Terms of Service
1. About these Terms of Use
This agreement is a contract between the user (hereinafter referred to as "user" or "you" or "I") and the EasyKash Vip platform ("we" or "our") on related services and other matters, and this agreement has the effect of a contract , applicable to all your activities on the EasyKash Vip platform.
Please be sure to read the following terms carefully before you register as a user of this website. Once registered, you must be bound by the following terms when accepting EasyKash Vip's services. When you register, you promise to have read, understood and accepted all the terms and various rules of this agreement, and promise to abide by Kenya's current laws, regulations, rules and other government regulations. Any violations will lead to any legal consequences. You will independently assume all corresponding legal responsibilities in your own name. If you do not accept or cannot accurately understand any terms of this Agreement, please do not register.
The content of this agreement includes the following terms and various rules that have been published or may be published on this website in the future. All the aforementioned rules are an integral part of the agreement and have the same legal effect as the text of the agreement.
2. Accept terms and conditions
2.1 Before downloading or streaming the application or opening an account with EasyKash Vip, you must carefully read and understand the terms and conditions set forth in this agreement and as amended by EasyKash Vip from time to time (hereinafter referred to as "Terms and Conditions"), EasyKash Vip will Govern the use and operation of the App and the Account.
2.2 After downloading the app, when you click on the "Accept" option on EasyKash Vip, you will be deemed to accept these terms and conditions and will be asked to confirm that you have read, understood and agree to be bound by these terms and conditions. If you do not agree to the terms and conditions, please click on the "Decline" option in EasyKash Vip. Please note that if you decline the terms and conditions, you will not be able to access the service. If you do not agree to the terms and conditions, we will not license the application to you.
2.3 By downloading the app and opening an account with EasyKash Vip, you agree to follow and be bound by the terms and conditions governing the operation of your account, and you acknowledge that the terms and conditions hereof are without prejudice to any other rights EasyKash Vip may have, legal or otherwise aspect account.
2.4 EasyKash Vip may revise or change these terms and conditions from time to time and by continuing to use the Services you agree to be bound by any such revised or changed terms. EasyKash Vip will take all reasonable steps to notify you of any changes.
2.5 Updates may be released to the App from time to time via the website. Depending on the update, you may not be able to use the service until you download or stream the latest version of the app and accept any new terms and conditions.
2.6 By using the application or any service, you agree to our collection and use of technical information about Internet or wireless service-based devices and related software, hardware and peripherals to improve our products and provide you with any services. If you use these services, you consent to us and our affiliates and licensees transferring, collecting, retaining, maintaining, processing and using your data to determine our credit scoring services or to improve our services and/or Your experience when using these services. application.
3. Restrictions on use
3.1 EasyKash Vip only accepts natural persons, legal persons and other organizations with full capacity for civil conduct in Kenya as website users. If you are not eligible, please do not register. EasyKash Vip reserves the right to suspend or terminate user status.
3.2 You promise to legally use the services and website content provided by EasyKash Vip. It is forbidden to engage in any behavior that may violate Kenya's current laws, regulations, regulations and government regulatory documents in EasyKash Vip, or any unauthorized use of this website, such as unauthorized access to EasyKash Vip's undisclosed system, improper use of account passwords and any content on this website, etc.
3.3 User registration refers to the process in which a person who wants to apply to become a user of this website logs in to this website, fills in relevant information as required, and confirms that he agrees to perform this agreement and other relevant user agreements. After you register successfully, you shall not transfer or authorize the EasyKash Vip user name to a third party. EasyKash Vip identifies the user's instructions through the user's registered user name and password. The user confirms that all actions on EasyKash Vip after logging in to this website with the user name and password represent the user himself. The electronic information records generated by the user registration operation are all valid evidence of the user's behavior, and the user shall bear the corresponding legal consequences.
3.4 When registering, you must choose a user name that does not violate laws, regulations and social morality and provide your own real information, and abide by the following requirements:
3.4.1 You must perform real-name registration on this website in accordance with the regulatory requirements of relevant departments, and provide EasyKash Vip with the identity authentication information and materials required for real-name registration.
3.4.2 You must provide true, latest, valid and complete information.
3.4.3 You are obliged to maintain and update the registered user information to ensure that it is true, up-to-date, valid and complete. If EasyKash Vip is unable to provide services or makes any mistakes in providing services due to your failure to update your information in time, you shall not use this as a reason for canceling the transaction or refusing to pay, and EasyKash Vip shall not bear any responsibility, and all consequences shall be borne by you.
3.4.4 If you provide any wrong, false, outdated or incomplete information, or EasyKash Vip suspects that the information is wrong, false, outdated or incomplete based on its independent judgment, EasyKash Vip has the right to suspend or terminate your use of this website Register an account and refuse your use of some or all functions of this website service. In this case, EasyKash Vip does not assume any responsibility, and you agree to bear any direct or indirect expenses or losses arising therefrom.
3.5 When the user decides not to use the registered user name, he should first pay off all payables (including but not limited to loan principal, interest, overdue interest, collection fees, service fees, etc.), and apply to EasyKash Vip for cancellation of the registered user name. After the registered user name is canceled, the contractual relationship between the user and EasyKash Vip regarding this agreement is terminated, and EasyKash Vip is not obliged to retain or disclose any information in the registered account for the user.
3.6 If the user has not used the user's EasyKash Vip login name or other methods approved by EasyKash Vip to log in to this website for 12 consecutive months, EasyKash Vip has the right to cancel all or part of the EasyKash Vip login name and EasyKash Vip account under the user name, and the user will not be able to Then use the login name to log in to this website or use the relevant EasyKash Vip account; if there is a balance in the relevant EasyKash Vip account, the user can transfer it to the user's own bank account with the same name according to the relevant procedures of EasyKash Vip.
4. Obligations of the user
4.1 The user promises that any information submitted to EasyKash Vip is true, valid, complete and accurate. If due to violation of the above commitments, causing losses to third parties such as EasyKash Vip and EasyKash Vip cooperative institutions, the user will bear corresponding responsibilities. If EasyKash Vip finds that you (as a "borrower") are students at school or that the information you provide is false or fraudulent, EasyKash Vip reserves the right to refuse to provide services to you at any time without notifying you.
4.2 The user promises not to make commercial use of any data on this website, including but not limited to using the materials displayed on this website in any way such as copying and dissemination without the prior consent of EasyKash Vip.
4.3 Users must abide by Kenyan laws, regulations, and government regulatory documents when accepting EasyKash Vip services, and must not engage in illegal acts, as follows:
4.3.1 Publish, convey, disseminate, and store content that infringes on the legal rights and interests of others such as intellectual property rights, personal rights, and commercial secrets;
4.3.2 Forging false identities, publishing false information, etc. to mislead or deceive others, or conducting false transactions in violation of the activity rules published on the EasyKash Vip page;
4.3.3 Conduct acts that endanger computer network security. Including but not limited to any viruses, camouflage saboteurs, computer worms, timed program bombs or other computer programs that intentionally destroy, maliciously interfere with, secretly intercept or invade any system, data or personal information contained in the information posted by users;
5. Use of the Services
5.1 The services provided by EasyKash Vip are only available to persons aged 18 and over. EasyKash Vip reserves the right to verify the authenticity and status of your mobile money account with the relevant mobile money provider.
5.2 EasyKash Vip's acceptance of your account application will be displayed on the app. You hereby acknowledge and accept that EasyKash Vip's acceptance of your account application will not create any contractual relationship between you and the mobile money provider beyond the terms and conditions applicable to your mobile money account from time to time.
5.3 EasyKash Vip reserves the right to reject or withdraw your loan application at any stage at its sole discretion without giving any reason or giving any notice.
5.4 EasyKash Vip reserves the right (in its sole discretion) to grant, refuse to grant loans and/or vary the terms of any loan based on its assessment of the creditworthiness of each borrower from time to time. The loan terms and interest rate payable for each loan application will be displayed on the app.
6. Intellectual property rights
Regardless of whether it is expressly stated or not, EasyKash Vip has intellectual property rights (including but not limited to trademark rights, patent rights, copyrights, trade secrets, etc.) to all non-public domain or non-proprietary information content on this website. Information content includes but not limited to text, Pictures, software, audio, video, data, source code, platform architecture, proprietary technology, arrangement of platform screens, web design, etc. Respecting intellectual property rights is the obligation of the user. If there is any violation, the user shall bear legal responsibilities such as damages to EasyKash Vip.
7. Your personal information
You agree and consent to our use and processing of your personal information as set forth in our Privacy Policy here (as we amend from time to time).
8. Your request
8.1 You hereby irrevocably authorize us to act on, and hold you accountable for, all requests we receive from you (or purport to be from you) via the System.
8.2 We reserve the right, in our sole discretion, to refuse any request you make in relation to a loan application, even if we have previously granted you a loan.
8.3 We reserve the right to accept and act on any request, even if it is incomplete or unclear for any reason, if in our absolute discretion we consider that the incomplete or unclear part of the request can be corrected without any reference to Information is necessary for you.
8.4 Notwithstanding that the request may have been falsely or fraudulently initiated, sent or otherwise communicated, we shall be deemed to have acted appropriately and fully discharged all obligations to you and you shall be liable for any Binding to requests to act if we have a good faith belief that such instructions were sent by you.
8.5 We may, in our sole discretion, refuse to act on all or any part of your request pending further inquiry or further confirmation (whether in writing or otherwise) from you.
8.6 You agree and shall hold us harmless from and against all claims, losses, damages, costs and expenses arising out of or in any way related to our action on all or any part of any of your requests. (or failure to exercise) the discretion granted to it.
8.7 You acknowledge that, to the fullest extent permitted by applicable law, we are not responsible for any unauthorized withdrawal, transfer, remittance, disclosure, any activity or incident of any kind that occurs as a result of knowledge and/or use or manipulation of your account. account PIN, password, ID or otherwise, whether caused by your negligence or not.
8.8 We are entitled to enforce any court order or request by a competent authority or agency under applicable law in relation to your account.
8.9 In the event of any conflict between any terms of any request we receive from you and these Terms of Use, these Terms of Use shall prevail.
9. Financial Terms
Interest and Transaction Fees
9.1 The interest payable by you to us on any loan shall be displayed by us on the App. At the same time, we have the right to set and charge transaction fees related to your use of services, and have the right to modify or change our service transaction fees from time to time. If we decide to start charging transaction fees, or change or amend our transaction fees where already applicable, the transaction fee payable for any new service application will be displayed on the App. We will use reasonable endeavors to notify you of any changes related to Transaction Fees within a reasonable period of time prior to implementing such changes, including by displaying a notice of the change on the App.
9.2 All payments by you under these Terms of Use shall be made in full without any set-off or counterclaim, except as required by law to the contrary, and without any deduction or withholding. . If at any time you are required to deduct or withhold any payment to us, you shall promptly pay us the additional amount in order for us to receive what would have been received had such deduction or withholding not been required full amount.
9.3 If you fail to make any payment to us by the payment due date, we shall be entitled to charge a late fee on the amount lent to you at the rate shown in advance on the App.
tax
9.4 All payments by you in connection with these Terms of Use and the Loan are calculated without regard to any taxes payable by you. If there are any taxes associated with the payment, you must pay us an additional amount equal to the payment multiplied by the applicable tax rate. You must do so at the same time as the payment or whenever we make such a request, even after the relationship has ended or terminated.
9.5 You hereby agree and consent if we are required to do so by any tax authority, or are required to do so by law or pursuant to an agreement with any tax authority, or if we are required to comply with internal policies or any applicable order or sanction of a tax authority.
payment method
9.6 Principal, interest, transaction charges and taxes in relation to these Terms of Use and your loan payable to us must be paid by payment method by/on the due date provided and displayed on the App from time to time.
9.7 All payments must be made in the local currency of the region.
10. Default
10.1 An event of default occurs when you:
10.1.1 failure to pay any sum or installment due on a loan granted under these Terms of Use (including all accrued interest, transaction costs and taxes) during an accrued fifteen (15) day period, unless the failure is solely due to caused by: management errors or technical problems; or being declared bankrupt.
10.2 At any time after a continuing event of default, we may, without prejudice to any other rights or remedies granted to us under applicable law:
10.2.1 terminate these Terms of Use in accordance with Clause 11 of these Terms of Use;
10.2.2 represent that the Loan (including all accrued interest, transaction costs, taxes and all other amounts outstanding under these Terms of Use) is immediately due and payable and therefore immediately due and payable;
10.2.3 Provide information on default events to credit agencies. Copies of any adverse information sent to credit bureaus about you and your credit information shall be provided to you upon written request;
10.2.4 Charge you a late fee at the rate displayed on the App, depending on how late you are in payment.
11. Changes and Termination
11.1 EasyKash Vip may terminate or change its business relationship with you and close your account at any time after giving you notice, and in particular, without prejudice to the generality of the above, EasyKash Vip may cancel the credits it has granted and demand repayment Outstanding Amounts Debts arising from such credit within the time period determined by EasyKash Vip.
11.2 Without prejudice to EasyKash Vip rights under Clause 12, EasyKash Vip may, at its sole discretion, suspend or close your account:
11.2.1 If you use your account for unauthorized purposes, or EasyKash Vip detects any abuse/misuse, content violation, fraud or attempted fraud in connection with your use of the Services;
11.2.2 if your account or agreement with the mobile network operator is terminated for any reason;
11.2.3 If EasyKash Vip is required to comply with the orders, instructions or recommendations of the government, courts, regulators or other competent authorities;
11.2.4 If EasyKash Vip reasonably suspects or believes that you have breached these terms and conditions (including failure to pay any loan amount due to you (if applicable)) and you fail to take remedial action (if applicable) within 14 days of rendering the services remedy) by e-mail, text message or other electronic means to notify you of a request to do so;
11.2.5 Suspension or change is required due to technical problems or security reasons; it is convenient to update or upgrade the content or functions of the service from time to time; your account becomes inactive or dormant;
11.2.6 If EasyKash Vip decides to suspend or stop providing the Services for commercial reasons or for any other reason at its absolute discretion;
11.2.7 If you violate any license restrictions or acceptable use restrictions.
11.3 If at any time your Account has a credit balance due to overpayment of the Loan, you may send EasyKash Vip a request to pay such credit balance and EasyKash Vip will refund any such balance to you, less any applicable fees, provided that: This amount is higher than the minimum transfer amount imposed by the relevant mobile money provider.
11.4 However, termination shall not affect any rights and liabilities accrued by either party.
11.5 If EasyKash Vip is notified of your death, EasyKash Vip will not be obliged to allow any operation or withdrawal from your account by anyone, unless you produce a letter of administration from a competent authority or confirmation of grant of administration or confirmation of grant of probate. A legal representative duly appointed by a court of competent jurisdiction.
12. Compensation
For any and all claims, costs, damages, losses, liabilities and expenses (including attorneys' fees and costs arising from or in connection with):
12.1 your breach of any provision of these Terms of Use or any applicable law;
12.2 Your use of the System and/or Services, including:
12.2.1 Any third-party claims arising from your use of the System and/or Services;
12.2.2 any loss or damage that may arise from your use, misuse, abuse or possession of any third-party software (including but not limited to any operating system, browser software or any other software package or program);
12.2.3 any unauthorized access to your account or any breach of security or any destruction of or access to your data or any destruction, theft or damage to any of your mobile devices;
12.2.4 Any loss or damage arising from your failure to comply with these Terms of Use and/or providing incorrect information, or loss or damage arising from the failure or unavailability of third party facilities or systems or the inability of third parties to provide services Any losses that the party processing the transaction or us may suffer as a result of a breach of these Terms of Use.
13. Disclaimer
13.1 EasyKash Vip does not provide any express or implied guarantee for any user and/or any transaction. The various information and materials provided by the trading platform to users are for reference only, and users should make decisions based on their independent judgment. If the user conducts transactions based on this, the risks arising are borne by the user, and the user has no right to make any legal claims against EasyKash Vip. During the course of the transaction, any disputes arising between the parties to the transaction shall be resolved by the parties to the dispute themselves. EasyKash Vip and its shareholders, founders, officers, directors, agents, affiliates, parent companies, subsidiaries and employees cannot fully guarantee the authenticity, adequacy, timeliness, reliability, completeness and validity and disclaim any legal liability arising therefrom.
13.2 Due to the instability of the Internet itself, EasyKash Vip cannot guarantee that the service will not be interrupted. EasyKash Vip shall not be responsible for users or third parties when the system cannot function normally due to relevant conditions, making users unable to use any of the services of this website or using the services of this website. The foregoing conditions include but are not limited to:
13.2.1 The system of this website is down for maintenance.
13.2.2 Data transmission cannot be carried out due to failure of telecommunication equipment.
13.2.3 Interruption or delay of the service of this website due to hacker attacks, technical adjustments or failures of network providers, website upgrades, bank problems and other reasons.
13.3 For reasons beyond the reasonable control of EasyKash Vip, including but not limited to natural disasters (typhoons, earthquakes, tsunamis, floods), strikes or riots, riots, acts of war, government actions, communication or other facility failures, or serious casualties, etc. , causing EasyKash Vip to delay or fail to perform, EasyKash Vip shall not be liable to the user.
13.4 Any loss caused by the user's fault, including but not limited to: wrong decision-making, improper operation, forgotten or leaked password, password cracked by others, computer system used by the user invaded by a third party, when the user entrusts others to act as an agent for transactions Losses caused by malicious or improper operations.
The above 13.5 does not reveal all the risks and market conditions of users trading through EasyKash Vip. Before making a trading decision, users should fully understand the relevant transactions, make prudent decisions, and bear all risks by themselves.
14. Third Party Sites
14.1 The content of EasyKash Vip's website may involve other websites owned, controlled or operated by third parties (hereinafter referred to as "third-party websites"), including links to third-party websites; at the same time, EasyKash Vip will add business partners whenever necessary or publicly branded sites.
14.2 EasyKash Vip is not responsible for the privacy protection measures of all third-party websites.
14.3 EasyKash Vip cannot guarantee and has no obligation to guarantee the authenticity and validity of the information on the third-party website. The user confirms to use the third-party website in accordance with the relevant agreements and rules of the third-party website, not in accordance with this agreement. The content, products, advertisements and any other information of third-party websites are at the user's own judgment and risk, and have nothing to do with EasyKash Vip.
15. Consent to receive direct marketing communications
By using the Services, you agree to receive direct marketing communications from us. If you do not wish to receive marketing communications from us, you may indicate your choice in the applicable message.
16. Dispute resolution
16.1 These Terms of Use (and any and all disputes arising out of or relating to these Terms of Use (including any alleged breach of these Terms of Use or the validity or enforceability of any provision of this challenge)) will be governed by the laws of Kenya, unless the laws of your location require otherwise, in which case these Terms of Use shall be governed by the laws of your location.
16.2 Any dispute, disagreement or question arising out of or in connection with these Terms of Use, unless expressly provided otherwise in these Terms of Use, shall be submitted to a single arbitrator appointed by mutual agreement or by default for final decision. Any such agreement shall be signed by the Chairman of the Kenya Chapter of the Chartered Institute of Arbitrators (“the Institute”), at the request of either party, within seven (7) days after either party has notified the other party of any dispute.
16.3 Such arbitration shall be held in Nairobi and shall be conducted in accordance with the rules of the Arbitration and Mediation Act of Kenya.
16.4 To the extent permitted by law, the arbitrator's decision shall be final and binding on the parties.
16.5 Nothing in this Clause 14 shall limit the right of either party to initiate legal proceedings of any nature to seek preliminary injunctive relief or interim or conservatory measures in any court of competent jurisdiction pending a final decision or award by any arbitrator. free.
17. Overview
17.1 These Terms and Conditions and our Privacy Policy constitute the entire agreement between you and us and supersede and nullify all previous agreements, promises, warranties, warranties, representations and understandings, whether written or oral, between us in relation to its subject matter .
17.2 You acknowledge that in entering into this Agreement you are not relying on any statement, representation, warranty or guarantee (whether inadvertent or negligent) not stated in these Terms and Conditions or our Privacy Policy.
17.3 You and we agree that neither of us shall have any claim based on innocence or negligent misrepresentation or negligent misrepresentation of any statement in this Agreement.
18. Communication between us
18.1 If you wish to contact us in writing, or if any of the conditions in these terms and conditions require you to give us notice, you may send it by email to support@radicredit.com or such email address may be changed from time to time The address communicated to you. We will contact you in writing by e-mail to confirm receipt of this information.
18.2 If we must contact you or give you written notice, we will do so by email or text message to the mobile phone number or email address you provided us in your application request.