General Terms and Conditions

This agreement outlines the terms and conditions between FlashCredit (referred to as “we,” “our,” or “the Company”) and the user (referred to as “you” or “User”) regarding the use of our loan services. By accessing or using our services, you agree to be legally bound by these Terms and Conditions and our Privacy Policy. If you do not agree, please discontinue the use of our services immediately.

1. Acceptance and Agreement

By completing the registration process or accessing the services, you confirm that you have read, understood, and agreed to these Terms and Conditions. We reserve the right to decline your application for services with or without reason, and any refusal will be communicated in writing within two business days.

2. Modifications to Terms and Services

We may revise or update these Terms and Conditions at our discretion. Changes required by law or relating to new features may take effect immediately. You are encouraged to review these Terms periodically. Continued use of our services after changes constitutes acceptance of the updates.

3. Service Availability

We may withdraw or modify services and restrict platform access without prior notice. While we strive to minimize disruptions, scheduled maintenance or unforeseen downtime may occur. You will be informed of major changes as soon as practicable.

4. User Responsibilities and Eligibility

• Eligibility Requirements: You must be 18 years or older, have a valid bank account with a Nigerian commercial bank, and provide accurate, current, and complete information during registration.
• Account Security: You are responsible for keeping your account details secure and must notify us immediately of unauthorized use.
• Accurate Information: You agree to update your information promptly if there are changes and provide additional documentation upon request.
• Due Diligence: We reserve the right to verify your details and retain due diligence records in compliance with our Privacy Policy.

5. About the Service

We offer short-term credit facilities, including loan requests, approvals, disbursements, and support services. Additional services may be introduced or referred through third parties. You accept sole responsibility for all activities under your account.

6. Restrictions on Use

You agree not to:

• Use the platform for illegal activities, fraud, or harm to third parties.
• Disrupt platform operations or impersonate others.
• Violate applicable laws or regulations.

7. User Warranties

You warrant that:

• All information provided is true, accurate, and complete.
• Your use of the service complies with applicable laws.
• You grant the Company a license to use information provided per these Terms.

8. Disclaimer of Warranties

Our services are provided “AS IS” without warranties of any kind. We do not guarantee uninterrupted or error-free services and are not liable for issues such as data loss, viruses, or reliance on third-party advertisements.

9. Liability Limitations

To the extent permitted by law, we are not liable for indirect, consequential, or punitive damages arising from service use. This includes, but is not limited to, loss of data, revenue, or goodwill.

10. Indemnity

You agree to indemnify and hold the Company harmless against claims or damages resulting from violations of these Terms or misuse of our services.

11. Confidentiality

All proprietary information provided through the platform must remain confidential unless authorized in writing. This obligation extends beyond the termination of these Terms.

12. Termination

We reserve the right to terminate services if you breach these Terms, fail to fulfill obligations, or upon regulatory requirements. Obligations, including outstanding repayments, remain enforceable post-termination.

13. Governing Law and Dispute Resolution

These Terms are governed by Nigerian law. Disputes will first be addressed through negotiation and, if unresolved, referred to mediation under the Lagos Multi-Door Courthouse rules.

14. Miscellaneous Provisions

• Force Majeure: We are not liable for non-performance due to circumstances beyond our control (e.g., natural disasters, government actions).
• Severability: If any provision is deemed invalid, the remaining provisions remain enforceable.
• Assignment: You may not transfer rights under these Terms without prior consent. We may assign or subcontract our rights and obligations.

15. Contact Information

For inquiries, please contact us via:

• Email: flashcreditAM@hotmail.com
• Website: https://flashcredit.net

By using our services, you acknowledge that you have read, understood, and agree to these Terms and Conditions.