Terms of Use

Effective Date: 24th September 2025

Welcome to CJO International’s Invoice Discounting Platform (“the Platform”). By accessing or using this website and related services, you agree to be bound by these Terms of Use (“Terms”). Please read them carefully. If you do not agree, you must discontinue use of the Platform.

1. Definitions

  • “Company,” “we,” “our,” or “us” refers to CJO International.

  • “User,” “you,” or “your” refers to any person, SME, corporate, or institution accessing or using the Platform.

  • “Services” refers to all solutions offered via the Platform, including electronic invoice discounting, financial advisory, literacy programs, and partnership solutions.

2. Eligibility

To use this Platform, you must:

  • Be at least 18 years old.

  • Have the legal authority to enter into binding agreements on behalf of yourself or your business.

  • Ensure that all information provided is accurate, complete, and up to date.

3. Use of Services

  • Users may submit invoices for discounting only if they represent legitimate, verifiable business transactions.

  • You agree not to misuse the Platform by engaging in fraudulent activity, providing false documents, or violating applicable laws.

  • The Company reserves the right to verify any information submitted and may refuse or suspend services at its discretion.

4. Account Registration

  • Certain features require account registration. You are responsible for maintaining the confidentiality of your login credentials.

  • Any activity under your account will be deemed your responsibility. Notify us immediately of unauthorized access.

5. Fees and Charges

  • Applicable fees, discounts, or charges will be communicated clearly before any transaction is finalized.

  • CJO International reserves the right to update its pricing model with reasonable notice to Users.

6. Data Privacy

  • We are committed to protecting your personal and business data in accordance with applicable data protection laws.

  • By using the Platform, you consent to our collection, processing, and storage of information as outlined in our Privacy Policy.

7. Intellectual Property

  • All content, branding, software, and materials on this Platform remain the exclusive property of CJO International.

  • Users may not copy, distribute, or modify Platform content without prior written consent.

8. Disclaimers

  • The Platform is provided “as is” without warranties of any kind.

  • While we strive to ensure accuracy and availability, we do not guarantee uninterrupted access or error-free services.

  • CJO International is not liable for losses resulting from user decisions, delayed payments, or third-party actions.

9. Limitation of Liability

To the maximum extent permitted by law, CJO International shall not be liable for:

  • Indirect, incidental, or consequential damages.

  • Loss of profits, data, or business opportunities arising from use of the Platform.

10. Termination

  • We may suspend or terminate access to the Platform if a User breaches these Terms, engages in fraudulent activity, or violates applicable laws.

  • Users may close their accounts at any time by contacting customer support.

11. Governing Law

These Terms shall be governed by and construed under the laws of the Federal Republic of Nigeria. Disputes will be subject to the exclusive jurisdiction of Nigerian courts.

12. Changes to Terms

CJO International reserves the right to update these Terms at any time. Users will be notified of material changes, and continued use of the Platform indicates acceptance of updated Terms.

13. Contact Information

For questions or concerns regarding these Terms, please contact:

CJO International
Email: This email address is being protected from spambots. You need JavaScript enabled to view it.
Phone: +(234)-803-597-6361
Address: 16 Sotoria Avenue, Akwakkuma Owerri,
Imo State, Nigeria