• People can apply for loans more easily when they have Veridia Fund credit. By registering, logging in, downloading and installing the Veridia Fund credit Apps, or using the services, you accept the terms listed below.

• It is crucial that you carefully review these conditions of use and decide whether they apply to your financial circumstances before using the services or opening an account. You are required to immediately stop using the services if you disagree with our policies.

• To be notified of any changes to the Terms of Use, it is necessary to regularly check the content of the applications. The user accepts and agrees to the updated terms of use by using the services after the modifications.

1. SERVICES OFFERED

After you have registered and your account has been certified, you will have instant access to the Services. If you decide to use our financial services, you will be subject to our Terms of Use. This is something you have accepted and agreed to.

2. RELATIVE INFORMATION TO SERVICE CHARGES

By creating an account or requesting access to the Services, you attest that you are a Zambian resident and at least eighteen years old. Your Zambian identity document is still valid.

3. THE PROCESS OF LENDING

The only organization having the power to accept or reject applications for loans and consumer financial services is Veridia Fund Credit. Any negative consequences, lost opportunities, or other monetary losses resulting from your approval or refusal of a loan are not Veridia Fund Credit's responsibility. We are not obliged to give an explanation for our credit decisions.

4. SAFETY AND IDENTITY

It is required to establish an account in order to use the Services. You will be required to submit current, accurate, and complete personal information during the enrolling process. To guarantee that the data in your account is correct, comprehensive, and up to date, it is also your duty to change any out-of-date information as soon as possible. It is your responsibility to keep your password and account details private. Another thing to think about is limiting access to the devices that are used to access the services and apps. You understand that any activity pertaining to your password or account is your responsibility.

5. EXPENSES AND TRANSFERS

The service fees and any other costs, like late payment penalties, are shown in the application. Any costs and charges related to the services are your responsibility.

6. ACCESSIBLE VIA ADDITIONAL APPS

Along with the Services, these rules also apply to the use of other platforms, apps, or services, such as Veridia Fund credit. The terms and conditions of any other websites, applications, or services that make use of the Services are acknowledged and accepted by you. You accept and agree to these Terms of Use by using the Services on other websites, apps, or platforms.

7. WHAT A UNIQUE SUPPLIER MUST HAVE

Veridia Fund credit may sign contracts with outside agents, contractors, or service providers to enhance operational oversight or service delivery. In order to provide services for Veridia Fund credit, this third-party service provider might need access to your account, private information, and other data. You acknowledge that you have read and agree to this policy by using the Services. Veridia Fund Credit is not responsible for the conduct of outside service providers, as you are aware. However, Veridia Fund Credit does its best to choose trustworthy suppliers who will handle your data in compliance with our privacy policy and legal requirements.

8. PROTECTION OF INDIVIDUAL DATA AND INFORMATION

Our customers' privacy is our top priority. We have a privacy policy that governs how your personal information is handled as part of our terms of use. You have read and understand our privacy statement. It is fair to assume that by using our services, you have given us consent to gather, use, and distribute your personal data in the ways described in this policy.

9. DETERMINE THE IMPORTANCE OF PRIVATE INFORMATION SHARE

According to our privacy policy, Veridia Fund credit has been given authorization to gather, handle, keep, and utilize your personal data as a result of your use of our services. We reserve the right to share your personal information with other businesses in line with our Privacy Policy in order to improve your experience, meet legal requirements, and deliver our services. This is something you know. As required by our Terms of Use, by creating an account or using the Services, you attest that you have read, comprehended, and agreed to our Privacy Policy.

10. CUSTOMER COOPERATION COMMITMENT AND DEBT COLLECTION POLICY

Veridia Fund credit may take legal action to enforce the obligation in line with the law if you don't pay them back. The collection procedure may also involve the use of other contact channels, such phone calls, emails, or messages, in addition to third-party collection agencies. In order to speed up the information-gathering or verification procedure, you give Veridia Fund credit permission to get in touch with the people you listed as references on your Services application. Your current contact details may be used by Veridia Fund credit and other collection agencies to get in touch with you about any unpaid debts. You also agree to cooperate with them to settle any unresolved conflicts.

11. COMPLETION OF RESEARCH AND CLIENT SUPPORT

Along with providing outstanding services, we guarantee that any complaints or problems you may have will be immediately and successfully resolved. Write a request for help by email. Do not hesitate to contact us at enquiry@veridiafund.com if you have any queries or worries regarding the services or any other element of your Veridia Fund credit experience. After your complaint is received, a workable solution will be developed and put into action. Along with a thorough explanation of your complaint or issue, please make sure your email contains any pertinent papers or information that could help resolve the matter.

12. OTHER PEOPLE'S ACCESS TO OTHER INFORMATION AND DIGITAL MESSAGES

By giving us your email address and/or phone number, you agree to receive electronic messages from Veridia Fund credit and to use our services. These emails might include important details about your account, transactions, and use of our services, along with updates and confirmations. Kindly be advised of this. Any emails or letters we send you satisfy the legal requirement for written correspondence, which you agree to.

13. LINKS TO OTHER WEBSITES INDIRECTLY

The application or services may contain hyperlinks to websites, resources, or services run by other organizations. Veridia Fund Credit's full disclaimer of liability for any loss or harm resulting from using any of the third-party websites, services, or resources has been understood and accepted by you. The information, accuracy, and usability of websites, services, or resources offered by outside parties are not under the control of Veridia Fund Credit.

14. ADVANTAGES AND ADVICES

In addition to its present products, Veridia Fund Credit may periodically offer referral programs, exclusive discounts, or other advantages. Participants in a campaign, incentive, or referral program will be informed of any additional restrictions. By taking part in any campaign, referral program, or rewards program, you agree to the terms and conditions that are in force at the time.

15. ONLINE PROPERTY RIGHTS

Veridia Fund credit or its licensors are the only organizations with control over the App, the Services, and any materials, content, or information that we supply. You are not permitted to reproduce, alter, distribute, or produce new versions of any of the content we offer without our express permission. It also admits that you have no legal claim to any intellectual property and that you don't own any.

16. COMMENCEMENT AND END

In accordance with our Terms of Use, we reserve the right to suspend or terminate your account and your use of the Services at any time and for any reason if we suspect that you have broken any of the rules. At any moment, you can choose to close your account by notifying us in writing. If you do not immediately uninstall the application from your devices, you will not be able to access the services. If you still owe us money after your termination, there won't be any financial repercussions.

17. DUE CARE AND ACCOUNTABILITY

To the greatest degree allowed by law, these services are offered "as is" and without any further warranties. The full security, usefulness, and accuracy of the services are not Veridia Fund credit's responsibility. Although Veridia Fund Credit acknowledges the potential for such damages, it disclaims all responsibility for any particular, egregious, or extra damages that might result from using or not using the services. This includes all Veridia Fund credit employees and affiliates.

18. PAYMENT FOR WORK OR SERVICES

If you break the Terms of Use or any laws, regulations, or other people's rights, you consent to help and defend Veridia Fund credit and its partners against any claims, damages, or costs, including legal fees, resulting from your misuse of the Services.

19. MODIFICATION TO THE SERVICE TERMS

The terms and conditions listed below could change at any time. The updated Terms of Use will be immediately applied by the Apps. It is your duty to review the Terms of Use on a regular basis and to stay updated on any modifications. You consent to any future additions or changes to the Terms of Use by still using the Services. You must immediately stop using the Services and remove any related apps from your devices if you disagree with the updated Terms of Use.

20. GUIDE

Without our prior written agreement, you are not permitted to assign or transfer any of your rights or duties under these Terms of Use. Without your permission, we reserve the right to assign our rights and responsibilities under these Terms of Use to another entity. This might occur if we form a business partnership, transfer assets, or merge with another organization.

21. EVENTS THAT ARE UNPERCEIVED AND UNANTICIPATED

The parties shall not be responsible for any difficulties or delays in complying with these terms of use resulting from strikes, natural disasters, government orders, or problems with utilities or communication, except for payment requirements.

22. REASONS TO SUBMIT AN OFFICIAL REQUEST FOR EXEMPTION

If you decide not to abide by any of the rules listed in these Terms of Use, the person who plans to enforce those rules must sign and record the decision. A party's inability to perform its duties is not solely due to the Terms of Use's inapplicability or enforceability.

23. FITNESS

The remaining clauses will still be in place even if a court finds that any part of these criteria is illegal, invalid, or not enforceable. To guarantee that the original intentions of the parties are most properly expressed, a provision that is illegal, unenforceable, or invalid must be replaced with a reasonable, legal, and enforceable provision.

24. THE WHOLE ACCORD

Any previous written or verbal agreements or discussions on the issue are superseded by the regulations described in this article. In addition to the detailed agreement between you and Veridia Fund credit about the services, these agreements also cover the Privacy Policy and any other specifically mentioned policies or guidelines.

25. A LACK OF REGARD FOR OTHERS

The only people who can use the rights and remedies listed in these Terms of Use are you and Veridia Fund credit. No other person or company is allowed to do this. Third parties do not benefit in any way from these terms of use.

26. OVERVIEW

These usage guidelines' headers are just for convenience and have no bearing on how any of the rules are interpreted or applied.

27. ANALYZATIONS

When sending written letters or other important communications to the above email addresses, please follow the instructions outlined in these Terms of Use.

28. PUBLIC LAW ARBITRATION AND DISPUTES

Any disputes arising from these Terms of Use or the Services shall be governed by Zambian law. The Services and these Terms of Use are solely subject to Zambian courts for the resolution of any disputes or claims.