Terms of Service

1. Acceptance of Terms

By accessing and using our services, you agree to comply with these Terms of Service and all applicable laws and regulations. If you do not agree, please do not use the service.

2. Eligibility

To apply for a loan through our platform, you must meet the following requirements:

• You must be employed (we only offer payday loans).
• You must be 18 years of age or older.
• You must possess a valid National ID or Passport.
• You must provide proof of income (e.g., payslip, business records).
• You must have an active Bank or Mobile Money account.
• You must provide valid contact details (phone number and email).
• You must have a Guarantor or Witness.

3. How It Works

Our loan process is quick and simple:

1. Apply Online: Fill out a short application form with your details and loan amount.
2. Get Approved: Our team reviews your application and responds within a few hours.
3. Receive Funds: Upon approval, your funds will be disbursed directly into your account.

4. Loan Terms and Repayment

Loan terms, including interest rates and repayment periods, will be clearly stated in your approval documentation. Failure to repay loans on time may result in penalties and affect your future borrowing ability.

5. User Responsibilities

• Ensure that all information provided during the application is accurate and truthful.
• Use the platform for lawful and intended purposes only.
• Maintain confidentiality of your login credentials if applicable.

6. Privacy

Your data is collected and used in accordance with our Privacy Policy. By using our service, you consent to such use.

7. Changes to Terms

We reserve the right to update or modify these Terms at any time. We will notify users via email or platform announcements where applicable.