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Terms of Use

The terms under which the Halo platform and its financial products are offered.

This document is being finalized. The final version will be published here before our next product release. For questions in the meantime, contact support@haloasset.com.

What this page will cover

Banking services are provided by Halo Microfinance Bank Ltd, licensed by the Central Bank of Nigeria (CBN). Asset and investment management services are provided by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC). The published version of this document will outline the terms under which our financial products and services are offered, and your rights and responsibilities as a user.

Until the final version is live, your use of the Halo platform remains governed by the agreements you accept inside the Halo app at the time of sign-up.

Halo

Halo brings regulated banking and investment management together in one place — helping Nigerians and Nigerian businesses save, invest, and grow. Banking by Halo Microfinance Bank Ltd (CBN-licensed, NDIC-insured). Investments by Halo Nigeria Capital Management Ltd (SEC-licensed).

Personal Banking

  • Savings
  • Investments
  • Banking
  • Communities

Business Banking

  • Transfers
  • Placements
  • Beneficiary Management

Banking-as-a-Service

  • Company Wallet
  • Account Management
  • Embedded Savings & Investments

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Licensed by CBN
Microfinance Banking
SEC Regulated
Investment Management

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  • Account Deletion

Halo Nigeria Capital Management Ltd — SEC-licensed  |  Halo Microfinance Bank Ltd — CBN-licensed

Banking services are provided by Halo Microfinance Bank Ltd, a microfinance bank licensed by the Central Bank of Nigeria (CBN). Asset and investment management services are provided by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC). Our financial products and solutions cater to the banking and investment needs of individuals and institutional clients. We provide investment services and other financial products through our web and mobile applications.

© 2026 Halo Nigeria Capital Management Ltd and Halo Microfinance Bank Ltd  |  All rights reserved

29A Berkeley Street, Onikan, Lagos