Welcome to Sohih.
These Terms and Conditions (“Terms”) govern your access to and use of www.sohih.ng (the “Website”) and all products, services, platforms, and applications operated by Sohih (collectively, the “Services”).
By accessing or using www.sohih.ng or any of our Services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of the Website and Services immediately.
Sohih provides Shari’a-compliant, non-interest financial solutions, structured through ethical, transparent, and permissible trade-based, service-based, and deferred payment arrangements.
Sohih is not a bank, microfinance bank, or deposit-taking institution, and does not accept public deposits.
To use our Services, you must:
● Be at least 18 years of age
● Have legal capacity to enter into a binding agreement
● Provide accurate, complete, and current information
● Reside in a jurisdiction where Sohih operates
● Use the Services only for lawful purposes
We reserve the right to decline, restrict, or terminate access where eligibility requirements are not met.
Subject to approval and availability, Sohih may provide:
● Non-interest, transaction-based personal and business financing, structured through permissible trade, service, or deferred payment arrangements
● Buy Now, Pay Later–type deferred payment solutions
● Ethical co-financing or partnership arrangements
● Account, application, and transaction management services
All Services are provided at Sohih’s discretion and are subject to internal review, risk assessment, and compliance checks.
● Users must complete all applications truthfully and in full.
● Submission of an application does not guarantee approval.
● Sohih may conduct identity verification, background checks, and lawful credit assessments in compliance with applicable consumer protection and data protection laws.
● Approval decisions are made at Sohih’s discretion.
● Upon approval, users will receive a clear agreement outlining payment amounts, schedules, and any applicable profit or service charges.
● Sohih operates strictly on a non-interest (non-riba) basis.
● No interest is charged or earned.
● Any profit, fee, or service charge is disclosed upfront.
● Charges are fixed or clearly determinable and are not compounded over time.
● By using our Services, you acknowledge and accept this structure.
You agree to:
● Provide and maintain accurate personal, financial, and banking information
● Comply with all applicable laws and regulations
● Keep your account credentials confidential
● Regularly review your account and obligations
● Promptly notify Sohih of any material changes to your information
● You are responsible for all activities conducted through your account.
● Payments must be made strictly in accordance with the agreed schedule.
● Approved payment methods may include bank transfers, debit cards, or other authorized channels.
● Where legally permissible and in compliance with applicable regulations, Sohih may report unresolved payment defaults to recognized credit bureaus.
● Sohih prioritizes communication and amicable resolution before enforcement.
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A default occurs when agreed payment obligations are not met.
In the event of default, Sohih may:
● Contact you to seek resolution
● Restrict or suspend access to Services
● Engage lawful recovery processes
● Initiate legal recovery where necessary
Any recovery action shall be reasonable, proportionate, and conducted in compliance with applicable consumer protection laws.
All content on sohih.ng, including text, graphics, logos, designs, and software, is the property of Sohih or its licensors.
No content may be reproduced, distributed, or exploited without prior written consent.
Sohih is committed to protecting your personal data.
● All collection, use, storage, and disclosure of personal information are governed by our Privacy Policy, which forms an integral part of these Terms.
● By using the Services, you consent to data processing as described in the Privacy Policy and in accordance with the Nigeria Data Protection Regulation (NDPR).
● To the maximum extent permitted by law, Sohih shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Website or Services.
● Nothing in these Terms limits liability where such limitation is prohibited by law.
● Any liability arising directly from the Services shall not exceed the amount paid by you in relation to the specific transaction giving rise to the claim.
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You agree to indemnify and hold harmless Sohih, its officers, employees, and partners from any claims, losses, liabilities, or expenses arising from:
● Your misuse of the Services
● Breach of these Terms
● Violation of applicable laws or third-party rights
Sohih may suspend or terminate access to the Services, with or without prior notice where reasonably necessary, if:
● These Terms are breached
● Fraud or misuse is suspected
● Required by law or regulation
● Continued access poses risk to Sohih or other users
● Outstanding obligations remain payable upon termination.
These Terms are governed by the laws of the Federal Republic of Nigeria.
All disputes shall be subject to the exclusive jurisdiction of Nigerian courts.
Sohih may revise these Terms from time to time by posting updates on www.sohih.ng.
Where changes materially affect user rights or obligations, reasonable notice will be provided. Continued use of the Services constitutes acceptance of the revised Terms.
You consent to receiving communications electronically, including via email, SMS, and the Website.
Electronic acceptance of these Terms constitutes a binding agreement.
For enquiries, complaints, or support:
Website: www.sohih.ng
Email: support@sohih.ng
By accessing or using www.sohih.ng or any Sohih Service, you confirm that you have read, understood, and agreed to be bound by these Terms and Conditions.