Terms of service

FinBless, owned and operated by E-Bless Communications Global, is a community debt-support platform. Members register real debts, which our team verifies. Members may contribute to Freedom Heart, a monthly pool that is split according to an approved allocation policy between platform management and verified member debts. FinBless does not lend money, does not offer loans, and is not a bank or investment scheme.

You must provide accurate information when you join and when you register a debt — including the true lender name, loan ID, and the account number and exact account name that received the loan. Providing false information may lead to rejection of the debt and closure of your account. You are responsible for keeping your password private. For your safety, you are signed out automatically after 30 minutes without activity.

Freedom Heart contributions are voluntary. The monthly price and the management percentage are set by FinBless and shown before you pay. The remaining pool is allocated to verified debts according to the approved allocation policy, including referral-level allocations. Referral allocations are never paid to you as personal cash — they go only towards verified debts.

Repayment timing is not guaranteed. Allocation to your debt depends on the pool, the allocation policy and other members' verified debts. A verified debt does not guarantee payment in any particular month. When your debts are fully settled, your debt-relief cycle completes and your membership closes; you may rejoin afterwards.

When allocations reach your verified debt, FinBless pays the lender directly to the verified account details on record. You may request a lender payment, but all payments are reviewed and sent by the FinBless team. We never pay money to members' personal accounts for debt relief.

You must not misuse FinBless: no false debts, no attempt to access another member's account, no abuse of the referral system, and no use of the platform for money laundering or fraud. We may suspend or close accounts that break these rules, and report illegal activity to the authorities.

We work hard to keep FinBless accurate and available, but the service is provided "as is". To the extent the law allows, E-Bless Communications Global is not liable for losses caused by events outside our reasonable control, by payment-provider failures, or by incorrect information supplied by members.

These terms are governed by the laws of the Federal Republic of Nigeria. Disputes will be handled in Nigerian courts.