Bil

Terms and conditions
Version 1. Last modified 30-03-2026.
It is the responsibility of each client to read and understand this legal notice and the terms and conditions via this site is governed.

A. Interpretation
Depending on the jurisdiction to which a client's account has been attached in accordance with the account opening procedures of the website and the type of investment offered, the term "the Company" shall denote BIL, while the term "investment' shall denote Lend.
These terms and conditions may be supplemented from time to time by supplementary terms and conditions applicable to a particular Company offers, goods and services.

B. Introduction
The investment services contained within this site are only suitable for clients who are able to bear the profit return days period of all the money they invest and also have understand/experience of financial investment.
The maximum loss that may be incurred by any client is the amount of profit attach to investment that should have be paid by the Company to the Client.
The Company reserves the right in its sole discretion to refuse and/or cancel services and charge deposit and/or withdrawal fees to anyone for any reasons including, but not limited to the following:
Any instance where the Company believes that that person's activities at this site may be illegal in that person's country or state
Any instance where the Company may be approached or contacted by legal authorities or regulators from that person's country or state
Any instance where the Company may suffer any pecuniary, fiscal, or regulatory disadvantage by virtue of that person's activities at this site
Any restriction to its clients from depositing, investing, purchasing any products during certain hours

C. Languages
These terms and conditions are provided in English languages for clients' convenience.
The client may communicate with the Company via online chat on the Company’s websites.
Generally the Company will communicate with the client through this website or by email to the email address given by the client upon account opening. The Company will communicate with the client in English.

D. Governing laws and jurisdiction
It is the responsibility of clients accessing this site to make sure that they understand and fully follow the relevant laws and regulations of their own country. The Company does not support any offers or make any solicitations that are illegal in a client's country, and clients cannot use their account for such prohibited offers. In some countries, the Company may not be permitted to offer products and services to clients unless they have taken proactive steps to solicit information about the Company's products and services and requested to be provided with them. Access to this site and the offering of certain investments via this site may be also restricted in some jurisdictions. It is the client's responsibility to know about the restrictions that apply in the client's country of residence and to observe them, as in continuing to access the Company's products, offers and services, the client represents to the Company that the client is doing so legally and that, where relevant, the client has solicited information about the Company's products and services and requested to be provided with them.
Depending on where the client lives, the client's account will be governed by the policies, Terms and conditions of this site.

E. Investment
The Company does not negotiate capital profit with clients for investments. Each investment offers signup by a client via this site is an individual agreement between that client and the Company and is not a security, nor is it transferable, negotiable, or assignable to, or with, any third party.
Achievement of investment offers through this site must be effected in accordance with the terms and conditions presented on the pages of this site. Acquisition of investment offers is completed when the investment has been adapted, the premium (or the profit, as the case may be) has been calculated, and payment has been verified.

F. Client's liability
Clients agree to be fully and personally liable for the due settlement of every transaction entered into under their account with the Company. This includes any transactions entered into by members of the client's family or entourage who have gained access to the account. Clients are responsible for ensuring that they alone control access to the account, and that no minors are granted access to investment on the website. In any case, clients remain fully liable for any and all positions activies on their account and for any credit card transactions entered into the site for their account. Each client also indemnifies the Company against all costs and losses of any kind whatsoever, as may be incurred by the Company as a result, direct or indirect, of the client's failure to perform or settle such a transaction.
If the client deposits funds via credit or debit card, the client agrees to email or call the Company before placing a chargeback or a retrieval request so the Company can try to retrieve the funds for the client.
If the payment processor sends the Company a chargeback or retrieval notification, the Company reserves the right to suspend any or all of the client’s accounts and place a temporary hold on the funds available in it. In that case, any or all of the client’s accounts may remain suspended until the completion of the entire chargeback investigation. The same might apply if the client’s transacting bank initiates the chargeback or retrieval request without the client’s knowledge.
If the Company suffers a loss as a result of a chargeback or retrieval request, the client agrees to reimburse the Company the amount before the Company lifts off any limits imposed on any or all of the client’s accounts.

G. Customer funds
Money deposited and invested by clients are secure in the company investment porfiolo.
The Company has various deposit methods available, each with its own timing for deposits, some of which might not be available for withdrawals. Full details of available methods for deposits and withdrawals, including settlement times, can be seen here
A client should not use the client's account as a banking facility, and deposits should only be made with a view to using funds to make investment. The Company is not a financial institution, and the client will not receive interest on deposits. Should a client make repeated deposits and withdrawals without investing, the Company reserves the right to pass on to the client's account, without prior notice, any bank charges the Company has incurred before closing the account. The Company also reserves the right to reject the client's payouts without prior notice.
Transfers from Deposit wallet to Withdrawal Wallet are not allowed, but transfers are allowed between Withdrawal wallet to deposit Wallet accounts. Charges may apply for every successful transaction.

H. Refund policy
The Company offers a number of merchant solutions and payment service providers for making online payments. The client will be billed at the time of, or shortly after, making a transaction. The client agrees to pay for all transactions that the client has made via any of the available merchant solutions or payment service providers.
All investment are final. The Company does not refund the fee charged for conducting a transaction if the transaction is executed.
If an investment or products becomes unavailable after the transaction is made but before the offer is executed, the client may request a refund of the charged fee. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim. If technical problems prevent the execution of a transaction, for example, if a disruption occurs in the data feeds that the Company cannot readily fix, the Company reserves the right to refund or reverse the transaction.
Any request for a deposit refund for active accounts will be automatically rejected. If the Company has closed, blocked, or suspended the client’s account, the client may request a refund of the client’s deposit. The Company reserves the right to accept or reject the client’s request after investigating the client’s claim.

I. Prohibited transactions
The Company reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of clients who engage in any activity
That contravenes any laws, regulations, instruments, ordinances, or rules that govern the operation of this site
Where the client makes any false or misleading representation to the Company breaching the clauses under Governing laws and jurisdiction
The Company has the discretion to seek information from clients to verify compliance with these terms.
The following are conditions of using the website:
Any client that is employed in the banking and/or finance sector must only conduct transactions through the website with the knowledge of his/her employer and in accordance with the employer's policies.
Any deposit wallet amount that do not have deposit transaction record by our deposit provider.
Clients agree to comply with the reasonable requests made by the Company for the purpose of verifying compliance with this term.
The Company may withhold payment of funds accumulated in a client's account while it takes steps to verify compliance with these terms.
If the Company (in its sole discretion) is not satisfied that a client is complying with these terms, or if a client does not comply with a reasonable request for information made by the Company, the Company may cancel the client's account and withhold any funds accumulated therein.

Fraud and money laundering
The Company reserves the right to block or withhold the funds in the client’s account and/or suspend or close the client’s account if it is known or there is reason to believe that one or more of the following cases are true:
a. Account opened under a false name
b. Submission of fraudulent or tampered document
c. Opening of more than one bil.com.ng account
The Company likewise reserves the right to cancel any request for a deposit, withdrawal, or refund of the client’s funds.
No person shall abuse this site for the purpose of money laundering. The Company employs best-practice anti-money laundering procedures. All transactions are checked to prevent money laundering, which may have several effects on clients. The Company reserves the right to refuse to do business with, to discontinue to do business with, and to reverse the transactions of clients who do not accept or adhere to these anti-money laundering processes. Acceptable funds should not originate from criminal activity. The Company is bound to report suspicious transactions to relevant authorities.
The anti-money laundering processes have the following effects on clients:
Clients must register personally.
Clients must fill into the account opening form all requested details that establish their identity. Clients must give a valid identification, address, contact email address, and personal telephone number.
The Company may, at its sole discretion or as required by regulations in place conduct appropriate "Know Your Customer" (KYC) procedures and require a client to provide proof of identity and suspend an account until satisfactory evidence of identity and address, source of funds, and/or source of wealth have been provided.
Requested KYC documentation could include
Proof of identity – such as ID card, passport or driving license
Proof of address – such as bank statements/ building society statement or utility bills (mobile phone bills are unacceptable)
Proof of wealth / Source of funds – such as pay slip or bank statements
If such documents expire, the Company reserves the right to request updated documentation.
The Company also reserves the right to request documentation pertaining to any other legal obligation.
Clients agree that the Company may use personal information provided by them in order to conduct appropriate anti-fraud checks. The personal information that clients provide may be disclosed to a credit reference or fraud prevention agency, which may keep a record of that information.
Withdrawals may only be paid to the initiator of an account. When a client maintains an account by means of telegraphic deposits, withdrawals are only paid to the holder of the originating bank account, and it is the onus of the client to ensure that account number and name accompany all transfers to the Company. When a client maintains an account by means of credit/debit card deposits, withdrawals are only paid back to the same card.
Clients shall not hold or pool third-party funds into their own account held with the Company.
It is prohibited to sell, transfer, and/or acquire accounts to/from other clients. Transfer of funds among other clients is also prohibited.
Only one account is allowed per person. No withdrawals and/or refunds may be collected on accounts opened in false names or on multiple accounts opened by the same person.
The Company has the right and obligation not to accept the information provided by clients if the Company knows or has a reason to believe that it is incorrect, inaccurate, or incomplete. In such cases, the Company may ask clients to clarify or correct the details provided.

K. Company's rights
The Company does not tolerate any form of inappropriate behaviour. This includes the usage of offensive language. The Company reserves the right to restrict or terminate the client's account if there is any form of inappropriate behaviour on the client's part.
The Company reserves the right to suspend the operation of this site or sections thereof in the following cases:
When, as a result of political, economic, military, or monetary events (including unusual market volatility or illiquidity) or any circumstances outside the control, responsibility, and power of the Company, the continued operation of this site is not reasonably practicable without materially and adversely affecting and prejudicing the interests of clients or the Company, or if, in the opinion of the Company, a price cannot be calculated for financial contracts
The Company has and retains the right to terminate any event or investment including, but not limited to, the occurrence of any of the above events.
In all circumstances, the Company reserves the right to make changes to these terms and conditions. If the Company elects to make any material changes to these terms and conditions, clients will be notified in advance and shall either accept or decline to agree. Declining to agree shall result in a material breach of this agreement and the client's account may be frozen, suspended, or cancelled. However, the client shall be allowed to withdraw any pending balance on account subject to KYC verification.
In such an event, the Company may at its sole discretion (with or without notice) close out the client's open investment at any capital interest it considers fair and reasonable.
Although the Company has and retains all rights to refuse or to close a client's account, the Company does warrant that all contractual obligations already made, shall be honoured.
Clients who are scammer are prohibited from using this website.
Any information given on these pages, and/or emails or newsletters sent by the Company related thereto, is not intended as financial or investment advice and the Company will not accept any liability in this respect.
The right is also reserved to amend or change the rules and scope of this service from time to time. Any change to the rules made whilst the site is in operation will not apply retrospectively and will only apply to acquisitions of financial contracts made after such a change. It is the Company's responsibility to notify clients before any changes to its terms come into effect.

L. Dormant and inactive accounts
The company reserves the right to charge a dormant fee of up to N7500 or equivalent to $10 in any other currency as calculated in accordance with the current Naira Black Market exchange rate, as on the date of charging of the fee, every 2 months for every client account that has had no transaction recorded for over 3 months.
If the client account has been locked or suspended and has not recorded any transactions for a period of three months or more, the Company reserves the right to rescind the client account funds.
The client account funds will be rescinded if the client account has been inactive for 30 days with an account balance equivalent to 1000NGN or less.

M. Liability
Save in case of negligence, fraud, or default by the Company, the Company will not be liable in any way to any clients in the event of force majeure, or for the act of any government or legal authority, or for the failure of or damage or destruction to its computer systems, data, or records, or any part thereof, or for delays, losses, errors, or omissions resulting from the failure or mismanagement of any telecommunications, computer equipment, or software by the client or any damages or losses deemed or alleged to have resulted from, or been caused by, this site or its content.

N. Marketing and promotion
The Company may from time to time inform clients about changes on the website, new services, and promotions. If, however, the client wishes to opt out of such a service and does not wish to receive any direct marketing data, the client can either unsubscribe from the service directly or email the Company's customer support team. If the client decides to opt in again into receiving promotional material, the client can also do so by contacting the customer support team.

O. Account opening
A client may only open an account on this site on the following conditions:
The client has read this legal Terms and conditions page in full and understood that the client will be investing and buying products subject to these terms and conditions.
The client has read the Company's privacy statement and is aware of how the Company processes information.
The client is over 18 years of age.
The client is not resident in a restricted country such as
The client has sufficient experience and knowledge in matters of investment to be capable of evaluating the qualitiess of investments via this site and has done so without relying on any information contained on this site.

P. Account closure
The client may choose to contact the Company to close the client's account held with the Company. The client's account may be closed if the client does not have any open investment and if the client has complied with the requested "Know Your Client" procedures to enable the client to withdraw any pending funds in the client's account.

Q. Investment rules
The Company may impose certain rules and restrictions on marketplace and offers on this website. Such rules may change from time to time, according to market conditions and other factors. The following indicative rules are currently in place:

R. Investment payouts
Profit shall be determined by 15, 30 & 90 days etc. period of investing, afterward, investment with profit will be release automatically by the system for withdrawal

S. Investment limits
The Company reserves the right to have deposit limits in place, which affect the investment limits of all clients investing, and may not be limited
solely to purchase and investment