Please carefully review these Terms of Use as they constitute both an electronic financial service and an end-user license agreement. By registering for or utilizing any part of the Sici Cash service ("Service"), you acknowledge that you have read, comprehended, accepted, and agreed to these Terms of Use. Your use of any part of the Service confirms your acceptance and commitment to adhere to these terms. If you do not agree to these Terms of Use, you may not access or use any aspect of the Service. These Terms of Use form a binding legal agreement between you, an individual user ("You" or "Your"), and Sici Cash service ("We," "Us," or "Our").

 

These Terms of Use and any subsequent amendments or variations are effective upon their publication.

 

 

2.1 Within these Terms of Use, the following terms hold the specified meanings:

Affiliate: an entity that controls, is controlled by, or is under common control with a party, where control involves ownership of more than 50 percent of voting capital or similar ownership rights, or the ability to direct management and policies.

Account: your personal account used to access the System and utilize the Service.

App/Application: electronic software provided by us or our affiliated companies to access the Service.

Governing Law: encompasses all applicable laws, regulations, and statutes during the term of these Terms of Use.

Business Day: any day excluding Saturdays, Sundays, or national/public holidays in Kenya.

Credentials: personal login details used to access the Application/Service and manage your Account.

Credit Reference Bureau: licensed entity in Kenya authorized to collect and share credit information.

Group Companies: legal entities and their Affiliates.

Loan: principal amount lent by us to you under these Terms of Use.

Local Terms: additional terms applying to specific regions as updated by us.

Mobile Device: includes mobile phones, tablets, and other devices enabling network access.

Mobile Money Account: electronic money record maintained by Mobile Money Providers in Kenya.

Mobile Money: money transfer and payment service in Kenya.

Mobile Network Operator: registered operator with the Ministry of Telecommunications in Kenya.

Mobile Money Provider: Mobile Network Operator authorized to offer Mobile Money Service.

Mobile Money Service: service provided by Mobile Money Providers via the Mobile Money System.

Mobile Money System: system operated by Mobile Money Providers for Mobile Money Service.

Policies: guidelines applicable to you as a user, as updated by us.

Personal Information: data identifying an individual, including but not limited to, personal details and financial information.

Request: instruction sent by you through the System.

Service: any service or financial product offered under these Terms of Use.

SIM card: subscriber identity module enabling access to Mobile Money Account.

SMS: short message service.

Specific Terms: additional terms for specific parts of the System/Service.

System: Sici Cash system including application, software, websites, platforms, and support services.

Territory: region where the Service and System are used.

Transaction Fees: fees applicable for using the Service, subject to change at our discretion.

Website: site operated by us or our Group Companies.

2.2 Within these Terms of Use:

"Writing" excludes email unless specified otherwise.

Phrases like "including," "includes," or similar terms are illustrative and not limiting.

These Terms of Use are drafted in English; in case of translation, the English text prevails. Inconsistencies are resolved in the following order: Local Terms (if any), Specific Terms (if any), and other parts of these Terms of Use.

 

 

You affirm to us that:

3.1 You have full authority to accept and be legally bound by these Terms of Use.

3.2 You will comply with all Applicable Laws and these Terms of Use, promptly notifying us of any breaches.

3.3 You will use the System and Service only for lawful purposes and as intended.

3.4 Provided documents, Personal Information, and Credentials are accurate, current, complete, and not misleading.

3.5 You will use authorized internet access points and Accounts.

3.6 You will refrain from fraudulent conduct.

3.7 You will not disrupt the System's operation.

 

 

4.1 Before downloading or streaming the App or registering an Account, carefully review and understand these Terms of Use.

4.2 By clicking "Accept" in our System after downloading the App, you agree to these Terms of Use.

4.3 Your use of the App and registration affirms your acceptance of these governing terms.

4.4 We may amend these terms, and your continued use implies acceptance of such changes.

4.5 Updates may require acceptance of new terms via the Website.

4.6 By using the App, you consent to our collection of technical information to enhance our products.

4.7 Credit information may be shared with Credit Reference Bureau as per your authorization.

4.8 We may contact you or your emergency contact for verification purposes.

4.9 You authorize us to use your bank card for direct debit in case of loan repayment failure.

 

 

5.1 The Service provided by us is intended for individuals aged 18 and above. We reserve the right to verify the authenticity and status of your Mobile Money Account with the relevant Mobile Money provider.

5.2 Notification of your Account acceptance will be displayed within the Application. You acknowledge and agree that our acceptance of your Account application does not establish any contractual relationship between you and the Mobile Money Providers beyond the terms and conditions applicable to your Mobile Money Account at any given time.

5.3 We retain the right to decline or rescind your Loan application at any stage, at our sole discretion, without providing reasons or notice.

5.4 We reserve the discretion (sole and absolute) to approve, reject, or modify the terms of any Loan based on our assessment of your credit profile. Loan terms and applicable interest rates will be presented within the Application.

 

 

Rights Granted and Reserved

6.1 Provided you comply with these Terms of Use, we and our licensors (if any) grant you a revocable, limited, non-exclusive, non-transferable, royalty-free license during the term of these Terms of Use and within the Territory, solely to access and utilize the System for personal use in acquiring the Services we offer.

6.2 All rights not expressly granted to you under these Terms of Use are reserved by us and our licensors (if any). Ownership of the System (in whole or in part) is not transferred to you by these Terms of Use.

Prohibited Conduct:

6.3 When using the System, you must not:

6.3.1 License, sublicense, sell, resell, transfer, assign, distribute, or otherwise commercially exploit the System to any third party.

6.3.2 Modify, create derivative works from, reverse engineer, or access the underlying software for any purpose.

6.3.3 Use the System to develop a competing product, build a product similar to the System, copy System ideas or features, or launch an automated program that excessively burdens the System.

6.3.4 Attempt unauthorized access to the System or associated networks.

6.3.5 Extract or reproduce System content or structure without authorization.

6.3.6 Post, distribute, or reproduce copyrighted material or trademarks without prior consent.

6.3.7 Use the System for illegal or fraudulent purposes.

6.3.8 Transmit spam or other unsolicited communications.

6.3.9 Store or transmit harmful computer code.

6.3.10 Disrupt System integrity or performance.

6.3.11 Impersonate others or misrepresent affiliations.

6.3.12 Falsify location information.

6.3.13 Provide false personal information.

6.3.14 Damage our reputation or that of our Group Companies.

6.3.15 Collect data from Services or our systems or intercept transmissions.

 

 

7.1 To access the System, you must register and maintain an Account.

7.2 You are responsible for all Account activities. Specifically:

7.2.1 Maintain only one Account.

7.2.2 Keep Account information confidential and secure.

7.2.3 Do not share Account access with others.

7.2.4 Promptly report any unauthorized Account use.

7.3 We reserve the right to block Account access or features:

7.3.1 For violations of these Terms of Use.

7.3.2 During investigations.

7.3.3 Due to outstanding obligations.

7.3.4 Upon termination of these Terms of Use.

7.3.5 At our discretion.

 

 

You consent to our use and processing of your Personal Information as outlined in our Privacy Policy, subject to updates by us.

 

 

9.1 By granting us irrevocable authorization, you empower us to act upon all Requests received from you (or purportedly from you) through the System, assuming full responsibility for their execution.

9.2 We retain the discretion to decline any loan application Request from you, even if you have previously received a loan from us.

9.3 We reserve the right to accept and process any Request, even if it is incomplete or ambiguous, provided that we believe, at our sole discretion, that we can rectify the incomplete or ambiguous information without needing your input.

9.4 We are deemed to have fulfilled all obligations owed to you appropriately, regardless of whether the Request was initiated, sent, or communicated in error or fraudulently. You are bound by any Request acted upon by us if we acted in good faith believing the instructions were from you.

9.5 At our absolute discretion, we may refuse to act on any part of your Request pending further investigation or confirmation (whether written or otherwise) from you.

9.6 You agree to indemnify and hold us harmless from all claims, losses, damages, costs, and expenses arising from our execution of any part of your Requests or our failure to exercise discretion conferred upon us.

9.7 You acknowledge that, as permitted by Applicable Law, we shall not be liable for any unauthorized transactions, transfers, disclosures, or activities on your account resulting from the knowledge, use, or manipulation of your account PIN, password, ID, or any other means, regardless of whether such actions were due to your negligence.

9.8 We have the authority to execute orders related to your Account as mandated by any court, competent authority, or agency under Applicable Law.

9.9 In case of any conflict between the terms of any Request received from you and these Terms of Use, these Terms of Use shall take precedence.

 

 

10.1 You are obligated, at your own expense, to provide and maintain your Mobile Device in a secure and efficient manner to access the System and the Service.

10.2 It is your responsibility to ensure your Mobile Device functions correctly. We are not liable for errors or failures caused by your Mobile Device malfunction, nor for any computer viruses or related issues arising from your use of the System, the Service, and the Mobile Device. You are responsible for charges from any network service provider facilitating your connection, and we are not liable for any losses or delays caused by such service providers.

10.3 Access to the Application is through your Mobile Device. You are accountable for verifying and ensuring the correct Application is downloaded to your Mobile Device. We bear no responsibility if your device is incompatible or lacks the latest version of the Application.

10.4 Should your Mobile Device be lost, stolen, broken, or no longer in your possession, leading to exposure of your Account information and Credentials to others or affecting our legal rights and remedies, you must promptly inform us and follow our prescribed procedures. We are not liable for any disclosure of your Account information and Credentials to third parties, and you agree to indemnify us against any resulting losses.

10.5 You are solely responsible for maintaining an adequate internet and mobile plan and for any fees charged by your Mobile Service Operator, including telephone, SMS, and internet data charges. You acknowledge that using the System may consume significant data, and you are solely responsible for such usage and associated costs.

10.6 You must adhere to all instructions, procedures, and terms outlined in these Terms of Use and any documents provided by us regarding your use of the System and the Service.

10.7 You must take reasonable precautions to detect unauthorized use of the System and the Service. Accordingly, you must promptly review and verify all communications sent by us upon receipt to detect any unauthorized access to the System. You must immediately notify us if:

10.7.1 You suspect your Credentials are compromised or known to unauthorized individuals; and/or

10.7.2 You suspect unauthorized use of the Service has occurred, is ongoing, or may occur, potentially involving fraudulent transactions.

10.7.3 You must consistently adhere to the security procedures periodically communicated by us or any other procedures applicable to the Service. You acknowledge that failure to follow recommended security procedures could breach the confidentiality of your Account. Specifically, you must ensure that unauthorized individuals do not use the Service, submit Requests, or perform relevant functions.

 

 

Interest and Transaction Fees

11.1 The interest you owe us for any loan will be shown in the Application. Meanwhile, we reserve the right to establish and charge transaction fees related to your use of the Service, and to adjust these fees as needed. If we decide to implement new transaction fees or modify existing ones, details will be displayed in the Application. We will make reasonable efforts to notify you of any changes to transaction fees well in advance, including posting notices on the Application.

11.2 All payments you make under these Terms of Use must be paid in full, without any deductions or counterclaims, and unless required by law otherwise, free from any withholding. If you must deduct or withhold any payment to us, you must promptly pay us additional amounts so that we receive the full amount we would have received without the deduction or withholding.

11.3 If you fail to make payments to us by the due date, we may impose late fees on the loan amount, at a rate displayed on the App in advance.

Taxes

11.4 All payments under these Terms of Use and the Loan are calculated exclusive of any taxes you owe. If taxes are due on a payment, you must pay us an additional amount equal to the payment multiplied by the applicable tax rate. This payment must be made concurrently with your payment or whenever we require, even after termination of the relationship.

11.5 You agree that we may withhold amounts from your Account if required by a taxing authority, pursuant to law or agreements with such authority, or to comply with internal policies or orders from taxing authorities.

Payments

11.6 You are required to pay the principal, interest, transaction fees, and taxes related to these Terms of Use and the Loan by the methods and due dates displayed in the Application.

11.7 All payments must be made in the local currency of the Territory.

 

 

12.1 A default occurs when you:

12.1.1 fail to make any payment or installment (including all accrued interest, transaction fees, and taxes) due under a loan granted pursuant to these Terms of Use for a cumulative period of fifteen (15) days, unless such failure is solely due to an administrative error or technical issue; or are declared bankrupt.

12.2 Following the occurrence of an ongoing default, we may, without prejudice to any other rights or remedies available to us under applicable law:

12.2.1 terminate these Terms of Use as per Clause 13 herein;

12.2.2 declare the Loan (including all accrued interest, transaction fees, taxes, and any other outstanding amounts under these Terms of Use) immediately due and payable;

12.2.3 report the default event to Credit Reference Agencies. Upon written request, you may obtain a copy of any adverse information concerning you and your credit information submitted to a Credit Reference Agency; and

12.2.4 impose late fees on you at the rate displayed on the Application for default in payment.

 

 

13.1 These Terms of Use shall remain in effect until terminated in accordance with their provisions.

13.2 We may terminate these Terms of Use and/or suspend or terminate your use of the System, the Service, and your Account, either in whole or in part:

13.2.1 at any time, for any reason, upon notice to you;

13.2.2 immediately, with or without notice, if you breach any term of these Terms of Use, without prejudicing our other rights and remedies;

13.2.3 if your account or agreement with a Mobile Network Operator or Mobile Money Provider is terminated for any reason;

13.2.4 when necessary due to technical issues or security reasons, to facilitate periodic updates or enhancements to the Service's content or functionality, or if your Account becomes inactive or dormant;

13.2.5 if compelled to comply with an order, directive, or recommendation from a governmental, judicial, regulatory, or other competent authority; or

13.2.6 for commercial reasons or any other reason determined at our sole discretion to suspend or terminate the provision of the Service.

13.3 Upon termination or expiration of these Terms of Use for any reason, you shall:

13.3.1 promptly (within three days at the latest) settle any principal, interest, transaction fees, or taxes owed to us (which shall become immediately due and payable upon termination); and

13.3.2 immediately uninstall and fully remove the Application from your Mobile Device.

13.4 Termination shall not affect any accrued rights and obligations of either party.

13.5 Upon termination of these Terms of Use, except as expressly provided otherwise or by their nature intended to survive, the provisions of Clauses 2, 3, 8, 11, 13, 14, 17, and 18 and any other clause surviving by express provision or necessary implication, will continue to survive.

 

 

Indemnities

14.1 You agree to defend, indemnify, and hold harmless us, our licensors, each party's respective Affiliates, and their directors, members, employees, and agents from any and all claims, costs, damages, losses, liabilities, and expenses (including attorneys' fees and costs) arising out of or related to:

14.1.1 Your breach of any provision of these Terms of Use or any Applicable Law; and

14.1.2 Your use of the System and/or the Service, including:

14.1.2.1 Claims by third parties arising from your use of the System and/or the Service;

14.1.2.2 Losses or damages arising from your use, misuse, abuse, or possession of any third-party software, including operating systems, browser software, or other software packages or programs;

14.1.2.3 Unauthorized access to your Account, breaches of security, or any unauthorized destruction or access to your data or any loss or theft or damage to your Mobile Device; and

14.1.2.4 Losses or damages resulting from your failure to comply with these Terms of Use and/or from providing incorrect information, or losses resulting from the failure or unavailability of third-party facilities or systems, or from the inability of a third party to process a transaction, or any loss incurred by us due to any breach of these Terms of Use.

Exclusion of Liability

14.2 We shall not be liable for any loss suffered by you in the event that the Service is interrupted or becomes unavailable due to failure of your Mobile Devices, or other circumstances beyond our control, including but not limited to acts of God or force majeure, errors, interruptions, delays, or unavailability of the System, terrorist actions, equipment failures, power outages, adverse weather conditions, or failure of any public or private telecommunications system.

14.3 You acknowledge that the Application has not been developed to meet your individual requirements and it is your responsibility to ensure that the features and functionalities of the Application as described meet your requirements.

14.4 The Application is provided for personal use only. You agree not to use the Application for any commercial, business, or resale purposes, and we shall not be liable to you for any loss of profit, loss of business, interruption of business, or loss of business opportunity.

14.5 We shall not be liable for any loss or damage suffered by you as a result of or in connection with:

14.5.1 Any defect or failure in the Application or any Service resulting from your modification or alteration of the Application;

14.5.2 Any defect or failure in the Application resulting from your use of the Application in violation of these Terms of Use;

14.5.3 Your breach of Clause 6 herein;

14.5.4 Insufficient funds in your Mobile Money Account;

14.5.5 Failures, malfunctions, interruptions, or unavailability of the System, your Mobile Device, the network, or a Mobile Money System; legal processes or other restrictions on payments or transfers from your Account; your failure to provide adequate or complete instructions for payments or transfers related to your Account;

14.5.6 Any fraudulent or illegal use of the Service, the System, and/or your Mobile Device; or

14.5.7 Your failure to comply with these Terms of Use or any document or information provided by us regarding your use of the System and the Service.

14.6 In no event shall we be liable to you for any anticipated loss of profit or savings, or for any indirect or consequential loss or damage of any kind, however caused, arising out of or in connection with the Service, even if we have been notified of the possibility of such loss or damage.

14.7 To the fullest extent permitted by Applicable Law and except as otherwise provided in these Terms of Use, our maximum aggregate liability arising out of and in connection with the Application, the System, the Service, and/or these Terms of Use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the Transaction Fees paid by you to us in connection with the first event giving rise to a claim under these Terms of Use.

14.8 Unless otherwise provided in these Terms of Use, any claim you may have against us related to the App, the System, the Service, or these Terms of Use must be notified to us within six (6) months after the events giving rise to such claim, otherwise (to the extent permitted by Applicable Law), you will waive any rights and remedies you may have in relation to such claim.

14.9 We disclaim any liability to you for:

14.9.1 Failures in communication facilities beyond our reasonable control that may affect the accuracy or timeliness of messages you send or material you access through the Application;

14.9.2 Loss or delay in the transmission of messages or material you access due to your use of any internet access service provider or mobile network service provider or caused by any browser or other software not under our control;

14.9.3 Viruses that may infect your Mobile Device or other property due to your access or use of the Application/Service or when accessing any material on the Application/Service;

14.9.4 Any unauthorized use or interception of messages or information before they reach the Application or our servers;

14.9.5 Any unauthorized use or access to data concerning you or your transactions held by us (unless such use or access is due to our negligence, fraud, or breach of data protection laws), to the extent permitted by Applicable Law;

14.9.6 Any content provided by third parties.

 

 

15.1 We may include links and pointers to other websites or mobile applications operated and maintained by third parties ("Third-Party Websites or Apps") in the Service or Application. These links are provided solely as pointers to information that may be useful to you. However, the inclusion of any link to Third-Party Sites or Apps does not imply our endorsement or recommendation of any products, services, information, merchandise, ideas, or opinions found on any Third-Party Site or App.

15.2 We make no warranties, express or implied, regarding the content of any Third-Party Sites or Apps, including their accuracy, completeness, reliability, or suitability for any particular purpose. We do not guarantee that any Third-Party Site or App is free from claims of copyright, trademark, or other infringement, nor that any Third-Party Site or App is free of viruses or other harmful elements.

15.3 You acknowledge that Third-Party Sites and Apps may have different privacy policies and security levels than ours. Your decision to access a Third-Party Site or App or to purchase or use any products or services advertised or provided on a Third-Party Site or App is at your sole discretion.

 

 

By utilizing our Services, you consent to receiving direct marketing communications from us. Should you prefer not to receive such communications, you may indicate your choice where specified in the relevant communication.

 

 

17.1 These Terms of Use (and any disputes arising from or related to them, including any alleged breach or challenge to their validity or enforceability) shall be governed by the laws of the Republic of Kenya, unless the law of your Territory requires otherwise, in which case the prevailing law of these Terms of Use shall be that of your Territory.

17.2 Such arbitration shall be conducted in the Republic of Kenya and in accordance with the laws of the Republic of Kenya.

17.3 To the extent permitted by law, the decision of the arbitrator shall be final and binding on the Parties.

17.4 This Section 17 shall not limit any Party's right to initiate legal proceedings of any kind to seek interim or conservatory relief from any court of competent jurisdiction pending the final decision or award of any arbitrator.

 

 

18.1 We shall not be liable for delays or failures in performance resulting from circumstances beyond our reasonable control.

18.2 You agree not to disclose confidential information about our business, affairs, customers, suppliers, or affiliates to any person at any time.

18.3 You acknowledge that we may, at our sole discretion and without notice to you, assign, transfer, or partially transfer the rights of the loan lender from time to time ("Transfer"). Such Transfer shall not affect your obligations under these Terms of Use, and you are required to make payments as instructed by us through the Application.

18.4 We reserve the right to amend these Terms of Use at our sole discretion. We will make reasonable efforts to notify you of any material changes; however, you are responsible for regularly reviewing the Terms of Use. Your continued use of the System and Service constitutes your acceptance of any changes.

18.5 Each party's rights under these Terms of Use are cumulative, may be exercised as often as necessary, and are not exclusive of rights or remedies provided by law. Any waiver of rights must be in writing and specific. Delay or failure to exercise any right shall not constitute a waiver of that right.

18.6 These Terms of Use constitute the entire agreement between the parties regarding their subject matter, superseding any prior agreements. The parties also waive any claims, rights, or remedies not expressly set forth in these Terms of Use or implied by Applicable Law, except for claims of fraud or other liabilities that cannot be excluded under Applicable Law.

18.7 You may not assign, sublicense, transfer, subcontract, or dispose of any rights or obligations under these Terms of Use without our prior written consent. We may assign, sublicense, transfer, subcontract, or dispose of our rights or obligations under these Terms of Use at any time without notice, except where prohibited by Applicable Law.

18.8 If any part of these Terms of Use is deemed illegal, invalid, or unenforceable by a court or competent authority, the remaining provisions shall remain in full force and effect. The invalid part shall be replaced with a legal, valid, and enforceable provision that, as far as possible, achieves the same effect as the invalid part.

18.9 Only parties to these Terms of Use have rights to enforce any of its terms.

18.10 We may notify you of changes by posting a general notice on the App or System or sending an email to the address provided in your Account. You must notify us via email at support@zazacashKenya.com.

18.11 All complaints and suggestions regarding the System and Service should be directed to support@zazacashKenya.com.

 

 

All staff members are required to demonstrate professionalism and ethical conduct when communicating with clients, regardless of the circumstances.

Loan Collectors/Recovery Agents/Customer Service Agents must refrain from insulting, abusing, disrespecting, defaming, or threatening customers or their contacts in any manner while recovering loans or addressing issues. Any employee who engages in such conduct acts independently and will face appropriate consequences.

 

 

Use of the Service

Upon requesting a loan through the Sici Cash platform, customers will receive a verifiable receipt number and a service guide outlining instructions for using our service and the terms and conditions of the subscriber agreement. These terms and conditions adhere to our licensing obligations and international best practices.

Clients receive a receipt which, along with other documents outlined in this Customer Code of Practice, constitutes proof of acceptance. Clients are advised to securely retain all relevant documents as they may be required to resolve future complaints.

We are a licensed financial technology company (FinTech) dedicated to assisting Kenyans in achieving their aspirations in a responsible manner.

 

 

Safeguarding client information is a top priority. We employ physical, procedural, and electronic measures to ensure the security of client information.

We commit to maintaining the confidentiality of information obtained in providing our service, refraining from disclosing it to third parties or using it for purposes other than those related to our service, unless such information is publicly available or disclosure is required by law or under our licenses.

We collect and store client personal information to enhance service delivery and ensure that only authorized personnel handle inquiries, concerns, and requests.

 

 

Following best practices, we ensure that all agents and customers receive complete, accurate, and up-to-date information in clear and understandable language.

We strive to promptly respond to all consumer requests for information about our services, providing such information free of charge. This includes:

(a) Current service terms, including fees, available on our website.

(b) Services subject to regulated pricing or tariffs, with details accessible on published fee pages at designated offices and our website.

(c) Service terms stated on our website and accessible through all customer access points.

(d) Notification to affected customers of any changes in service rates, granting them the opportunity to accept new terms or terminate existing plans in accordance with applicable terms and conditions.

 

 

Upon request, we will provide customers with a copy of the service contract or agreement, drafted in clear, simple language for easy understanding.

 

 

Prior to signing a service contract, we inform consumers about:

(a) Applicable fees or charges.

(b) Fee inclusions.

(c) Detailed breakdown and calculation methods of each fee component.

(d) Frequency or conditions leading to charges.

(e) Conditions under which rates or components may change, the circumstances of such changes, and how customers will be informed.

 

 

We do not engage in unsolicited telemarketing without:

(a) Disclosing our identity and the purpose of the communication at the outset.

(b) Providing comprehensive details of any product or service discussed during the communication.

(c) Informing recipients of their absolute right to cancel the service within seven (7) days by calling a specified customer service number, unless the product or service has already been provided and utilized.

We also conduct telemarketing in accordance with consumer "call" or "non-call" preferences recorded during or after service contract signing and comply with rules or guidelines set forth by competent authorities.

Additionally, we ensure that:

(a) No unsolicited service messages via SMS or voice calls are sent without customer consent.

(b) Customers have the option to decline receiving any unsolicited service messages via SMS or voice calls.

(c) All unsolicited service messages via SMS or voice calls are organized to allow customers to opt-out entirely or specify categories they wish to receive, as per their choice.

 

 

When initiating an unsolicited sale, our sales representative will ensure the recipient of the call receives adequate information about the licensee's identity or other unique identifier, as well as:

i. the primary purpose of the unsolicited sale;

ii. a sufficient description of the product or service;

iii. any conditions or restrictions applicable to the unsolicited sale.

For setting up voice calls, the number of rings should not exceed three (3), and no more than two (2) attempts per day should be made to customers.

 

 

We will clearly disclose any geographical or technical limitations on service availability in advertising materials that promote service accessibility to consumers, where such limitations:

a. materially impact service performance; and

b. are known to the Licensee.

In any advertising promoting service offerings, we will explicitly state limitations that restrict:

a. access to specific demographic groups;

b. availability within designated zones, regions, or geographical areas within the country;

c. validity for a specified period; or

d. access due to limited equipment, facilities, or other resources.

 

 

At all times, we will ensure that:

a. billing is accurate and timely;

b. charges are verifiable for accuracy;

c. consumers have access to sufficient invoice information, free of charge, for verification purposes;

d. upon request, consumers receive timely, accurate, and current information about billing terms, conditions, and available options;

e. records of invoices and associated charges are maintained for a minimum of twelve (12) months.

When interpreting obligations under this section, references to "billing" or "invoice" encompass the Licensee's registration and processing systems.

 

 

i. We will provide easily accessible information about our complaint resolution processes through various mediums, including hard copy and web-based formats, as required.

ii. This information will be presented clearly and comprehensibly, encompassing all relevant details about our complaint handling procedures.

iii. Our complaint handling policy will feature transparent, readily accessible grievance procedures that facilitate effective access to Alternative Dispute Resolution (ADR).

iv. Consumers will be clearly informed about how to file a complaint, either at our premises or using specified communication methods.

v. Information about our complaint-handling processes will include details:

(a) on consumers' rights to lodge complaints;

(b) on how to contact us to file a complaint;

(c) on required supporting information, including documents, for complaint resolution;

(d) All complaints will be logged and processed according to established practices and procedures.

 

 

We will ensure that our methods for accepting and processing complaints do not unduly deter consumers from lodging complaints. The complaints process will include:

a. An email address;

b. A web link on our website for consumer access.

 

 

i. Prior to entering into service contracts, customers will be informed about any contractual warranties associated with subscribed products.

ii. If warranties exist but are not provided with products, consumers will receive guidance on obtaining them.

iii. Detailed information about any maintenance services offered will be provided.

 

 

We will ensure that any exemptions stated in advertisements are clear and comprehensible, ensuring that:

(a) exemptions do not undermine the primary message or purpose of the advertisement;

(b) exemption content is clear and presented in plain language appropriate to the medium or format used;

(c) the intended audience or recipient of the advertisement is clearly specified.

 

 

Upon signing a service agreement or clearly accepting terms of service in any form, customers are bound by our terms of service.

Customers are deemed to accept our terms of service upon initiating service use after receiving clear communication of these terms from us.

Customers are required to provide detailed information about their emergency contacts, spouse, and relatives free of charge in the event of default on loan repayment or other financing products.

Customers agree not to initiate legal proceedings against us for actions taken by the company to recover unpaid loans.