These Terms of Service(“Terms”) govern your access to and use of the App website and the services provided by the website (“we,” “us,” or”our”). By using the website or accessing our services, you agree tocomply with these Terms. If you do not agree to these Terms, please do not use our services.

 

1. Acceptance of Terms

By using the website, you agree to abide by these Terms, as well as our Privacy Policy, which is incorporated into these Terms by reference. We reserve theright to amend or modify these Terms at any time, and such changes will be effective upon posting on the website.

 

Continued use of the website after any changes constitutes your acceptance of the revised Terms.

 

2. Eligibility

 

You must be at least 18 yearsold and a resident of Nigeria to use the website. By registering for an account or using the services, you confirm that you meet these eligibility requirements. You also represent that you have the legal capacity to enter into a binding contract and that you are not prohibited by any applicable law from using our services.

 

3. AccountRegistration

To access our services, you must create an account with website by providing accurate and up-to-date personal information, such as your full name, phone number, email address, and any other information required during the registration process. You are responsible for maintaining the confidentiality of your account details and for any activities that occur under your account. If you suspect unauthorized use of your account, you must notify us immediately for help.

 

AccountSuspension/Termination: We reserve the right to suspend or terminate your account if we have reason to believe you have violated these Terms or provided false information.

 

4. Service Description

Wezami provides financial services through its website, which allows users to access personal loans, manage repayment schedules, and track their loan status. Our services are designed to be user-friendly and compliant with Nigerian financial regulations. All services provided are subject to these Terms and any additional agreements or policies communicated to you at the time of service use.

 

5. User Responsibilities

By using the website, you agree to:

 

·  ProvideAccurate Information: All information you provide during the account registration process or during the use of our services must be accurate and truthful. You agree to update your information promptly in case of any changes.

 

·  Use the website Lawfully: You must use the website in compliance with all applicable local, state, national, and international laws. Any illegal activities, including but not limited to fraud, money laundering, or use of stolen identities, are strictly prohibited and may result in legal action and termination of your account.

 

·  Maintain Confidentiality: You are responsible for safeguarding your account login credentials and preventing unauthorized access to your account.

 

·  Comply with Loan Repayment Terms: If you enter into a loan agreement with website, you are obligated to repay your loan according to the repayment schedule provided. Non-repayment may result in penalties and impact your credit history.

 

6. Prohibited Conduct

In using the website, you agree that you will not:

 

·  Use the website for any unlawful purpose, including fraudulent transactions.

 

·  Attempt to gain unauthorized access to our systems or interfere with the normal functioning of the website.

 

·  Reverse-engineer, decompile, or attempt to extract the source code of the website.

 

·  Use any automated system, such as bots or scripts, to access our services in a manner that overwhelms our system or infrastructure.

 

·  Impersonate any person or entity or falsely claim an affiliation with any other individual or entity.

 

Violating any of these rules may result in the suspension or termination of your account, and you may be subject to legal consequences.

 

7. Privacy and Data Security

Your privacy is of utmost importance to us. We collect, store, and process your personal information in accordance with our Privacy Policy, which is available on the website. By using website, you consent to the collection and use of your personal data as outlined in the Privacy Policy. We use industry-standard security measures to protect your data, but we cannot guarantee absolute security, and you use the website at your own risk.

 

For questions or concerns about how we handle your data, please contact us for help.

 

8. Electronic Communications

By using the website, you consent to receive electronic communications from us, including but not limited to loan offers, account statements, and updates to our services. We may communicate with you via email, SMS, push notifications, or through the website itself.

 

If you wish to opt-outof receiving certain communications, you can adjust your preferences in the website or contact our support team for help.

 

9. Modification of Services

We reserve the right to modify, suspend, or discontinue any part of our services or the website at any time without notice. While we will make reasonable efforts to notify you of any significant changes, we are not liable for any disruptions or inconveniences caused by service modifications.

 

10. Third-PartyServices

The website may include links to third-party services or content. We are not responsible for the availability, accuracy, or practices of third-party services. Your use of any third-party services is subject to their respective terms and conditions, and we encourage you to review those terms before engaging with third-party providers.

 

11. Dispute Resolution

In the event of any disputes arising from your use of the website or services, you agree to first attempt to resolve the dispute informally by contacting our support team. If a resolution cannot be reached informally, the dispute will be submitted to binding arbitration in accordance with Nigerian law.

 

12. Limitation of Liability

To the maximum extent permitted by law, Wezami Finance and Loan Services Limited, its directors, officers, employees, and affiliates are not liable for any direct, indirect, incidental, special, or consequential damages arising from your use of the website or any of our services, including but not limited to loss of data, financial loss, or inability to access the website.

 

13. Indemnification

You agree to indemnify and hold Wezami Finance and Loan Services Limited and its affiliates, employees, and agents harmless from any claims,damages, losses, liabilities, and expenses (including legal fees) arising out of your violation of these Terms, any law, or the rights of any third party.

 

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Federal Republic of Nigeria, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms will be subject to the exclusive jurisdiction of the courts located in Nigeria.

 

15. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect.

 

16. EntireAgreement

These Terms constitute the entire agreement between you and Wezami Finance and Loan Services Limited regarding your use of the website and supersede any prior agreements or understandings, whether written or oral.