Terms of Service

Welcome to the Sawa Pesa application (“we,” “us,” or “this application”). Please carefully read the following Terms of Service before using the application. By accessing or using Sawa Pesa, you agree to comply with these terms.

Acceptance of Terms

By installing or using Sawa Pesa, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with these terms, please do not use this application. Sawa Pesa reserves the right to update or modify these terms at any time without prior notice. Any updates will be posted in the app, and the revised terms will take immediate effect upon publication.

Service Description

Sawa Pesa is a personal loan application offering small loans to eligible users. Through the app, you can:

Apply for loans,

View loan details (e.g., approved amount, repayment schedule),

Manage your repayment.

We reserve the right to modify, temporarily suspend, or permanently discontinue any part of the service without prior notice, for any reason we deem necessary.

User Eligibility

You must be at least 20 years old.

You must have full legal capacity to enter into a binding agreement.

All information you provide (e.g., identification, financial details) must be accurate, truthful, and complete.

If any false or misleading information is discovered, or if the application is misused, we reserve the right to immediately suspend or terminate your access to Sawa Pesa and pursue any applicable legal remedies.

Account Registration and Security

Certain features of the Sawa Pesa app require you to register an account. You agree to:

Provide accurate, up-to-date information at registration,

Keep your login credentials confidential and secure,

Promptly notify us of any unauthorized use or security breaches involving your account.

Sawa Pesa is not liable for any losses you incur because of unauthorized account access if you fail to safeguard your credentials.

Privacy Policy

Your privacy is important to us. Please refer to our Privacy Policy for details on how Sawa Pesa collects, uses, stores, and safeguards your personal data. By using this application, you consent to the processing of your information as described in the Privacy Policy.

Loan Application and Repayment

Loan Application:

When requesting a loan through Sawa Pesa, you must submit the necessary personal and financial information for credit evaluation.

Sawa Pesa will determine whether to approve your application, as well as the loan amount and terms, based on your credit rating and other factors.

Repayment Obligations:

Once approved and disbursed, you are required to repay the loan in accordance with the agreed schedule and method.

Late or missed payments may result in extra charges, adversely affect your credit history, and potentially lead to legal proceedings if not resolved.

Prohibited Activities

You shall not use Sawa Pesa to:

Post or distribute false or deceptive information;

Access or attempt to access other users’ accounts or systems without authorization;

Interfere with or disrupt the normal functioning of the application;

Engage in any unlawful activities;

Breach these Terms of Service or relevant local laws and regulations.

If any prohibited activity is detected, we may suspend or terminate your account immediately and take legal action if necessary.

Intellectual Property

All content, designs, logos, and related materials found in Sawa Pesa are protected by intellectual property rights. Without our prior written consent, you may not copy, modify, publish, transmit, distribute, or otherwise use any content from this application for commercial or non-personal purposes.

Disclaimer

Sawa Pesa is provided on an “as is” and “as available” basis. We make no express or implied warranties regarding the availability, reliability, suitability, or accuracy of information or services provided by this application. We are not liable for any direct or indirect damages resulting from your use of, or inability to use, Sawa Pesa.

Governing Law and Dispute Resolution

These Terms of Service and any disputes arising from them or your use of the application shall be governed by the local laws. Should any conflict occur, we encourage you to first attempt an amicable resolution through our customer support channels. If the dispute cannot be settled informally, either party may submit the matter to the competent courts in the local jurisdiction for a final decision.

Contact Us

If you have questions or require additional information regarding these Terms of Service, please contact us at:

Email: mail@bachchifin.com