Terms of Service for IKASA Nig. LTD.

Effective Date: 1st January 2024

Welcome to IKASA Nig. LTD., your trusted credit/loan agency serving federal and state civil servants, academic institutions, and para-military officials across Nigeria. By using our services, you agree to adhere to the following Terms of Service:

1. Eligibility:

To access and use IKASA Nig. LTD.’s credit/loan services, you must be at least 18 years old and meet our eligibility criteria, which may include employment status, income verification, and creditworthiness.

2. Loan Application and Approval:

• Loan applications are subject to approval based on our assessment of your financial status, employment details, and other relevant factors.
• IKASA Nig. LTD. reserves the right to deny or approve loan applications at our discretion.

3. Responsible Borrowing:

• Borrowers are expected to use the loan funds responsibly and for the intended purposes outlined in the loan agreement.
• Failure to repay loans on time may result in additional fees and impact your credit score.

4. Interest Rates and Fees:

• Interest rates and applicable fees will be communicated during the loan application process.
• Borrowers are responsible for understanding and agreeing to the terms of interest rates and fees associated with their loans.

5. Privacy and Data Security:

• IKASA Nig. LTD. is committed to protecting your privacy. Please refer to our Privacy Policy for details on how we collect, use, and safeguard your personal information.

6. Repayment:

• Borrowers must adhere to the agreed-upon repayment schedule outlined in the loan agreement.
• Any changes to the repayment schedule must be communicated and agreed upon by both parties.

7. Termination of Services:

• IKASA Nig. LTD. reserves the right to terminate or suspend services for users who violate these Terms of Service or engage in fraudulent activities.

8. Amendments to Terms:

• We may update these Terms of Service as needed. Users will be notified of any changes, and continued use of our services implies acceptance of the revised terms.

9. Governing Law:

• These Terms of Service are governed by the laws of Nigeria. Any disputes arising from the use of our services will be resolved through arbitration in Lagos, Nigeria.

10. Contact Information:

For inquiries or concerns regarding these Terms of Service, please get in touch with us at [insert contact details].

Thank you for choosing IKASA Nig. LTD. for your credit/loan needs. By using our services, you acknowledge and agree to abide by these Terms of Service.

Marina, Lagos, Nigeria.
[email protected]