Disclaimer

1. General Information

The information provided on quick-loan.co.ke (the "Website") is for general informational purposes only. All information on the Website is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Website.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of the Website or reliance on any information provided on the Website. Your use of the Website and your reliance on any information on the Website is solely at your own risk.

2. No Financial Advice

The content on this Website does not constitute financial, investment, legal, or professional advice. The information is provided for informational purposes only and should not be relied upon as a substitute for professional financial advice.

Before making any financial decisions, including applying for a loan, you should:

• Assess your personal financial situation carefully
• Consider consulting with a qualified financial advisor
• Understand your ability to repay the loan
• Review all terms and conditions thoroughly
• Consider alternative financing options

We strongly encourage borrowers to only borrow amounts they can comfortably afford to repay.

3. Loan Approval Disclaimer

Submitting a loan application through our Website does not guarantee loan approval. All loan applications are subject to:

• Credit verification and assessment
• Identity verification
• Income verification
• Compliance with lending criteria
• Final approval by the lending partner

We reserve the right to approve, reject, or modify any loan application at our sole discretion. If your application is rejected, we are not obligated to provide specific reasons for the rejection.

4. Interest Rates and Fees

While we strive to provide accurate information about interest rates and fees, the actual rates and charges applicable to your loan may vary based on:

• Your credit profile and history
• The loan amount and duration
• Market conditions
• Regulatory requirements
• Individual risk assessment

All interest rates, fees, and charges will be clearly disclosed in your loan agreement before you accept the loan. We recommend carefully reviewing all costs associated with your loan before accepting the offer.

5. Third-Party Links and Services

Our Website may contain links to third-party websites, services, or resources that are not owned or controlled by quick-loan.co.ke. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

By using our Website, you acknowledge and agree that:

• We are not responsible for the availability or accuracy of third-party content
• We do not endorse or make any representations about third-party websites
• You access third-party websites at your own risk
• You should review the terms and privacy policies of any third-party websites you visit

6. Credit Bureau Reporting

By accepting a loan through our platform, you acknowledge and agree that:

• We will report your loan and repayment information to credit reference bureaus in Kenya
• Your loan performance (positive or negative) will be reflected in your credit report
• Late or missed payments will negatively impact your credit score
• Timely repayments can positively affect your credit history
• Credit bureau reporting is required by law and cannot be opted out of

7. Collection Practices

In the event of loan default or delinquency, we reserve the right to:

• Contact you through phone, SMS, email, or other communication methods
• Engage third-party collection agencies to recover outstanding amounts
• Report the default to credit reference bureaus
• Take legal action to recover the debt
• Add collection fees and legal costs to the outstanding amount

All collection activities will be conducted in accordance with Kenyan laws and regulations.

8. Website Availability

We strive to ensure that our Website is available 24/7, but we cannot guarantee uninterrupted access. The Website may be temporarily unavailable due to:

• Scheduled maintenance and updates
• Technical issues or system failures
• Internet connectivity problems
• Circumstances beyond our control

We are not liable for any loss or damage arising from the unavailability of the Website or any interruption in service.

9. Data Accuracy

While we make every effort to ensure the accuracy of information on our Website, errors may occur. We do not warrant that:

• The Website will be free from errors or omissions
• Information provided is complete, accurate, or up-to-date
• Defects in the Website will be corrected immediately
• The Website or server is free from viruses or harmful components

If you notice any errors or inaccuracies, please contact us so we can correct them.

10. Changes to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice. This includes but is not limited to:

• Loan products and offerings
• Interest rates and fees
• Eligibility criteria
• Website features and functionality
• Terms and conditions

We are not liable to you or any third party for any modification, suspension, or discontinuance of services.

11. Responsible Borrowing

We are committed to responsible lending practices and encourage borrowers to borrow responsibly. Before applying for a loan, please consider:

• Can you afford it? Ensure you can comfortably afford the monthly repayments
• Do you need it? Consider whether the loan is necessary or if there are alternatives
• Have you compared options? Shop around and compare different loan offers
• Do you understand the terms? Make sure you fully understand all terms and conditions
• What if circumstances change? Consider how you would manage repayments if your situation changes

Warning: Borrowing more than you can afford to repay can lead to serious financial difficulties. Missing payments can damage your credit score and result in additional fees and collection actions.

12. Regulatory Compliance

quick-loan.co.ke operates in compliance with Kenyan laws and regulations governing microfinance and lending activities. Our services are subject to:

• The Banking Act
• The Microfinance Act
• The Data Protection Act
• Central Bank of Kenya regulations
• Other applicable Kenyan laws and regulations

However, regulatory requirements may change, and we reserve the right to modify our services to comply with new or amended regulations.

13. Limitation of Liability

To the maximum extent permitted by law, quick-loan.co.ke and its officers, directors, employees, and agents shall not be liable for:

• Any direct, indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Personal injury or property damage
• Errors or omissions in the Website content
• Unauthorized access to or use of our servers or personal information
• Any interruption or cessation of transmission to or from the Website

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

14. Indemnification

By using our Website and services, you agree to indemnify, defend, and hold harmless quick-loan.co.ke and its affiliates from any claims, liabilities, damages, losses, costs, and expenses (including legal fees) arising from:

• Your use of the Website or services
• Your violation of these terms or any applicable laws
• Your violation of any rights of another party
• Any false or misleading information you provide

15. Governing Law

This Disclaimer and your use of the Website are governed by the laws of Kenya. Any disputes arising from or relating to this Disclaimer or the Website shall be subject to the exclusive jurisdiction of the courts of Kenya.

16. Severability

If any provision of this Disclaimer is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the extent necessary to make it valid and enforceable while preserving its intent.

17. Updates to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in our practices, services, legal requirements, or other factors. Any changes will be effective immediately upon posting on the Website with a new "Last updated" date.

Your continued use of the Website after changes are posted constitutes your acceptance of the updated Disclaimer. We encourage you to review this page periodically.

18. Contact Information

If you have any questions, concerns, or feedback regarding this Disclaimer or any aspect of our services, please contact us:

19. Acknowledgment

By using quick-loan.co.ke, you acknowledge that you have read, understood, and agree to be bound by this Disclaimer. If you do not agree with any part of this Disclaimer, you should not use our Website or services.