1. Introduction

Welcome to Agrandar Limited’s website. By accessing or using our website and services, you
agree to comply with and be bound by these Terms and Conditions. If you do not agree with any
part of these terms, please refrain from using our website.

2. Definitions

• “Company”, “We”, “Us”, or “Our” refers to Agrandar Limited.
• “User” or “You” refers to any individual or entity accessing our website or services.

3. Use of the Website

3.1 Eligibility: You must be at least 18 years old to use our services.

3.2 User Conduct: You agree not to use the website for any unlawful purpose or in a way that
may harm the Company or any third party

4. Services Offered

Agrandar Limited provides financial products designed to address challenges such as irregular
cash flow, currency fluctuations, and limited access to fast financing. Our services include:
• Short-Term Loans: Flexible repayment terms ranging from 3 to 12 months, available for
both individuals and businesses.
• FX Backed Naira Loans: Specialized loans designed to protect borrowers from currency
fluctuations, allowing businesses to lock in predictable exchange rates.

5. Application Process

5.1 Application: To apply for our financial products, you must complete the online application
form and provide all necessary documents.

5.2 Approval: Approval typically takes 24-48 hours once all required documents are submitted.

5.3 Disbursement: Upon fulfilling all conditions precedent to disbursement, funds will be made
available to you.

6. Fees and Charges

All fees associated with our financial products are transparent. We disclose all fees upfront
during the application process. There are no hidden fees.

7. Privacy Policy

We are committed to protecting your privacy. Our Privacy Policy, which outlines how we collect,
use, and protect your personal information, is an integral part of these Terms and Conditions.

8. Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of
Agrandar Limited and is protected by applicable intellectual property laws. Unauthorized use of
any content is prohibited

9. Limitation of Liability

Agrandar Limited shall not be liable for any indirect, incidental, special, or consequential
damages arising out of or in connection with the use of our services or website.

10. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of
the Federal Republic of Nigeria.

11. Dispute Resolution

Any disputes arising from or in connection with these Terms and Conditions shall be resolved
amicably through mutual discussions. If unresolved, disputes shall be referred to mediation
under the auspices of the Lagos Multi-Door Courthouse (LMDC). If mediation fails, disputes shall
be referred to a court of competent jurisdiction in Nigeria.

12. Changes to Terms and Conditions

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective
upon posting on our website. Your continued use of the website after such changes constitutes
your acceptance of the new Terms and Conditions.

13. Contact Information

For any questions or concerns regarding these Terms and Conditions, please contact us at:
• Address: 15a Ajanaku Street, Opebi, Lagos
• Phone: +2349122636246
• Email: info@agrandarltd.com

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Agrandar is a licensed money lender, granted under section 5(2) of the money lenders law. We provide fast, transparent, and reliable financial solutions to individuals and businesses.

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