Terms of Service

1. Acceptance of Terms

By accessing or using SAGEF, you agree to comply with and be bound by these Terms of Service ("Terms"). If you do not agree, you may not use our platform or services.

2. Our Services

SAGEF provides quick-access personal and business loans through our online platform. Our services include user registration, loan applications, loan approvals, disbursement of funds, and repayment tracking. We are committed to providing safe, transparent, and customer-friendly financial services.

3. User Responsibilities

• Provide Accurate Information: You must submit truthful and complete information during signup and loan applications.
• Repay Loans on Time: You are legally obligated to repay loans based on the schedule outlined in your loan agreement.
• Maintain Account Security: You are responsible for keeping your login details confidential and for all activities under your account.

4. Loan Terms

All loans are subject to approval. Loan amounts, interest rates, repayment schedules, and fees will be clearly stated in your loan agreement. By accepting a loan, you agree to all conditions stated in that agreement.

5. Prohibited Use of Services

You may not use SAGEF to:

• Submit false or fraudulent loan applications.
• Bypass or interfere with our platform security systems.
• Use borrowed funds for unlawful or prohibited purposes under Nigerian law.

6. Limitation of Liability

SAGEF shall not be held liable for:

• Third-Party Services: Issues arising from banks, payment processors, or external partners.
• Technical Issues: Service disruptions or errors beyond our reasonable control.
• Financial Losses: Any losses resulting from your loan decisions or use of borrowed funds.

7. Late Payments & Defaults

Missing payments may result in late fees, reporting to credit bureaus, collection efforts, and possible legal action. We encourage you to contact us early if you anticipate difficulties with repayment.

8. Account Suspension & Termination

We may suspend or terminate your access if you violate these Terms or your loan agreement. Termination does not release you from any outstanding repayment obligations.

9. Changes to Terms

We may update these Terms periodically. The updated Terms will be posted on this page with a revised "Last Updated" date. Your continued use of our services means you accept the updated Terms.

10. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. All disputes shall be subject to the exclusive jurisdiction of Nigerian courts.

11. Contact Information

If you have questions about these Terms of Service, please contact us at support@savinggrace.com or call us at +234 (0) 123-4567.