Effective Date: 23 October 2025
Company: LTR Ltd (“LTR”, “the Company”, “we”, “our”, or “us”)
Website: https://app.ltr.ng
1. Introduction
This Company Policy outlines the values, standards, and operational principles that guide the actions of LTR Ltd. It applies to all employees, partners, contractors, and users interacting with the company or its platform.
LTR is committed to building a trustworthy and transparent platform that helps individuals and organizations grow wealth responsibly through partnerships with regulated financial institutions.
2. Our Mission
To empower individuals to achieve financial growth and stability by connecting them to reliable, regulated financial opportunities — making wealth creation accessible to everyone.
3. Our Core Values
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Integrity: We operate with honesty, fairness, and accountability in all dealings.
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Transparency: Our communication with users and partners is open, clear, and fact-based.
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Innovation: We leverage technology to simplify access to financial opportunities.
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Security: Protecting our users’ data and funds is a top priority.
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Empowerment: We exist to help individuals and small businesses achieve lasting financial success.
4. Scope of Operations
LTR is a financial facilitation and partnership platform. We do not directly manage or invest user funds. All financial transactions are executed through licensed and regulated financial partners, including banks, insurance providers, and lending institutions.
Our operational areas include:
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Structured savings and growth plans
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Land banking and real estate partnerships
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Health insurance access and plans
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Loan facilitation through registered lending partners
5. Compliance and Legal Obligations
LTR adheres to the laws and regulations of the Federal Republic of Nigeria, including:
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Central Bank of Nigeria (CBN) guidelines (through partner institutions)
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Nigeria Data Protection Regulation (NDPR)
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Companies and Allied Matters Act (CAMA)
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Anti-Money Laundering (AML) and Know Your Customer (KYC) standards
LTR works exclusively with partners who are duly licensed and compliant with Nigerian financial regulations.
6. User Responsibilities
Users of the LTR platform are expected to:
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Provide accurate and verifiable information during registration and KYC.
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Use the platform only for lawful and personal financial purposes.
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Maintain the confidentiality of their account login details.
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Refrain from fraudulent, abusive, or illegal use of the platform.
Violation of these rules may result in account suspension, termination, or legal action.
7. Staff Code of Conduct
All LTR staff and affiliates must:
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Uphold confidentiality of user and company information.
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Avoid conflicts of interest.
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Maintain professionalism and respect in all interactions.
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Report suspicious or unethical activities immediately to management.
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Follow internal data security and communication protocols.
Disciplinary action, including termination, may be taken for violations of these standards.
8. Data Protection and Privacy
LTR prioritizes data protection and complies with applicable privacy laws. Personal and financial data are stored securely, accessed only by authorized personnel, and shared only with verified partners where necessary.
For full details, refer to our Privacy Policy.
9. Partnership Policy
All external collaborations with LTR are subject to vetting and approval by the company’s management. Partners must demonstrate:
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Compliance with relevant laws and licensing requirements.
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Financial stability and integrity.
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Alignment with LTR’s mission, ethics, and brand reputation.
LTR reserves the right to terminate partnerships that violate compliance or ethical standards.
10. Security Policy
LTR uses secure systems, encryption, and monitoring tools to safeguard all user data and platform operations. Employees and partners are prohibited from accessing or sharing confidential information without proper authorization.
Any breach or suspected breach of data security must be reported immediately to the compliance department.
11. Anti-Fraud and AML Policy
LTR enforces strict anti-fraud and anti–money laundering procedures. All users must undergo KYC verification before accessing any financial features.
Any suspicious activities will be reported to appropriate authorities and may lead to immediate account suspension.
12. Communication Policy
All official communications to users, partners, or the public must come from authorized LTR email addresses (e.g., @ltr.ng).
Staff are not permitted to accept or request cash or direct transfers from users. All payments must go through approved company accounts only.
13. Continuous Improvement
LTR is committed to constant innovation and improvement. We review our policies, operations, and user experience regularly to ensure alignment with regulatory standards and customer needs.
14. Policy Review and Amendments
This Company Policy is subject to periodic review. LTR reserves the right to amend or update this document as needed. Any updates will be communicated through the company’s official channels and website.
15. Contact Information
For questions about this policy or to report violations, contact: