Financial Disclaimer
Last updated: 5 September 2026
Debtfree.NG is a debt-management, financial education and organisation tool. It is not a bank, lender, credit bureau, debt collection agency, law firm, or licensed financial adviser, and nothing in the platform is professional advice.
1. No guaranteed outcomes
Debtfree.NG does not guarantee that you will:
- Become debt-free by any particular date
- Improve your credit profile or credit score
- Obtain a loan or any form of credit
- Negotiate or obtain any particular settlement with a lender
- Achieve any particular financial outcome
Debt-free dates, monthly targets, payoff orders and simulations are estimates calculated from the information you enter. Real results depend on your actual income, spending, interest, fees and lender behaviour.
2. AI Coach
AI Coach responses are informational and educational. They should not be treated as personalised legal, financial, investment, lending, credit or other professional advice. AI systems can be incomplete or wrong. Verify anything important with a qualified professional before acting.
3. Harassment Defense materials
Complaint drafts, response reviews and escalation drafts are provided as organisational and educational assistance based on the details you enter. They are not legal advice and are not a guarantee of any regulatory outcome. Debtfree.NG does not submit complaints on your behalf to the FCCPC or any other authority, does not represent you, and does not make legal conclusions about your situation.
4. Loan safety information
Loan-safety reports summarise information gathered from public sources at the time of the check. They may be incomplete or out of date, are not an endorsement or a warning about any lender, and should not be your only basis for deciding to borrow.
5. Accuracy depends on your input
Balances, progress, scores, budgets and plans are calculated from the figures you enter. If your figures are incomplete or inaccurate, the results will be too.
6. Your responsibility
You remain fully responsible for the financial decisions you make, including any decision made using information provided by Debtfree.NG. For advice specific to your circumstances, speak to a licensed financial adviser, accountant or qualified lawyer in Nigeria.
7. Contact
Debtfree.NG Technology Limited · debtfreeng@gmail.com