Terms and conditions of use

• You must be at least 18 years old to use our services and products. By applying, you confirm that you meet the legal age requirement.

• You agree to provide accurate, complete, and up-to-date personal and financial information. Providing false or misleading information may result in rejection, cancellation, or legal action.

• By using our services, you agree to all loan terms, repayment schedules, interest rates, and applicable fees. These will be clearly disclosed before loan acceptance.

• You agree to repay all borrowed amounts within the agreed timeframe. Late payments may incur additional charges, penalties, or increased interest.

• All loans are subject to approval based on our internal risk assessment. We reserve the right to decline any application without obligation to provide reasons.

• Interest rates, fees, and charges will be communicated before you accept any loan offer. By accepting the loan, you agree to all associated costs.

• You consent to your information being shared with credit bureaus, debt collectors, and recovery agents where necessary. This may occur in cases of default or non-payment.

• Failure to repay your loan may negatively affect your credit profile and financial standing. Legal or recovery action may be taken to recover outstanding balances.

• We reserve the right to suspend or terminate your access to our services if you breach these terms. This includes fraudulent activity or misuse of our platform.

• You agree to use our services in compliance with all applicable laws and regulations in Botswana. Any illegal use of our services is strictly prohibited.

• You are responsible for maintaining the confidentiality of your account details and access credentials. Any activity conducted under your account is your responsibility.

• Our services may rely on third-party platforms or integrations. We are not responsible for disruptions or failures caused by external service providers.

• We do not guarantee uninterrupted or error-free access to our services. Temporary downtime may occur due to maintenance, updates, or technical issues.

• We take reasonable steps to protect your information, but you acknowledge that no system is completely secure. Use of our services is at your own risk.

• We may modify, suspend, or discontinue any part of our services at any time. Continued use of our services indicates acceptance of any changes.

• We may update these Terms and Conditions from time to time. Updated versions will be communicated, and continued use constitutes acceptance.