Terms of Use

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Terms

Me2U Terms of Use

Rules for accounts, registration deposits, wallet funding, 0% loans, retained balances, repayments, withdrawals, referrals, fees, prohibited use, disputes, and liability.

Last Updated: May 19, 2026

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1. Agreement to Terms

These Terms of Use govern your access to and use of Me2U, including the website, app, wallet, KYC process, peer lending marketplace, direct loan features, referral system, support services, and related tools.

By creating an account or using Me2U, you agree to these Terms, the Data Policy, Privacy Policy, Security Policy, and any other applicable Me2U rules.

If you do not agree, you should not use Me2U.

2. Eligibility

  • Be at least 18 years old
  • Be legally capable of entering a binding agreement
  • Provide accurate registration information
  • Use your own identity
  • Complete KYC where required
  • Not be prohibited by law from using Me2U
  • Not use Me2U for fraud, money laundering, or illegal activity
  • Maintain only one personal account unless Me2U approves otherwise

3. Account Registration

  • Provide accurate information
  • Keep your details updated
  • Use your own phone number and email address
  • Protect your login credentials
  • Not create fake or duplicate accounts
  • Not allow another person to use your account
  • Complete verification when requested
  • Notify Me2U immediately if your account is compromised

4. Me2U Services

Some features may be unavailable, restricted, delayed, or changed depending on verification status, account risk, wallet status, regulatory requirements, technical maintenance, or platform policy.

  • Digital wallet features
  • Registration deposit processing
  • Payment proof upload
  • Admin review
  • Wallet funding
  • Peer lending marketplace
  • Direct loan requests
  • Lending offers
  • Loan repayment tools
  • Withdrawal requests
  • Referral rewards
  • Partner merchant offers
  • Support and dispute review

5. Registration Deposit

Me2U may require a fixed registration deposit before certain wallet, loan, or withdrawal features are activated.

Users must upload accurate transfer references and proof of payment.

Submitting fake, edited, reused, or misleading payment proof may result in account suspension, wallet reversal, or legal action.

6. Referrals

Me2U may offer referral rewards for users who refer others to the platform.

Referral rewards are subject to the referred user completing the required verification process.

7. Wallet Funding

Users may fund their Me2U wallet through supported payment methods.

Wallet crediting may be delayed until Me2U confirms payment, reviews uploaded proof, verifies the transaction, and completes fraud checks.

Me2U is not responsible for delays caused by banks, payment processors, incorrect transfer references, network issues, or user error.

8. Loans and Peer Marketplace

Me2U supports interest-free direct and peer marketplace lending.

Borrowers may create borrow requests. Lenders may create or accept lending offers. Borrowers must repay loans on time. Lenders accept that peer lending involves repayment risk.

Me2U may restrict loan access for users who fail KYC, violate wallet conditions, default, abuse the marketplace, or trigger risk alerts.

  • Loan amount
  • 0% interest
  • Repayment date
  • Marketplace duration
  • Wallet conditions
  • Retained balance requirement
  • Repayment obligation
  • Dispute process

9. 0% Interest Terms

Me2U may advertise 0% interest loans.

0% interest does not mean the loan is free. Users who receive loans must repay the borrowed amount according to the agreed terms.

Me2U may still charge lawful platform fees, service fees, wallet fees, withdrawal fees, or other clearly disclosed charges where applicable.

10. Retained Wallet Balance

Where Me2U requires a retained wallet balance, users must maintain the required amount while an active loan remains unpaid.

Attempting to bypass retained balance rules may result in withdrawal restriction, loan restriction, account review, or suspension.

11. Repayments

Users must repay loans by the agreed repayment date.

Repayments may be processed from wallet balance or other supported repayment methods.

Late, failed, or disputed repayment may affect account status, marketplace access, loan eligibility, trust score, wallet activity, and future borrowing ability.

12. Withdrawals

Withdrawals may be available only after registration deposit confirmation, KYC completion, wallet review, active loan checks, retained balance compliance, fraud and risk review, and admin approval where required.

Me2U may delay, reject, or investigate withdrawals where fraud, account compromise, payment reversal, active loan risk, or policy violation is suspected.

13. Referral Rewards

Users may earn referral rewards when direct referrals complete required onboarding and verification.

  • Fake accounts
  • Duplicate accounts
  • Self-referrals
  • Misleading referrals
  • Fraudulent onboarding
  • Incomplete KYC
  • Payment proof abuse
  • Violation of referral rules

14. Fees and Charges

Any applicable fees should be shown before the user completes the relevant transaction.

  • Registration deposit
  • Wallet service fees
  • Withdrawal fees
  • Payment processing fees
  • Marketplace service fees
  • Account maintenance fees where applicable
  • Other disclosed charges

15. User Responsibilities

  • Use Me2U lawfully
  • Provide truthful information
  • Repay loans on time
  • Maintain account security
  • Use only authorized payment methods
  • Avoid fraudulent activity
  • Respect other users
  • Follow wallet rules
  • Follow KYC requirements
  • Report errors or unauthorized activity quickly

16. Prohibited Use

  • Commit fraud
  • Upload fake payment proof
  • Create duplicate accounts
  • Impersonate another person
  • Use stolen identity or bank details
  • Use Me2U for illegal activity
  • Abuse referrals
  • Harass borrowers, lenders, staff, or users
  • Attempt unauthorized access
  • Bypass wallet or KYC rules
  • Use bots or automated abuse tools
  • Manipulate loan listings
  • Misrepresent repayment ability
  • Use Me2U for money laundering or terrorist financing
  • Violate sanctions, court orders, or applicable law

17. Account Suspension or Termination

Me2U may suspend, restrict, or terminate an account if the user violates these Terms, fraud is suspected, KYC fails, payment proof is false, required information is inaccurate, the account is compromised, the user abuses referrals, the user defaults or misuses lending features, or the action is required by law, regulator, court order, or compliance obligation.

Where legally permitted, Me2U may notify the user and allow them to resolve outstanding issues.

18. Disputes Between Users

For peer marketplace disputes, Me2U may review loan listing details, payment evidence, wallet records, repayment records, chat or support evidence, KYC status, and account history.

Me2U may assist with dispute review but does not guarantee recovery from another user unless specifically stated in a separate written agreement.

19. Platform Availability

Me2U aims to keep the platform available but does not guarantee uninterrupted service.

Services may be unavailable due to maintenance, internet issues, bank downtime, payment processor failures, security incidents, regulatory requirements, technical faults, or force majeure events.

20. Intellectual Property

All Me2U software, brand names, logos, designs, content, product flows, graphics, and platform features belong to Me2U or its licensors.

Users may not copy, modify, resell, distribute, reverse-engineer, or exploit Me2U without written permission.

21. Disclaimers

Me2U services are provided on an as available basis.

Me2U does not guarantee loan approval, lender availability, borrower repayment, referral reward approval, bonus eligibility, instant withdrawal, continuous platform availability, error-free operation, or any specific financial outcome.

Users should read all loan, wallet, withdrawal, bonus, and referral conditions before using Me2U.

22. Limitation of Liability

To the extent permitted by law, Me2U is not liable for indirect, special, incidental, punitive, or consequential losses arising from use of the platform.

Me2U is not responsible for losses caused by user negligence, shared passwords or OTPs, fake accounts created by users, incorrect payment details, bank or payment processor downtime, third-party service failure, network issues, unauthorized access caused by user failure to secure account details, or peer borrower default unless otherwise agreed in writing.

23. Indemnity

Users agree to indemnify Me2U, its directors, staff, partners, and affiliates against claims, losses, damages, penalties, costs, or expenses arising from user misuse of Me2U, violation of these Terms, fraudulent activity, illegal activity, false information, loan default or dispute, unauthorized use of another person's data, or breach of applicable law.

24. Changes to These Terms

Me2U may update these Terms from time to time.

Material changes may be communicated through the website, app, email, or other reasonable notice.

Continued use of Me2U after changes means acceptance of the updated Terms.

25. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria unless otherwise required by applicable law.

26. Contact

  • Support Email: menenityhub@gmail.com
  • Legal Email: menenityhub@gmail.com
  • Compliance Email: menenityhub@gmail.com
  • Phone/WhatsApp: +234 903 4162 902, +234 806 5117 689, +234 815 1583 421
  • Address: Nigeria