HoneyPays Micro Credit Investment Limited is registered:

  1. To carry on the business of investing funds of the shareholders, associates and partners of the company as well as the general public.
  2. To engage in the business of providing micro-credit facilities and to provide financial and technical assistance and support to individuals, small scale enterprises.

HoneyPays Micro Credit Investment Limited is a Non-Banking Financial Institution, duly incorporated under the COMPANY AND ALLIED MATTERS ACT 1990 (hereinafter referred to as the ‘Company’).


This notice is provided to you in as your legal right, because you are considering dealing with the Company in investing in high-risk derivative financial instruments with which the Company conducts its business (hereinafter the “Financial Instrument”).


This notice cannot and does not disclose or explain all of the risks and significant aspects of the Company’s activities related to dealing in Financial Instruments and is solely designed to explain in general terms the nature of the risks particularly to dealing in Financial Instruments and to help you take decisions on an informed basis.



The Client should not use the services of the Company’s Fund Management unless he knows and understands the risks involved for each one of the Financial Instruments with which the Company conducts its business. So, prior to registering an account and making a deposit with the Company, the Client should consider carefully whether the Company’s investing in Financial Instruments is suitable to him in the light of his circumstances and financial resources.


The Client is warned of the following risk:

  1. Under certain market conditions it may be difficult or impossible for the Company to execute an order, therefore the Client can incur significant losses, up to the total depreciation of investments.
  2. Placing Stop Loss Orders serves to limit losses of the Company on behalf of the Client. However, under certain market conditions the execution of a Stop Loss Order may be worse than its stipulated price and the realized losses can be larger than expected.
  3. There is a risk that the Company’s trades in Financial Instruments may be or become subject to tax and/or any other duty for example because of changes in legislation or its personal circumstances. The Company does not warrant that no tax and/or any other stamp duty will be payable. The Client should be responsible for any taxes and/ or any other duty which may accrue in respect in respect of the Company’s trades on behalf of the Client.
  4. The Company will not provide the Client with investment advice relating to investments or possible transactions in investments or make investment recommendations of any kind.
  5. Investing in some Financial Instruments entails the use of “gearing” or “leverage”. In considering whether to engage in this form of investment, the Client should be aware that the high degree of “gearing” or “leverage” is a particular feature of Derivative Financial Instruments. This stems from the margining system application to such trades, which generally involves a comparatively modest deposit or margin in terms of overall contract value, so that a relatively small movement in the underlying market can have a disproportionately dramatic effect on the Company’s trade. If the underlying market movement is in the Company’s favor, the Company may achieve a good profit on behalf of the Client, but an equally small adverse market movement can quickly result in the loss of the Client’s enter deposit. In regard to the Company’s trade in Derivative Financial Instruments, Derivative Financial Instruments is a non-delivery spot transaction giving an opportunity to make profit on changes in currency rates, commodity, stock market indices or share prices called the underlying instrument. The Client should not invest in the Company’s Investment Portfolio unless he is willing to undertake the risks of losing entirely all the money which he has invested and also any additional commissions and other expenses incurred.
  6. The Company may be required to hold the Client’s money in an account that is segregated from other clients and the Company’s money, but this does not guarantee the full protection of the Client’s funds in the event of force majeure circumstances.

This notice cannot and does not disclose or explain all of the risk and other significant aspects involved in dealing in all Financial Instrument and investment services provided by the Company.

The Company reserves the right to review and/or amend its Risk Disclosure statements, at its sole discretion, whenever it deems fit or appropriate.

Our Risk Disclosure statements are not part of our Terms and Conditions of Business and are not intended to be contractually binding or impose or seek to impose any obligations on us which we would not otherwise have.




  1. HoneyPays Micro Credit Investment Ltd will by means of Arbitration/negotiations make reasonable effort to settle all disputes between the Company and all parties related to investments, transactions, payments of Returns on Investment, pay outs and other actions.

In the event of a dispute which include but not limited to, delay in payment of Returns on Investment, Refund or any other transaction, the investor may submit a formal claim/complaint to the Company and send a statement or notice to the Company, via registered email to or by courier to the Head Office, Thasious House, 120 Okota Road, (Ago Palace Round-About) Okota, Lagos State.

2 Claims/complaints/statements/notices must not include; an emotional evaluation of the dispute, Attacking/Offensive statements addressed to the Company, Profanity.

  1. In settling disputes, the Investor’s references to information from other companies and websites are not considered.
  2. The Company reserves the right not to pay interest accrued on an invested capital if/when the use of social media or any other medium except the one stated above is employed to address or send a complaint/claim/notice/statement.
  3. Where an investor uses Security Agents (e.g. Police), to blackmail or harass the Company or a representative of the Company, including but not limited to staff, such investor would have forfeited any interest that might have accrued on his/her investment with the company.
  4. Investment Certificate must be attached (if applicable) to Claims/complaints/statements/notices and in other cases contain the following information: Surname, first name, middle name (if any), Investor’s e-mail, Investor’s Account Number, date and time of investment, date/time of the dispute, brief description of the dispute, Investor’s demands; claimed amount and justified calculation thereof (if the claim can be valued in money); circumstances that are the grounds for the claim and evidence supporting those circumstances, including investors investment form (if any), investor transaction receipt, investor account statement (where applicable), reference to the clause of this Agreement (annexes hereto) that were breached in the Investor’s opinion; a list of documents and other evidence attached to the claim (complaint) authenticated by the Investor and any other information necessary to settle the dispute;
  5. The Company may request additional documents and information from the Investor to respond to a claim/complaint/statement/notice if the need arises.
  6. A claim/complaint/statement/notice will be reviewed on the basis of data provided by the Investor and records from the Company’s database. Records from the Company’s database always prevail over other evidence and proof.
  7. If the terms of this section are violated The Company may reject a claim/complaint/statement/notice.
  8. Within not more than 30 working days after the submission date the Company must consider a claim/complaint/application/appeal. Time for provision of additional documents by the Investor upon the Company’s request not included.
  9. If by the above dispute settlement procedure the Investor’s claim/complaint/statement/notice has not been settled by the Company, the Investor and the Company may submit the claim/complaint/statement/notice to arbitration/ Negotiation.
  10. The Investor may file a claim to a court, provided that he/she has first submitted the claim to the Company in accordance with this dispute resolution procedure and all efforts at Arbitration/Negotiation has failed, proved abortive or the deadline for responding to the claim has expired. Claim response time – sixty (60) calendar days after it is received by the Company.
  11. The Company reserves the right to fully or partially block/suspend transactions in the Investor’s Account in the event of a dispute until the Parties come to an interim agreement or until the dispute is settled.
  12. Subject to the relevant service terms, all disputes arising as a result of your use of the site or on the interpretation of these terms or any matter which in terms of the conditions requires agreement by the parties, (other than where an interdict is sought or urgent relief may be obtained from a court of competent jurisdiction), will be submitted to and decided by the company in the manner set out above and further submitted to arbitration where the method employed by the company fails.
  13. Arbitration will be held with only the parties and their representatives at a location to be decided by both parties.
  14. The arbitration will be governed by the rules of the Arbitration Law as applicable in Nigeria and will be heard by an arbitrator or arbitrators appointed by both parties.
  15. Either party will be entitled to have the award made an order of court of competent jurisdiction. The parties will keep the evidence in the arbitration proceedings and any order made by any arbitrator confidential unless otherwise contemplated. The arbitrator will have the power to give default judgment if any party fails to make submissions on due date and/or fails to appear at the arbitration.



Our Financial Instruments of choice are in a high risk and high yield market, however if after the duration specified in the Terms of Service the Client is yet to receive in cash or otherwise the return on investment as stated in the Terms of Service by the Company, the Client can proceed as follow:

  1. Send an email to and you will get a response within 24 hours (During working hours only).
  2. Client’s Funds without any interest, commission or bonus will be refunded in full after 30 working days. Provided the duration specified in the Terms of Service is elapsed.


If you don’t earn after the duration specified in the Terms of Service, regardless of the reason except in the event of a force majeure, IT’S A MONEY BACK GUARANTEE.



The Parties shall not bear responsibility for improper execution of the terms of the Agreement, if the improper execution were  caused by extreme and unavoidable circumstances (force majeure), including, but not limited to: declared war, civil unrest, epidemic, earthquake, flood, fire, activities of administrative authorities, hacker attacks, breaking or blocking of electronic payment system accounts or bank account, breaking or blocking of web server or any module of web-server which makes it impossible for the Parties to execute their responsibilities as per the Agreement.

In case of emergency of the above circumstances, each of the Parties shall be obliged to instantly inform another party of such circumstances. At that, the failure to inform another party shall lead to the loss of right for the first Party to refer to force majeure circumstances as liberating from the responsibility, if the failure to inform were not a result of the force majeure circumstances.



This document describes the policy of the Company to combat money-laundering and its involvement in the detection and prevention of any activities related to money laundering, financing of terrorism and the possibility of using products or services of the Company for the purpose of money laundering (hereinafter “AML” Policy)

Legalization of funds obtained by illegal means is the act of converting money or other monetary instruments derived from illegal activities into money or investments that look legitimate, so that their illegal source could not be traced. Domestic and international laws that apply to Companies whose customers can Deposit and withdraw money from their accounts, make it illegal for the partners of the Company, a conscious exercise, or participate in financial transactions with criminally derived funds.

The Company reserves the right to refuse to process a transaction at any stage if the assumption that the transaction is in any way connected to money laundering or criminal activity. According to international legislation, the Company has the right to inform the Client that his suspicious activities to the appropriate authorities have been informed.

The Company claims that, to follow AML Policy, money transfers, allowed solely for the purpose of working to profit in the proposed services of the Company. In case if the Company will have sufficient reason to believe that remittances are used by the account holder in violation of the law and/ or AML Policy of the Company, for purposes other than services of the Company, the Company reserves the right to block account of the Client to carry out any transactions on the account and report to the appropriate government agency(ies).



HoneyPays Micro Credit Investment Limited (RC: 1453849) is a Non Banking Financial Institution (NBFI) registered:


  1. To carry on the business of investing funds of the shareholders, associates and partners of the company as well as the general public.


  1. To engage in the business of providing micro-credit facilities and to provide financial and technical assistance and support to individuals, small scale enterprises.


Duly incorporated under the COMPANY AND ALLIED MATTERS ACT 1990 (hereinafter referred to as ‘Fund Manager’), as the party of the first part, and the Investor___________________________________________________ (hereinafter referred to as the ‘Client’, acting voluntarily and in his/her own name, as the party of the second part, hereinafter referred to jointly as the ‘Parties’, and, separately – the ‘Party’ have concluded the Customer Agreement (hereinafter referred to as the ‘Agreement’) on the following:


  1. The Client shall transfer in trust the funds (hereinafter referred to as the ‘Funds’) belonging to the client as a property, to the Fund Manager for the duration specified in the Terms of Service, and the Fund Manager shall provide management of these funds in the Client’s best interests.


  1. As per the Agreement, the funds shall be meant for investing into marginal financial tools with changing rate of income. The Funds Manager shall provide to the Client the services for trust management of investments and other assets by trading the currency pairs at the Forex market, Crypto-Currencies, Commodities, as well as other securities and contracts of stock indices.


  1. As per the Agreement, the beneficiary shall be the Client. Transfer of funds into trust shall not lead to transfer of ownership right for them to the Fund Manager.
  2. In the course of execution of rights and responsibilities as per the Agreement, the Fund Manager shall act in good faith and in the way that is best for the interest of the Client. The Fund Manager shall have the exclusive right to determine which way of management of funds is the best from the point of view of the Client’s interests.
  3. The Fund Manager shall provide to the Client the following services for strategic distribution of funds (assets). The Client shall be able to use the Fund Manager’s services in formation of the investment portfolio according to the Terms of Service specified in the Fund Manager’s investment strategies, which are published and effective from the moment of commencement of the Agreement. The Fund manager shall be able to manage the Client’s funds independently and through the partner broker companies all around the world.
  4. The Fund Manager shall start the management of the Client’s funds on following Monday of a new week from the moment of conclusion of the Agreement.
  5. The Client shall understand and acknowledge that all strategies of the Fund Manager for management of investments put the Client at high risk and that this risk may lead to Client’s losing the profit. There shall be no guarantees that any strategy of fund management by the Fund Manager shall lead to the Clients profit.
  6. The Client shall agree to bear the lost profits from his own funds according to the Agreement.
  7. The Client shall permanently release the Fund Manager, his directors, employees, officials, independent agents and representatives from any claims and responsibility of any losses, damages, fees, court costs and expenses that may arise as a result of any actions, provided services, or recommendations accepted according to the Agreement.
  8. Effectiveness, interpretation and execution of the Agreement shall be subject to subordination and explanation according to the laws of the Federal Republic of Nigeria, which is the country of the Fund Manager’s registration and the country of the conclusion of the Agreement.
  9. The Agreement may be accepted as a web document as shall not require the procedures of signing by the Parties. Registration of the Client’s account via the Fund manager’s website by self or assigned person(s) shall mean the automatic acceptance of all clauses of this Agreement by the Client, as well as acceptance of all rules and terms published at the Fund Managers website which are all integral part of this Agreement.