Disclaimer
Purpose of this Disclaimer
This Disclaimer applies to all Paz websites, mobile applications, communications, dashboards, tools, and documentation (collectively, the 'Platforms'). It explains important limitations on the information and materials we provide. By using the Platforms, you acknowledge and accept this Disclaimer.
No Financial, Investment, Legal, Accounting or Tax Advice
Information on the Platforms is provided for general informational and educational purposes only. Unless expressly stated in a signed agreement, nothing on the Platforms constitutes financial, investment, legal, accounting, or tax advice. You should obtain independent professional advice tailored to your circumstances before making any financial decision.
Not a Bank; Partner Institutions
Paz is a financial technology company and is not a bank, broker-dealer, investment adviser, or investment company. Certain products may be provided by, or in partnership with, licensed financial institutions. Where applicable, deposits or stored funds are held with partner banks or custodians subject to their own terms, disclosures, and regulatory protections. Paz does not itself offer deposit insurance.
No Offer or Solicitation
Content on the Platforms does not constitute an offer, invitation, solicitation, or recommendation to buy or sell any financial product or to engage in any transaction. Any product availability is subject to eligibility, onboarding, and separate definitive agreements.
Past Performance and Illustrations
Any performance figures, projections, illustrations, savings targets, or return examples are for illustration only and are not guarantees of future results. Financial products carry risks, including potential loss of principal. Market conditions, borrower behavior, regulatory changes, and other external factors can materially affect outcomes.
Lending-Specific Risks
Borrowing involves obligations to repay principal, interest, fees, and charges. Late or missed payments may incur penalties, collection activity, reporting to credit bureaus, and legal action. Loan approvals, limits, pricing, and offers are subject to credit assessment, affordability checks, and regulatory constraints.
Investment-Specific Risks
Investments bear risk, including illiquidity, price volatility, and loss of capital. Diversification does not ensure profit or protect against loss. Where relevant, securities are offered only pursuant to offering documents and applicable securities laws, and only to eligible investors in permitted jurisdictions.
Accuracy, Completeness, and Timeliness
While Paz endeavors to ensure information is accurate and up to date, materials may contain errors or become outdated. Content is provided on an as is and as available basis without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.
Tools, Calculators, and Estimates
Any calculators, scoring tools, projections, or budgeting aids are provided for convenience only. Outputs depend on user inputs and assumptions and may not reflect actual outcomes. You are responsible for verifying results before relying on them.
Third-Party Links, Content, and Services
The Platforms may link to or integrate third-party websites, APIs, content, or services. Paz does not control and is not responsible for third-party accuracy, availability, security, or practices. Your use of third-party services is governed by their separate terms and privacy policies.
System Availability and Security
Platform availability may be interrupted by maintenance, outages, network failures, cyber incidents, or events beyond our control. Paz implements security measures but cannot guarantee that the Platforms are free of vulnerabilities, malware, or unauthorized access.
Limitation of Liability
To the maximum extent permitted by law, Paz, its affiliates, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, or for loss of profits, revenue, data, goodwill, or business opportunities arising from or related to your use of (or inability to use) the Platforms or reliance on any content. Nothing in this Disclaimer excludes or limits liability that cannot be excluded under applicable law.
Indemnity
You agree to indemnify and hold harmless Paz and its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from your breach of applicable laws, this Disclaimer, or the Paz Terms of Use.
Regulatory and Compliance Disclosures
Paz complies with applicable laws and regulations, including anti-money laundering (AML), counter-terrorism financing (CTF), consumer protection, and data protection requirements. Compliance obligations may require identity verification (KYC), transaction monitoring, reporting to authorities, and account restrictions or freezes where necessary.
Marketing, Testimonials, and Endorsements
Any testimonials or case studies represent individual experiences and are not typical nor a guarantee of results. Where promotions or incentives are displayed, eligibility criteria and limitations apply. Paz does not pay for undisclosed endorsements and seeks to comply with advertising and disclosure standards.
No Fiduciary Relationship
Your use of the Platforms does not create a fiduciary, advisory, or client relationship unless and until you enter into a specific written agreement with Paz or a licensed partner explicitly establishing such a relationship.
Intellectual Property
All content, logos, product names, interfaces, and software on the Platforms are owned by Paz or its licensors and are protected by intellectual property laws. Use is permitted only as expressly authorized in the Terms of Use.
Data Protection
Personal data handling is governed by the Paz Privacy Policy. By using the Platforms, you acknowledge the processing of personal data in accordance with applicable data protection laws and our Privacy Policy.
Jurisdiction, Eligibility, and Restrictions
Products and services are not available in all jurisdictions. Access may be restricted based on residency, eligibility, sanctions, or local legal constraints. You are responsible for complying with the laws of your jurisdiction and for determining whether your use of the Platforms is lawful.
Forward-Looking Statements (Investor Communications)
Non-historical statements on the Platforms (e.g., anticipate, believe, expect, plan, target) are forward-looking and subject to risks and uncertainties. Actual results may differ materially due to economic conditions, regulatory changes, competition, and operational factors.
Cookies and Tracking Technologies
We use cookies and similar technologies for functionality, analytics, and improving user experience. See the Paz Privacy Policy for details and your choices.
Changes to this Disclaimer
Paz may update this Disclaimer from time to time. Changes take effect upon posting with an updated Effective Date. Continued use of the Platforms constitutes acceptance of the revised Disclaimer.
Governing Documents
This Disclaimer should be read together with the Paz Terms of Use and the Paz Privacy Policy. If a conflict arises, the specific product agreement (if any) prevails, then the Terms of Use, then this Disclaimer.
Jurisdiction-Specific Notices
Nigeria: Paz operates subject to applicable Nigerian laws and regulatory guidance. Consumers may have rights under the Nigeria Data Protection Act and other consumer protection frameworks.
Contact and Complaints
Questions about this Disclaimer or complaints may be directed to:
Legal Department, Paz Finance Limited
No. 8 Agbaoku Street, Opebi, Ikeja, Lagos State, Nigeria
Email: legal@pazfinance.com
Phone: +234 904 422 3377
You may also have the right to escalate complaints to relevant regulatory authorities in your jurisdiction.
Reservation of Rights
Paz reserves all rights not expressly granted. Failure to enforce any provision does not constitute a waiver. If any portion of this Disclaimer is found invalid, the remainder will continue in effect.
PAZ, the dynamic finance solution community, is here to guide you on your journey to financial well-being. We offer a range of tools and services to help you achieve your financial aspirations.