About these Terms of Use

Please carefully review these Terms of Use as they serve as both an electronic financial service agreement and an end-user license agreement. By registering for or using any portion of the QuickBucks service ("Service"), you confirm that you have read, understood, accepted, and agreed to these Terms of Use. Your engagement with any part of the Service signifies your acceptance and commitment to comply with these terms. If you do not agree with these Terms of Use, you are not permitted to access or use any part of the Service. These Terms of Use constitute a binding legal agreement between you, an individual user ("You" or "Your"), and the QuickBucks service ("We," "Us," or "Our"). These Terms of Use, along with any subsequent amendments or variations, become effective upon their publication.

Your Warranties/Responsibilities

You affirm to us that:

1. You possess full authority to accept and be legally bound by these Terms of Use.
2. You will adhere to all Applicable Laws and these Terms of Use, promptly notifying us of any violations.
3. You will utilize the System and Service solely for lawful purposes and as intended.
4. The documents, Personal Information, and Credentials you provide are accurate, current, complete, and not misleading.
5. You will use authorized internet access points and Accounts.
6. You will abstain from any fraudulent activities.
7. You will not interfere with the operation of the System.

Acceptance of these Terms of Use

1. Before downloading or streaming the App or registering an Account, carefully review and understand these Terms of Use.
2. By clicking "Accept" in our System after downloading the App, you agree to these Terms of Use.
3. Your use of the App and registration signifies your acceptance of these governing terms.
4. We may amend these terms, and your continued use implies acceptance of such changes.
5. Updates may necessitate acceptance of new terms via the Website.
6. By using the App, you consent to our collection of technical information to enhance our products.
7. Credit information may be shared with a Credit Reference Bureau as per your authorization.
8. We may contact you or your emergency contact for verification purposes.
9. You authorize us to use your bank card for direct debit in case of loan repayment failure.

Your Use of the System

Rights Granted and Reserved:

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.
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.

Prohibited Conduct:

3.When using the System, you must not:
3.1. License, sublicense, sell, resell, transfer, assign, distribute, or otherwise commercially exploit the System to any third party.
3.2. Modify, create derivative works from, reverse engineer, or access the underlying software for any purpose.
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.
3.4. Attempt unauthorized access to the System or associated networks.
3.5. Extract or reproduce System content or structure without authorization.
3.6. Post, distribute, or reproduce copyrighted material or trademarks without prior consent.
3.7. Use the System for illegal or fraudulent purposes.
3.8. Transmit spam or other unsolicited communications.
3.9. Store or transmit harmful computer code.
3.10. Disrupt System integrity or performance. 3.11. Impersonate others or misrepresent affiliations.
3.12. Falsify location information.
3.13. Provide false personal information.
3.14. Damage our reputation or that of our Group Companies.
3.15. Collect data from Services or our systems or intercept transmissions.

Your Use of the Service

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.
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 Mone Account at any given time.
3. We retain the right to decline or rescind your Loan application at any stage, at our sole discretion, without providing reasons or notice.
4. We reserve the sole and absolute discretion 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.

Requests You Make

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

Your Responsibilities

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.
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.
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.
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.
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.
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.
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:
7.1. You suspect your Credentials are compromised or known to unauthorized individuals; and/or
7.2. You suspect unauthorized use of the Service has occurred, is ongoing, or may occur, potentially involving fraudulent transactions.
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.

Financial Terms

Interest and Transaction Fees:

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

Default

1. A default occurs when you:
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.
2. Following the occurrence of an ongoing default, we may, without prejudice to any other rights or remedies available to us under applicable law:
2.1. terminate these Terms of Use as per Clause 11 herein; 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;
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
2.4. impose late fees on you at the rate displayed on the Application for default in payment.

Term and Termination

1. These Terms of Use shall remain in effect until terminated in accordance with their provisions.
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:
2.1. at any time, for any reason, upon notice to you; 2.2. immediately, with or without notice, if you breach any term of these Terms of Use, without prejudicing our other rights and remedies; 2.3. if your account or agreement with a Mobile Network Operator or Mobile Money Provider is terminated for any reason;
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; 2.5. if compelled to comply with an order, directive, or recommendation from a governmental, judicial, regulatory, or other competent authority; or 2.6. for commercial reasons or any other reason determined at our sole discretion to suspend or terminate the provision of the Service.
3. Upon termination or expiration of these Terms of Use for any reason, you shall:
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 3.2. immediately uninstall and fully remove the Application from your Mobile Device.
4. Termination shall not affect any accrued rights and obligations of either party.
5. Upon termination of these Terms of Use, except as expressly provided otherwise or by their nature intended to survive, the provisions of Clauses 2,9,11,12,14, and and any other clause surviving by express provision or necessary implication, will continue to survive.

Indemnification and Exclusion of Liability

Indemnities:

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:
1.1. Your breach of any provision of these Terms of Use or any Applicable Law; and
1.2. Your use of the System and/or the Service, including:
1.2.1. Claims by third parties arising from your use of the System and/or the Service;
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; 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
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.
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, includingbut 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.
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.
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.
5. We shall not be liable for any loss or damage suffered by you as a result of or in connection with:
5.1. Any defect or failure in the Application or any Service resulting from your modification or alteration of the Application;
5.2. Any defect or failure in the Application resulting from your use of the Application in violation of these Terms of Use;
5.3. Your breach of Clause 6 herein;
5.4. Insufficient funds in your Mobile Money Account;
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;
5.6. Any fraudulent or illegal use of the Service, the System, and/or your Mobile Device; or
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.
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.
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.
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 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.

Disciplinary Procedure for Loan Collection Communication with Customers

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.

Code of Practice for Customers

Upon requesting a loan through the QuickBucks 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.

Provision of Information to Customers

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.

Telemarketing on Request

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.

Consumer Billing, Collection, and Credit Practices

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.

Complaint Handling

1.We will provide easily accessible information about our complaint resolution processes through various mediums, including hard copy and web-based formats, as required.
2.This information will be presented clearly and comprehensibly, encompassing all relevant details about our complaint handling procedures.
3.Our complaint handling policy will feature transparent, readily accessible grievance procedures that facilitate effective access to Alternative Dispute Resolution (ADR).
4.Consumers will be clearly informed about how to file a complaint, either at our premises or using specified communication methods.
5.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.

Complaints Process

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.

Consumer Obligations

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