Financial Disclaimers

1. General Disclaimer

The information provided on Peer Capital's platform is for general informational purposes only. All information on the platform is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the platform.

Peer Capital is not a bank, credit union, or licensed financial institution. We are a platform that facilitates peer-to-peer lending between users. We do not provide loans directly, nor do we guarantee the performance of any loans facilitated through our platform.

2. Not Financial Advice

The content on Peer Capital's platform is not intended to be financial advice. It is not intended to constitute financial advice or a recommendation to buy, sell, or hold any financial product or engage in any financial transaction.

Before making any financial decisions, including decisions to lend or borrow through our platform, you should conduct your own research and consult with a qualified financial advisor. You should also consider your investment objectives, risk tolerance, and financial situation.

3. Investment Risks

Investing in peer-to-peer loans involves significant risks, including but not limited to:

• Credit Risk: Borrowers may default on their loans, resulting in a loss of principal and/or interest.
• Liquidity Risk: Investments in peer-to-peer loans are generally illiquid. There is no guarantee that you will be able to sell or transfer your investment before the loan term ends.
• Platform Risk: Peer Capital's platform may experience technical issues, security breaches, or other operational problems that could affect your ability to access your account or your investments.
• Regulatory Risk: Changes in laws or regulations may adversely affect the operation of Peer Capital's platform or the value of your investments.
• Market Risk: Economic conditions, interest rates, and other market factors may affect the performance of your investments.
• Concentration Risk: If you invest a large portion of your portfolio in peer-to-peer loans or in loans to a small number of borrowers, your investment portfolio may lack diversification, which could increase your risk of loss.

4. Past Performance

Past performance is not a reliable indicator of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All investments involve risk, including the possible loss of principal.

5. No Guarantee of Returns

Peer Capital does not guarantee any rate of return on investments made through our platform. The interest rates displayed on our platform are not guaranteed and may not reflect the actual returns you will receive.

The actual return on your investment will depend on various factors, including but not limited to the performance of the loans you invest in, the occurrence of defaults, and the fees charged by Peer Capital.

6. Borrower Disclaimer

If you are a borrower, you should carefully consider whether taking out a loan through Peer Capital's platform is appropriate for your financial situation. You should consider the interest rate, fees, loan term, and repayment schedule before accepting a loan offer.

Failure to repay a loan may result in negative consequences, including but not limited to damage to your credit score, collection activities, and legal action.

7. Tax Implications

Peer Capital does not provide tax advice. The tax treatment of investments made through our platform may vary depending on your individual circumstances and the tax laws in your jurisdiction.

You should consult with a qualified tax professional to understand the tax implications of investing or borrowing through our platform.

8. Regulatory Compliance

Peer Capital strives to comply with all applicable laws and regulations. However, the regulatory environment for peer-to-peer lending is evolving, and there may be changes in laws or regulations that affect our platform or your investments.

Peer Capital is not regulated as a bank, securities broker-dealer, or investment advisor. The protections associated with these regulated entities may not be available to users of our platform.

9. Jurisdiction Limitations

Peer Capital's services are intended for users who are residents of Nigeria. If you access our platform from outside Nigeria, you do so at your own risk and are responsible for compliance with local laws.

The information provided on our platform is not intended for distribution to or use by any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation.

10. Third-Party Links

Peer Capital's platform may contain links to third-party websites or services. We are not responsible for the content or practices of these third-party sites and do not endorse or make any representations about them.

Your use of any third-party websites or services is at your own risk and subject to the terms and conditions of those websites or services.

11. Changes to Disclaimers

Peer Capital reserves the right to modify these disclaimers at any time. If we make changes, we will provide notice by posting the updated disclaimers on our platform and updating the "Last Updated" date at the top of this page.

Your continued use of our platform after the effective date of the revised disclaimers constitutes your acceptance of the changes.

12. Contact Information

If you have any questions about these disclaimers, please contact us at:

Peer Capital, Inc.
123 Finance Street
Lagos, Nigeria
Email: legal@peercapital.com
Phone: +234 123 456 7890