Terms and Conditions

1. IN RESPECT OF THESE TERMS OF USE

We respectfully request that you review these terms of use with care. By registering for or utilizing any aspect of the Jollof Cash service, you acknowledge that you have read, understood, consented to, and accepted these Terms of Use. These Terms of Use encompass both an electronic financial service and an end-user licensing agreement. Access to or use of any portion of the site is prohibited if you do not consent to be bound by these Terms of Use. You, as an individual user ("you" or "your"), and Jollof Cash ("we," "us," or "our") have a legally enforceable agreement in these Terms of Use.

The date of promulgation is the effective date of these Terms of Use and any subsequent revisions or amendments.

2. YOUR OBLIGATIONS AND WARRANTIES

By signing this document, you acknowledge and embrace the following:

2.1 You are legally entitled to approve these Terms of Use, to be bound by them, and to fulfill your responsibilities in accordance with them.

2.2 You acknowledge and consent to the stringent observance of these Terms of Use and all relevant laws. Furthermore, you acknowledge that it is your obligation to inform us of any infractions of the aforementioned regulations.

2.3 The system and service must be utilized exclusively for legitimate purposes and in accordance with their intended purpose.

2.4 You are responsible for ensuring that all personal information, records, and credentials you provide to us or through the system are accurate, current, complete, and free of fraud.

2.5 Access is restricted to accounts and internet access locations that have been granted authorization.

2.6 You are prohibited from engaging in any form of dishonesty, duplicity, or deception.

2.7 It is strictly prohibited to disrupt or jeopardize the network to which the system is connected and operates.

3. AGREE TO THESE TERMS OF USE

3.1 By downloading, streaming, or creating an account with us, you acknowledge that you have read and comprehended these Terms of Use in their entirety, as they may be updated by us from time to time. The app and account's functionality and use will be regulated by these terms.

3.2 Upon installing the App and selecting the "Accept" icon on our system, you will be deemed to have accepted these Terms of Use and to be bound by them.

3.3 By installing the application and establishing an account, you acknowledge and consent to the Terms of Use, which regulate the operation of the account. Additionally, you affirm that this agreement does not affect any other legal or equitable rights we may have with respect to the account.

3.4 We reserve the right to modify these terms at any time. You confirm your acceptance of these modifications and their terms by continuing to utilize the service. Changes will be communicated to you in a manner that is both reasonable and acceptable.

3.5 The website may occasionally provide enhancements to the application. You may be unable to access the service until you have downloaded or streamed the most recent version of the App and have agreed to any supplementary terms and conditions of these Terms of Use, depending on the update.

3.6 By utilizing the App or any of the services, you consent to the collection and utilization of technical information regarding the mobile device and its associated hardware, software, and accessories for the purpose of providing wireless or internet-based services. The utilization of this data enhances our product and service offerings. In order to enhance our service, your app experience, and/or our credit scoring services, you grant us, our affiliates, and licensees permission to transmit, collect, retain, process, and use your data.

3.7 In the event that we are unable to contact you via other means or if we have not yet received payment for the loan mentioned in this Clause 9, you expressly grant us permission to contact you and your emergency contact, provided that they have given their assent, to verify your information.

4. THE MANNER IN WHICH YOU USE THE

4.1 Our service is exclusively available to individuals who are eighteen years of age or older. We reserve the right to contact the appropriate mobile money provider in order to confirm the validity and current status of your mobile money account.

4.2 The application will notify you of the acceptance of your account application. You hereby acknowledge and agree that the approval of your account application does not establish a contractual relationship between you and the mobile money providers, with the exception of any terms and restrictions that may sporadically apply to your mobile money account.

4.3 We reserve the right to deny or withdraw your loan application at any time, without providing you with a reason or advance notice, at our sole and final discretion.

4.4 We reserve the right to approve, deny, or modify the terms of any loan in light of our ongoing evaluation of your credit profile. The interest and parameters of each loan application will be displayed on the application.

5. THE FORM OF SYSTEM OPERATIONS THAT YOU PERFORM

Each right is both granted and reserved.

5.1 We and our licensors (if any) grant you a revocable, limited, non-exclusive, non-transferable, royalty-free license to access and use the system exclusively for your personal use in order to enjoy the service that we provide, subject to your compliance with these Terms of Use and the territory.

5.2 We and our licensors, if any, reserve all rights that are not expressly granted to you under these Terms of Use. By virtue of these Terms of Use, you do not acquire any complete or partial ownership rights to the system.

5.3 It is prohibited for you to:

5.3.1 to make the system accessible to any third party or sell, resell, transfer, assign, distribute, sublicense, or otherwise use it for commercial purposes.

5.3.2 modify or generate derivative works of the system, or access or reverse engineer the primary program;

5.3.3 attempt to obtain unauthorized access to the system or related systems or networks; copy any ideas, features, functions, or graphics from the system; use the system to develop a competing product or service; develop a product using ideas, features, functions, or graphics from the system; or initiate an automated program or script that may make multiple server requests in a single second or that unduly burdens or degrades the system's functionality.

5.3.4 Utilize any software or program to retrieve, index, "data mine," or perform any other form of replication or correction for the system's content, presentation, or navigational structure.

5.3.5 Post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent, or remove any notices of copyright, trademarks, or other proprietary rights from the system.

5.3.6 distribute, store, or otherwise manage any material in order to commit dishonest or unlawful activities;

5.3.7 disseminate unsolicited communications (spam, for instance) or make false promises, infuriate, or irritate;

5.3.8 Disseminate or retain any content that is illegal or tortious, including defamatory, menacing, profane, or infringing information.

5.3.9 disseminate material that contains detrimental computer code, files, scripts, agents, or programs, such as trojan horses, worms, or software infections.

5.3.10 The functionality of the system or its data is affected or disrupted by.

5.3.11 Falsely assert that they are affiliated with an individual or organization;

5.3.12 Intentionally provide a fictitious address; or

5.3.13 generates any significant personal information that could potentially impact our decision to conduct business with you in the future.

5.3.14 tarnish the reputations of our company or any group enterprise;

5.3.15 Attempt to collect or harvest any data or information from our systems or any service, or to decrypt any transmissions to or from the servers that are operating any service.

6. A CATALOGUE OF YOURSELF

6.1 In order to access the system as a user, you must establish and maintain an account as an App user.

6.2 You are accountable for all activities that occur on your account. It is you

6.2.1 Only one account is required.

6.2.2 You are responsible for safeguarding the confidentiality and integrity of the data associated with your account.

6.2.3 It is unlawful for you to grant another individual access to your account or to transfer any data or the account itself.

6.2.4 Please inform us immediately if you suspect that an unauthorized individual has accessed or used your account.

6.3 In addition to our other rights and remedies, we reserve the right to restrict or terminate access to your account and/or the features of the App:

6.3.1 In the event that we determine that you have violated any of these terms of use, we may, in our sole discretion,

6.3.2 during the course of an investigation;

6.3.3 If you are indebted to us or any of our group companies for any amount, including principal, interest, service fees, taxes, or other amounts;

6.3.4 In the event that these Terms of Use are terminated for any reason; or

6.3.5 at any other time, provided that it is consistent with our rational assessment.

7. YOUR QUESTIONS

7.1 You grant us the irrevocable right to respond to any requests you send us or that you may assume are from you by using the system. You agree to be held responsible for any such conduct.

7.2 We reserve the right to reject any request you submit in connection with a loan application, regardless of whether you have previously obtained a loan from us.

7.3 We may accept and act upon any incomplete or ambiguous request, regardless of the reason, if, in our sole discretion, we believe that the information can be resolved without your involvement.

7.4 We will be considered to have acted appropriately and fulfilled all of our obligations to you, even if the request was made, sent, or otherwise communicated in a fraudulent or incorrect manner. You will be held accountable for our responses to requests in good faith as long as you provided us with the necessary instructions.

7.5 We reserve the right to refuse to act on or comply with all or any part of your request until you provide us with additional information or confirmation (whether in writing or otherwise).

7.6 You grant us permission to fulfill all or a portion of your requests, and you consent to the release and indemnification of us from any claims, losses, damages, costs, and expenses that may arise from our fulfillment of your requests or from our failure to exercise the discretion that has been granted to us.

7.7 You acknowledge and consent that we will not be held liable for any unauthorized drawing, transfer, remittance, disclosure, activity, or incident on your account that is the result of your knowledge and/or use or manipulation of your account PIN, password, ID, or any other means, regardless of whether your negligence was the cause. This is in accordance with the fullest extent permitted by applicable law.

7.8 We are authorized to carry out any instructions related to your account that may be mandated by a court order, an agency, or a competent authority in accordance with the relevant law.

In the event of a dispute, these Terms of Use will prevail over any requests you submit.

8. YOUR RESPONSIBILITIES

8.1 You are responsible for maintaining the safety and functionality of your mobile device, as it is essential for accessing the system and the service. You are responsible for this.

8.2 It is your responsibility to guarantee that your mobile device is functioning optimally. We specifically disclaim any responsibility for computer viruses and other issues that may arise from the use of the system, the service, or the mobile device, as well as for any errors or malfunctions that may result from the malfunction of your device. We will not be held responsible for any delays or losses caused by the service provider that provides you with network access, and any associated expenses are your responsibility.

8.3 The application may be accessed via a mobile device. It is your responsibility to ensure that the application you downloaded is compatible with your mobile device. We are not responsible if the app is incompatible with your device or if you do not have the most recent version installed.

8.4 In the event that your mobile device is lost, stolen, damaged, or no longer in your possession and this results in the disclosure of your account information and credentials to a third party or otherwise impacts our legal rights and/or remedies, you are required to promptly notify us and follow our instructions. We will not be held responsible if a third party acquires your account information and credentials. You consent to indemnify us and hold us blameless from any potential losses by utilizing your login credentials and account information.

8.5 You are responsible for selecting an appropriate internet and mobile plan and for paying any fees that your mobile service provider may impose for SMS, internet data, and phone expenses. You acknowledge that the system may consume a substantial quantity of data during your use and agree to cover any associated expenses and usage.

8.6 You are required to comply with all rules, regulations, and instructions outlined in these Terms of Use and any other document that we provide when using the system and the service.

8.7 It is your responsibility to implement all necessary safeguards against any unauthorized use of the system. As a result, it is imperative that you or an individual acting on your behalf promptly verify and verify any correspondence we provide. This will ensure that any unauthorized access or utilization of the system will be identified. You are required to notify us immediately in the event of any of the following:

8.7.1 You have reason to suspect that a transaction may have been fraudulently entered or compromised, and that unauthorized use of the service has occurred, may have occurred, or may occur.

8.7.2 You are responsible for adhering to any security procedures that we may periodically notify you of, as well as any other procedures that may be pertinent to the service. You are aware that the privacy of your account may be at risk if you do not adhere to the recommended security protocols. Specifically, it is your obligation to ensure that only authorized users are able to access the service, submit requests, or perform any related actions.

9. THE TERMINOLOGY OF FINANCE

Service fees and interest

9.1 The application will display the interest that you are required to pay for each loan. During this period, we reserve the right to establish and collect service fees that are associated with your use of the service, as well as to perpetually alter or modify our service costs. The app will display the services if we decide to begin charging for them or if they are already in place and being modified. We will make every effort to inform you of any modifications to the service prices as soon as practicable prior to their implementation. One potential approach to accomplishing this is to notify users of the modifications to the application.

9.2 You agree to pay all monies owed under these Terms of Use in full, free and clear of any deductions or withholdings, and without any setoffs or counterclaims, unless otherwise mandated by law. In order to ensure that we receive the full amount that would have been paid had there been no deduction or withholding, you are required to promptly pay us the corresponding additional amounts each time you are required to deduct or withhold from any payment to us.

9.3 We reserve the right to impose late penalties on the amount that was lent to you if you fail to make any payments that are due by the due date. The app will disclose these penalties in advance.

Taxes

9.4 The calculation of any payments that you are required to make in accordance with these Terms of Use and loan does not consider any taxes that you owe. The additional amount you agree to pay us if taxes are owed in connection with the payment is the payment multiplied by the applicable tax rate. You are required to comply with this requirement, regardless of whether the connection is terminated, in addition to making the payment or providing it at our request.

9.5 By adopting this agreement, you authorize us to deduct funds from your account in the event that we are compelled to do so by law, in compliance with agreements with tax authorities, or to adhere to internal policies or any applicable tax authority order or consequence.

Disbursements

9.6 You consent to utilizing the payment alternatives that are frequently displayed and offered on the App to settle the principle, interest, service fees, and tax associated with these Terms of Use and the loan, either prior to or on the due date.

9.7 Local currency must be used to resolve all transactions conducted within the Territory.

10. MANDATORY

10.1 When you: This event is initiated by default.

10.1.1 Failing to pay any amount or installment (including all accrued interest, service fees, and tax) payable for a loan granted under these Terms of Use for a period of fifteen (15) cumulative days; or being declared bankrupt, unless the nonpayment is solely due to a technical problem or administrative error.

10.2 We may, at any time, without limiting any other right or remedy that may be granted to us under applicable law, after an ongoing event of default occurs:

10.2.1 These Terms of Use will expire in accordance with Clause 11 of this document.

10.2.2 Declare that the loan, as well as any accrued interest, service charges, taxes, and other funds owed under these terms of use, is promptly due and payable and will become so at any moment.

If you are unable to make a payment, we will impose late penalties that will be displayed on the application.

11. TERM AND ENDING

11.1 These Terms of Use will remain in effect until they are terminated in accordance with their terms.

11.2 We reserve the right to terminate these Terms of Use and cease the use of the system, the service, and your account, in whole or in part:

11.2.1 by providing you with notice for any reason at any time;

11.2.2 You will be promptly terminated, with or without notice, if you violate any of these Terms of Use, without affecting our other rights and remedies.

11.2.3 In the event that your mobile network operator or mobile money provider terminates your account or contract for any reason;

11.2.4 When your account is inactive or latent, when technical issues or safety concerns necessitate such a suspension or termination, or when it is necessary to facilitate the frequent updating or enhancing of the service's functionality or contents.

11.2.5 If we are obligated to comply with a directive or are requested to do so by a government, court, regulator, or other appropriate entity, or

11.2.6 In the event that we, at our sole discretion, determine to suspend or terminate the service for any reason, whether commercial or otherwise,

11.3 In the event that these Terms of Use are revoked or expire for any reason, you will be obligated to:

11.3.1 Any unpaid principal, interest, transaction fees, or taxes will be promptly due and payable upon termination.

11.3.2 Delete the application from your mobile device immediately and completely.

11.4 Nevertheless, the termination will not impact the rights or obligations of either party.

11.5 The parties will no longer be obligated to fulfill any rights or responsibilities outlined in the Terms of Use after termination, with the exception of any supplementary clauses that are explicitly or by their very nature intended to persist. These provisions will continue to be in effect after the Terms of Use are terminated, notwithstanding any rights or obligations that each party may have accumulated at the time of termination.

12. EXCLUSIONS TO LIABILITY AND INDEMNITY

Recipients

12.1 By signing this document, you acknowledge that we, our licensors, and the Affiliates of each of these parties, as well as their officers, directors, members, employees, and agents, will be safeguarded and indemnified from any and all claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) that arise from or are related to:

12.1.1 Your failure to comply with any of these terms of use or applicable laws, including the Nigeria Data Protection Act, 2023; and

12.1.2 The manner in which you utilize the system and/or service, including:

12.1.2.1 Any claims made by third parties as a result of your use of the service or system;

12.1.2.2 Any injury or damage that arises from your use, possession, misuse, or neglect of any third-party software, including operating systems, browser software, and other software packages or applications;

12.1.2.3 Any unauthorized access to your account, deletion or access to your data, or any damage, theft, or destruction of your mobile device; and

12.1.2.4 Any loss or damage that we may incur as a result of a transgression of these Terms of Use, including but not limited to third-party systems or facilities that are unavailable or malfunctioning, third parties that submit incorrect information, or third parties that are unable to execute a transaction.

Exclusion of Liability

12.2 We will not be held responsible for any losses you may incur if any of your mobile devices malfunction or if the service is interrupted or unavailable for any reason that is beyond our control, including force majeure or error, system failure due to terrorist or enemy action, power outage, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system.

12.3 The program is intended for personal use only. We are not liable for any lost profits, business interruptions, or lost business prospects, and you acknowledge that the App is not intended for commercial, business, or resale purposes.

12.4 You acknowledge that we are not liable for any losses or damages that are caused by or related to:

12.4.1 any defect or issue with the program or any service that results from your modification or customization of the program;

12.4.2 any application defect or issue that is the result of your violation of these terms of use;

12.4.3 You have contravened clause 6.

12.4.4 Your mobile money account is insufficiently funded.

12.4.5 Your account funds are the subject of a lawsuit or other legal action that restricts payments or transfers; You fail to provide clear and adequate instructions for any payments or transfers related to your account; The system, your mobile device, the network, or a mobile money system malfunctions, fails, is unavailable, or is otherwise disrupted.

12.4.6 any fraudulent or unlawful use of the service, your mobile device, or the system; or

12.4.7 Your failure to comply with these terms of use, as well as any rules or instructions we may have provided you regarding the operation of the system and the service.

12.5 We shall not be held accountable for any indirect or consequential loss or damage of any nature that arises from or is associated with the service, regardless of the cause, even if we are cognizant of the possibility of such loss or damage. Losses and damages are not insured.

12.6 Our maximum aggregate liability with respect to the App, the system, the service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the service fees you paid us in connection with the first event giving rise to a claim under these terms of use, to the extent permitted by applicable law and unless otherwise stated in these terms of use.

12.7 You are required to inform us of any claims you may have against us in relation to the App, the system, the service, or these Terms of Use within six (6) months of the incidents that gave rise to such claims, unless otherwise specified in these Terms of Use. In the event that you fail to comply, you will forfeit any rights and remedies you may have in relation to this claim to the utmost extent permitted by applicable law.

12.8 We expressly disclaim all liability for:

12.8.1 Issues with the communications infrastructure that are beyond our immediate control and may impact the accuracy or timeliness of messages you transmit or the information you access through the app;

12.8.2 Any interruptions or losses in the transmission of messages or content that you access and that are the result of the use of a browser or other third-party software that is not under our control, or from the use of a mobile network service provider or Internet access service provider;

12.8.3 Viruses that may infect your mobile device or other property when you use the app or service or access any of its content;

12.8.4 The unauthorized use or interception of any data or communication prior to its receipt by the application or our servers;

12.8.5 We will not be held liable for any unauthorized use or access to the data we maintain about you or your transactions, to the fullest extent permitted by applicable law, unless such use or access is the result of our negligence, misconduct, or a violation of the laws that protect your data.

12.8.6 Any substance that originates from external sources.

13. THIRD-PARTY SITES AND APPS DISCLAIMER

13.1 The service or the app may contain links and references to other mobile applications or websites that are operated and maintained by third parties ("Third Party Sites or Apps"). The purpose of these links is to serve as a source of information that may be of interest to you. By incorporating hyperlinks to third-party websites or applications, we do not endorse or recommend any products, services, information, ideas, or opinions that may be located there.

13.2 We do not make any explicit or implicit promises or assurances with regard to the veracity, completeness, reliability, or suitability of the content of any third-party websites or applications. We are unable to guarantee that any third-party website or application will not be charged with trademark, copyright, or other forms of infringement. We are unable to guarantee that any third-party website or application is devoid of viruses or other forms of infection.

13.3 You are cognizant of the fact that third-party applications and websites may have privacy policies that differ from ours and may provide less security. You are wholly responsible for the decision to use or access any third-party website or application, as well as to purchase or utilize any products or services that are advertised or provided on the website.

14. AGREE TO RECEIVE DIRECT MARKETING COMMUNICATIONS

You consent to receiving direct marketing communications from us by utilizing the services. If you wish to discontinue receiving marketing communications from us, please specify your preference in the applicable letter.

15. DISPUTE RESOLUTION

15.1 Nigerian law will govern these Terms of Use (as well as any disputes that may arise out of or related to them, including any alleged infraction or challenge to the validity or enforceability of these Terms of Use or any provision hereof) unless your country's laws specify otherwise. If this is the case, the statutes of your jurisdiction will govern these Terms of Use.

15.2 Any disagreement, query, or dispute that arises out of or is related to these Terms of Use will be referred to a single arbitrator for final determination, unless otherwise specified in this document, unless the parties hereto have otherwise agreed. As an alternative, the chairman of the Chartered Institute of Arbitrators' Nigeria Branch ("Institute") may grant any party's request within seven (7) days of the other party notifying the chairman of the disagreement, provided that no such agreement is reached.

15.3 The arbitration will be conducted in Lagos, Nigeria, in accordance with the Nigerian Arbitration and Conciliation Act.

15.4 The arbitrator's decision will be legally binding on the parties to the utmost extent feasible.

15.5 Either party may file a complaint in any manner to obtain interim or conservatory measures, or preliminary injunctive relief, from any court with the requisite authority, until the arbitrator makes a final ruling or award.

16. ENGAGING IN A GLOBAL CONVERSATION

16.1 We will not be held accountable for any performance failure or delay that is caused by circumstances beyond our reasonable control.

16.2 You are prohibited from disclosing any sensitive information regarding our business operations, affairs, clients, customers, or suppliers to any individual at any given time.

16.3 You acknowledge and consent to the fact that we may, at our sole discretion, assign or transfer all or a portion of the creditor's rights to the loan at any time and without prior notice. Your obligations under these Terms will not be affected by the aforementioned Transfer. The payment must be made in accordance with the instructions provided by the application.

16.4 We reserve the right to amend these Terms of Use at our sole discretion. While we will make every effort to inform you of any significant modifications to the Terms of Use, you acknowledge and consent that it is your responsibility to review the Terms of Use on a regular basis. By continuing to utilize the system and service, you will be deemed to have consented to these modifications.

16.5 The rights and remedies of each party under these Terms of Use are cumulative and are not exclusive of the rights and remedies provided by law. They must be explicitly and in writing renounced. If a right is not exercised or is not exercised promptly, it is not considered relinquished.

16.6 These Terms of Use supersede any prior agreements or understandings between the parties regarding the subject matter, and the parties have mutually agreed and comprehended all information contained within them. Furthermore, the parties explicitly disclaim any implied assertions of veracity. The parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use, except as expressly stated in these Terms of Use or as implied by applicable law. Each party hereby irrevocably and unconditionally relinquishes any claims, rights, and remedies that it would have had in the absence of this clause with respect to any of the aforementioned. These Terms of Use do not restrict or exclude liability for fraud or any other liability that is prohibited by applicable law.

16.7 You are prohibited from assigning, sublicensing, transferring, subletting, or otherwise disposing of any of your rights or responsibilities under these Terms of Use without our prior written consent. We may assign, sublicense, transfer, sublet, or otherwise deal with our rights or obligations under these Terms of Use at any time without prior notice or consent, unless otherwise required by applicable law.

16.8 These Terms of Use will continue to be in full force and effect despite the fact that a court or other authorized authority determines that any portion of them is unlawful, void, or unenforceable under applicable law. The applicable portion of these Terms of Use will be replaced with a clause that is legal, enforceable, and equivalent to the removed portion to the greatest extent possible.

16.9 No provision of these Terms of Use may be relied upon or enforced by an individual who is not a party to them.

16.10 We may send an email to the address you provided in your account, post a general notice on the App or the system, or do both in order to inform you. You may inform us by sending an email to trustworthy@jollofcash.com.

16.11 For any inquiries or suggestions regarding the system or service, please contact trustworthy@jollofcash.com via email.

17. THE DISCIPLINARY PROCEDURE FOR CUSTOMER COMMUNICATION AND LOAN COLLECTION

All staff members are required to consistently demonstrate and communicate professionalism and morality when engaging with clients, regardless of whether they are in debt.

Loan collectors, recovery agents, and customer service representatives are prohibited from insulting, abusing, degrading, defaming, or threatening clients and their contacts in any capacity, whether in an effort to collect loans or address complaints. Any employee who engages in any of the activities previously mentioned is acting independently and will be held accountable for the repercussions of their decisions.

18. SERVICE PROMOTION AND ADVERTISING

We are committed to ensuring that all marketing collateral and advertisements comply with the Nigerian Code of Advertising Practice, which is administered by the Advertising Practitioners Council of Nigeria, as well as any other relevant laws and regulations that are currently in effect in the Federal Republic of Nigeria. Additionally, we guarantee that each advertisement will be straightforward, honest, and respectful. Furthermore, these products will be produced in accordance with equitable competition regulations and with a strong sense of social responsibility.

19. UNAUTHORIZED PHONE SALES

We will not engage in unwanted telemarketing unless it is disclosed:

19.1 It is crucial to specify the precise purpose of the communication and the sender or the individual on whose behalf it is being sent from the outset.

19.2 the comprehensive information regarding the product or service that is being discussed;

Furthermore, we will conduct telemarketing in accordance with any "call" or "do-not-call" preferences that the client may have specified during the signing of a service agreement or afterward, as well as any supplementary guidelines that may be issued by a relevant authority from time to time.

In spite of the preceding section, it is imperative that a will guarantee that:

19.3 Consumers are not eligible to receive unsolicited voice communications or brief messaging services without their consent.

19.4 Consumers must have the ability to approve or reject unsolicited voicemails or brief message services at all times.

19.5 In order to provide customers with the flexibility to select the type of unsolicited calls or brief message services they wish to receive or to opt out of receiving any unsolicited voice calls or short message services, we have simplified all of these procedures.

20. PROCEDURES FOR BILLING, CHARGING, COLLECTING, AND CREDITING CONSUMERS

We guarantee that:

20.1 In order to verify the bill, the consumer must have unrestricted access to the information on the bill or elsewhere.

20.2 We will furnish customers with precise, timely, and current information regarding the terms and conditions of the invoice, as well as any pertinent alternatives, upon receipt of a legitimate request.

20.3 It maintains a record of a customer's bill and associated expenses for a minimum of one year (12 months); and

The Licensee's recording and processing systems are referred to as "billing" or "bill" in the interpretation of the obligations outlined in this section.

21. RESOLVING DISAPPOINTMENTS

21.1 We will provide information about our complaint procedures in a variety of media and formats that are readily comprehensible. Additionally, we will periodically publish any additional pertinent information that we discover.

21.2 The material must be readily comprehensible and must contain all pertinent information regarding complaint procedures.

21.3 In addition to offering Alternative Dispute Resolution (ADR), we will establish a complaint management policy that includes a diverse array of effective, user-friendly, and transparent complaint methods.

21.4 We guarantee that consumers will be able to readily determine how to file a complaint.

21.5 The specifications regarding the complaints handling procedures must include information regarding the consumer's right to submit a complaint.

21.5.1 regarding the process for submitting a grievance; and

21.5.2 The types of supporting information, such as documents, that the complainant must include with the complaint.

21.5.3 All grievances will be recorded and addressed in accordance with the current policies and procedures.

22. INCIDENT REPORTING PROCEDURE

We will ensure that the procedures for receiving and managing complaints do not discourage consumers from submitting them. The following procedure will be implemented to address complaints: trustworthy@jollofcash.com

23. A COMMENTARY ON WARRANTIES

We guarantee that any disclaimer included in an advertisement will be comprehensible.

23.1 The disclaimer does not contradict the primary objective or message of the advertisement.

23.2 The disclaimer's content is plain and concise, commensurate with the media or format employed; and

23.3 The advertisement's intended audience or recipient is identified.