Kindly allocate sufficient time to review these terms of use in their entirety. By registering for or using any aspect of the website, you acknowledge that you have read, comprehended, consented to, and accepted these Terms of Use.

If you utilize the Nexulendia service, you will be subject to their terms. An electronic financial service and an end-user licensing agreement are included in these Terms of Use. If you do not consent to these Terms of Use, you are prohibited from accessing or using any aspect of the Service. These Terms of Use are a legally binding agreement between Nexulendia Technologies and you, the individual user ("You" or "Your").

The effective date of these Terms of Use is the date of publication, and any modifications or updates are applicable.

2.1 Email is not included in the definition of "writing" in these Terms of Use, unless otherwise specified. Furthermore, the phrases that precede a phrase, including "include," "in particular," "for example," and other comparable expressions, serve to exemplify the meaning of the subsequent words, rather than to restrict it. These Terms of Use are written in the English language. If these Terms of Use are translated into a different language, the original English content will take precedence. If a dispute arises, the following takes precedence: (i) the local terms, if applicable; (ii) the specific terms, if applicable; and (iii) the residual portions of these Terms of Use.

By signing this document, you acknowledge and consent to the following:

3.1 You are authorized to approve these Terms of Use, to be legally bound by them, and to fulfill your obligations in accordance with them.

3.2 You acknowledge and consent to the strict adherence to these Terms of Use and all relevant laws. You also acknowledge that you are responsible for informing us if you violate any of the aforementioned regulations.

3.3 You are required to use the System and the Service exclusively for legitimate purposes and in accordance with their intended purposes.

3.4 You are accountable for guaranteeing that all personal information, records, and credentials you submit to us or through the system are accurate, current, comprehensive, and free of fraud.

3.5 Only accounts and internet access points that have been granted permission to be used are permitted.

3.6 It is imperative that you refrain from engaging in any deceptive, dishonest, or misleading behavior.

3.7 You are prohibited from interfering with or jeopardizing the network on which the System is connected and operates.

4.1 You acknowledge and consent to the complete reading and understanding of these Terms of Use, which are updated on a regular basis by Us, prior to establishing an account with Us, downloading, or streaming. The application and account`s functionality will be regulated by these terms.

4.2 Upon the completion of the application download, you will be deemed to have accepted these Terms of Use and agreed to adhere to them by clicking the "Accept" icon on Our System.

4.3 By installing the application and creating an account, you agree to the Terms of Use, which govern the account`s functionality. In addition, you confirm that this agreement does not affect any other legal or equitable rights we may have with respect to the account.

4.4 By continuing to utilize the service, you agree to the terms and conditions of these changes. We retain the right to modify or alter these terms at any time. We will notify you of any changes we make to the terms via the APP.

4.5 The App may occasionally be improved by the Website. Depending on the update, you may be unable to access the Service until you have downloaded or streamed the most recent version of the application and have agreed to any supplementary terms and conditions outlined in these Terms of Use.

4.6 You authorize the collection and use of technical data related to the mobile device, as well as related software, hardware, and accessories for internet-based or wireless services, in order to improve our offerings and provide you with services. This authorization is granted through the application or any of the services. In order to improve our service, your experience with the app, and/or our credit scoring services, you authorize us, our affiliates, and licensees to send, collect, preserve, process, and use Your data.

4.7 By utilizing the App and Service, you authorize us to evaluate your credit report for the purpose of credit assessment and appraisal. Additionally, you authorize us to communicate your credit information to the Credit Reference Bureau, which may contain both positive and negative information.

4.8 Additionally, you grant us irrevocable permission to contact you and your emergency contact, provided that they have consented, to verify your details in the event that we are unable to contact you through other means or if we have not received your payment related to the Loan described in Clause 11.

5.1 The service we provide is exclusively available to individuals who are eighteen years of age or greater. We reserve the right to contact the appropriate mobile money provider in order to verify the validity and current status of your Mobile Money account.

5.2 The application for your account will be displayed in the App. You acknowledge and consent that the approval of your account application by us does not create a contractual relationship between you and the Mobile Money Providers, with the exception of the terms and conditions that may occasionally apply to Your Mobile Money Account.

5.3 We reserve the right to reject or withdraw Your loan application without providing a reason or prior notice, at Our sole and absolute discretion.

5.4 We maintain the discretion to approve, decline, or modify the terms of any loan in accordance with our ongoing evaluation of your credit profile. The loan terms and the total interest amount that must be paid for each loan application will be displayed in the application.

All rights are reserved and granted.

6.1 We and our licensors (if any) grant you a royalty-free, revocable, limited, non-exclusive, non-transferable license to access and use the System exclusively for the purpose of receiving the service that We offer, provided that you comply with these Terms of Use and the Territory.

6.2 All rights not expressly granted to you under these Terms of Use are reserved by us and our licensors, if any. You do not acquire any complete or partial ownership rights to the System as a result of these Terms of Use.

Unlawful behavior:

6.3 You are prohibited from:

6.3.1 to distribute, assign, sublicense, sell, resell, transfer, assign, or in any other manner for commercial purposes, or to make the System accessible to another person;

6.3.2 modify or create works derived from the System, or access or reverse engineer the core software for any purpose.

6.3.3 Attempt to access the System or related systems or networks without authorization; copy any concepts, features, functions, or graphics from the System; use the System to develop a competing product or service; create a product using concepts, features, functions, or graphics from the System; or initiate an automated program or script that could generate multiple server requests per second or that unduly burdens or impairs the operation and/or performance of the System.

6.3.4 Implement any procedure or program to achieve replication or a remedy for the System`s navigational structure, presentation, or content. Additionally, it may be employed to index, "data mine," or obtain.

6.3.5 Post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner`s prior permission, or remove any copyright, trademark, or other proprietary rights notices from the System.

6.3.6 Transmission or storage of any content for fraudulent or illicit purposes;

6.3.7 send spam or unsolicited emails, or in any other way cause anguish, inconvenience, or fraudulent reservations;

6.3.8 retain or distribute content that infringes upon intellectual property rights or is illegal or tortious;

6.3.9 Disseminate content that contains detrimental programs, scripts, files, or code, including software viruses, worms, and trojan horses.

6.3.10 The integrity of the System`s or its data`s performance is compromised or tampered with.

6.3.11Use false assertions to claim affiliation with an individual or organization;

6.3.12willfully misrepresent your stance; or

6.3.13.falsely represents any substantial information regarding you that could potentially influence our future business dealings with you.

6.3.14 to in any way damage the reputation of our company or any of our group organizations;

6.3.15 Attempt to decode any transmissions to or from the servers that host any service; in addition, acquire or collect any data or information from our systems or any service.

7.1 In order to access the System as a user, you must create and maintain an account as an App user.

7.2 You are accountable for all activities that occur on your account. Yours:

7.2.1 A single account is adequate.

7.2.2 It is your responsibility to protect the privacy and security of the data associated with your account.

7.2.3 It is unlawful for you to transmit the account itself or any data to another individual or grant access to your account to another individual.

7.2.4 If you suspect that your account has been accessed or used in an illicit manner, you must notify us immediately.

7.3 In addition to our other rights and remedies, we reserve the right to restrict or prevent access to Your Account and/or the functionality provided by the application:

7.3.1 In the event that we determine that any of these Terms of Use have been violated, we may, at our sole discretion,

7.3.2 during the course of an investigation;

7.3.3 In the event that you are responsible for any principle, interest, transaction fees, or taxes owed to us or any of our group entities;

7.3.4 In the event that these terms of use are terminated for any reason; or

7.3.5 at any other time, provided that it aligns with our reasonable assessment.

By submitting this form, you consent to the use and processing of your personal data in accordance with the Privacy Policy, which is periodically revised and accessible here.

9.1By utilizing the System, you hereby grant us irrevocable permission to act on any Requests that we receive from you or that you may claim to be from you. Additionally, you acknowledge and assume responsibility for any such actions.

9.2 We reserve the right to decline any request related to your loan application, despite the fact that you have already obtained a loan from Us, at Our sole discretion.

9.3 We reserve the right to accept and act upon any Request that is incomplete or ambiguous, regardless of the reason, if we determine that the information can be resolved without involving you, at our sole discretion.

9.4 We will still be considered to have acted appropriately and fulfilled all of our obligations to you, even if the Request was sent, initiated, or otherwise conveyed in error or fraudulently. If we have responded in good faith to a request, you will be held accountable for it as long as you have provided the instructions.

9.5We reserve the right to decline to act on or in compliance with all or any portion of Your Request until you provide us with additional information or confirmation, whether in writing or elsewhere, at our sole discretion.

9.6You grant Us the authority to act in accordance with all or a portion of Your Requests. Additionally, you consent to the release and indemnification of Us from any claims, losses, damages, costs, and expenses that may arise from Our compliance with Your Requests or from our failure to exercise the discretion that has been granted to Us.

9.7 You acknowledge that, to the fullest extent permitted by applicable law, we will not be held responsible for any unauthorized drawing, transfer, remittance, disclosure, activity, or incident on Your account that results from Your knowledge or manipulation of Your account PIN, password, or ID, regardless of whether or not it was the result of Your negligence.

9.8 We are authorized to enforce any instructions regarding Your Account that may be required by a court order, competent authority, or agency in accordance with the Applicable Law.

9.9 In the event of a dispute, these Terms of Use will prevail over any requests that We receive from you.

10.1 You are accountable for the safe and efficient operation of Your Mobile Device at your own expense, as it necessitates access to the System and the Service.

10.2 It is your responsibility to ensure that your mobile device operates at its optimal level. We do not assume any responsibility for any computer viruses or other issues that may arise from the use of the system, the service, or the mobile device, as well as for any errors or malfunctions that may result from the mobile device`s malfunction. We will not be held liable for any delays or losses caused by any service provider that provides you access to the network, and you will be responsible for any associated costs.

10.3 Your mobile device may be employed to access the application. It is your obligation to confirm that you have downloaded the appropriate application for your mobile device. We are not responsible if your device is incompatible or if you do not have the most recent version of the application for it.

10.4 In the event that your mobile device is lost, stolen, damaged, or no longer in your possession, you are required to promptly notify us and adhere to the instructions we have provided. The disclosure of Your account information and credentials to another individual, or the potential impact on our legal rights and/or remedies, could occur if this occurs. We shall not be held accountable in the event that a third party acquires knowledge of your account information and credentials. By utilizing Your account information and credentials, you consent to indemnify us and safeguard us from any potential losses.

10.5 You are entirely accountable for the selection of an appropriate internet and mobile plan, as well as for the payment of any fees imposed by your mobile service provider, such as SMS, internet data, and phone fees. It is your responsibility to be aware that the system may require a significant quantity of data usage; in addition, you will be held wholly accountable for all associated costs and usage.

10.6 When using the System and the Service, you are required to adhere to all policies, rules, and instructions outlined in these Terms of Use and any other document that We provide.

10.7 You are required to implement all necessary measures to detect any unauthorized use of the Service and the System. Consequently, it is essential that you or an individual acting on your behalf evaluate and verify any correspondence that we send to you. This will guarantee that any unauthorized access or use of the system will be identified. If the following occurs, you are required to notify us immediately:

10.7.1 You have reason to believe that your credentials have been compromised; and/or that they are known to an individual who is not authorized to possess them; and/or

10.7.2 You have reason to suspect that unauthorized use of the Service has occurred, may have occurred, or may have occurred, and that a transaction may have been compromised or submitted fraudulently.

10.7.3 You are required to comply with any security protocols that we may occasionally notify you of, as well as any other protocols that may occasionally be pertinent to the Service. You are cognizant of the possibility of a breach of the confidentiality of your account if you neglect to comply with the recommended security protocols. You are responsible for ensuring that the service, Requests, and any related duties are utilized exclusively by individuals who have been authorized by you.

Transaction fees and interest

11.1 The interest that you are obligated to pay in connection with any loan will be disclosed on the application. We reserve the right to establish and collect Transaction Fees related to your use of the service, as well as to routinely alter or modify those fees, while you wait. The Transaction Fees that are paid for any new service application will be displayed on the App if we decide to begin charging Transaction Fees or, if applicable, modify or revise Our Transaction Fees.

11.2 You acknowledge that you are responsible for paying all amounts owed under these Terms of Use in their entirety, without any setoffs or counterclaims, and without any deductions or withholdings, unless otherwise mandated by law. In order to guarantee that we receive the full amount that would have been paid had there been no deduction or withholding required, you are obligated to furnish the pertinent additional amounts promptly upon being required to deduct or withhold from any payment to Us.

11.3 In the event that you fail to make any payments that are owed to Us by the due date, we reserve the right to charge penalty interest that will be disclosed on the application on the amount that was lent to You.

Taxes

11.4 No taxes that you are responsible for paying are considered when calculating any payments that you are obligated to make in connection with these Terms of Use and Loan. In the event that taxes are due on the payment, you consent to pay us an additional sum that is equivalent to the payment multiplied by the applicable tax rate. You are required to comply with this condition regardless of the termination of the connection, in addition to making the payment or whenever We issue such a demand

11.5 By accepting this agreement, you authorize us to withhold funds from your account in the event that we are compelled to do so by law, in compliance with agreements with tax authorities, or in order to adhere to internal policies or to comply with any applicable order or sanction of a tax authority.

Payments

11.6 You are required to pay the principle, interest, transaction fees, and tax that you owe us in relation to these Terms of Use and Loan by utilizing the payment options that are available and displayed on the application, either before or on the periodically designated due date.

11.7 The local currency must be utilized for all transactions conducted within the territory.

12.1 When you: This is the default event.

12.1.1 Failing to pay any amount or installment (including all accrued interest, Transaction Fees, and tax) due for a loan granted under these terms of use for fifteen (15) consecutive days, unless the failure to pay is solely the result of a technical issue or an administrative error; or filing for bankruptcy.

12.2 We may, at any time, without limiting any other right or remedy that may be granted to us under applicable law, following the occurrence of an ongoing event of default:

12.2.1 These terms of use will be terminated in accordance with Clause 13 of this document.

12.2.2 Confirm that the loan is promptly due and payable, along with all interest, transactions fees, taxes, and any other sums outstanding under these Terms of Use.

We will impose penalty interest specified on the application as a result of your inability to make a payment.

13.1 These provisions of Use will continue to be in force until they are fully implemented in accordance with their provisions.

13.2 We retain the right to terminate these Terms of Use and to discontinue using the System, the Service, and Your Account in whole or in part:

13.2.1 by providing you with notice at any time for any reason;

13.2.2 If you violate any of these Terms of Use, you will be terminated immediately, with or without notice, without affecting our other rights and remedies.

13.2.3 In the event that your mobile money provider or mobile network operator terminates your account or agreement for any reason;

13.2.4 When the Service`s functionality or contents require regular updating or upgrading, when Your Account is dormant or inactive, or when technical issues or safety concerns necessitate such a suspension or termination.

13.2.5 If we are obligated to comply with a directive or request issued by a government, court, regulator, or other competent authority, or

13.2.6 At our sole discretion, should we decide to suspend or terminate the Service for any reason, whether commercial or otherwise?

13.3 In the event that these Terms of Use are terminated or expire, you will be obligated to:

Upon termination, you are required to promptly pay us any applicable taxes, principal, interest, and transaction fees—in any case, within three days. These amounts will be paid and obligated immediately. The application must be removed from your mobile device without delay and in its entirety.

13.4 Nevertheless, the termination will not affect the accumulated rights and obligations of either party.

13.5 The parties will no longer be subject to any rights or obligations under the Terms of Use after their termination, with the exception of the provisions of the relevant clauses and any other clauses that are specifically or naturally maintained. These clauses will continue to be in effect even after the Terms of Use are terminated, and they will not affect any rights or obligations that either party had at the time of termination.

Payables

14.1 You hereby consent to the defense, indemnification, and holding harmless us, our licensors, and the affiliates of each of these parties, as well as their respective officers, directors, members, employees, and agents, from all claims, costs, losses, liabilities, and expenses (including legal fees and costs) that arise from or are related to:

14.1.1 Any infraction of these terms of use or any pertinent legal requirements; and

14.1.2 The manner in which you utilize the system and/or the service, including:

14.1.2.1 any claims made by a third party that are a consequence of your use of the System and/or Service;

14.1.2.2 Any damage or loss that results from your use, abuse, misuse, or possession of third-party software, including but not limited to operating systems, browser software, and other software packages or programs;

14.1.2.3 any security compromise, unauthorized entry into Your account, erasure or access to Your data, or damage, theft, or destruction of any of Your mobile devices; and

14.1.2.4 Any loss or damage that we may sustain as a result of violating these Terms of Use. These may encompass, but are not restricted to, the submittal of fraudulent information, the malfunctioning or unavailability of third-party systems or facilities, and the inability of a third party to conduct a transaction.

Liability waiver

14.2 We shall not be held liable for any losses you may incur if any of Your mobile devices fails to function or if the Service is interrupted or unavailable for any reason beyond Our control. These include, but are not limited to, error, delay, or non-availability of the System, force majeure, or error, power outage, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system.

14.3 You acknowledge that the application has not been specifically designed to meet your specific requirements. Consequently, it is your responsibility to ensure that the features and functionalities of the application as described meet your requirements.

14.4 The application is exclusively for personal use. We are not responsible for any loss of profit, disruption of business, or opportunity to lose business, and you are aware that the App should not be used for commercial, business, or resale purposes.

14.5 You acknowledge that We shall not be held accountable for any losses or damages that are associated with or result from:

14.5.1 Any problem or defect in the application or any service that arises as a consequence of the application`s customization or modification;

14.5.2any error or issue with the application that is the consequence of your violation of these terms of use;

14.5.3 Your violation of Clause 6;

14.5.4 Your mobile money account is inadequately funded.

14.5.5 The system, your mobile device, the network, or a mobile money system failure, malfunction, interruption, or unavailability; a lawsuit or other encumbrance that prevents payments or transfers; your inability to provide sufficient or comprehensive instructions for payments or transfers related to your account;

14.5.6 any unauthorized or fraudulent use of the service, your mobile device, or the system; or

14.5.7 Your disregard for these terms of use, as well as any guidelines or instructions that we may have issued to you regarding the use of the system and the service.

14.6 We shall not be held responsible for any indirect or consequential loss or damage of any kind, regardless of the cause, even if we are aware of the possibility of such loss or damage.

14.7 Our maximum liability in relation to the App, the System, the Service, or these terms of use shall not exceed the transaction fees you pay to us in connection with the first event giving rise to a claim under these terms of use, unless otherwise specified in these terms of use, to the extent permitted by applicable law and unless otherwise stated in these terms of use.

14.8 You are required to notify us of any claims you may have against us under or in connection with the App, the System, the Service, or these Terms of Use within six (6) months of the events giving birth to such claims, unless otherwise specified in these Terms of Use. To the fullest extent permitted by law, you will forfeit all rights and remedies you may have in relation to this claim if you fail to comply with it.

14.9 We expressly disclaim all responsibility for:

14.9.1Communications infrastructure issues that are beyond our control and may affect the timeliness or veracity of the messages you transmit or the content you access through the application;

14.9.2any delays or losses in the delivery of communications or content that you access, which are caused by the use of a mobile network service provider, an Internet access service provider, or a browser or other third-party software that is beyond our control;

14.9.3Viruses that may be transmitted to your mobile device or other property through the application or service or by accessing any content contained within the app or service;

14.9.4 the unauthorized use or interception of any data or communication prior to its arrival at the application or our servers from the application;

14.9.5 Any unauthorized use or access to the data we hold about you or your transactions, unless such use or access is the result of our negligence, wrongdoing, or violation of the laws protecting your data, to the maximum extent permitted by applicable law.

14.9.6 Any content that has been sourced from external sources.

15.1 The App or the Service may contain references and connections to other mobile applications or websites that are operated and maintained by third parties. These hyperlinks function as a resource for information on topics that may be of interest to you. We do not endorse or recommend any products, services, data, commodities, ideas, or perspectives that may be found on any third-party website or application by providing a link.

15.2 We do not provide any explicit or implied assurances regarding the accuracy, comprehensiveness, dependability, or appropriateness of the materials on any Third-Party Sites or Applications. We cannot guarantee that any Third-Party site or application will not contain any copyright, trademark, or other infringement claims. Additionally, we cannot guarantee that third-party websites or applications will be free of viruses or other infections.

15.3 You are cognizant of the fact that third-party websites and applications may have distinct privacy policies and provide less security than ours. You are in complete control of whether or not to access or use any Third-Party website or application, as well as whether or not to purchase or use any products or services that are advertised or sold there.

You grant us permission to send you direct marketing emails by utilizing the services. If you would prefer not to receive marketing messages from us, you may designate your preference in the box located on the relevant message.

17.1 These Terms of Use will be governed by the laws of Uganda, unless the law in Your Territory specifies otherwise. This includes any and all disputes that arise out of or in connection with these Terms of Use, including any alleged transgression or challenge to the validity or enforceability of these Terms of Use or any provision hereof. In that event, the laws of Your Territory will govern these Terms of Use.

17.2 Unless the parties hereto have otherwise agreed, any query, disagreement, or dispute originating out of or related to these Terms of Use shall be referred to a single arbitrator for final resolution, unless otherwise explicitly stated herein. Alternatively, the Chairman of the Uganda Branch of the Chartered Institute of Arbitrators ("Institute") may comply with the request of any party within seven days of the other party notifying the dispute chairman.

17.3 The Ugandan Arbitration and Conciliation Act will be followed when conducting arbitration in Uganda.

17.4 The arbitrator`s decision will be binding on the parties to the fullest extent permitted by law.

17.5 Prior to the arbitrator`s final decision or award, neither party is prohibited from pursuing legal action to obtain preliminary injunctive relief or interim measures from a court of competent jurisdiction.

18.1 We shall not be held accountable for any performance failure or delay that results from circumstances beyond our reasonable control.

18.2 Avoid disclosing any sensitive information regarding our operations, affairs, customers, clients, or suppliers, as well as any of our affiliates, to any individual.

18.3 You acknowledge and consent that we reserve the right to assign or transfer the creditor`s rights of the Loan at our sole discretion, without providing you with prior notice. The transfer mentioned above will not affect your obligations under these Terms. The instructions provided on the application must be adhered to when making the payment.

18.4We retain the right to modify these Terms of Use at our sole discretion. Nevertheless, you acknowledge that it is your obligation to conduct routine reviews of the Terms of Use. By continuing to utilize the system and service, you will be deemed to have consented to the aforementioned modifications.

18.5 The rights and remedies granted to each party under these Terms of Use are cumulative, not exclusive. They may only be renounced in writing and explicitly. The failure to promptly exercise or exercise any right does not necessarily indicate that it has been waived.

18.6 The parties have reached a mutual understanding and acceptance of the entirety of the information in these Terms of Use. Any prior agreements or comprehensions concerning this subject matter are rendered null and void. Additionally, the parties hereby retract any implied statements of fact. The parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any individual when they enter into these Terms of Use, except as explicitly stated in these Terms of Use or as inferred by applicable law. Each party irrevocably and unconditionally relinquishes all claims, rights, and remedies that it may have had in the past with respect to any of the aforementioned matters. Liability for fraud or any other liability that cannot be limited or excluded by these Terms of Use is subject to applicable law.

18.7 You are prohibited from assigning, sublicensing, transferring, subcontracting, or otherwise disposing of any of Your rights or obligations under these Terms of Use without our prior written agreement. With the exception of situations where Applicable Law mandates it, we may at any time assign, sublicense, transfer, sublet, or otherwise manage our rights or responsibilities under these Terms of Use without prior notice or consent.

18.8 The remaining portions of these Terms of Use will remain in full force and effect if any court or appropriate authority determines that any part of them is unlawful, void, or unenforceable under applicable law. As far as is practicable, the pertinent portion of these Terms of Use will be replaced with a provision that is legal, valid, and enforceable and is equivalent to the substituted portion.

18.9 The provisions of these Terms of Use may not be relied upon or applied by any individual who does not participate in them.

18.10 We may send a notice to the email address you have provided in your account or by publishing a general notice on the system or the application. You are obligated to notify us via email at help@Nexulendia-ug.com.

18.11 You may submit complaints and suggestions regarding the system and service to help@Nexulendia-ug.com.

It is imperative that all employees consistently exhibit and promote professionalism and morality when engaging with consumers, irrespective of whether they are in debt.

In an effort to address complaints or collect loans, loan collectors, recovery agents, and customer service agents are prohibited from insulting, abusing, degrading, defaming, or threatening customers and their contacts. Employees who participate in any of the aforementioned activities are acting independently and will be held accountable for the consequences of their actions.

Privacy and Data Confidentiality and Security

Our primary concern should be the protection of our clients` data. In order to guarantee the security of the data we receive from our clients, we implement electronic, procedural, and physical measures.

We guarantee that we will make every conceivable effort to protect the privacy of any information that we acquire or acquire during the provision of our services. Unless it is publicly available or if disclosure is mandated by law or our licensing, this information will not be disclosed, made available to third parties, or used for any purpose other than the development of our service. We can collect and store the personal data of our customers to ensure that we only communicate with authorized individuals when responding to queries, issues, and requests, and to provide them with superior service.

In order to ensure that all of our clients and agents receive accurate, comprehensive, and current information, we will adhere to industry standards by employing language that is clear, concise, and simple to comprehend.

We guarantee a prompt response to any inquiries customers may have regarding our services. The following information will be included in this free resource:

(a) The organization`s current service agreements, which encompass fees, terms, and conditions for all public services, are accessible on its website.

(b) The specifications of services that are subject to the Commission`s tariff or pricing control must be included on accessible service tariff pages. These documents must be accessible on our APP.

(c) The terms of service will be plainly displayed on the website and all other platforms that consumers utilize to obtain services.

The consumer will be furnished with the following information prior to the execution of a service contract:

(a) the appropriate levies and contributions;

(b) the substance of the allegations;

(c) the method used to ascertain each element or component of a pertinent charge;

(d) the frequency of the charge or any other factors that influence the charge;

(e) the specifics of any changes and the method by which the customer will be notified of them, with the notification method being through the app, in the event that the fees or any of its components fluctuate over time.

23.1 We will not participate in telemarketing that is not requested, unless it is explicitly disclosed.

a. The communication commences with a clear statement of the specific objective of the exchange.

b. to identify us or the other party on whose behalf it is made.

c. the comprehensive description of any service or product that is the subject of the correspondence; and

d. The individual who receives the communication has the complete right to terminate the agreement service by contacting the customer care telephone number within seven (7) days of the communication—which the Licensee must explicitly disclose to the recipient during the communication—unless the product or service has been supplied to and used by the individual at that time.

We will conduct telemarketing in compliance with the client`s "call" or "do-not-call" preferences, as well as any supplementary rules or guidelines that any other appropriate authority may periodically issue, whether at the time of signing a services contract or following.

23.3 Ensure that, without referring to the first subsection of this section:

a. The consumer is not subjected to any unsolicited voice calls or brief message services without their consent.

b. The consumer must consistently have the choice to accept or decline unsolicited voice conversations or brief message services.

c. We have simplified all of these procedures to allow clients to select whether they wish to receive any unsolicited voice calls or brief message services or to specify the type of unsolicited calls or short message services they wish to receive.

If the caller attempts to make an unsolicited transaction, we guarantee that they are provided with adequate information regarding the Licensee`s name and/or other distinctive identity.

I. the primary objective of the uninvited transaction;

I. the primary objective of the uninvited transaction;

II. a detailed account of the service or product;

III. Any conditions or prerequisites that qualify the unsolicited sale.

When attempting to make a voice call, customers will hear up to three chimes and two (2) attempts per day.

a. to a specific group of individuals;

b. to a particular region, territory, or location within the country;

c. within a predetermined time frame; or

d. Due to the scarcity of resources, instruments, or other materials.

a. The customer must have unrestricted access to the bill or other relevant information in order to validate the bill.

b. It is responsible for the monitoring of a client`s bill and associated expenses for a minimum of one year (12 months). The term "bill" or "billing" refers to the methods of recording and processing that a Licensee employs within the context of this section`s responsibilities.

We assure you that the procedures they implement to receive and address complaints will not discourage customers from submitting them. The subsequent procedure will be implemented to address complaints:

a. an electronic correspondence address

Customers will be liable to our terms of service if they submit a signed service agreement or an express approval of the service terms in any form.

Customers will be deemed to have accepted our terms of service once they begin using our services, as we have adequately apprised them of their agreement to our terms.

The consumer will not be required to pay any fees to us or our appointed representatives for providing their spouses, family, and emergency contacts in the event that they default on a loan or other financial asset.