Terms of use

1.About these terms

These terms are an agreement between you and Imran Roofing & Properties ("we", "us", "our"). They apply when you visit stocks.imranroofing.com.ng, create an account on the investor dashboard at stocks.imranroofing.com.ng/app, or use any Imran Invest app (together, the "Platform").

By creating an account or buying units you confirm that you have read and accept these terms, our privacy policy, risk disclosure and AML & KYC policy. If you do not agree, do not use the Platform.

2.Who can use the Platform

• You must be at least 18 years old and able to enter into a binding contract.
• You must have a bank account in Nigeria in your own name.
• You may only have one account, and only for yourself. You may not open or operate an account on behalf of someone else.
• The information you give us must be true, complete and kept up to date.

3.Your account and security

You are responsible for keeping your password, transaction PIN and any one-time codes secret. Anyone who uses them is treated as you. Tell us straight away if you think someone else has accessed your account.

We will never ask for your password, PIN or one-time codes by phone, SMS, email or WhatsApp. Anyone who does is not us.

4.Identity verification

Before you can withdraw, you must give us your personal details: your full name, date of birth, phone number, home address, occupation, source of funds and next of kin. We may review them and ask for documents. Once verified, your name can only be changed by contacting support.

Payout accounts must be in your own name. We check the account holder's name with your bank when you add or edit an account.

We may ask for more information at any time, and may refuse, suspend or close an account if we cannot verify it. See our AML & KYC policy.

5.Units

A unit is a fixed amount of investment in Imran Roofing & Properties. The money raised is used in the business, including production, operations, expansion and new products. Owning units does not make you a shareholder, director or partner of the company and does not give you voting rights.

• Price. The current price is ₦7,500 per unit. The price for each purchase is the one shown before you confirm.
• Rate. Each purchase earns a projected 18% over its term. The rate shown when you buy applies to that purchase for its whole term.
• Term. Each purchase runs for 6 months from the day it is activated.
• Daily interest. Interest is calculated and added to your portfolio balance daily so you can follow it. It becomes available to withdraw when the purchase matures.
• No early withdrawal. You cannot withdraw a purchase before it matures.
• Changes. We may change the unit price, rate or term for future purchases. Changes never affect purchases you have already made.

6.Paying for units

You can pay from your wallet, by debit card through our payment partner Paystack, or by bank transfer, where these are available. A purchase is activated once we receive and confirm your payment. Card and wallet payments are usually confirmed straight away; bank transfers once our team matches your payment.

Payments must come from an account in your own name. We may reverse or refuse payments from third parties. We do not store your full card details; card payments are processed by Paystack under its own terms.

7.Withdrawals

When a purchase matures, its value (what you paid plus interest earned) is ready to withdraw. You can send it to a verified bank account in your name, approved with your transaction PIN, or move it to your wallet and buy new units.

• The minimum withdrawal is ₦5,000 and there is no withdrawal fee.
• Withdrawals are reviewed and usually paid within 24 to 48 working hours.
• We may delay a withdrawal to complete security or compliance checks, or where the law requires it. We will tell you if this happens.

8.Your wallet

Your wallet holds money you have added or moved from matured units, ready to buy units or withdraw. It is not a bank account, and money in it does not earn interest.

9.Risk

Units are a business investment. Returns are not guaranteed, you could get back less than you put in, and your money is locked for the term. Read our risk disclosure before you buy.

10.Things you must not do

• Use the Platform for fraud, money laundering, terrorist financing or any unlawful purpose.
• Use money that is not yours, or that comes from an unlawful source.
• Give false information or impersonate anyone.
• Try to access other people's accounts, interfere with the Platform, or copy or scrape it with automated tools.

11.Suspension and closure

We may suspend or close your account, or refuse a transaction, if we reasonably believe you have broken these terms, if we cannot verify your identity, or if the law requires it. You can ask us to close your account at any time. Units that have not matured stay invested until they mature, and we will pay out what you are owed to your verified bank account.

12.Fees

We do not charge a fee to buy units. Withdrawals carry no withdrawal fee. Your bank or card provider may charge its own fees. We will give you notice before introducing or changing any fee.

13.Our content

The Imran Invest name, logo, website, dashboard and apps belong to us or our licensors. You may use them only to manage your own investment.

14.Our responsibility to you

We will run the Platform with reasonable care and skill. To the extent the law allows, we are not responsible for losses caused by events outside our reasonable control, by your failure to keep your login details safe, or by the normal risks of investing described in our risk disclosure. Nothing in these terms limits any liability that cannot be limited under Nigerian law.

15.Changes to these terms

We may update these terms from time to time. We will post the new version here with a new date and, for important changes, tell you by email or in the dashboard. If you keep using the Platform after a change takes effect, the new terms apply.

16.Governing law and disputes

These terms are governed by the laws of the Federal Republic of Nigeria. If you have a complaint, please use our complaints process first. If we cannot resolve it, either of us may take it to the courts of Nigeria.

17.Contact us

Email: info@imranroofing.com.ng
WhatsApp: 08106487315 (Engr Ayyub)
WhatsApp enquiry group: join here