Legal Documentation

MONITRA INVESTOR TERMS & CONDITIONS

calendar_today Effective Date: October 24, 2024

language Platform: Monitra (www.monitra.ng)

01. INTRODUCTION

These Investor Terms & Conditions (“Agreement”) govern the relationship between Monitra (“Company”, “We”, “Us”) and any individual or entity (“Investor”, “You”) who participates in investment opportunities offered on the Monitra platform.

By creating an account and funding an investment, you acknowledge that you have read, understood, and agreed to be legally bound by this Agreement.

02. NATURE OF INVESTMENT

Monitra operates as a private lending and financial services platform, deploying pooled investor funds into:

check_circle Micro and SME loans (market women, traders, small businesses)
check_circle Consumer lending
check_circle Real estate-backed projects
check_circle Other structured financial opportunities

info

Important Disclosure Monitra is not a bank and investments are not insured by NDIC or any government body.

03. INVESTMENT STRUCTURE

payments

3.1 Minimum Investment

₦100,000

calendar_month

3.2 Investment Tenure

Minimum lock-in period: 3 months

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3.3 Expected Returns

Up to 5% monthly ROI.

*Returns are not guaranteed.

04. ACCOUNT FUNDING

Via Dedicated Virtual Account (DVA) or bank transfer.

05. INTEREST & PAYOUTS

Monthly interest paid to wallet. Withdrawal within 24-72 hours.

06. CAPITAL WITHDRAWAL

3-month minimum lock-in. Early withdrawal penalties may apply.

07. RISK DISCLOSURE

Loan default, liquidity, operational, and market risks.

08. USE OF FUNDS

Loan disbursement, business operations, real estate, etc.

09. FEES & CHARGES

Transparent communication of any service or withdrawal fees.

10. INVESTOR OBLIGATIONS

Accurate info, KYC compliance, no illegal activities.

11. KYC & COMPLIANCE

Monitra reserves right to verify identity and documents.

12. DEFAULT MANAGEMENT

Recovery processes initiated in case of borrower default.

13. LIMITATION OF LIABILITY

No liability for defaults, third-party delays, or force majeure.

14. TERMINATION

Right to suspend/terminate accounts for breach of terms.

15. AMENDMENTS

Terms may be updated; continued use implies acceptance.

16. GOVERNING LAW

Laws of the Federal Republic of Nigeria.

17. DISPUTE RESOLUTION

Amicable resolution first, then Mediation/Arbitration in Nigeria.

18. CONFIDENTIALITY

Handled per data protection laws.

19. CONTACT INFORMATION

support@monitra.ng | www.monitra.ng

verified_user 20. DECLARATION

Confirming understanding of risks and voluntary investment. By proceeding to use the Monitra platform, you affirmatively declare your acceptance of these terms.