• Terms & Conditions

Terms & Conditions for Anchor Credit Limited

Effective Date: September 2025.

1. Introduction

Welcome to Anchor Credit Limited (“we”, “us”, “our”). By accessing or using our website (https://anchorcreditltd.com) or any of our products and services, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using our platform. If you do not agree with any part of these terms, you must not use our website or services.

2. Use of Our Services

You agree to use our website and services only for lawful purposes and in compliance with all applicable laws and regulations. You are responsible for ensuring that the information you provide is accurate, complete, and current. Misrepresentation or misuse of our services may result in suspension, termination, or legal action.

3. Eligibility

To use our services, you must be at least 18 years old and legally capable of entering into binding contracts. By using our services, you represent that you meet these requirements.

4. Account Registration

Some of our services may require account creation. You are responsible for maintaining the confidentiality of your account details, including passwords, and for all activities that occur under your account. Notify us immediately if you suspect unauthorized use of your account. We are not liable for any loss or damage resulting from your failure to safeguard your credentials.

5. Loan Applications and Approvals

Submitting a loan application does not guarantee approval. All applications are subject to review, credit checks, and verification based on our lending criteria. We reserve the right to approve, decline, or modify any application at our discretion without providing specific reasons.

6. Fees, Interest, and Repayments

By accepting a loan or credit product from Anchor Credit Limited, you agree to the applicable fees, interest rates, and repayment terms as communicated during the application process. You are responsible for making timely repayments. Late or missed payments may result in additional charges or affect your credit standing. 

7. Intellectual Property Rights

All content on our website — including text, graphics, logos, images, videos, and software — is owned or licensed by Anchor Credit Limited. You may not reproduce, modify, distribute, or republish any content without our written consent.

8. Prohibited Activities

You agree not to:

  • Engage in fraudulent, unlawful, or deceptive activities

  • Attempt to gain unauthorized access to our systems or data

  • Interfere with the proper functioning of the website or services

  • Upload or transmit viruses, malware, or harmful code

  • Use our platform for any activity that could harm our reputation or operations

9. Data Privacy

We respect your privacy. The collection and use of your personal data are governed by our Privacy Policy, which forms part of these Terms. By using our services, you consent to the processing of your data as described in that policy.

10. Limitation of Liability

To the fullest extent permitted by law, Anchor Credit Limited will not be liable for any direct, indirect, incidental, or consequential damages arising out of your use of our website or services. We do not guarantee uninterrupted or error-free operation of the website or the accuracy of any content.

11. Indemnification

You agree to indemnify and hold harmless Anchor Credit Limited, its officers, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from your use of our website or violation of these Terms. 

12. Third-Party Links

Our website may contain links to third-party sites. We provide these links for your convenience, but we are not responsible for the content, policies, or practices of those sites. Accessing them is at your own risk. 

13. Termination

We may suspend or terminate your access to our website or services at any time, without prior notice, if we believe you have violated these Terms or engaged in fraudulent or harmful activity.

14. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the Federal Republic of Nigeria. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of Nigerian courts.

15. Changes to These Terms

We may update these Terms and Conditions from time to time. Any changes will be posted on our website with an updated effective date. Continued use of our website after such changes constitutes acceptance of the revised terms.

16. Contact Us

If you have questions, concerns or requests regarding your personal data or this privacy policy, contact us at: 

Anchor Credit Limited
Address: Suit 08, Vicbalkon Tower, 92 Bimbo Akintola, Ukako District, Jabi Abuja.
Email: info@anchorcreditltd.com
Phone: (+234) 803-333-5555