Veloci Credit streamlines the procedure of loan application submission for individuals. By creating an account, logging in, downloading and installing the Veloci Credit Apps, or utilizing the Services, you are consenting to these terms.

Before utilizing the services or opening an account, it is essential that you conduct a thorough assessment of these terms of use and determine whether they are pertinent to your financial situation. If you are not in agreement with our policies, you must immediately cease using the services.

In order to be promptly informed of any modifications to the Terms of Use, it is imperative that you consistently monitor the content of the applications. After the services have been modified, the user acknowledges and adopts the revised terms of use by utilizing them.

1. SERVICES AVAILABLE

You will have immediate access to the Services upon the certification of your account and registration. If you elect to utilize our financing services, these Terms of Use will be applicable. You have acknowledged and consented to this.

2. SERVICE PRICES SPECIFIED

By registering for an account or requesting access to the Services, you attest that you are a resident of Zambia and are at least eighteen years old. Your Zambian identification certificate remains valid.

3. METHOD OF LOANING MONEY

Veloci Credit is the sole entity with the authority to approve or deny petitions for consumer finance services and loans. You acknowledge and consent that Veloci Credit is not liable for any unfavorable outcomes, missed opportunities, or other monetary losses that may arise as a result of the decision to approve or reject a loan. We are not required to provide an explanation for the credit decisions we make.

4. SAFETY AND IDENTITY

In order to utilize the Services, it is imperative to establish an account. During the enrollment procedure, it is imperative that you provide accurate, up-to-date, and comprehensive information about yourself. In order to ensure that the information on your account is accurate, comprehensive, and current, you also agree to promptly update any obsolete information. You are responsible for safeguarding the confidentiality of your account information and password. Another factor to consider is the limitation of access to the devices that are utilized to access the services and applications. You are aware that you are responsible for all actions associated with your account or password.

5. COSTS AND REMITTS

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

6. AVAILABLE THROUGH OTHER APPS

These regulations are also applicable if you use Veloci Credit or other platforms, applications, or services, in addition to the Services. You acknowledge and agree to the terms and conditions of any other applications, websites, or services that utilize the Services. By employing the Services on other platforms, websites, or applications, you are consenting to these Terms of Use.

7. INSTRUCTIONS FROM ANOTHER SUPPLIER

Veloci Credit may engage external contractors, agents, or service providers to optimize operational oversight or service delivery. This third-party service provider may need access to your confidential information, your account, and other data in order to provide their services for Veloci Credit. Your consent to this is signified by your utilization of the Services. You acknowledge and consent that Veloci Credit is not liable for the actions of external service providers. Nevertheless, Veloci Credit makes every effort to identify reputable vendors who will responsibly manage your data in accordance with our privacy statement and legal obligations.

8. PRIVATE INFORMATION MAINTAINMENT AND DATA PROTECTION

Your privacy is of the utmost importance to us. Our Privacy Policy, which is a component of these Terms of Use, governs the manner in which we will manage your personal information. You have reviewed our privacy policy and comprehend its terms. By utilizing our services, you are presumed to have consented to the acquisition, use, and sharing of your personal information in the manners outlined in the policy.

9. ACKNOWLEDGE THE SHARING OF PRIVATE INFORMATION

By utilizing our services, you grant Veloci Credit permission to collect, utilize, retain, and manage your personal data in accordance with our privacy statement. In order to improve your experience, fulfill legal obligations, and provide our services, we reserve the right to disclose your personal information to other organizations in accordance with our Privacy Policy. You are cognizant of this. You acknowledge that you have read, comprehended, and agreed to our Privacy Policy, which is a component of our Terms of Use, by creating an account or utilizing the Services..

10. PARTICIPATE IN THE THROWING OF ITEMS

If you fail to reimburse Velocity Credit, they may take legal action to enforce the obligation in accordance with the law. In addition to the utilization of third-party collection agencies, the collection procedure may entail the use of alternative communication methods, such as emailing, messaging, or phone calls. In order to expedite the verification or information-gathering process, you authorize Veloci Credit to contact the individuals you designated as references in your Services application. Veloci Credit and any other collection agencies are authorized to contact you regarding any outstanding debts using your current contact information. Additionally, you consent to collaborate with them in order to resolve any outstanding disputes.

11. PROVIDING CLIENT SUPPORT AND COMPLETING PAPERWORK

We assure you that we will deliver exceptional services and promptly and effectively resolve any complaints or issues you may have. To request assistance, please send an email. Please do not hesitate to reach out to us at help@veloci-credit.com if you have any questions or concerns about the services or any aspect of your experience at Veloci Credit. A viable solution will be devised and implemented upon the receipt of your complaint. Kindly ensure that your email contains a comprehensive account of your complaint or concern, as well as any relevant documentation or information that could be beneficial in resolving the matter.

12. ALLOWING OTHERS TO ACCESS DIGITAL MESSAGES AND OTHER INFORMATION

By providing Veloci Credit with your email address and/or phone number, you are utilizing our services and consenting to receive electronic communications from Veloci Credit. These communications may encompass updates, confirmations, and other critical information, in addition to information regarding your account, transactions, and utilization of our services. Please be aware of this. You acknowledge and agree that any emails or messages we send you satisfy the legal requirement for written correspondence.

13. LINKS TO EXTERNAL WEBSITES

Hyperlinks to websites, services, or resources that are operated by other organizations may be included in the application or services. Veloci Credit's complete disclaimer of liability for any resulting injury or loss that may result from your use of any of the websites, services, or resources provided by third parties is acknowledged and agreed upon by you. Veloci Credit is not liable for the veracity, accessibility, or information of websites, services, or resources that are provided by external entities.

14. BENEFITS AND RECOMMENDATIONS

Veloci Credit may occasionally offer exclusive offers, referral schemes, or other benefits in addition to its services. Notification of any relevant supplementary restrictions will be issued as a consequence of participation in a campaign, referral program, or award. By participating in any rewards program, referral program, or campaign, you consent to the terms and conditions that are in effect at the time.

15. RIGHTS TO INTERNET PROPERTY

Veloci Credit or its licensors retain exclusive control over the App, the Services, and any materials, content, or information we provide. We grant you the right to refrain from duplicating, modifying, distributing, or creating new versions of any content we provide without first obtaining our explicit consent. It is also acknowledged that you are not the proprietor of any intellectual property and have no legal claim to it.

16. THE COMING AND ENDING

In the event that we suspect that you have violated any of the rules, we reserve the right to suspend or terminate your account and your use of the Services at any time and for any reason, in accordance with our Terms of Use. You have the right to provide us with a formal notification at any time if you wish to terminate your account. If the application is not promptly removed from your devices, you will be unable to access the services. If you are in debt to us, your termination will not lead to any financial consequences.

17. RESPONSIBILITY AND PRECAUTIONS

The Services are provided "as is" and without any warranties, to the fullest extent permitted by law. Veloci Credit disclaims all liability with respect to the services' accuracy, accessibility, and complete security. Despite being informed of the potential for such damages, Veloci Credit does not assume any responsibility for any flagrant, particular, or supplementary damages that may arise from the use or inability to use the services. This is applicable to Veloci Credit and all of its employees and associates.

18. COMPENSATION FOR SERVICES OR WORK

You agree to defend and assist Veloci Credit and its partners against any claims, losses, or expenditures, including legal fees, in the event that you violate any laws, regulations, the rights of others, or misuse the Services in violation of the Terms of Use.

19. CHANGE IN SERVICE TERMS

These terms and conditions are subject to change at any time. The modifications to these Terms of Use will be promptly implemented by the Apps. It is your responsibility to conduct regular assessments of the Terms of Use and to remain informed of any modifications. By continuing to utilize the Services, you acknowledge and consent to any potential modifications or additions to the Terms of Use. If the revised Terms of Use are not acceptable to you, you must promptly cease using the Services and deactivate the applicable applications on your devices.

20. WORKOUT MANUAL

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

21. UNFORESEEN AND UNANTICIPATED EVENTS

The parties shall not be held accountable for any complications or delays in adhering to these terms of use that may arise from strikes, natural disasters, governmental mandates, or issues with communication or utilities, with the exception of payment requirements.

22. REASONS FOR FILING AN OFFICIAL EXEMPTION REQUEST

The party that intends to enforce any rule in these Terms of Use that you choose not to comply with must sign and record it. A party is not solely defaulting on any rights or obligations under the Terms of Use as a result of their non-applicability or enforceability.

23. COMPOSIBILITY

The remaining provisions will remain in effect if a court determines that any section of these conditions is unlawful, unenforceable, or unimplementable. In order to be the most accurate representation of the parties' original intentions, a provision that is reasonable, lawful, and enforceable must replace any provision that is illegal, unenforceable, or invalidate.

24. THE ENTIRE AGREEMENT

The regulations outlined in this document supersede any prior written or oral agreements or discussions regarding the subject matter. These agreements encompass the Privacy Policy and any other explicitly stated policies or guidelines, in addition to the entire agreement between you and Veloci Credit regarding the services.

25. LACK OF INTEREST IN OTHERS

Veloci Credit and you are the sole parties with rights and remedies under these Terms of Use; no other individual or company is authorized to do so. These terms of use do not grant any advantages to third parties.

26. ABSTRACT

The headings in these terms of usage are solely intended for the purpose of expediency and do not influence the interpretation or application of any of the regulations.

27. VIEWS

Please adhere to the guidelines indicated in these Terms of Use when sending any written correspondence or other critical communications to the email addresses provided.

28. DISPUTES AND ARBITRATION IN PUBLIC LAW

The interpretation of these Terms of Use and any disputes that may arise from them or the Services will be governed by Zambian law. The courts of Zambia shall be the exclusive forum for resolving any disputes or claims related to the Services or these Terms of Use.