We respectfully request that you read these terms of use carefully. By registering for or using any aspect of the Creditjet service, you testify that you have read, understood, accepted, and agreed to these Terms of Use. These Terms of Use apply to both an electronic financial service and an end-user licensing agreement. You are not allowed to access or use any portion of the website if you do not accept the terms of use. Creditjet ("we," "us," or "our") and you, as an individual user ("you" or "your"), enter into a legally binding agreement through these Terms of Use.
The date of promulgation refers to the day on which these Terms of Use and any subsequent updates or modifications go into effect.
By signing this paper, you attest to your acceptance of the following:
2.1 By accepting these Terms of Use, you agree to be bound by them and to fulfill your responsibilities in accordance with them.
2.2 You acknowledge that you have read and agree to abide by these Terms of Use and all relevant laws. You also acknowledge that it is your obligation to inform us of any infractions of the aforementioned guidelines.
2.3 The system and service shall only be utilized for legitimate purposes and in accordance with their declared goals.
2.4 It is your responsibility to ensure that all of the credentials, documents, and personal data you provide to us or through the system are accurate, complete, current, and free of fraud.
2.5 Access is restricted to authorized accounts and internet access places.
2.6 You cannot behave dishonestly, dishonestly, or in any other manner.
2.7 It is strictly prohibited to interfere with or jeopardize the network to which the system is connected and operates.
3.1 By downloading, streaming, or registering with us, you acknowledge that you have read and comprehend these Terms of Use in their entirety. These Terms of Use are subject to change at any moment, at our discretion. These agreements will control how the app and account are used and function.
3.2 After 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 setting up an account, you acknowledge and agree to the Terms of Use, which regulate how the account is used. You further affirm that this agreement has no bearing on any other legal or equitable rights we may have regarding the account.
3.4 These conditions could alter at any time. You confirm that you agree to these modifications and their terms by continuing to use the service. Any modifications will be communicated to you in a reasonable and suitable manner.
3.5 The website may occasionally make enhancements to the application. Until you have downloaded or streamed the most recent version of the App and agreed to any new terms and conditions of these Terms of Use, you may not be able to use the service, depending on the update.
3.6 By using the App or any of the services, you consent to the collection and use of technical information about the mobile device and any associated hardware, software, and accessories for the purpose of providing wireless or internet-based services. Utilizing this data enhances our offerings of goods and services. In order to enhance our service, your app experience, and/or our credit scoring services, you grant us, our affiliates, and licensees permission to send, gather, store, process, and use your data.
3.7 In the event that we are unable to reach you through other methods or if we have not yet received payment for the loan mentioned in this Clause 9, you specifically grant us permission to contact you and your emergency contact, if they have consented, to check your details.
4.1 Our service is only available to individuals who are at least eighteen years of age. We reserve the right to contact the appropriate mobile money provider in order to confirm the validity and current status of your account.
4.2 The application will notify you of the acceptance or rejection of your account application. You also acknowledge and understand that the approval of your account application does not establish a contractual relationship between you and the mobile money providers, with the exception of certain constraints and limits that may occasionally apply to your account.
4.3 Your loan application may be rejected or withdrawn 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 based on our ongoing evaluation of your credit profile. The form will display the terms and interest associated with each loan application.
All rights are 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 own use in order to benefit from the service that we offer, provided that you abide by these Terms of Use and the Agreement.
5.2 We and our licensors, if any, reserve all rights not expressly granted to you under these Terms of Use. These Terms of Use do not grant you any ownership rights, either full or partial, over the system.
5.3 You are prohibited from:
5.3.1 to make the system available to any third party or to sell, resell, transfer, assign, distribute, sublicense, or use in any other way for financial gain.
5.3.2 modify or produce derivative works of the system, or access or reverse engineer the primary program;
5.3.3 attempt to access the system or related systems or networks without authorization; replicate any concepts, features, functions, or graphics from the system; use the system to develop a competing product or service; develop a product that uses concepts, features, functions, or graphics from the system; or launch an automated program or script that may generate a large number of server requests in a single second or that unduly burdens or hinders the system's functionality.
5.3.4 Use any software or application to retrieve, index, "data mine," or perform any other kind of replication or alteration to 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 deal with any content in order to commit an act that is immoral or unlawful;
5.3.7 disseminate unsolicited messages (like spam) or make untrue statements, anger, or irritate;
5.3.8 Disseminate or preserve any illegal or tortious content, including offensive, defamatory, threatening, or infringing information.
5.3.9 disseminate content that contains malicious files, scripts, agents, programs, or computer code, such as trojan horses, worms, or software infections.
5.3.10 It affects or disrupts the functionality of the system or its data.
5.3.11 Falsely state that they are associated with a person or group;
5.3.12 knowingly providing a fictitious address; or
5.3.13 generates any significant personal information that could affect our decision to do business with you in the future.
5.3.14 harm the reputation of our business or any group firm;
5.3.15 Attempt to collect or harvest any data or information from our systems or any service, or attempt to decode any transmissions to or from the servers hosting any service.
6.1 To access the system as a user, you must first create and maintain an account as an App user.
6.2 You are accountable for anything that occurs on your account. It's you.
6.2.1 One account is all that is required.
6.2.2 You are accountable for safeguarding the confidentiality and integrity of the data associated with your account.
6.2.3 It's against the law to provide someone else access to your account, transfer any data, or even the account itself.
6.2.4 Please let us know immediately if you think someone else has accessed or used your account without permission.
6.3 In addition to our other rights and remedies, we retain the right to restrict or eliminate access to your account and/or the features of the App:
6.3.1 In the event that we discover that you have violated any of these terms of use, we reserve the right, at our best judgment, to
6.3.2 while an inquiry is being conducted;
6.3.3 In the event that we or any of our group companies are due payment of any kind, including principal, interest, service fees, taxes, or other amounts;
6.3.4 Should these Terms of Use be terminated for any reason; or
6.3.5 at any other time, provided that it is consistent with our rational conclusion.
7.1 You grant us the inalienable 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 responsible for any such actions.
7.2 We reserve the right to reject any request you make about a loan application, regardless of whether you have already been granted a loan from us.
7.3 We may accept and act upon any incomplete or ambiguous request, regardless of the reason, if we believe, at our sole discretion, that the information may be handled without your involvement.
7.4 We shall be considered to have behaved appropriately and fulfilled all of our obligations to you, even if the request was made, conveyed, or otherwise communicated in an untruthful or dishonest manner. You will be in charge of our sincere answers to requests, provided that you provided us with the necessary guidance.
7.5 We reserve the right to not act upon or comply with all or any part of your request until you provide us with additional information or confirmation (whether in writing or not).
7.6 You agree to release and indemnify us from all claims, losses, damages, costs, and expenses that may arise from our failure to exercise the discretion that has been granted to us or from our fulfillment of your requests if you give us permission to fulfill all or part of them.
7.7 You acknowledge and agree that we will not be held accountable for any unauthorized withdrawal, transfer, remittance, disclosure, activity, or incident on your account that arises from 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 highest sum permitted by the applicable laws.
7.8 We are allowed to carry out any instructions about your account that may be mandated by a court order, an organization, or a qualified body in accordance with the relevant legislation. In the event of a dispute, these Terms of Use will take precedence over any requests you make.
8.1 You are responsible for maintaining the security and functionality of your mobile device, which is required to access the system and the service. You are to blame for this.
8.2 It is your responsibility to make sure your mobile device is performing at its peak efficiency. In particular, we disclaim any responsibility for computer viruses and other issues that may arise during the use of the mobile device, service, or system. Additionally, we disclaim all responsibility for any mistakes or issues that may arise from a malfunctioning device. We are not liable for any delays or losses caused by the service provider that provides you with network connection, and you are also liable for any associated expenses.
8.3 The application can be accessed on a mobile device. It is your duty to make sure the app you downloaded works with your mobile device. We won't be responsible if the app isn't compatible with your device or if you don't have the most recent version installed.
8.4 If your mobile device is lost, stolen, damaged, or no longer in your possession and this impacts our legal rights and/or remedies in any other way, including disclosing your account information and credentials to a third party, you must contact us right once and follow our instructions. We won't be responsible if your account information and login credentials are stolen by a third party. You agree to hold us harmless and indemnify us for any future losses by using your account information and login credentials.
8.5 It is your responsibility to select an appropriate internet and mobile plan and to pay any fees your mobile service provider may impose for SMS, internet data, and phone expenses. You acknowledge that the system may use a large amount of data while you are using it, and you agree to pay for any associated expenses and usage.
8.6 You must follow all rules, regulations, and instructions in these Terms of Use and any other document we provide when using the system and the service.
8.7 You are responsible for implementing all necessary safeguards to stop any unauthorized use of the system. Therefore, every correspondence we provide must be checked and confirmed right away by you or someone acting on your behalf. This will ensure that any unauthorized access or use of the system will be identified. You must contact us immediately if any of the following occurs:
8.7.1 You have reason to suspect that a transaction may have been fraudulently entered or compromised, and there has been, may occur, or may occur unauthorized use of the service.
8.7.2 In addition to any other protocols that may be pertinent to the service, you are responsible for adhering to any security protocols that we may periodically notify you about. You are aware that your account's privacy may be at risk if you don't adhere to the recommended security protocols. Making sure that only authorized users are able to access the service, submit requests, or complete any related tasks is your specific responsibility.
Service fees and interest
9.1 The application will display the interest you are required to pay on each loan. During this period, we reserve the right to establish and collect service fees associated with your use of the service and to alter or permanently alter our service prices. The app will display the services if we decide to charge for them or if they are already available and being modified. You will be informed as soon as feasible of any modifications to the service fees prior to their implementation. One potential method to accomplish this is to inform users of the modifications made to the application.
9.2 You agree to pay all amounts due under these Terms of Use in full, without deductions or withholdings, and without any setoffs or counterclaims, unless the law requires you to do differently. To guarantee that we receive the entire amount that would have been paid had there been no deduction or withholding, you must promptly pay us the appropriate 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 you were lent if you fail to make any payments by the due date. The app will notify users in advance of these fines.
Taxes
9.4 When determining any payments you are required to make in accordance with these Terms of Use and loan, any taxes you owe are not included. In the event that taxes are owed in connection with the payment, you agree to pay us the additional amount multiplied by the applicable tax rate. You must comply with this requirement whether or not the connection is terminated, in addition to making the payment or providing it upon our request.
9.5 By signing this contract, you authorize us to withdraw funds from your account in the event that we are compelled to do so by law, agreements with tax authorities, internal policies, or any directive or penalty from the appropriate tax authority.
Payments
9.6 You agree to use 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 before or on the due date.
9.7 Local currency must be used to settle all transactions within the Territory.
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) due 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 an administrative error or technical issue.
10.2 After a continuous default event, we may, at any moment, without limiting any additional rights or remedies that may be available to us under the relevant law:
10.2.1 These Terms of Use will expire in accordance with Clause 11 of this document.
10.2.2 Declare that the loan, along with any interest, service charges, taxes, and other funds owed under these terms of use, is immediately due and payable and will be so at any moment.
If you are unable to make a payment, we will impose late costs, which will be indicated on the application.
11.1 These Terms of Use shall be in effect until they are terminated in accordance with their terms.
11.2 We reserve the right, in whole or in part, to terminate these Terms of Use and to terminate your account, the system, and the service:
11.2.1 by providing you with notice for any reason at any time;
11.2.2 Without affecting our other rights and remedies, you will be immediately terminated, with or without warning, if you violate any of these Terms of Use.
11.2.3 In the event that your mobile network operator or mobile money provider terminates your contract or account for any reason;
11.2.4 In the event that your account is idle or latent, if a suspension or termination is necessary due to technical issues or security concerns, or if it is necessary to enable frequent upgrades or enhancements to the features or contents of the service.
11.2.5 Should a government, court, regulator, or other appropriate entity mandate that we adhere to a rule, or
11.2.6 If, at our sole discretion, we choose to suspend or terminate the service for any reason, whether commercial or not,
11.3 If for any reason these conditions of use are terminated or expire, you will be held accountable for:
11.3.1 Any unpaid principal, interest, transaction fees, or taxes shall become immediately due and payable upon termination.
11.3.2 Remove the application from your mobile device completely and right away.
11.4 Nevertheless, the termination will not impact either party's obligations or rights.
11.5 The parties shall no longer be obligated to uphold any rights or obligations mentioned in the Terms of Use, with the exception of any extra sections that are specifically or by their very nature intended to remain in effect after termination. These clauses will be in effect when the Terms of Use expire, regardless of any rights or obligations that each party may have accumulated at that time.
12.1 By signing this agreement, 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 shielded and absolved of any and all claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) arising from or related to:
12.1.1 Your failure to adhere to any of these usage guidelines or applicable laws, including the Nigeria Data Protection Act of 2023; and
12.1.2 How you utilize the system or service, including:
12.1.2.1 claims made by third parties as a result of your use of the service or system;
12.1.2.2 Any damage brought on by the ownership, use, misuse, or negligence of any third-party software, including operating systems, browsers, and other software packages or programs;
12.1.2.3 Any unauthorized access to your account, deletion or access of data, or damage, theft, or destruction of a mobile device; and
12.1.2.4 Any loss or damage we may incur as a result of a breach of these Terms of Use, including but not limited to third-party systems or facilities that are unavailable or malfunctioning, third parties that submit false information, or third parties that are unable to execute a transaction.
12.2 We will not be 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 not within our control, including an error or force majeure, a system failure caused by terrorist or enemy activity, a power outage, inclement weather or atmospheric conditions, or a failure of any public or private telecommunications system.
12.3 The program is only intended for personal use. We disclaim all liability for any lost earnings, business interruptions, or missed business opportunities, and you are aware 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 resulting from or connected to:
12.4.1 any defect or issue resulting from your customization or modification of the application or service;
12.4.2 any application defect or issue resulting from your violation of these terms of use;
12.4.3 The sixth clause has been violated.
12.4.4 Your mobile money account does not have enough funds
12.4.5 The system, your mobile device, the network, or a mobile money system malfunctions, fails, is unavailable, or is otherwise disrupted; Your account funds are the subject of a lawsuit or other legal action that restricts payments or transfers; You fail to provide clear and sufficient instructions for any payments or transfers related to your account.
12.4.6 any dishonest or unlawful use of the system, your mobile device, or the service; or
12.4.7 Your disrespect for these terms of use as well as any instructions or guidance we may have provided you regarding the usage of the service and system.
12.5 Even if we are aware that such loss or damage may occur, we will not be held accountable for any indirect or consequential loss or damage of any type that arises from or is related to the service, regardless of the cause. Insurance does not cover losses or damages.
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 specified in these terms of use.
12.7 Unless otherwise specified in these Terms of Use, you have six (6) months from the occurrences giving rise to any claims you may have against us regarding the App, the system, the service, or these Terms of Use to notify us of those claims. If you do not comply, you will forfeit any rights and remedies you may have in relation to this claim to the fullest extent permitted by applicable law.
12.8 In particular, we disclaim any liability for:
12.8.1 Communications infrastructure issues beyond our immediate control that may impact the accuracy or timeliness of messages you send or the information you receive through the app;
12.8.2 Any loss or interruption in the delivery of messages or content that you access that results from utilizing a mobile network service provider, Internet access service provider, or other third-party software that is not under our control;
12.8.3 Potentially harmful viruses that could infect your mobile device or other property when you use the app or browse any of its content;
12.8.4 Any information or correspondence that is utilized or intercepted without permission prior to being received by our servers or the application;
12.8.5 Unless it is due to our negligence, misconduct, or a violation of the laws safeguarding personal data, we will not be held accountable for any unauthorized use or access to the information we maintain about you or your transactions, to the degree permitted by applicable law.
12.8.6 Anything that comes from somewhere else.
13.1 The service or app may contain references to and links to other third-party websites or mobile applications ("Third Party Sites or Apps"). The purpose of these links is to provide you with information that may be of interest to you. Any products, services, data, ideas, or opinions that can be found on third-party websites or applications that we link to are not endorsed or supported by us.
13.2 We make no express or implied claims or guarantees on the correctness, completeness, reliability, or suitability of the content of any third-party websites or applications. We cannot guarantee that any website or application developed by a third party won't be accused of copyright, trademark, or other violation. We are unable to guarantee that any third-party program or website is virus- or infection-free.
13.3 You are aware that third-party websites and applications can offer less security and have privacy policies that differ from ours. You are solely responsible for your 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 promoted on the website.
You consent to receiving direct marketing communications from us by using the services. If you would like to discontinue receiving our marketing messages, please let us know in the appropriate letter.
15.1 Nigerian law will apply to these Terms of Use (and any issues that may arise out of or relate to them, including any claimed infraction or challenge to the legality or enforceability of these Terms of Use or any part hereof), unless your country's laws specify otherwise. If so, the laws of your jurisdiction will apply to these Terms of Use.
15.2 Any disagreement, issue, or dispute arising out of or connected to these Terms of Use will be sent to a single arbitrator for final determination, unless otherwise specified in this document or otherwise accepted by the parties hereto. The chairman of the Chartered Institute of Arbitrators' Nigeria Branch ("Institute") may instead grant any party's request within seven (7) days of the other party notifying the chairman of the disagreement if no such agreement is reached.
15.3 The arbitration will be held in Lagos, Nigeria, in accordance with the Nigerian Arbitration and Conciliation Act.
15.4 The arbitrator's decision shall be legally binding on the parties to the extent that it can be enforced.
15.5 Either party may submit a complaint in any manner to obtain interim or conservatory measures, or preliminary injunctive relief, from any court with the required authority until the arbitrator issues a final judgment or award.
16.1 We shall not be held accountable for any delays or performance issues caused by circumstances beyond our reasonable control.
16.2 You must never give anyone private information regarding our business's operations, affairs, clients, customers, or suppliers.
16.3 You acknowledge and consent that, in our sole discretion, we may 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 application's guidelines.
16.3 You acknowledge and consent that, in our sole discretion, we may 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 application's guidelines.
16.5 The remedies and rights granted to each party under these Terms of Use are cumulative and do not take precedence over those provided by law. They must be explicitly and in writing renounced. If a right is not used or is not used immediately, it is not considered forfeited.
16.6 All of the information in these Terms of Use has been agreed upon and understood by the parties, and they take precedence over any prior understandings or agreements pertaining to the subject matter. Furthermore, the parties expressly disclaim any implied claims of authenticity. 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 expressly specified in these Terms of Use or as implied by relevant law. Each party hereby irrevocably and completely forfeits any rights, remedies, and claims 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 eliminate liability for fraud or any other liability prohibited by applicable law.
16.7 You may not assign, sublicense, transfer, sublet, or otherwise dispose of any of your rights or obligations under these Terms of Use without our prior written consent. We may assign, sublicense, transfer, sublet, or otherwise deal with our rights or responsibilities 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 remain in full force and effect even if a court or other authorized authority determines that any portion of them is unlawful, invalid, or unenforceable under applicable law. The applicable section of these Terms of Use will be replaced with a clause that is both legally binding and, to the greatest degree possible, equivalent to the section that was eliminated.
16.9 No term of these Terms of Use may be relied upon or enforced by a third party.
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 to let you know. You can email chinedu.okafor@creditjet-nigeria.com to let us know.
16.11 If you have any issues or suggestions regarding the system or service, please email chinedu.okafor@creditjet-nigeria.com.
All staff members must consistently demonstrate and communicate professionalism and integrity when engaging with clients, regardless of whether they are in debt.
Loan collectors, recovery agents, and customer service representatives are prohibited from insulting, abusing, demeaning, slandering, or threatening clients and their contacts in any way, whether when attempting to collect loans or managing complaints. Any employee who engages in any of the previously stated activities is doing so voluntarily and will be held accountable for the results of their decisions.
We are committed to ensuring that all marketing materials and advertisements comply with the Nigerian Code of Advertising Practice, which is supervised by the Advertising Practitioners Council of Nigeria, in addition to any other relevant laws and regulations that are currently in effect in the Federal Republic of Nigeria. Additionally, we pledge that each ad will be straightforward, honest, and considerate. Additionally, these products will be produced in accordance with the rules governing fair competition and with a strong sense of social responsibility.
We will not utilize unwanted telemarketing unless it is disclosed:
19.1 It is crucial to specify the communication's precise purpose right away, together with the sender or the person on whose behalf it is being sent.
19.2 the specific details of the product or service being discussed; We will also abide by any "call" or "do-not-call" preferences requested by the customer at the time of signing a service agreement or subsequently, as well as any other guidelines that may occasionally be issued by an appropriate body. In spite of the preceding section, it is imperative that a will guarantee that:
19.3 Customers cannot be sent unsolicited voice calls or short messaging services without their consent.
19.4 Unwanted voicemails or short message services should always be able to be accepted or rejected by customers.
19.5 To provide consumers the flexibility to decide what kind of unsolicited calls or short message services they would like to receive, or to opt out of receiving any unsolicited phone calls or short message services, we have streamlined all of these procedures.
We promise that:
20.1 To check the bill, the customer must have unrestricted access to the information on the bill or elsewhere.
20.2 We will give clients accurate, timely, and current information about the terms and conditions of the invoice, together with any pertinent alternatives, upon receiving a legitimate request.
20.3 It records a client's invoice and associated expenses for a minimum of one year (12 months); and
"Billing" or "bill" refers to the Licensee's recording and processing methods for the purposes of interpreting the responsibilities outlined in this section.
21.1 We shall provide our complaint procedures in a variety of clearly comprehensible formats and media. Additionally, we will regularly publish any additional pertinent content we come across.
21.2 The content must be simply comprehensible and contain all pertinent information on complaint procedures.
21.3 In addition to offering Alternative Dispute Resolution (ADR), we will develop a complaint management strategy that includes a variety of effective, accessible, and transparent complaint methods.
21.4 We guarantee that consumers can quickly learn how to file a complaint.
21.5 The specifications relating to the complaints handling procedures must include information concerning the consumer's right to file a complaint. with relation to the grievance submission process; and
21.5.2 The types of supporting documentation that must be included with the complaint by the complainant.
21.5.3 All complaints must be recorded and addressed in accordance with the current procedures and regulations.
We shall ensure that the procedures for accepting and addressing complaints do not discourage consumers from submitting them. The protocol chinedu.okafor@creditjet-nigeria.com will be used to address any issues.
We guarantee that any disclaimer in an advertisement will be clear.
23.1 The disclaimer does not contradict the primary objective and content of the advertisement.
23.2 The disclaimer is written in a clear, concise manner that is suitable for the format or media being used; and
23.3 The advertisement's recipient or target audience is determined.
