Legal Notice

Use of this website is subject to the legal notices set out below which should be read carefully.

Using this website, you are deemed to have read, understood, and accepted this notice. This website and the information contained within it are made available by PennyTree.

This legal notice may be modified from time to time, so please continue to review this whenever accessing or using this application. If at any time you do not accept these conditions in full, then you must leave this application immediately.

This application and the information and material contained in it are not directed at or intended for distribution to or use by, any person or entity who is a citizen or resident of or located in any jurisdiction where such distribution, publication, availability, or use would be contrary to applicable law or regulation or which would subject PennyTree and/or its subsidiaries or affiliates to any registration or licensing requirement within such jurisdiction. Every person or entity accessing this application and information contained in it has the responsibility for ensuring no law is infringed in the jurisdiction in which the person is situated by accessing this application.

Privacy Statement

This statement sets out PennyTree’s policy in relation to the holding and use of information that may be obtained when you use this application.


This application incorporates the use of cookies. Cookies are small data text files that are sent from a server computer during a browsing session and will contain some anonymous information such as a unique identifier, the website name, and some digits and numbers. Cookies are typically stored on your computer’s hard drive and are used by websites to simulate a continuous connection to that website/application. Cookies are used to track and manage information relative to your specific interests and in this way, our application may be tailored to your needs, delivering a better and more personalised service. The use of cookies automatically identifies your browser to our computers whenever you interact with our website/application. Your browser options allow you to disable cookies. You should note that if you disable cookies, you may not be able to access all the services on this website.

PennyTree does not disclose any personal information obtained about its clients, except as required or permitted by law. PennyTree is committed to preserving the confidentiality and security of its clients’ personal information.

If you have a concern about the way in which we have handled a particular privacy matter, please send an email to

When you choose to submit your next of kin details to us, you are voluntarily giving us information, that may include personal data. We will use the information you provide to provide a service, only in the context in which you have contacted us, but will have no legal liability for any personal data in the information shared, including for whether such personal data was duly obtained by the person sharing it with PennyTree

We keep our privacy policy under regular review, and we may place any updates on this webpage.

This Privacy Statement was last updated in November 2021.


All information contained on this application is for information purposes only. Accordingly, to the maximum extent permitted by law, PennyTree provides you with this application on the basis that all representations, warranties, conditions, and other terms are excluded and which, but for this legal notice, might have effect in relation to this application.

Material presented on this application, unless specifically indicated otherwise, is under copyright to PennyTree. None of the material, nor its content, nor any copy of it, may be altered in any way, transmitted to, copied, or distributed to any other party, without the prior express written permission of PennyTree.

Furthermore, PennyTree does not make any representations or warranties as to the security of any information you may be requested to give to any third party.

Governing Law

This legal notice shall be governed by and construed in accordance with the laws of Lagos State in Nigeria.