Acceptance of Terms

By accessing or using the website and services of Andray Finance Limited ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our website or services.

Eligibility

To use our services, you must:

• Be at least 18 years old.
• Be a resident of Nigeria.
• Provide accurate and complete information during registration.

Services

We provide digital lending services, including:

• Loan applications and disbursements.
• Credit assessments and approvals.
• Repayment management.

Loan Terms

• Application: You must submit a complete and accurate loan application.
• Approval: Loan approval is subject to our credit assessment and discretion.
• Repayment: You agree to repay the loan amount, interest, and any applicable fees by the due date.
• Default: Failure to repay may result in penalties, legal action, and reporting to credit bureaus.

User Responsibilities

You agree to:

• Provide accurate and up-to-date information.
• Use our services only for lawful purposes.
• Not engage in fraudulent or illegal activities.
• Protect your account credentials and notify us of any unauthorized access.

Fees and Charges

Our services may include fees such as:

• Interest rates.
• Processing fees.
• Late repayment penalties.

All fees will be disclosed to you before you accept a loan offer.

Intellectual Property

All content on our website, including logos, text, and graphics, is the property of Andray Finance Limited and is protected by intellectual property laws. You may not use, reproduce, or distribute our content without prior written consent.

Limitation of Liability

We are not liable for:

• Any indirect, incidental, or consequential damages arising from your use of our services.
• Losses caused by factors beyond our control, such as network failures or natural disasters.

Termination

We may suspend or terminate your access to our services at any time for violations of these Terms or for any other reason at our discretion.

Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria. Any disputes shall be resolved in the courts of Nigeria.

Changes to Terms

We may update these Terms from time to time. Continued use of our services constitutes acceptance of the revised Terms.

Contact Us

For questions or concerns about these Terms, contact us at:

• Email: support@andrayfinance.com
• Phone: +234 (01) 234 5678
• Address: Ikoyi Road, Lagos - Nigeria