These Terms of Use (“Terms”) govern your use of the CashKolo application and all related services provided by Claritycare NG LTD.

By accessing or using our services, you agree to comply with and be bound by these Terms.

1

Eligibility

Users must be Nigerian citizens aged 18–60 with a valid BVN and active bank account.
2

Loan Application and Approval

Loan eligibility is determined through credit scoring, transaction history, and verification checks.
Approval decisions are automated and final.
3

Interest Rates and Fees

All fees and interest rates are displayed clearly before approval.
We do not charge any hidden or pre-approval fees.
4

Repayment Terms

Users are responsible for timely repayment through the channels provided.
Failure to repay on time may result in penalties or limited future access to credit.
5

Responsible Borrowing

By applying for a loan, you confirm that the funds will be used for legitimate purposes and that you understand your
repayment obligations.
6

Data Privacy and Security

We adhere to the Nigeria Data Protection Regulation (NDPR).
Personal data is used solely for credit assessment, fraud prevention, and regulatory compliance.
We will never sell, lease, or misuse your personal information.
7

Account Suspension or Termination

Claritycare NG LTD reserves the right to suspend or terminate user accounts if fraudulent, abusive, or illegal
activity is detected.
8

Disclaimer

Loan approval and terms are subject to individual eligibility.
We do not guarantee approval for every applicant.
9

Amendments

We may update these Terms from time to time. Users will be notified via the app or website before any material
changes take effect.
10

Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.
Any disputes shall be resolved within the jurisdiction of Nigerian courts.
Your continued use of CashKolo constitutes acceptance of these Terms.

By accessing or using our services, you agree to comply with and be bound by these Terms.

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Claritycare NG LTD
Head Office: 120, AINA STREET, OJODU BERGER, LAGOS STATE, NIGERIA
Email: serve@claritycareng.com
Hotline: +234 7046543930
Business Hours: Monday–Friday, 9:00 AM – 6:00 PM

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