Terms and Conditions
Last updated: March 2025
1. Definitions
In these Terms and Conditions, "Credit Service", "we", "us" or "our" refers to the operator of this platform. "You" or "your" refers to the user of the mobile banking and credit application services. "Service" means the online credit platform, including account access, loan applications, and related features.
2. Eligibility
You must be of legal age in your country of residence and meet the eligibility criteria set out in our product terms to use the Service. By creating an account or submitting an application, you confirm that you meet these requirements and that the information you provide is accurate and complete.
3. Use of the Service
You agree to use the Service only for lawful purposes and in accordance with these Terms. You are responsible for keeping your login credentials secure and for all activity under your account. You must notify us immediately of any unauthorised access or breach of security.
4. Applications and Credit
Submission of an application does not guarantee approval. We reserve the right to approve, decline or request additional information at our discretion. Approved loans are subject to the specific terms (amount, rate, term, fees) communicated to you at the time of offer. Disbursement is subject to verification and our internal procedures.
5. Data and Privacy
We collect and process personal data in accordance with our Privacy Policy and applicable law. By using the Service, you consent to such processing. We may use your data to assess applications, manage your account, prevent fraud and comply with legal obligations.
6. Changes to the Service and Terms
We may update the Service and these Terms from time to time. Material changes will be communicated via the platform or by other reasonable means. Continued use of the Service after the effective date of changes constitutes acceptance of the updated Terms. Existing agreements remain governed by the terms in effect at the time of the agreement.
7. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special or consequential damages arising from your use of the Service or any failure or delay in providing the Service. Our total liability shall not exceed the amount of fees paid by you in the twelve months preceding the claim, where applicable.
8. Contact
For questions about these Terms and Conditions or the Service, please use the support channels indicated on our website or in your client area.