Effective Date: September 16, 2023. These terms and conditions ("Terms") govern your use of the SaveMe Loan Website/App (www.savemeloan.com.ng) and the services provided therein. By accessing or using the Website/App, you agree to abide by these Terms. If you do not agree with any part of these Terms, please do not use the Website/App.

1. Eligibility

You must be at least 18 years old and a legal resident of Nigeria to use the Website/App. By using the Website/App, you represent and warrant that you meet these eligibility requirements.

2. User Accounts

2.1. To use certain features of the Website/App, you may be required to create a user account. You agree to provide accurate and complete information during the registration process and to update such information as necessary to keep it current. 2.2. You are responsible for maintaining the confidentiality of your account login credentials, including your password. You are also responsible for all activities that occur under your account. 2.3. You agree not to share your account credentials with others or allow others to access the Website/App using your account.

3. Loan Services

3.1. The Website/App offers loan services, including loan Application, Approval, and repayment processes. The terms and conditions of any loan you obtain through the Website/App will be provided separately and must be agreed to before loan disbursement. 3.2. Collateral Requirements: The specific collateral requirements for each loan product will be outlined in the loan agreement. You are responsible for providing and maintaining the required collateral in accordance with the agreed-upon terms. 3.3. You are responsible for reading and understanding the terms and conditions of any loan agreement and for repaying loans in accordance with the agreed-upon terms.

4. Privacy

4.1. Your use of the Website/App is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Website/App, you consent to our data practices as described in the Privacy Policy.

5. Prohibited Activities

You agree not to: 5.1. Use the Website/App for any illegal or unauthorized purpose. 5.2. Transmit viruses, malware, or any other code of a destructive or disruptive nature. 5.3. Attempt to gain unauthorized access to the Website/App or its related systems and networks. 5.4. Use the Website/App in any manner that could damage, disable, overburden, or impair the Website/App or interfere with other users' use of the Website/App.

6. Intellectual Property

6.1. The Website/App and its content, including but not limited to text, graphics, logos, icons, images, audio, and software, are the property of SaveMe Loan Website/App or its licensors and are protected by intellectual property laws. 6.2. You may not reproduce, distribute, modify, create derivative works of, publicly display, or perform any of the materials contained in the Website/App without our prior written consent.

7. Termination

We reserve the right to suspend or terminate your access to the Website/App at our discretion, without notice, for any reason, including if we believe you have violated these Terms.

8. Changes to Terms

We may update or modify these Terms at any time without prior notice. Continued use of the Website/App after such changes constitutes your acceptance of the revised Terms.

9. Contact Information

If you have any questions or concerns about these Terms or the Website/App, please contact us at info@savemeloan.com.ng.