Terms of Use

FlipmoCredit increases the likelihood of loan eligibility for individuals.You are in agreement with the terms and conditions outlined below by establishing an account,logging in,downloading and installing the FlipmoCredit,or utilizing the services.

It is imperative that you thoroughly review these terms of use and determine whether they are relevant to your financial situation prior to utilizing the services or creating an account.If you are not in agreement with our policies,you must promptly discontinue your use of the services.

It is essential to conduct routine evaluations of the applications'content in order to remain informed of any modifications to the Terms of Use.The user acknowledges and consents to the revised terms of use by using the services after the modifications have been put in place.

1.SERVICES PROVIDED

You will be granted immediate access to the Services upon completion of the registration and account certification process.If you use our financial services,you are subject to the Terms of Use.Your consent and approval have been obtained.

2.INFORMATION RELATED TO SERVICE CHARGES

You warrant that you are at least eighteen years of age and a resident of Zambia by registering for an account or attempting to access the Services.Your identity document from Zambia remains valid.

3.THE LENDING PROCESS

FlipmoCredit is the exclusive entity with the authority to approve or deny applications for consumer financial services and loans.FlipmoCredit is not liable for any financial losses,missed opportunities,or unfavorable outcomes that may arise as a result of your decision to approve or deny a loan.We are not required to provide a rationale for the credit judgments we issue.

4.IDENTITY AND SAFETY

To gain access to the Services,it is necessary to create an account.During the enrollment procedure,you will be obligated to provide personal information that is current,comprehensive,and accurate.Additionally,it is your responsibility to promptly update any outdated information to ensure that the data in your account is accurate,comprehensive,and current.You are accountable for maintaining the confidentiality of your account information and password.The device limitations that are implemented to access the services and applications are an additional factor to take into account.You are aware that you are accountable for any actions related to your account or password.

5.TRANSFERS AND EXPENSES

The application displays the service fees and any supplementary expenses,such as late payment penalties.You are accountable for all fees and charges that are associated with the services.

6.AVAILABLE THROUGH ADDITIONAL APPS

These guidelines are applicable to the use of other platforms,applications,or services,such as FlipmoCredit,in addition to the Services.You acknowledge and agree to the terms and conditions of any other websites,applications,or services that utilize the Services.By employing the Services on other platforms,applications,or websites,you acknowledge and consent to these Terms of Use.

7.ESSENTIALS OF A UNIQUE SUPPLIER

FlipmoCredit may enter into agreements with external agents,contractors,or service providers to improve operational management or service delivery.This third-party service provider may require access to your personal data,account,and other pertinent information in order to offer FlipmoCredit services.By utilizing the Services,you confirm that you have reviewed this policy and are in agreement with its terms.FlipmoCredit is not accountable for the actions of external service providers,as you are aware.However,FlipmoCredit makes every effort to select reputable vendors who will manage your information in accordance with our privacy statement and the applicable laws.

8.PROTECTION OF INDIVIDUAL DATA AND INFORMATION

Our primary goal is to safeguard the privacy of our customers.As part of our terms of use,we have a privacy policy that regulates the processing of your personal data.You have read and understood our privacy statement.By utilizing our services,you are presumably consenting to the collection,use,and sharing of your personal information in accordance with the terms of this policy.

9.EVALUATE THE BENEFITS OF DISCLOSING PRIVATE INFORMATION

Your utilization of our services has granted FlipmoCredit the authority to collect,manage,retain,and utilize your personal data in accordance with our privacy policy.In order to enhance your experience,comply with legal requirements,and provide our services,we reserve the right to share your personal information with other companies in accordance with our privacy policy.You are aware of this.By registering for an account or using the Services,you acknowledge that you have reviewed,understood,and consented to our Privacy Policy,as required by our Terms of Use.

10.DEBT COLLECTION POLICY AND CUSTOMER COOPERATION COMMITMENT

If you fail to repay FlipmoCredit,they may take legal action to enforce the obligation in accordance with the law.In addition to third-party collection agencies,the collection procedure may also utilize alternative communication channels,such as phone calls,emails,or messaging.In order to expedite the information-gathering or verification process,you authorize FlipmoCredit to contact the individuals you listed as references on your Services application.Your current contact information may be used by FlipmoCredit and other collection agencies to contact you in connection with any outstanding debts.In addition,you consent to work with them to resolve any outstanding disputes.

11.FINISHMENT OF CLIENT SUPPORT AND RESEARCH

We are dedicated to the provision of exceptional services and the timely and effective resolution of any grievances or issues you may have.Compose an email that requests assistance.If you have any questions or concerns about the services or any other aspect of your FlipmoCredit experience,please do not hesitate to contact us at help@flipmocredit.com.Upon receipt of your complaint,a practicable remedy will be developed and implemented.Please include any relevant documents or information that could aid in the resolution of the matter in your email,in addition to a comprehensive explanatory statement of your complaint or issue.

12.OTHER PEOPLE'S ACCESS TO DIGITAL MESSAGES AND OTHER INFORMATION

By providing us with your email address and/or phone number,you consent to the use of our services and the receipt of electronic communications from FlipmoCredit.These communications may contain critical information about your account,transactions,and service utilization,in addition to updates and confirmations.Please be aware of this.You acknowledge that any emails or letters we send you satisfy the legal requirement for written correspondence.

13.INDIRECT LINKS TO OTHER WEBSITES

Hyperlinks to websites,resources,or services operated by other organizations may be present in the application or services.FlipmoCredit's comprehensive disclaimer of liability for any loss or damage that may result from the use of any third-party websites,services,or resources has been reviewed,and you have provided your consent.FlipmoCredit is not responsible for the content,veracity,or utility of websites,services,or materials that are provided by third parties.

14.BENEFITS AND RECOMMENDATIONS

FlipmoCredit may occasionally provide referral programs,special discounts,or other benefits in addition to its current offerings.Supplementary restrictions will be disclosed to participants in the referral program,reward program,or campaign.You agree to the terms and conditions that are in effect at the time by participating in any rewards program,referral program,or campaign.

15.RIGHTS TO ONLINE PROPERTY

FlipmoCredit or its licensors are the exclusive owners of the App,the Services,and any materials,content,or information that we provide.You are prohibited from duplicating,modifying,distributing,or creating new versions of any of the content we provide without our explicit consent.It also acknowledges that you are not the owner of any intellectual property and that you have no legal entitlement to it.

16.INTRODUCTION AND CONCLUSION

We reserve the right to suspend or terminate your account and your use of the Services at any time if we suspect that you have violated any of the rules,in accordance with our Terms of Use,for any reason.You have the option to terminate your account at any time by providing us with written notification.You will be unable to access the services if the application is not promptly withdrawn from your devices.There will be no financial consequences if you continue to owe us money after your termination.

17.RESPONSIBILITY AND DUTY

These services are not provided with any supplementary warranties and are provided"as is"to the greatest extent permitted by law.FlipmoCredit is not liable for the services'complete security,utility,or veracity. Despite acknowledging the potential for such damages,FlipmoCredit disclaims all liability for any specific,grievous,or additional damages that may result from the use or non-use of the services.This includes all FlipmoCredit employees and affiliates.

18.COMPENSATION FOR SERVICES OR WORK

You agree to defend and assist FlipmoCredit and its partners against any claims,damages,or expenses,including legal fees,that arise from your misuse of the Services in the event that you violate the Terms of Use,any laws,regulations,or the rights of others.

19.CHANGES TO THE TERMS OF SERVICE

The following terms and conditions are subject to change at any time.The Apps will promptly implement the new Terms of Use.Routine evaluations of the Terms of Use and maintaining awareness of any modifications are your responsibility.By continuing to utilize the Services,you agree to any future modifications or additions to the Terms of Use.If the new Terms of Use are not acceptable to you,you must promptly stop using the Services and deactivate any associated applications on your devices.

20.LEADERSHIP

You are prohibited from assigning or transferring any of your rights or obligations under these Terms of Use without our prior written consent.We retain the right to transfer our rights and obligations under these Terms of Use to another organization without your consent.This could happen if we merge with another organization,transfer assets,or establish a business partnership.

21.UNEXPECTED AND UNPERCEIVED OCCURRENCES

With the exception of payment requirements,the parties shall not be held accountable for any difficulties or delays in adhering to these terms of use in the event of strikes,natural disasters,governmental mandates,or issues with utilities or communication.

22.REASONS TO OFFICIALLY APPLY FOR EXEMPTION

If you opt to disregard any of these regulations,the individual who intends to enforce them must sign and document your decision.Nevertheless,the inapplicability or enforceability of the Terms of Use is not the sole reason for a party's inability to fulfill its obligations.

23.ACTIVITY

Regardless of whether a judge determines that any portion of these requirements is unlawful,void,or unenforceable,the other provisions will remain binding.Replacement of an unlawful,unenforceable,or invalid provision with a reasonable,lawful,and enforceable provision is the most effective method of faithfully communicating the parties'original intentions.

24.THE ENTIRE AGREEMENT

The regulations outlined in this article supersede any prior verbal or written agreements or conversations regarding this matter.The Privacy Policy and any other explicit policies or guidelines are included in this agreement,in addition to the comprehensive agreement between you and FlipmoCredit regarding the services.

25.A LACK OF RESPECT FOR OTHERS

FlipmoCredit and you are the only parties authorized to exercise the rights and remedies delineated in these Terms of Use.This cannot be achieved by any other business or individual.These terms of usage do not provide any advantages to third parties.

26.OVERVIEW

However,the headings of these usage guidelines are exclusively for the purpose of convenience and do not affect the interpretation or application of any of the rules.

27.INSPECTIONS

Please adhere to the guidelines indicated in these Terms of Use when sending significant correspondence,such as written letters,to the aforementioned email addresses.

28.ARBITRATION AND DISPUTES UNDER PUBLIC LAW

Any disputes or issues that arise from these Terms of Use or the Services will be governed by Zambian law.For the resolution of disputes or claims concerning the Services and these Terms of Use,the exclusive jurisdiction is the courts of Zambia.