We publish on our website Terms and Conditions (“T&C” OR the “Agreement”) for everyone to see, at any time. By using our site or applying for a SnapCredit product or service, you are agreeing to the terms and conditions set forth below. These Terms and Conditions constitute a legal contract between you and SnapCredit Limited ( “SnapCredit.ng”) and cover all aspects of your use of the SnapCredit website, including all of its pages, and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service we may provide you.
If any of these Terms and Conditions are unclear, please consult a legal expert for clarification
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLYBEFORE ACCESSING OUR SITE AND ANY OF ITS PAGES (COLLECTIVELY, THE “SNAPCREDIT WEBSITE,” “SNAPCREDIT.NG” OR “OUR SITE”).AS A CONDITION TO AND IN CONSIDERATION OF RECEIVING AND ACCESSING SNAPCREDIT’S WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW.
IF YOU DO WISH TO BE BOUND BY THIS AGREEMENT, DO NOT ACCESS SNAP CREDIT’S WEBSITE. IF YOU HAVE ACCESSED OUR SITE, , YOU MUST LEAVE THE SITE NOW. IF AT ANY TIME YOU DO NOT AGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU MUST IMMEDIATELY CEASE AND DESIST YOUR FURTHER USE OF THIS SITE.
THIS AGREEMENT is entered into between Snap Credit Limited and any individual, corporation, association, agency, company, or other entity natural or artificial (hereinafter referred to as “THE USER or YOU”) who accesses or uses this Website
1. Eligibility; Privacy
The products and services offered through our site are not available to persons under the age of 18 or to persons who are not legal residents of Nigeria, by visa or otherwise. BY CLICKING ANY BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE SNAPCREDIT WEBSITE YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF NIGERIA.
2. User’s Responsibilities
You are responsible for providing all hardware, software, telephone or other communication equipment and/or service to connect to the internet and access SnapCredit’s Website and are responsible for all Internet access charges, telephone charges or other fees or charges incurred in connecting to the Internet to access SnapCredit’s Website.
3. User’s Conduct
You agree to access and use our site only for lawful purposes. You are solely responsible for knowledge of and strict adherence to any laws, statutes, rules and regulations now in force or later enacted at a future date.
4. Registration: Accountholder
Certain areas of the SnapCredit website (hereinafter “SnapCredit.ng,” “this Site” or “our Site”) are accessible only to registered accountholders. In order to access the registered-accountholder-only areas of SnapCredit.ng, you will need the username and password you have created. You acknowledge and agree that the use of a username and a password is an adequate form of security.
You are solely responsible for :
A. authorizing, monitoring, controlling access to and maintaining the strict confidentiality of your username and password;
B. not allowing any other person access or to use your username or password;
C. any charges or damages that may be incurred as a result of your neglect to maintain the strict confidentiality of your username and password; and
D. taking prompt action within 24hours of breach of your account to inform SnapCredit in writing of any need to deactivate a username due to security or other concerns. SnapCredit shall not be liable for any harm related to the theft of usernames or passwords, disclosure of usernames or passwords, or your authorization to allow another person or entity to access and use SnapCredit.ng using your username or password.
5. Consent to Be Contacted by Telephone, Email or Postal Mail
By submitting your contact information to us, you expressly consent to be contacted by us via telephone, email or postal mail.
We may need or want to contact you from time to time in connection with your account or any loan for which you have begun or completed the application process on our Website. By registering for a SnapCredit account or beginning an application on our Site for any loan or service, you are consenting to be contacted by us via written notices, email messages, text messages, or telephone, and, in connection with any such telephone calls, you consent to the use of prerecorded/artificial voice messages and/or automatic dialing devices, at any telephone number associated with your SnapCredit account, including mobile telephone numbers that could result in charges to you, or at any email address or mailing address we have for you in our records or from other public and nonpublic databases we may lawfully access. Where allowed by law, we also may contact other individuals who may be able to provide updated employment, location, and contact information for you.
6. Intellectual Property
The SnapCredit website, the content, any materials downloaded, and all intellectual property pertaining to or contained on our Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks and service marks) are owned by SnapCredit or third parties; all right, title and interest therein shall remain the property of SnapCredit and/or such third party owner, as applicable. Your use of this Content shall be governed by applicable copyright and other intellectual propertylaws.
You may not modify, copy or reproduce, transmit, distribute, publish, create, or re-create derivative works from display or otherwise transfer or commercially exploit any of the Content, in whole or in part without the express written consent of SnapCredit first sought and obtained, provided however, that you are authorized solely to view and retain a copy of the pages of the site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images or other materials on this Site for the purpose of transacting business with SnapCredit.. Additionally, you agree that you (i) will not remove or alter any author, trademark or other proprietary notice or legend displayed on this Site (or printed pages produced from this Site), and (ii) will not make any other modifications to any documents obtained from this Site other than in connection with completing information required to transact business with SnapCredit.
7. Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of SnapCredit's Website and systems including but not limited to unauthorized entry into SnapCredit's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by SnapCredit and/or its affiliates.
9. DISCLAIMERS OF WARRANTIES
THE INFORMATION AND THESE MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS", "AS AVAILABLE". SNAPCREDIT DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THEM. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS
10. LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCESHALL SNAPCREDIT, ITS SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, OR ASSIGNS BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING FROM THIS AGREEMENT OR IN CONNECTION WITH THIS SITE OR ITS USE THEREOF OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF SNAPCREDIT OR OUR REPRESENTATIVES, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
You agree to indemnify and hold SnapCredit Limited, its parent, or subsidiary companies and their affiliates, and their respective directors, officers, employees, and agents free from any and all liabilities, claims and expenses arising from any breach of this Agreement, any other policy, your use or access of SnapCredit’s Website or any Internet site linked to or from this Website, or in connection with the transmission of any Content on this Website
12. PROPRIETARY RIGHTS TO SUBMISSIONS
All information submitted to SnapCredit via this site shall be deemed and remain the property of SnapCredit, and SnapCredit shall be free to use, for any purpose, any idea, concept, know-how or technique contained in information a visitor to this site provides SnapCredit through this site. SnapCredit shall not be subject to any obligations of confidentiality regarding any information submitted on our Website, and is free to share such information with third parties including law enforcement agencies as is within the precincts of carrying on SnapCredit’s business except as may be expressly agreed in writing by SnapCredit or as otherwise specifically required by law.
13. RESTRICTION AND PROHIBITION
This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local laws or regulation.
14. ADDITIONAL TERMS
Certain sections or pages on this site may contain additional terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. SnapCredit works hard to offer you products and services that it believes to be useful and reliable; however, SnapCredit does not provide, endorse, or guarantee these unaffiliated third-party products, services, or information nor does it guarantee their accuracy. SnapCredit is not liable for any third party's failure with regard to such advertised products, services, and information
15. Users Outside of Lagos, Nigeria
At the current time, SnapCredit is only available to persons residing in the State of of Lagos, Nigeria. You may not use or export or re-export any portion of this website in violation of any applicable laws or regulations, including, but without limitation to, Nigerian export laws and regulations. SnapCredit makes no representation that the documents, pages, images or other materials or content on this site are appropriate or available for use in jurisdictions outside Lagos, Nigeria.
16. GOVERNING LAW AND JURISDICTION
Use of this site shall be governed by all applicable Laws of the Federal Republic of Nigeria. SnapCredit's corporate offices are located in the state of Lagos. the hereby User hereby consents that in a case of any dispute whatsoever in connection with this Agreement, the High Court of Lagos State shall have exclusive jurisdiction to hear such dispute.