INTRODUCT
Please read these Terms of Use carefully before using any of our other services or platforms. Continued use of our services will properly be deemed acceptance of all terms and conditions stated herein and agreement to be bound by them. Customers under the age of 18 should read these terms and conditions with a parent or guardian.
If you disagree with any part of this Agreement, please do not access or continue to use the Services or Platform.
Our services, channels, platforms and clients are subject to any applicable regulatory guidelines or rules. All such guidelines or rules are hereby incorporated by reference into the Terms of Use.
Definition and Interpretation
"We", "us" and/or "our" refers to the KashKash platform or related services provided, and "you" refers to the customer and any user of the KashKash platform or services.
2.1 In these terms of use, the following terms have the following meanings:
Account refers to your personal account when you access the system and use the service;
Application/APP means the electronic application provided by us and/or our group companies for you to access the Services;
Applicable Law means all applicable laws, by-laws, statutes, regulations, regulatory policies, regulations, agreements, industry codes, road traffic regulations, regulatory permits, regulatory permits or any court, tribunal or governmental, statutory, regulatory, judicial, Administrative or supervisory bodies or agencies in effect from time to time during the term of the Terms of Use;
Business Day means a day other than Saturday, Sunday or a national or public holiday in the Federal Republic of Nigeria;
Credentials means the personal credentials you use to access the App/Service and operate your account;
Credit Bureau means a credit bureau duly authorized by the Central Bank of Nigeria to, inter alia, collect and facilitate the sharing of customer credit information;
Group Company means a person and its affiliates (Group Company will be construed accordingly);
Loan means the principal amount of a loan or (as the context requires) the temporarily outstanding principal amount of such a loan provided or to be provided to you through the Application by us from time to time in accordance with these Terms of Use;
Local Terms means supplemental or alternative terms applicable to your particular country, city, municipality, metropolitan area or region, as provided and updated by us from time to time;
Mobile Device includes and means your mobile phone, SIM card and/or other devices including laptops, desktops, tablets and other mobile and stationary devices/devices which, when used together, enable you to access the Web and use the Application;
Mobile Money Account means your Store of Value in Mobile Money and is a record of the amount of Electronic Money held by a Nigerian Mobile Money Provider from time to time in the Mobile Money Provider's system;
Mobile Money means remittance and payment services operated by mobile money providers in Nigeria;
Mobile Network Operator means a Nigerian Mobile Network Operator registered with the Nigerian Communications Commission (NCC);
Mobile Money Provider means a Mobile Network Operator duly authorized by the Central Bank of Nigeria to provide Mobile Money Services in Nigeria under Applicable Law;
Mobile money services means remittance and payment services provided by mobile money providers through the mobile money system;
Mobile Money System means the system operated by a mobile money provider in Nigeria for the provision of mobile money services;
Policies means any policies, guidelines or instructions that apply to you as a User, as notified to you by us from time to time and as updated by us from time to time;
Personal Information means data, whether real or not, about an individual who can be identified from that data, or from data and other information to which we have or may have access. This may include personal name, BVN, date of birth, gender, education, religion, photo, physical address, email address, employment information, marital status, emergency contacts, phone number, SIM card details, financial and credit information (including mobile money account details, bank account details and bank verification code, if applicable), Account ID and/or password which will be used to access the App once registered and other information which when used in conjunction with other information can enable Individuals to be identified.
Request means a request or instruction that we receive or purport to receive from you through the System, on the basis of which we are authorized to act;
Services means any form of financial service or product that we provide to you in accordance with these Terms of Use, which you may subscribe to from time to time, and "Service" shall be construed accordingly;
SIM card means Subscriber Identity Module which, when used with an appropriate mobile phone, allows you to access the network and use your mobile money account;
SMS means a Short Message Service consisting of text messages transmitted from your mobile device to another;
Your responsibilities:
You hereby acknowledge and undertake to us that:
1.You have full power and authorization to enter into these Terms of Use and be legally bound by them, and perform your obligations under these Terms of Use;
2.You shall at all times comply with all applicable laws and these Terms of Use, and you will notify us if you breach any Applicable Law or these Terms of Use;
3.You may only use the system and services for lawful purposes and only for their intended use;
4.You shall ensure that any documents, personal information and credentials provided by you (or on your behalf) to us or otherwise through the System are always accurate, current, complete and not misleading;
5.You can only use the Internet access point and account that you are authorized to use;
6.You shall not engage in any fraudulent, deceptive or misleading conduct;
7.You must not impair or circumvent the proper functioning of the network on which the System operates.
Warranty and Promise
1. You warrant that all information provided to idai is accurate, correct and true.
2. You acknowledge and agree that KashKash reserves the right to delete any/all information on the App that violates these terms and conditions.
3. You hereby authorize KashKash to verify your credit history with any other financial company/bank/registered credit reference agency in connection with the services under these T&Us.
4. You warrant that you will not create multiple or false accounts; create accounts in a fraudulent manner; use the App for any illegal or immoral purpose.
5. You understand that idai does not provide any guarantee for its services and is not responsible for any claims made by you or any third party.
Acceptance of these Terms of Use
1. Before downloading or streaming the App or registering an account with us, you must carefully read and understand all the terms set forth in these Terms of Use, as amended by us from time to time, which shall govern the use and operation of the App and the Account.
2 .After downloading the application, you will be deemed to accept these terms of use if you click the "accept" option in our system to ask you to confirm that you have read, understood and agree to abide by these terms of use.
3.By downloading the App and registering for an account, you agree to abide by and be bound by these Terms of Use governing the operation of your account, and you acknowledge that the terms hereof do not affect any other rights we may have in your account, whether legal or otherwise.
4 .We may modify or change these Terms from time to time and by continuing to use the Services you agree to be bound by any such modified or changed terms. We will take all reasonable steps to notify you of any changes.
5. From time to time, updates to the Application may be released through the Website. Depending on the update, you may not be able to use the service until you download or stream the latest version of the application and accept any new terms and conditions of these terms of use.
6.By using the application or any service, you agree that we collect and use technical information about mobile devices and related software, hardware and peripherals based on Internet or wireless services to improve our products and provide any services to you. If you use these services, you consent to us and our affiliates and licensees transferring, collecting, retaining, maintaining, processing and using your data to determine our credit scoring services or to improve our services and/or You are using an application.
7.By using the Apps and Services, you allow us to share your positive and negative credit information with credit bureaus and to check your credit report for credit scoring/assessment purposes.
8.You also expressly authorize us to contact you and your expressly agreed emergency contacts to verify your information or when we are unable to contact you by other means or when we have not received payment from you in connection with the loan.
9.You submit the proof of this bank card to authorize Kash Kash and the third-party payment institution to use this bank card for automatic deduction if you fail to repay the repayment on the agreed repayment date.
Your use of the Services
1. The services we provide may only be used by persons over the age of 18.
2. Our acceptance of your account application will be displayed on the app. You hereby acknowledge and accept that our acceptance of your account application will not create any contractual relationship between you and the mobile money provider beyond the terms and conditions applicable to your mobile money account from time to time.
3. We reserve the right to reject your loan application or withdraw your loan application at any stage at our sole discretion without giving any reason or giving any notice.
4. We reserve the right to grant, refuse to grant loans and/or change the terms of any loan based on our assessment of your credit status from time to time. Loan terms and interest rates payable in relation to each loan application will be displayed on the app.
Rights
1. In consideration of the rights KashKash grants you under this Agreement, you hereby agree not to use the Application for purposes that are unlawful under any applicable law and/or in violation of the terms of these Terms and our Privacy Policy. You may not use the App in any manner that could damage, disable, overload or impair our servers or any network connected to any server, or interfere with any other party's use and enjoyment of the App. You may not attempt to gain unauthorized access in any way (including through hacking, password mining or any other means) to any functions and features, other user accounts, computer systems or networks connected to any server. You may not in any way obtain or attempt to obtain any material or information not intended to be provided by this application.
2. The Application is for your personal and non-commercial use only. You will not permit third parties to: (i) make and/or distribute copies of the Application or any deliverables generated by the Application; (ii) attempt to copy, duplicate, alter, modify and/or reverse engineer the Application; and and/or (iii) create derivative works of the Application.
3. You accept that any and all actions initiated by your device shall be assumed to have been initiated by you.
4. You may not copy, reproduce, distribute or create derivative works of the content we provide on the App. In addition, you may not reverse engineer or decompile the technology we make available on the Application, including but not limited to such Java applets that may be associated with the Application from time to time.
5. You are responsible for any activity that occurs on your account.
6 .You shall be solely responsible for any losses caused to KashKash or any other party due to your account being used by a third party. You may not use another person's account at any time without the permission of the account holder and KashKash.
7.KashKash will use all reasonable efforts to keep your information confidential. However, KashKash is not responsible for any disclosure of confidential information and/or loss or damage to equipment resulting from theft, negligence, or your failure to practice secure computing.
8.You shall ensure that you always strictly abide by all current and applicable laws, rules and regulations when using functions and features, and KashKash shall not be liable for any violation of your nature.
9.You understand and acknowledge that by using this application, you authorize us to visit the third-party website you designate on your behalf, obtain the information you request, and register the account you request. For all purposes herein, you hereby grant us a limited license, and you hereby authorize us to grant you access to all third-party Internet sites and to represent that license in any and all capacities on your behalf. , servers or files, retrieve information and use your information, as described above, have full power and authority to perform and perform all necessary and necessary acts in connection with the services and facilities provided on the Application and Thing, as fully as possible To everyone with intent and purpose what you personally may or may not have done. You acknowledge and agree that when we access and retrieve information from third-party websites, we are acting as your agent and not as an agent or on behalf of the third party. You agree that these third parties have the right to rely on the aforementioned authorization and agency rights granted by you.
Prohibited actions:
When using this system, you must not:
1.License, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or provide the System to any third party in any way;
2.Modify or make derivative works based on this system, or conduct reverse engineering or access underlying software for any reason;
3.Use the System to build competitive products or services, build products using ideas, features, functions or graphics similar to the System, copy any idea, feature, function or graphics of the System, or launch automated programs or scripts every second possible Make multiple server requests, or unduly burden or impede the operation and/or performance of the System, or attempt to gain unauthorized access to the System or related systems or networks;
4.use any application or program to retrieve, index, "data mine", or in any way duplicate or circumvent the navigational structure, presentation or content of the System;
5.Publish, distribute or reproduce in any way any copyrighted material, trademark or other proprietary information or remove any copyright, trademark or other proprietary information contained in the System without the prior consent of the owner of such title; Declaration of Rights;
6.send or store any material for illegal or fraudulent purposes;
7.send spam or other unsolicited messages, or otherwise cause nuisance, annoyance, inconvenience or make false bookings;
8.Send or store infringing, obscene, threatening, defamatory or other illegal or infringing material;
9.Send material that contains software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs;
10.interfere with or disrupt the integrity or performance of the system or the data contained therein;
11.impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity;
12.intentionally misrepresent your location; or
13.misrepresent any material information about yourself, or information that may be relevant to our decision to engage in any related or other business with you;
14.damage our reputation or that of any of our group companies in any way;
15.Harvest or harvest any information or data from any of the Services or our systems, or attempt to decipher any transmissions to or from the servers running any of the Services.
Accounts, passwords and security
To use KashKash, you need to have an account first, and you are responsible for maintaining your password and your account, and you are also fully responsible for all activities that occur under your password or account. You agree to: (a) notify us immediately of any unauthorized use of your password or account or any other breach of security; (b) you will not disclose your account password to anyone else
You hereby acknowledge that deletion of the Application from your device does not constitute termination of your account. If you wish to delete all information about you from KashKash's databases, upon receipt of your written request, KashKash will delete all such information as required by law.
Financial terms
1. Interest and Transaction Fees
1.1 The interest you pay us on any loan shall be displayed by us on the App. At the same time, we have the right to set and charge transaction fees related to your use of services, and will modify or change our service transaction fees from time to time. If we decide to start charging transaction fees or to change or amend our already applicable transaction fees, the transaction fees payable for any new service application will be displayed on the app. We will use reasonable endeavors to notify you of any changes to Transaction Fees within a reasonable time before implementing such changes, including by displaying a change notice on the App.
1.2 All payments by you under these Terms of Use shall be paid in full, without set-off or counterclaim, and without deduction or withholding, except as otherwise required by law. If at any time you are required to deduct or withhold from any payment to us, you shall promptly pay us the additional amount so that we receive the full amount that would have been received in the absence of such deduction or withholding .
1.3 If you fail to pay any amount owed to us by the payment due date, we reserve the right to charge you a late fee in advance for such amounts lent by you at the rate shown on the App.
2. Taxation
2.1 All payments by you in connection with these Terms of Use and the Loan are calculated without regard to any taxes payable by you. If any taxes are payable in connection with the payment, you must pay us an additional amount equal to the payment multiplied by the applicable tax rate. You must do so at the same time as the payment or when we make such a request, even after the relationship has ended or terminated.
2.1 You hereby agree and agree that we may withhold the amount in your account if we are required to do so by any tax authority, or if otherwise required by law or pursuant to an agreement with any tax authority, or if we are required to comply with internal policies or tax authority any applicable order or sanction.
3. Payment
3.1 The principal, interest, transaction fees and taxes payable by you to us in connection with these Terms of Use and the Loan must be paid by payment method before/on the due date provided and displayed on the App from time to time.
3.2 All payments must be made in the local currency within the area.
Default
An event of default occurs when you:
1. Failure to pay any amount or installment of a loan granted under these Terms of Use (including all accrued interest, transaction costs and taxes), unless failure to pay is caused solely by administrative error or technical problem; or is declared bankruptcy.
2. At any time after a continuing event of default, and without prejudice to any other rights or remedies conferred on it by applicable law, we may:
3. Termination of the Terms of Use in accordance with Article 13 of this Agreement;
4. A statement that the Loans (including all accrued interest, transaction costs, taxes and all other amounts outstanding under these Terms of Use) are immediately due and payable, at which time they will be immediately due and payable;
5. Provide credit bureaus with information about the event of default. Copies of any adverse information about you and your credit information sent to credit bureaus should be provided to you upon written request;
6. You will be charged a late fee at the rate displayed on the app for your delinquent payments.
Term and Termination
1. These Terms of Use shall remain in effect until terminated in accordance with its terms.
2. We may terminate these Terms of Use, and/or suspend or terminate your use of all or part of the System, Services and your account:
3. To notify you at any time and for any reason;
4. Without prejudice to our other rights and remedies, immediately notify or withhold notification if you breach any term of these Terms of Use;
5. If your account or agreement with your mobile network operator or mobile money provider is terminated for any reason;
6. Suspension or termination is required due to technical problems or for security reasons; it is convenient to update or upgrade the content or functions of the service from time to time; your account becomes inactive or dormant;
7. If we are required or required to comply with an order or direction or advice of a government, court, regulatory body or other competent authority
8. If we decide to suspend or stop providing the Services for commercial reasons or for any other reason at our sole discretion;
9. Upon termination or expiration of these Terms of Use for any reason, you shall:
10. Immediately delete and completely delete the app from your mobile device.
Changes
We may amend this Privacy Policy or Terms of Use from time to time to ensure that it complies with our future developments and/or changes in legal or regulatory requirements. It is your responsibility to periodically review this Privacy Policy or Terms of Use for the latest information on our data processing and data protection practices, and you Continued use of the App or Website, correspondence with us, or access and use of the following services to any modification of this Privacy Policy or Terms of Use will constitute your acceptance of the modification.
Third Party Sites
The App and Website may contain links to websites operated by third parties. We do not control and do not accept responsibility or liability for the collection, use, maintenance, sharing or disclosure of data and information by these websites and by such third parties. Please review the terms and conditions and privacy policies of those third-party websites to learn how they collect and use your personal information.
How to contact us
We are happy to collect voices from our customers! If you have any feedback, questions or concerns, please
Contact us according to the following ways:
• 24/7 online customer service
• Mail:maxwell20231001@gmail.com
• Office Address: CRV6+99M, 802103, Kubacha, Kaduna, Nigeria