Welcome to Naa Shika Loans! These Terms of Service outline the agreement between you (the user) and Naa Shika Loans (the company) regarding the use of our digital micro-lending, online payment, and secure money transfer services. By accessing or using our services, you agree to be bound by these terms. Please read them carefully.

1. Eligibility: To use our services, you must be at least 18 years old and have the legal capacity to enter into a contract. You agree to provide accurate and up-to-date information during the registration process.

2. Loan Applications: The loan application process involves providing necessary personal information and agreeing to our loan terms and conditions. You understand and acknowledge that the approval of your loan application is subject to our assessment and eligibility criteria.

3. Responsible Borrowing: As a borrower, you are responsible for ensuring that you can repay the loan amount and adhere to the agreed-upon repayment schedule. Failure to repay on time may result in additional fees, penalties, or impact your credit score.

4. Security and Privacy: We prioritize the security and privacy of your personal information. We implement measures to protect your data and comply with applicable data protection laws. Please refer to our Privacy Policy for more details.

5. Intellectual Property: The content and materials on our website and platform, including logos, trademarks, and text, are protected by intellectual property rights. You agree not to reproduce, distribute, or modify any content without our prior written consent.

6. Limitation of Liability: While we strive to provide accurate and reliable information, we cannot guarantee the accuracy, completeness, or timeliness of the content on our platform. We are not liable for any direct or indirect damages arising from your use of our services.

7. Termination: We reserve the right to terminate or suspend your access to our services at any time and for any reason, including violation of these terms. You may also terminate your account by contacting our customer support.

8. Governing Law: These terms are governed by and construed in accordance with the laws of The Republic of Ghana. Any disputes or claims arising from these terms will be subject to the exclusive jurisdiction of the courts in The Republic of Ghana.

Please note that these terms are subject to change without prior notice. It is your responsibility to review the most recent version of our Terms of Service. If you have any questions or concerns, please contact our customer support for assistance.

Last Updated: July 13th, 2023

By using our services, you acknowledge that you have read, understood, and agreed to these Terms of Service.