Me2U Legal Information

About Me2U

Me2U is a financial technology platform that provides digital wallet features, KYC onboarding, wallet funding, peer-to-peer lending marketplace tools, direct loan workflows, repayment tools, referral rewards, partner merchant offers, and withdrawal processes subject to verification and approval.

Me2U is designed to support interest-free lending between eligible and verified users.

Important Legal Notice

Me2U is not a bank unless expressly licensed as one.

Me2U does not represent that every user will qualify for a loan, bonus, referral reward, withdrawal, or marketplace transaction.

All lending activity, wallet activity, registration deposit approval, KYC approval, and withdrawal access may be subject to internal review, verification, fraud checks, wallet rules, regulatory requirements, and platform policies.

Digital Lending Compliance Notice

Me2U may be subject to applicable Nigerian digital lending, consumer protection, data protection, anti-fraud, KYC, AML, tax, and financial services laws and regulations.

Where required, Me2U will seek or maintain applicable registrations, approvals, licenses, compliance documentation, or partnerships before offering regulated services.

Users should not treat Me2U as a guaranteed credit provider, investment platform, savings bank, deposit-taking institution, or insurance provider.

No Guaranteed Loan Approval

Creating a Me2U account does not guarantee loan approval, marketplace matching, lending offer acceptance, withdrawal approval, referral reward approval, or any fixed income or investment return.

Me2U may decline, suspend, reverse, delay, or investigate transactions where required for fraud prevention, policy compliance, wallet safety, or legal reasons.

0% Interest Disclosure

Me2U's advertised loan model is based on 0% interest direct and peer marketplace loans.

Users remain responsible for repaying any loan they accept or receive. A 0% interest loan does not mean free money. Loan terms, repayment date, wallet conditions, and repayment obligations must be understood before acceptance.

Registration Deposit Disclosure

Me2U may require a fixed onboarding or registration deposit before certain wallet features are activated.

Me2U may modify, suspend, or discontinue promotions with notice where required.

Referral Reward Disclosure

Referral rewards may be paid only when a direct referral completes the required onboarding and verification process.

Me2U may reject referral rewards where there is fraud, duplicate accounts, fake registrations, self-referrals, misleading activity, abuse, or violation of platform rules.

Peer Lending Risk Disclosure

Peer lending involves risk.

Borrowers must repay loans according to agreed terms. Lenders understand that lending to another user may carry repayment risk, delay risk, fraud risk, dispute risk, and recovery risk.

Me2U may provide verification, marketplace tools, wallet conditions, admin review, and dispute support, but Me2U does not guarantee that every borrower will repay unless expressly stated in a separate written agreement.

Intellectual Property

The Me2U name, logo, design, website content, app interface, text, graphics, icons, software, product structure, and brand assets belong to Me2U or its licensors.

Users may not copy, reproduce, modify, resell, imitate, reverse-engineer, or use Me2U intellectual property without written permission.

Complaints and Dispute Resolution

Users may submit complaints through menenityhub@gmail.com or by calling +234 903 4162 902, +234 806 5117 689, +234 815 1583 421.

Me2U will aim to acknowledge complaints within a reasonable period and investigate complaints relating to wallet credits, loan listings, repayments, referrals, KYC, withdrawals, or account restrictions.

If a complaint involves regulated financial or consumer lending activity, users may also have the right to approach relevant Nigerian regulators or consumer protection authorities.

Prohibited Activities

Fraud
Money laundering
Terrorism financing
Identity theft
Fake KYC
Duplicate accounts
Loan scams
Unauthorized access
Account selling
Harassment
Illegal goods or services
Gambling where prohibited
Abuse of referral rewards
Manipulation of loan listings
Uploading fake payment proof
Circumventing wallet rules
Using another person's bank account without permission
Misrepresenting repayment ability
Threatening or abusing other users or staff

Limitation of Liability

To the extent permitted by law, Me2U is not liable for indirect, incidental, special, consequential, or punitive losses arising from platform use, delayed payments, failed third-party services, user misconduct, incorrect information, network downtime, or unauthorized account access caused by user negligence.

Nothing in this Legal Information excludes liability that cannot be excluded under applicable law.

Governing Law

These legal notices are governed by the laws of the Federal Republic of Nigeria unless another applicable jurisdiction is required by law or stated in a separate agreement.

Contact

Legal Email: menenityhub@gmail.com
Compliance Email: menenityhub@gmail.com
Company Address: Nigeria

Company Information