Effective Date: July 30, 2025
Last Updated: July 30, 2025

1. Company Information

• Company Name: REAL Recruitment Employment Agency Limited

• Registration Number: 8234213

• Registered Office: Business Centre, 36, Oluwole Street, Ejigbo, Lagos State, Nigeria. Postal code: 100264

• Contact Email: info@reallending.ng

• Phone: 09043420796

• Website: www.reallending.ng

2. Definitions

• “Company,” “we,” “us,” or “our” refers to REAL Recruitment Employment Agency Limited

• “Services” refers to recruitment, employment, loan, and related services provided

• “Client” refers to employers seeking recruitment services

• “Candidate” refers to job seekers using our services

• “User” refers to any person accessing our services, website, or mobile application

• “Platform” refers to our website, mobile application, and related digital services

3. Acceptance of Terms

By accessing or using our services, you agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please discontinue use immediately.

4. Services Provided

4.1 Recruitment Services

• Job placement and matching services

• CV review and optimization

• Interview preparation and coordination

• Employment verification and background checks

• Temporary and permanent staffing solutions

• Emergency shift cover (24-hour response)

• Professional development and training coordination

4.2 Employment-Linked Loan Services

• Loan eligibility assessment

• Employment-linked financial products

• Credit evaluation and processing

• Loan application management

• Financial counseling and support

4.3 Mobile Application Services

• Job search and application functionality

• CV/document upload and management

• Placement tracking and updates

• Communication with recruitment team

• Training access and progress tracking

4.4 Additional Services

• Professional training and certifications

• HR consulting and solutions

• Payroll management services

• Compliance and regulatory support

5. Eligibility and Registration

5.1 General Eligibility

• Must be 18 years or older

• Must provide accurate and complete information

• Must have legal right to work (for employment services)

• Must meet specific criteria for loan services

5.2 Registration Requirements

• Valid identification documents

• Proof of address

• Professional qualifications (where applicable)

• Right to work documentation

• Banking information (for loan services)

6. User Obligations

6.1 Information Accuracy

• Provide truthful and accurate information

• Update information promptly when changes occur

• Notify us of any discrepancies immediately

6.2 Compliance

• Comply with all applicable laws and regulations

• Respect intellectual property rights

• Use services for legitimate purposes only

• Maintain confidentiality of login credentials

6.3 Prohibited Activities

• Fraudulent or misleading information

• Harassment or discrimination

• Unauthorized access to systems

• Violation of third-party rights

• Illegal or unethical conduct

7. Fees and Payments

7.1 Candidate Services

• Registration: FREE

• CV review: FREE

• Interview preparation: FREE

• Basic training: FREE

• Job placement: FREE (fees paid by employers)

• Loan form submission: ₦1,000 registration fee (applies to all loan types)

7.2 Client Services

• Standard placement fee: 20% of annual salary

• Special arrangements: As per individual agreements

• Emergency staffing: Premium rates apply

• Payment terms: 30 days (unless otherwise agreed)

7.3 Loan Services

• Interest rates and fees as per loan agreement

• Processing fees may apply

• Early repayment terms available

• Default charges as per regulatory guidelines

8. Data Protection and Privacy

8.1 Data Collection

We collect personal data necessary for service delivery, including:

• Personal identification information

• Employment history and qualifications

• Financial information (for loan services)

• Communication records

• Technical data from platform usage

8.2 Data Use

Your data is used for:

• Service delivery and administration

• Compliance with legal obligations

• Communication and support

• Service improvement and development

• Marketing (with consent)

8.3 Data Sharing

We may share data with:

• Potential employers (with your consent)

• Training partners and certification bodies

• Financial institutions (for loan services)

• Regulatory authorities (as required by law)

• Technology service providers (under strict agreements)

8.4 Data Security

• Encrypted storage and transmission

• Access controls and authentication

• Regular security audits and updates

• Incident response procedures

• Staff training on data protection

9. Intellectual Property

9.1 Company Property

All content, trademarks, logos, and intellectual property remain our exclusive property.

9.2 User Content

You retain ownership of content you provide but grant us license to use it for service delivery.

10. Liability and Disclaimers

10.1 Service Availability

• Services provided “as is” without warranties

• No guarantee of job placement success

• Loan approval subject to eligibility criteria

• Platform availability not guaranteed 24/7

10.2 Limitation of Liability

Our liability is limited to the fees paid for services. We are not liable for:

• Indirect or consequential damages

• Loss of income or business opportunities

• Third-party actions or decisions

• Force majeure events

11. Termination

11.1 By User

You may terminate your account at any time by contacting us.

11.2 By Company

We may terminate accounts for:

• Breach of these terms

• Fraudulent or illegal activity

• Non-payment of fees

• Misuse of services

11.3 Effect of Termination

• Data retention as per Privacy Policy

• Outstanding obligations remain

• Certain provisions survive termination

12. Dispute Resolution

12.1 Governing Law

These terms are governed by Nigerian law.

12.2 Dispute Process

• Initial resolution through direct communication

• Mediation through recognized bodies

• Arbitration if mediation fails

• Court proceedings as last resort

13. Amendments

We may update these terms with 30 days’ notice. Continued use constitutes acceptance of changes.

14. Contact Information

For questions about these terms:

• Email: info@reallending.ng

• Phone: 09043420796

• Address: Business Centre, 36, Oluwole Street, Ejigbo, Lagos State, Nigeria

15. Severability

If any provision is found invalid, the remainder of these terms remain in effect.

16. Entire Agreement

These terms, together with our Privacy Policy, constitute the complete agreement between parties.

Acknowledgment

By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

REAL Recruitment Employment Agency Limited
July 30, 2025