1. Acceptance of Terms

By accessing and using our lending services, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you must not use our services.

2. Lending Services

Our platform provides short-term lending services to qualified customers. By using our services, you agree to:

• Provide accurate and complete information during registration and loan applications
• Maintain the confidentiality of your account credentials
• Use the loan proceeds only for lawful purposes
• Repay all borrowed amounts according to the agreed schedule

3. Eligibility

To be eligible for our lending services, you must:

• Be at least 18 years of age
• Have a valid government-issued ID
• Have a registered mobile money account
• Meet our credit assessment criteria

4. Loan Terms

All loans are subject to the following terms:

• Interest rates are calculated based on your credit profile and loan type
• Repayment schedules are agreed upon before loan disbursement
• Late payments may result in penalties and affect your credit limit
• We reserve the right to modify or suspend your credit limit based on repayment history

5. Repayment

You are responsible for ensuring timely repayment of all borrowed amounts plus applicable interest. Failure to repay may result in account suspension, additional fees, and reporting to credit bureaus.

6. Account Suspension and Termination

We reserve the right to suspend or terminate your account if:

• You violate these Terms and Conditions
• You provide false or misleading information
• You fail to make timely repayments
• We suspect fraudulent activity on your account

7. Privacy and Data Protection

We are committed to protecting your personal information. Please review our Privacy Policy to understand how we collect, use, and safeguard your data.

8. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Continued use of our services after modifications constitutes acceptance of the updated terms.

9. Limitation of Liability

Our services are provided "as is" without warranties of any kind. We shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services.

10. Contact Information

If you have any questions about these Terms and Conditions, please contact our support team.