Last Updated: [11/2/2026]
Welcome to [topgist.com.ng]. By accessing and using this website, you agree to comply with and be bound by the following Terms and Conditions. If you do not agree with any part of these terms, please do not use this website.
1. Use of Website
This website provides general information related to finance, loans, credit products, and financial education. The content is for informational purposes only and should not be considered professional financial, legal, or investment advice.
You agree to use this website only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use of the website.
2. No Financial Advisory Relationship
[topgist.com.ng] is not a bank, lender, broker, or licensed financial advisor. We do not issue loans, provide credit services, or make lending decisions.
Your use of this website does not create any advisory, fiduciary, or professional relationship between you and the website owner.
3. Accuracy of Information
We strive to provide accurate and up-to-date information. However, financial products, loan terms, interest rates, and eligibility requirements may change without notice.
We do not guarantee the completeness, reliability, or accuracy of any information published. Users are responsible for verifying information directly with official financial institutions or service providers.
4. User Responsibility
You acknowledge that any financial decision you make based on information from this website is done at your own risk. We are not liable for any financial losses, credit damage, or other consequences resulting from the use of our content.
5. Intellectual Property
All content on this website, including text, graphics, logos, and design elements, is the property of [topgist.com.ng] unless otherwise stated.
You may not reproduce, distribute, modify, or republish any content without prior written permission.
6. Third-Party Links
This website may contain links to third-party websites, including banks, lenders, or financial service providers.
We do not control and are not responsible for the content, privacy practices, or services of any third-party websites. Accessing such websites is done at your own discretion.
7. Advertising & Affiliate Disclosure
This website may display advertisements through third-party advertising networks, including Google AdSense.
We may also participate in affiliate marketing programs, which means we may earn commissions if users click on certain links and complete transactions. This does not affect the price you pay.
We aim to provide objective and unbiased information regardless of advertising relationships.
8. Limitation of Liability
Under no circumstances shall [topgist.com.ng] be liable for any direct, indirect, incidental, or consequential damages resulting from the use or inability to use this website.
This includes, but is not limited to, financial losses, credit impact, or data loss arising from reliance on information provided.
9. Privacy
Your use of this website is also governed by our Privacy Policy, which explains how we collect and use personal information.
10. Modifications to Terms
We reserve the right to update or modify these Terms and Conditions at any time without prior notice. Continued use of the website after changes are posted constitutes acceptance of the updated terms.
11. Governing Law
These Terms and Conditions shall be governed by and interpreted in accordance with the laws applicable in your jurisdiction.
12. Contact Information
If you have any questions regarding these Terms and Conditions, please contact us at:
Email: [denisreeal@gmail.com]
Website: [https://topgist.com.ng]