Investment Disclaimer

1. No Financial Advice

The calculators, rate comparisons, projections, and all other content on CheckInvestNg are tools to help you understand how different Nigerian investment instruments work mathematically. They are not tailored to your individual financial situation, risk tolerance, investment horizon, or personal circumstances.

Before making any investment decision, you should seek professional advice from a financial adviser who is licensed and registered with the Securities and Exchange Commission (SEC) of Nigeria.

2. Rate and Data Accuracy

We source rate data from official publications of the Central Bank of Nigeria (CBN) and the Debt Management Office (DMO). However:

• !Rates displayed may be delayed or temporarily unavailable during system downtime.
• !Official rates can change between our update cycles — always verify with CBN/DMO directly before transacting.
• !Money Market Fund and Fixed Deposit rates shown are estimates based on publicly available provider information and are subject to change.
• !Indicative rates (marked "EST.") are industry approximations, not guaranteed returns.

3. Calculator Outputs Are Estimates

All calculator results are mathematical projections based on the inputs you provide and the rates displayed at the time of calculation. Actual investment returns may differ materially due to:

• —Changes in interest rates, monetary policy, or market conditions
• —Withholding tax deductions by financial institutions (our calculators show pre- and post-WHT estimates, but actual deductions depend on your institution)
• —Platform fees, management fees, and bid-offer spreads not always visible in advertised rates
• —Inflation eroding real purchasing power of returns
• —Credit risk for non-government instruments (fixed deposits, corporate funds)

4. Past Performance

Any historical rate data, charts, or trends shown on CheckInvestNg are for illustrative purposes only. Past performance is not a guarantee of future results. Investment values can go up or down. You may receive back less than you invest.

5. Dollar / Foreign Currency Investments

Dollar-denominated investment calculations involve foreign exchange risk. The USD/NGN exchange rate shown on this platform is indicative and sourced from the CBN official window. Actual rates at your bank, broker, or investment platform may differ. Naira depreciation or appreciation against the dollar can significantly affect NGN-equivalent returns.

6. Platform and Provider Risk

CheckInvestNg does not verify the financial health, regulatory compliance, or operational status of any investment platform, bank, fund manager, or provider mentioned on this site. References to platforms (e.g. Cowrywise, Stanbic IBTC, ARM, Meristem) are for illustrative rate comparison only and do not constitute endorsement. Always verify that a platform is licensed by SEC or the CBN before investing.

7. Limitation of Liability

CheckInvestNg and its operators accept no liability for any financial loss, investment decision, or other damages arising directly or indirectly from the use of this website or reliance on any information or calculation provided herein, to the fullest extent permitted by Nigerian law.

8. Regulatory Note

CheckInvestNg is an independent information platform. We are not registered with or regulated by the Securities and Exchange Commission (SEC) of Nigeria, the Central Bank of Nigeria (CBN), the National Insurance Commission (NAICOM), or any other Nigerian financial regulatory authority as a financial services provider.