsolicited or unauthorised advertising, solicitations, promotional materials, or any other form of solicitation;
- use the information or content on our Portal to send unwanted messages to any other user;
impersonate any person or entity or falsely state or otherwise misrepresent yourself, your age, or your affiliation with any person or entity; - post or otherwise make publicly available on the Portal any personal or financial information of any third party;
- solicit personal information from anyone under 16 years of age or solicit passwords or personal information for commercial or unlawful purposes;
- use the Portal or Services in any manner that could damage, disable, overburden, or impair the Portal, the Site or systems of Influence Capital;
- use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” to access content or systems of Influence Capital;
- harvest or collect email addresses or other contact information of our users from the Portal by electronic or other means, including via the use of automated scripts; or
- post or otherwise make available any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of the Portal or any computer software or hardware or telecommunications equipment.
2.7. Responsibility for your account
When you successfully register with us you will be required to create an account on the Portal. When you create an account, you can choose your own preferred name, email address and password as part of our security procedures. You acknowledge and agree that you are responsible for maintaining the confidentiality of such information, and to keep it safe and not disclose it to any third party or allow any third party to use your information and access our Portal. Influence Capital is not responsible for any losses resulting from the loss or theft of your device or the loss or theft of your information transmitted from or stored on your devices.
For your own safety, Influence Capital does not have access to your user log-in information. If you have forgotten any of your user log-in information or know or suspect that anyone other than you knows your user identification code or password, you must promptly change your log-in information, by using our reset password functionality on the log-in page or by contacting us at influencecap@gmail.com to lock your account and/or change your password. We have the right to disable or lock any user profile, at any time, if in our reasonable opinion you have failed to comply with any of the provisions of these Terms.
2.7. Termination of your license
Influence Capital reserves the right, in its sole discretion, to terminate Your License or user account, delete your loan listing and any content or information that you have posted on the Portal, prohibit you from using or accessing the Portal or the Services and/or assert legal action with respect to your content or use of the Portal or Services that Influence Capital reasonably believes is or might be in violation of the Terms or Service, additional terms and conditions, or other Influence Capital policies. Influence Capital failure or delay in taking such actions does not constitute a waiver of its rights to enforce the Terms of Service or the terms of any Service.
Questions about the Terms of Service and term of use should be sent to us at influencecap@gmail.com
CONDITIONS FOR GRANTING THE LOAN
Applicant must be a student of a private university under our loan scheme
Applicant loan conditions and interest rate depends on the school applicant is applying from
Applying from a partnered school;
Applicant is entitled to a maximum sum of 1 million naira if applying from a partner school
Applicant does not collateral
Applicant needs a cosignor
Applicant interest rate is 20% for 6 months and 35% for 1 year
Applicant must fill out mandatory forms along with cosignor
Applicant must have a CGPA of above 2.5
Applicant must pass the security check done at the school
Applicant should be aware that failure to make full repayment of the loan will come with penalty fees and issues with future school clearance
Applying from an unpartnered school;
Applicant is entitled to a maximum sum of 1 million naira if applying from an unpartner school
Applicant does not collateral
Applicant needs a cosignor and an undertaking ( cosignor must be a high level staff or lecturer in the school, a banker, government worker or must have worked in a recognized private organization for atleast 5 years)
Applicant interest rate is 25% for 6 months and 40% for 1 year
Applicant must fill out mandatory forms along with cosignor
Applicant must have a CGPA of above 3.0
Applicant must pass the security check done at the school
Applicant should be aware that failure to make full repayment of the loan will come with penalty fees and in extreme cases legal means of reconciliation