Terms and Conditions

The Agreement

This agreement sets out the general terms and conditions (“Terms and Conditions”) that governs your use of smecreditpro.com (the “Site”) and/or any of the services (the “Services”) offered by SME Credit Pro Ltd (“SMECreditPro”) on and through our Site, or any of our Representative (“Field Agent”). This Terms and Conditions is Effective as of: January 1, 2024.

General

SMECreditPro may revise these Terms and Conditions at any time by updating this page on the Site and in such event your continued use of the Site/Service, shall constitute your acceptance of such updated Terms and Conditions. Accordingly, you should visit this page from time to time to review the then-current Terms and Conditions because they are binding on you. These Terms and Conditions and any amendments or variations thereto take effect on their date of publication.

The use of our Site/Service

If you wish to use our Services, you will be required to register on our system through our Site or Field Agent. By proceeding with registration, you are agreeing that you have accepted our Terms and Conditions on our official website. Thereafter, you will need to provide us with certain information, including information about your identity, finances, and business performance. You will also need to create a user ID and a password to protect your account information. With your permission, we may also create your user ID and password on your behalf, access your banking information, obtain a credit report, retrieve bank account data, or collect other third-party data about you (collectively, the “Personal Information”). As a registered user (“User”) of the Site, you represent and warrant that: (i) you are 21 years of age or older; (ii) the Personal Information is true, accurate, current and complete; (iii) you will maintain and update Personal Information to keep it true, accurate, current, and complete; and; (iv) the Personal Information belongs to you and does not infringe or violate any patents, copyrights, trademarks or other intellectual property, proprietary or privacy rights of any third party; and (v) you own or has obtain the right to all of the intellectual property rights subsisting in the Personal Information provided, and has the right to provide SMECreditPro the license granted herein to the Information, (vi) the Company Information is true, accurate, current and complete; (vii) you will maintain and update Company Information to keep it true, accurate, current, and complete; and; (viii) the Company Information belongs to you and does not infringe or violate any patents, copyrights, trademarks or other intellectual property, proprietary or privacy rights of any third party; and (ix) you own or has obtain the right to all of the intellectual property rights subsisting in the Company Information provided, and has the right to provide SMECreditPro the license granted herein to the Information.

Privacy Policy

SMECreditPro is committed to protecting the privacy of personal data. This policy sets out how we collect, use, store and disclose your personal data and information. In addition to reviewing these terms and conditions, you should also review our “Privacy Policy”, which is incorporated on our website to better understand how we collect and use personal information. Your use of the Site and the Services constitutes your agreement to its terms and conditions. This privacy policy is drafted in accordance with the applicable laws and regulations on the protection of personal information.

Fees, Charges & Taxes

SMECreditPro will provide the Service to you at the rates communicated to you from time to time in the pricing schedule shared with you. The fees will cover the charges for any services connected with your Account. You hereby agree to pay all fees, costs and other charges payable in connection with your use of our Service and/or incurred by SMECreditPro in obtaining or attempting to obtain settlement of any loan advanced herein including but not limited to the following:

• The application processing fee payable in advance or deducted from the loan amount at the time the loan is disbursed.
• The loan interest at the rate shared with you in the pricing schedule
• Late fee if you fail to pay the monthly instalment by the agreed upon due date
• Legal charges (Recovery Fee) which may include advocate and client charges, costs and expenses incurred in any legal, arbitration or other proceedings arising out of or connected with your loan account;
• All taxes payable in connection with your account

Disbursement / Repayment Methods

• Loan disbursement/repayment will be either by cheque, bank transfer or Mobile Money (Orange Money, MTN Mobile Money). Disbursement via Mobile Money will be without withdrawal charges. The Borrower will choose the method of disbursement that suits him.

Borrower’s Equipment and Responsibilities

• You shall at your own expense ensure that your equipment is safe and operating efficiently for the purpose of accessing our Site/Service.
• You shall be responsible for ensuring the proper performance of your equipment. SMECreditPro shall neither be responsible for any errors or failures caused by any malfunction of your equipment, and nor shall SMECreditPro be responsible for any computer/phone virus or related problems that may be associated with the use of our Site/Service
• You shall follow all instructions, procedures and terms contained in these Terms and Conditions and any information and/or document provided by SMECreditPro concerning the use of our Service.
• You agree and acknowledge that you shall be solely responsible for the safekeeping and proper use of your equipment. You shall ensure that your equipment does not come into the possession of an unauthorised person. SMECreditPro shall not be liable for any loss occasioned by any Third Party who comes into contact with your equipment.
• You shall immediately inform SMECreditPro through 650661491 in the event that you have reason to believe that your equipment has been used to complete a transaction fraudulently without your authorization, however SMECreditPro shall not be liable for the said unauthorised infringemen

Early payoff

The Borrower may pay off the Loan early, but the full costs based on the original terms of the Loan as communicated to you at the time of taking out the loan are applied and due at the time of the payoff.

Enforcement Cost

If the Borrower fails to pay any payment obligation under this Agreement when due, the Borrower promises to pay all costs of collection, including reasonable attorney fees, whether or not a lawsuit is commenced as part of the collection process.

Surety

The Borrower Signatory to this Loan understands and agrees to be responsible, both individually and jointly, for repayment of the total Loan principal, interest, interest tax, all applicable fees, and all collections costs pursuant to this Agreement.

Default

If any of the following events of default occur, the obligations of the Borrower to SMECreditPro shall become due immediately, without demand or notice:

• the failure of the Borrower to pay any accrued interest. interest tax, and fees when due;
• the failure of the Borrower to pay the principal when due;
• the liquidation, dissolution, incompetency or death of the Borrower;
• the insolvency of the Borrower; or
• any misrepresentation by the Borrower for the purpose of obtaining or renewing credit.

Electronic Communications

When you visit the Site, send emails, SMS or WhatsAPP messages to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email, SMS, WhatsApp or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically or posted on the Site satisfy any legal requirement that such communications be in writing if such requirements are applicable.

The Security of the Site

We maintain physical, electronic, and procedural safeguards and personnel policies, consistent with applicable laws that are designed to guard the Site, our systems and Information provided by our Users. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. In the event of a breach of the confidentiality or security of your personal information, we will reasonably attempt to notify you as necessary so you can take appropriate protective steps. Unless you indicate otherwise, we may notify you under such circumstances using your most current email address on record with us

Disclaimer

SMECreditPro shall not be responsible for any loss suffered by you should the system be interfered with or be unavailable by reason of circumstance not within our control including, without limitation, force majeure, interruption, delay or non-availability of our system, terrorist, loss of power, adverse weather or atmospheric conditions, and failure of any public or private telecommunications system

Contact Us

If you have any questions about this Terms, please contact us at info@smecreditpro.com Where you know or suspect that any unauthorised person has access to your Account login details or Account, you should immediately notify SMECreditPro at info@smecreditpro.co or Call +237 650 661 491.