Effective Date: 23 October 2025
Company: LTR Limited (“LTR”, “we”, “our”, or “us”)
Website: https://app.ltr.ng
1. Introduction
Welcome to LTR Limited. By accessing or using our platform, website, or services, you agree to be bound by these Terms of Service. Please read them carefully before using the platform.
If you do not agree to these terms, you may not use our website or any of our services.
2. About LTR
LTR is a financial empowerment and partnership platform that enables users to grow wealth through structured savings and access to financial products offered by licensed third-party institutions.
LTR is not a bank, investment company, or licensed financial institution. We do not directly hold, manage, or trade user funds. Instead, all funds are processed and managed through verified and regulated partners, including banks, microfinance institutions, and other licensed financial entities.
3. Eligibility
To use LTR services, you must:
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Be at least 18 years old;
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Provide accurate, complete, and up-to-date information during registration; and
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Agree to comply with all applicable Nigerian financial and data protection laws.
4. User Accounts
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You are responsible for maintaining the confidentiality of your account credentials.
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Any activity under your account is your responsibility.
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LTR reserves the right to suspend or terminate accounts that violate our policies, show signs of fraudulent activity, or provide misleading information.
5. Services Offered
LTR provides access to the following:
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Growth Plans – structured savings that earn returns through verified financial partners.
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Land Banking Schemes – real estate contribution programs with vetted property partners.
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Health Plans – access to health insurance via licensed health providers.
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Loans – referral and facilitation of credit through regulated lending institutions.
All financial transactions are subject to the terms and conditions of the respective licensed partners.
6. Payments and Withdrawals
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Users may save daily, weekly, or monthly using supported payment methods.
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Withdrawals are typically processed within 72 working hours.
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LTR does not guarantee specific timelines for processing delays caused by banks or payment processors.
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LTR reserves the right to review or delay transactions for security and compliance checks.
7. Returns and Earnings
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Earnings or interest rates displayed on the platform are subject to market performance and partner terms.
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LTR does not independently guarantee or fix any specific rate of return.
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All returns are credited based on the performance of underlying financial products offered by verified partners.
8. User Responsibilities
By using the platform, you agree to:
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- Use the service only for lawful purposes.
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- Not engage in fraud, misrepresentation, or abuse of the platform.
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- Provide only accurate and verifiable information.
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- Not attempt to hack, disrupt, or misuse the website or its systems.
9. Partner Institutions
LTR collaborates with licensed and regulated financial institutions to provide savings, loan, and investment opportunities.
While we vet all partners, LTR is not liable for losses, delays, or performance outcomes arising from actions taken by these third-party institutions.
10. Limitation of Liability
LTR, its directors, employees, and affiliates shall not be liable for any:
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- Loss of profits, data, or business opportunities;
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- Delays in fund processing due to external financial systems;
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- Partner institution default or non-performance;
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- Unauthorized access to your account due to user negligence.
11. Disclaimer
LTR provides its services on an “as is” and “as available” basis. We do not warrant uninterrupted, error-free, or guaranteed outcomes from using the platform.
LTR does not offer personalized financial advice. Users are encouraged to seek independent financial or legal counsel before making investment decisions.
12. Data Protection and Privacy
Your privacy is important to us. We collect and process your personal data in line with the Nigeria Data Protection Regulation (NDPR) and other applicable laws.
For details, please review our Privacy Policy.
13. Intellectual Property
All trademarks, logos, and content displayed on the LTR platform remain the property of LTR Limited.
You may not reproduce, distribute, or modify any materials without prior written consent from the company.
14. Changes to the Terms
LTR reserves the right to modify these Terms of Service at any time. Updates will be posted on this page, and continued use of the platform after such changes constitutes acceptance of the updated terms.
15. Termination
LTR reserves the right to suspend or terminate your access to the platform if you:
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- Violate any provision of these terms;
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- Engage in fraudulent or illegal activity; or
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- Misuse or disrupt the service.
16. Governing Law
These Terms of Service shall be governed by and interpreted in accordance with the laws of the Federal Republic of Nigeria.
17. Contact Us
For questions or concerns regarding these Terms, please contact: