Terms of Use

TurnetFinance (“we,” “us,” “our,” or “the Platform”) is a Nigerian digital finance content and tools platform operated at turnetfinance.ng. TurnetFinance is owned and operated by Abraham Adebisi and the TurnetFinance team, registered and operating in Nigeria.

Our mission is to provide Nigerians with free, accurate, and practical financial information, calculators, and comparison tools to help them make better money decisions in everyday Nigerian life. We cover topics including loan apps, cost of living, salary breakdowns, budgeting, savings, data plans, side hustles, student finance, and earning in foreign currency.

TurnetFinance is an information platform, not a financial institution. We do not offer loans, accept deposits, manage investments, provide insurance, or act as a broker, agent, or intermediary for any financial transaction. We are a publisher and information service.

TurnetFinance is intended for use by individuals who are:

• At least 18 years of age, or the age of majority in their jurisdiction, whichever is higher
• Accessing the platform for personal, non-commercial informational purposes
• Legally permitted to access financial information services in their country of residence
• Not using the platform in any manner that violates these Terms or applicable Nigerian law

By using TurnetFinance, you represent and warrant that you meet all of the above eligibility requirements. If you are under 18, you may only use this platform with the direct supervision of a parent or legal guardian who agrees to these Terms on your behalf.

TurnetFinance provides a suite of 12+ free Nigerian finance calculators and comparison tools including but not limited to the Loan Calculator, Monthly Budget Planner, Salary Breakdown Tool, Loan App Comparator, Cost of Living Calculator, Savings Goal Tracker, Data Plan Comparator, Rent Affordability Checker, Side Hustle Income Estimator, Dollar Earnings Converter, CGPA Calculator, and Tuition Savings Planner.

By using our tools, you acknowledge and agree to the following:

• Tools provide estimates only. All outputs — including loan repayment figures, tax calculations, cost of living estimates, salary breakdowns, CGPA scores, and tuition savings projections — are mathematical estimates based on publicly available data and standard formulas. They are not guarantees of actual costs, earnings, or outcomes.
• Data may be outdated. Nigerian loan rates, tax bands, data plan prices, and living costs change frequently. While we update our tools regularly, some figures may not reflect the most current market rates. Always verify critical figures directly with the relevant institution or service provider.
• Tools do not account for individual circumstances. Our tools use general assumptions and cannot factor in your specific employment contract, personal tax situation, credit score, or individual lifestyle. Results should be treated as indicative, not definitive.
• Tools are provided free of charge and without warranty. TurnetFinance reserves the right to modify, suspend, or discontinue any tool at any time without notice.
• No tool constitutes financial advice. See Section 4 for the full disclaimer on financial advice.

This is one of the most important sections of these Terms. Please read it carefully.

Specifically:

• Our loan app reviews and comparisons are general assessments based on publicly available information. They are not personalised recommendations for your financial situation.
• Our salary breakdown tool calculates estimates based on standard Nigerian PAYE formulas. Actual deductions depend on your specific employer, contract, and tax circumstances.
• Our cost of living estimates are regional averages. Your actual costs will depend on your specific neighbourhood, lifestyle, and spending habits.
• Our savings projections assume consistent contributions and stable interest rates. Actual savings outcomes depend on discipline, market conditions, and platform terms.
• Our CGPA Calculator uses the standard Nigerian 5-point scale. Different universities may apply institution-specific grade boundaries — always verify with your academic registry.
• Any mention of specific interest rates, returns, or financial products is for informational comparison only and does not constitute a recommendation to apply, invest, or borrow.

Before making any significant financial decision — including taking a loan, opening a savings account, investing money, quitting your job, or relocating — please consult a qualified and licensed financial advisor, accountant, or legal professional. TurnetFinance is not liable for financial decisions made based on information obtained from this platform.

All content on TurnetFinance — including but not limited to articles, blog posts, tool interfaces, tool logic and calculations, design elements, graphics, illustrations, logos, brand identity, the TurnetFinance name, and the underlying code of all tools — is the exclusive intellectual property of TurnetFinance and its creators, unless explicitly stated otherwise.

This content is protected under:

• Nigerian Copyright Act (as amended) and associated regulations
• The Berne Convention for the Protection of Literary and Artistic Works
• Applicable international intellectual property treaties to which Nigeria is a signatory

To request permission for commercial use, republication, or licensing of any TurnetFinance content, please contact info@turnetfinance.ng with details of your intended use.

You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use TurnetFinance for personal, non-commercial informational purposes subject to these Terms.

Permitted Uses

• Reading articles and using finance tools for personal financial education
• Sharing links to TurnetFinance content on social media, WhatsApp, or personal blogs
• Using tool outputs (screenshots, copied text) for personal budgeting, planning, or reference
• Subscribing to our newsletter for personal use
• Accessing the platform through any standard web browser or mobile device

Strictly Prohibited Uses

• Reproducing, copying, or redistributing any substantial portion of our content for commercial purposes without written permission
• Using automated tools (bots, scrapers, crawlers) to systematically extract content, data, or tool outputs
• Attempting to reverse-engineer, clone, or replicate any TurnetFinance finance tool or its underlying logic
• Using TurnetFinance content to create a competing product or service without written authorisation
• Misrepresenting TurnetFinance content as your own original work
• Attempting to gain unauthorised access to any part of the platform, server, or database
• Transmitting viruses, malware, or any harmful code through or to the platform
• Using the platform to spread misinformation about financial products or Nigerian institutions
• Harassing, threatening, or abusing TurnetFinance staff, contributors, or other users
• Circumventing any technical measures designed to protect platform content or functionality
• Using TurnetFinance for any purpose that violates Nigerian law, including the Cybercrimes (Prohibition, Prevention, etc.) Act 2015

If TurnetFinance offers any feature that allows you to submit content — including but not limited to comments, tool suggestions, contact form messages, newsletter responses, or social media interactions linked from our platform — the following terms apply:

• By submitting content, you grant TurnetFinance a non-exclusive, royalty-free, perpetual licence to use, display, and reproduce that content on the platform and in our communications, with or without attribution
• You represent that you own all rights to any content you submit and that it does not infringe any third-party intellectual property rights
• You agree not to submit content that is defamatory, fraudulent, obscene, harassing, threatening, or in violation of any applicable law
• TurnetFinance reserves the right to review, edit, or remove any user-submitted content at our sole discretion without notice or liability
• We are not obligated to publish, display, or retain any submitted content

Your contact form messages and email enquiries are treated as private correspondence and will not be published without your explicit consent.

TurnetFinance contains links to third-party websites, apps, and financial platforms. These links serve informational, referential, and affiliate purposes as described in our Affiliate Disclosure Policy.

Regarding third-party links, you acknowledge and agree that:

• TurnetFinance has no control over the content, accuracy, privacy practices, fees, or availability of any linked third-party website or application
• Linking to a platform does not constitute endorsement of that platform’s products, terms, or business practices
• When you click a link to a third-party platform, you leave TurnetFinance and become subject to the terms, conditions, and privacy policy of the destination site
• TurnetFinance is not responsible for any financial loss, data breach, identity theft, or harm resulting from your use of a third-party platform accessed through a link on our site
• Some links are affiliate links that earn TurnetFinance a commission — these are disclosed in our Affiliate Disclosure Policy
• The terms and interest rates of loan apps, savings platforms, and financial services change frequently. Always verify current terms directly with the platform before applying

TurnetFinance is a commercially supported platform. We earn revenue through advertising, affiliate commissions, sponsored content, lead generation, and other commercial arrangements as fully detailed in our Affiliate Disclosure & Monetization Policy.

By using TurnetFinance, you acknowledge and accept that:

• Advertisements from third-party networks may appear throughout the platform including in sidebars, within article content, as pop-up overlays, as push notifications (if you have opted in), and in other ad formats
• You may encounter affiliate links where TurnetFinance earns a commission if you click and complete a qualifying action. This does not cost you anything extra.
• Sponsored content will always be clearly labelled. If you believe any content is not properly labelled, please report it to us immediately.
• Third-party advertisers on our platform operate independently and TurnetFinance is not responsible for the accuracy of their advertisements or the quality of their products
• Pop-up and interstitial ads, where used, will always include a visible and functional close button

For detailed information on all advertising methods and affiliate relationships, please read our full Affiliate Disclosure Policy.

TurnetFinance is provided on an “as is” and “as available” basis without any warranties of any kind, whether express or implied. To the fullest extent permitted by Nigerian law, TurnetFinance expressly disclaims all warranties including:

• Accuracy: We do not warrant that all content, tool outputs, prices, rates, or data on the platform is accurate, complete, current, or error-free. Financial data changes rapidly and figures may be outdated.
• Availability: We do not warrant uninterrupted or error-free access to the platform. The website may be temporarily unavailable due to maintenance, server issues, or circumstances beyond our control.
• Fitness for purpose: We do not warrant that the platform or its tools are suitable for any particular financial purpose or personal circumstance.
• Security: While we implement reasonable security measures, we do not warrant that the platform is completely secure from hacking, data breaches, or malicious attacks.
• Third-party content: We do not warrant the accuracy or reliability of any third-party content, advertisements, or linked platforms referenced on TurnetFinance.

To the maximum extent permitted by applicable Nigerian law, TurnetFinance, its founders, team members, contributors, and affiliates shall not be liable for any:

• Direct damages arising from your use of or reliance on the platform, including financial losses from decisions made based on our content or tools
• Indirect, incidental, or consequential damages including lost profits, loss of data, loss of opportunity, or reputational damage
• Losses from third-party platforms accessed through links on TurnetFinance, including loan app fees, investment losses, or fraud
• Service interruptions caused by server downtime, technical failures, or force majeure events
• Inaccuracies in financial data that change after our last update and that you relied upon without independent verification

Where liability cannot be excluded by law, our total liability to you for any claim arising from your use of TurnetFinance shall not exceed the amount, if any, that you paid to TurnetFinance in the 12 months preceding the claim. Since TurnetFinance is a free platform, this amount is ₦0 (zero naira) in most cases.

You agree to defend, indemnify, and hold harmless TurnetFinance, its founders, team members, contributors, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or relating to:

• Your violation of these Terms of Use
• Your violation of any third-party rights, including intellectual property rights or privacy rights
• Any content you submit to the platform that causes harm to TurnetFinance or third parties
• Your use of the platform in any manner that violates applicable Nigerian or international law
• Any financial decisions you make based on information obtained from TurnetFinance without independent professional verification

This indemnification obligation will survive the termination of your use of the platform and these Terms.

Your privacy is important to us. Our collection and use of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference and should be read alongside them.

In summary, by using TurnetFinance you acknowledge that:

• We collect basic usage data through Google Analytics and similar tools to improve our content and tools
• Third-party advertising networks may place cookies and tracking pixels on your browser when you visit TurnetFinance
• If you subscribe to our newsletter, we collect your email address for communication purposes
• If you use any lead generation or interest forms on the platform, your information may be shared with partner financial institutions as described in our Affiliate Disclosure
• You have the right to request access to, correction of, or deletion of any personal data we hold about you
• We do not sell your personal data to third parties without your explicit consent

For full details on how we handle your data, please read our complete Privacy Policy.

TurnetFinance reserves the right to terminate, restrict, or suspend your access to any part or all of the platform at any time, with or without notice, if we reasonably believe that:

• You have violated any provision of these Terms of Use
• You have engaged in scraping, bot activity, or other automated abuse of the platform
• Your conduct poses a legal, reputational, or operational risk to TurnetFinance
• We are required to do so by applicable law or a lawful order from a Nigerian authority

We also reserve the right to discontinue the entire platform or any individual tool or section of it at any time. We will make reasonable efforts to provide advance notice of significant platform changes, but are not obligated to do so.

Upon termination, your right to use the platform ceases immediately. All provisions of these Terms that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnification — shall continue to apply.

TurnetFinance reserves the right to modify these Terms of Use at any time. Changes may be made to reflect:

• New features, tools, or services added to the platform
• Changes in Nigerian or applicable international law
• New advertising or affiliate relationships
• Updates to our content policies or editorial standards
• Feedback from our users and legal counsel

When we make material changes to these Terms, we will update the “Last Updated” date at the top of this page. For significant changes, we may also notify newsletter subscribers by email. Your continued use of TurnetFinance after any changes take effect constitutes your acceptance of the revised Terms.

We encourage you to review these Terms periodically. The most current version will always be accessible at turnetfinance.ng/terms-of-use.

These Terms of Use are governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of laws provisions. By using TurnetFinance, you consent to the exclusive jurisdiction of the courts of Nigeria for any disputes arising from these Terms or your use of the platform.

Applicable Nigerian laws governing this relationship include:

• The Nigerian Constitution (as amended)
• The Federal Competition and Consumer Protection Act (FCCPA) 2018
• The Cybercrimes (Prohibition, Prevention, etc.) Act 2015
• The Nigerian Copyright Act (as amended)
• The Nigeria Data Protection Regulation (NDPR) 2019 and subsequent amendments
• The Companies and Allied Matters Act (CAMA) 2020 where applicable

Before initiating any formal legal proceedings, we encourage you to contact us directly at info@turnetfinance.ng to attempt an amicable resolution. We are committed to resolving disputes fairly and quickly.

If you have any questions about these Terms of Use, wish to report a violation, want to request permission for content use, or have concerns about how this platform operates, please contact us through the channels below. We respond to all Terms-related enquiries within 48 hours on weekdays.