Legal Vault | PrimeYieldNG

FAQ

Privacy

Terms

Comprehensive Support FAQ

PrimeYieldNG acts as a liquidity bridge. Your deposit is pooled with institutional capital to fund high-frequency micro-loans for SMEs (Small to Medium Enterprises). These businesses pay high daily interest for short-term liquidity. We retain a small percentage for insurance and administrative costs, passing 10% directly to you every 24 hours.

To ensure the stability of the lending ecosystem, funds are committed to active loan contracts. These contracts are legally structured in 20-day cycles. Withdrawing early would break the loan agreement with our enterprise partners. Therefore, the system automatically unlocks your full balance (Capital + 100% Profit) exactly once the 200% target is achieved.

Yes. We utilize a Collateralized Lending Model. Every loan issued by PrimeYieldNG is backed by physical or digital assets from the borrower. In the rare event of a borrower default, the collateral is liquidated to ensure that our lenders' (your) initial capital remains unaffected.

Yes, you can run multiple lending cycles simultaneously. Each deposit is treated as a separate contract with its own 20-day maturation timer.

We support all major Nigerian commercial banks, as well as licensed neobanks like OPay, Palmpay, and Kuda.

Upon reaching maturation, withdrawal requests are processed via our automated clearing house. Most members receive their funds within 5 to 30 minutes. In cases of extreme bank network congestion, it may take up to 24 hours.

No. Registration is 100% free. There are no monthly fees, maintenance costs, or withdrawal taxes. The profit shared with you is "Net Profit," meaning we have already deducted our operational costs before crediting your 10%.

The maximum deposit limit is adjusted daily based on the current volume of verified loan requests in our pipeline. This ensures we never take more capital than we can profitably lend out. Please check the "Deposit" section of your dashboard for today's institutional limit.

No. Unlike Ponzi schemes that rely on new members' money to pay old ones, PrimeYieldNG is a debt-market platform. Our revenue is generated through real-world commercial interest from businesses. We do not require you to refer anyone to earn your 10% daily return.

For security reasons, password resets are handled in you profile dashboard settings only and cant be changed outside that. So we advise you to save your password well incase you forget it.

Yes. Participants must be at least 18 years of age and possess a valid means of receiving financial payouts in their jurisdiction.

Bank details are not saved after withdrawal because of assurance. So anytime you want to make a withdrawal you have to imput in your bank details again.

Our platform is hosted on military-grade servers with 256-bit SSL encryption. We employ Cloudflare advanced DDoS protection to ensure the dashboard remains accessible 24/7 without interruption.

The system credits your ROI exactly 24 hours after your deposit is confirmed on the blockchain or via our bank gateway. It is a precise rolling 24-hour clock.

Our support team is available 24/7. You can reach us via the support page or by emailing support@primeyieldng.com. Response times for members are typically under 35 minutes.

For more questions you can contact our support team at support@primeyieldng.com or through the support page.

Privacy & Data Protocol

Institutional Data Vault

PrimeYieldNG employs the "Zero-Knowledge" principle. We collect the absolute minimum data required to facilitate lending cycles and process 2X payouts. Your information is never sold, rented, or shared with third-party marketing agencies.

1. Information Collection

To maintain the integrity of our micro-finance ecosystem, we collect the following:

Identity Data

Legal name and verified email address for account ownership and cycle notifications.

Financial Data

Designated payout bank account numbers or wallet addresses used solely for automated disbursement.

2. Encryption & Protection

Our "Vault" architecture ensures that lenders' data remains inaccessible to unauthorized parties:

AES-256 Encryption: All sensitive financial data is encrypted at rest using military-grade standards.
SSL/TLS 1.3: Data in transit is protected by high-bit rate Secure Socket Layers.
Hash Passwords: We utilize Argon2 hashing; even our administrators cannot view your account password.

3. Third-Party Payout Channels

We only transmit your payout data to verified financial clearing houses (Commercial Banks, OPay, Palmpay) during the withdrawal window. We do not integrate with social media trackers, Facebook Pixels, or Google Remarketing scripts.

4. Automatic Data Purgation

To protect your long-term privacy, PrimeYieldNG practices "Maturation Erasure." Once a lending cycle is completed, withdrawn, and the account remains inactive for 12 months, all sensitive transaction logs are automatically shredded from our primary servers.

Privacy Officer: privacy@primeyieldng.com

Terms of Service Agreement

Article 1: Binding Maturation & Liquidity

By initiating a deposit into the PrimeYieldNG, the user ("Lender") enters into a binding 20-day liquidity agreement. Capital is immediately deployed into active micro-loan contracts. Consequently, capital is strictly non-liquid and cannot be withdrawn, reversed, or refunded until the 200% (2X) profit maturation threshold is achieved.

Lender Eligibility

Identity Integrity

Lenders must provide accurate financial details. PrimeYieldNG is not liable for funds disbursed to incorrect bank accounts provided by the user.

Single Account Policy

To prevent system manipulation, only one account is permitted per individual. Sybil attacks or multi-accounting will result in a permanent asset freeze.

Article 2: Operational Protocols

2.1

Daily ROI: The 10% daily return is calculated based on the initial principal. Earnings are credited to the digital vault every 24 hours from the time of deposit confirmation.

2.2

Auto-Disbursement: Upon reaching 200% maturation, the payout window opens. Lenders are required to initiate the withdrawal via their dashboard for automated clearing house (ACH) processing.

2.3

Platform Liability: Prime acts as a facilitator for debt-market participation. We guarantee the distribution of collected interest but are not liable for external bank network downtimes.

Institutional Risk Disclosure

While PrimeYieldNG utilizes a collateralized micro-loan model to minimize default risk, all financial participation involves market variables. Lenders should only allocate capital that they intend to remain stationary for the duration of the 20-day cycle. PrimeYieldNG does not provide financial advice; participation is at the lender's discretion.

PrimeYieldNG reserves the right to adjust lending tiers and interest spreads based on global credit market volatility.