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Ikeja, Lagos, Nigeria (+234) 802 7152 761, (+234) 906 9387 045
Terms & Conditions


Please read these Terms and Conditions (“Terms of use”, “Terms and Conditions”) carefully before using the website operated by Holistic Solutions Online Ltd T/A Money Matters, hereinafter referred to “us”, “we”, “our” or “Money Matters”.


Your access to and use of the Service is conditioned on your acceptance of and compliance with these Terms; moreover, your use of our site constitutes implied acceptance of these terms. These Terms apply to all visitors, users and others who access or use the Service.


By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Service.



General Disclaimer

Your use of this site is at your own risk. The content is provided ‘as is’ and without warranties of any kind, either expressed or implied. Money Matters disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. Money Matters does not warrant that the functions or content contained in this site will be uninterrupted or error free, that defects will be corrected, or that this site or the server that makes it available is free of viruses or other harmful components. Money Matters does not warrant or make any representation regarding use, or the result of use, of the contents in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and Money Matters may make changes or improvements at any time. You, and not Money Matters, assume the cost of all servicing, repair or correction in the event of any loss or damage arising from the use of this site or its content. Money Matters make no warranties that your use of the content will not infringe the rights of others and assumes no liability or responsibility for errors or omission in such content.


Breadth of Service

The Money Matters site is a platform through which customers can access multiple services courtesy of our vendors in the following sectors: Insurance, Personal finance (mortgages, loans and vehicle financing), Travel & Tourism (flights, package holidays and similar services), Wedding services, Event listings, Properties (for rent & sale, residentially and commercially, Hotels & Serviced Apartments (temporary accommodation), Special offers (a diverse range of everyday and more significant services/products available at a discounted rate). By virtue of purchasing a service or product through us, a legally-binding contract comes into existence with the vendor on this platform, and our role is that of an intermediary. Where payment takes place after you’ve received your service, our role is restricted to the communication of info between yourselves and the vendor. In the event of advance payments for a service, our responsibility is to arrange payments with such vendors. Content/info for services is provided by our vendors for which they’re ultimately responsible for its accuracy, which includes but is not limited to dates, rates, and availability. Although we endeavour to provide accuracy of content, we cannot make guarantees of accuracy at all times, thus cannot be held responsible to this effect; moreover, where any upgrades/maintenance, repair work and general work to this effect takes place, we will not be held liable. Although customers will be afforded the opportunity to provide ratings and service feedback, these aren’t reflective of the personal views/sentiments of Money Matters, thus cannot be considered an indicator of our recommendations of quality or service level provided by our vendors.


The services listed on this platform, unless stated otherwise, are exclusive of additional or extra services availed by the vendors. Consequently, issues pertaining to delays, cancellations etc. will ultimately be the responsibility of the vendor.


General Limitation of Liability

Money Matters, its subsidiaries, affiliates, licensors, service providers, content providers, employees, officers and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages, even if Money Matters has been advised of the possibility of such damages. In no event will the collective liability of Money Matters and its subsidiaries, affiliates, licensors, service providers, content providers, employees, officers and directors to any party (regardless of the form of action, whether in contract, tort or otherwise) exceed the greater of N1, 000 or the amount you have paid to Money Matters for the applicable content or service out of which liability arose.


Ownership of web content and IP (Intellectual Property) Rights

All content, information etc. unless stated otherwise, is the property of Holistic Solutions Online Limited T/A Money Matters, and our vendors/partners.


Intellectual property pertains to the use of, but not restricted to, the appearance of the site (layout etc.), advice, FAQs (frequently asked questions) customer feedback/reviews/ratings and news/media/blog content. Consequently, you are prohibited from plagiarism, expropriating content, or any other action that constitutes copyright infringements, unless express permission is sought and expressly granted. Where express permission is granted, work produced thereof will fall under the IP ownership of, unless stated otherwise.


Perusal of our web content, including advice, info on the website you deem useful, and enquiries thereof, are made available free of charge.


Pricing Policy

By virtue of the nature of our platform, it is foreseeable that every effort will be exhausted to ensure listed prices will be as competitive as feasibly possible. Sums payable for service are inclusive of any associated levies such as State/federal government taxes and VAT (if and where applicable). Hereafter additional charges for optional services i.e. room service, health/leisure facilities etc. will be yours/the customer’s responsibility.   


As stated above, Money Matters work tirelessly to ensure you receive the best deal. Where discount codes, announcements or indicators of reduced services (emails, labels etc.) appear, this should not be considered to constitute 100% accuracy, 100% of the time, nor should it be interpreted as a guarantee of matching the most competitively priced good/service advertised elsewhere.


Where the option of payment for services in multiple currencies is made available, although every effort is made to provide accuracy, this expressly does not give rise to real time official exchange rates or 100% unequivocal accuracy. The provision of such rates and/or accuracy is ultimately the responsibility of the vendor.


Where the option for payment in multiple currencies is made available, the payment total will be made clear prior to the submission of such payment.

Purchases content & Protection against fraud

If you wish to purchase any product or service made available through the Service (“Purchase”), you may be asked to supply certain information relevant to your purchase including, without limitation, your personal details, account details, etc.


The vast majority of our vendors require payment in advance of service. Payment can be made via the following channels: debit and credit transactions through our global pay web system or one of our POS (point of sale) machines, bank transfer or bank deposit.


We accept the majority of debit and credit cards such as Visa, MasterCard etc. Nevertheless, the issue of whether your card can be used for transactions on our platform will depend on the location from which the transaction is initiated, as well as the country the card was issued in.


We treat the issue of fraud with the utmost seriousness, in particular fraud perpetuated by credit and debit cards. Consequently you may be contacted with the contact details provided during the booking process and required to provide proof of your country ID, a photocopy (in colour) of the card used for the transactions. It is worth noting that many credit card (and to a certain extent debit card providers) providers will ultimately guarantee transactions less certain deductions (on some occasions). Where you suspect you may have been a victim of fraud, do not hesitate to contact us as directed on the site and we’ll endeavour to mitigate or protect you where possible from losses.


Where attempts to contact you prove abortive, this may result in your booking(s) being cancelled or payment requested directly from the vendor ultimately providing the service.


It is worth noting that the above measures/controls are in place to maximise your protection against fraud and as a result, lead to a smooth, stress-free customer experience. As such your cooperation will be expected and required.


Cancellation Policy

You are advised to fully familiarise yourself with our cancellation policy during the booking process. By making a booking with any of our vendors, this constitutes acceptance of our cancellation/no-show policy.


Your circumstances, of course, may result in a change or modification to a booking made on our platform. In the event of this taking place, the vendor’s cancellation policy will prevail. As a result the non-issuance of a refund/partial refund, the issuance of a refund partial refund, refusal to other an alternative service/arrangement or indeed an offer of alternative service/arrangement (at times referred to as a “credit”) will take place at the discretion of our vendors. Furthermore, we reserve the right at our discretion to transfer your booking or cancel it entirely without refund or recourse in the event that you do not successfully pass our security/verification process.


Where a cancellation or modification needs to be made, we advise that you make contact via our available channels (telephone, email, contact enquiry form etc.) with our Operations & customer service team at the earliest possible convenience, and we’ll endeavour but not guarantee to provide as satisfactory a resolution as possible.


Rating, opinions and customer satisfaction

Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content”) where it may pertain to news/media, blog or customer satisfaction content. The latter in particular is of great importance to us, and in addition to the designated channels (website and apps) whereby you may submit such info; you may also receive calls, texts and/or emails asking for your feedback.


By submitting the above, this constitutes express acceptance that this content now falls under our ownership.We reserve at our discretion the right to modify, remove or decline the above content. Unless expressly stated otherwise, your opinions and ratings do not give rise to prizes or incentives/offers and are submitted voluntarily.


You are responsible for the accuracy and liability for provision of doubtful content which is erroneously published.


Data management, Privacy and cookies

It is advisable that you familiarise yourself with our privacy policy as, when and if it is applicable.


Your privacy/customer data is of the utmost importance to us. Consequently, it is accumulated and stored securely in compliance with the laws of the Federal Republic of Nigeria as it pertains to the management of data. Any such disputes will be resolved through the available channels within the aforementioned jurisdiction.


As a means of improving the customer journey/process, there may be translations made in other languages. Where such occurs, no rights or recourse will result from the translations and/or any jurisdiction(s) where this language is the official language. Any consternation or disputes that result from such translations will give rise to the English language version taking precedence.


In the event of the invalidation of these terms and/or such terms becoming non-binding, unless stated otherwise, the remainder of our terms of use will remain fully valid in accordance with the jurisdiction to which it applies.


Discounts, special offers and their corresponding codes

From time-to-time, we and our vendors reserve the right to make services on our platform available at a reduced or discounted rate. Where this occurs, the level or discount or reduction will be made expressly clear on our platform.


To benefit from a discounted service, this will both be expressly advertised and automatically calculated at the checkout/booking completion stage or a discount/special offer code will be publicised through our site and other mediums. Where the latter takes place, the code should be typed in the designated box at the checkout/booking completion stage.


The customer will be held responsible for any failure to compute the discount code where prompted and will not be permitted to access a partial refund as a result.


We reserve the right at our discretion to withdraw or modify any discounts/special offers.


Our discounts/special offers apply to services in all municipalities/cities/countries that are listed on our site, unless expressly stated otherwise.


Links to Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by Money Matters.


Money Matters has no control over and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that Money Matters shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.



We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide reasonable notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.