1. Introduction
These Terms & Conditions govern your access to and use of the Kredit Global corporate website at https://kreditglobal.com.
By accessing or using the website, you agree to these Terms. If you do not agree, please discontinue use of the website.
For the purposes of these Terms, ‘Kredit Global’, ‘we’, ‘our’ and ‘us’ refer to Kredit Global Limited.
2. About Kredit Global
Kredit Global is a financial technology business focused on expanding access to credit through financing solutions for individuals, entrepreneurs, merchants and businesses.
Our website provides information about our services, which include:
- BizKredit: Business financing for eligible micro, small and medium-sized enterprises.
- Flexbuy: Flexible payment options for eligible consumer purchases.
- SolarKredit: Financing for eligible solar energy systems.
- LeaseKredit: Financing arrangements that support product purchases through participating merchants.
The structure and terms of each product depend on the relevant product agreement and the customer's eligibility.
3. Website Information
We aim to ensure that information on this website is accurate and current. However, general website content is provided for informational purposes and may be updated, corrected or removed.
Unless expressly stated otherwise, information on the website does not constitute a binding financing offer, a guarantee of approval or a commitment to provide credit.
4. Product-Specific Terms
Each Kredit Global product may have separate terms governing applications, financing, payment arrangements, fees, repayments, cancellations, defaults and other obligations.
Where you apply for or use a specific product, you may be required to accept additional terms and provide relevant information.
If these website Terms conflict with a product-specific agreement concerning a financing transaction, the product-specific agreement will govern that transaction to the extent of the conflict.
6. Acceptable Use
You agree not to:
- Use the website for unlawful, fraudulent or misleading purposes.
- Submit false, inaccurate or misleading information.
- Attempt to gain unauthorised access to our systems or another user's account.
- Interfere with the website's security, availability or functionality.
- Introduce malicious software or attempt to compromise our systems.
- Copy, distribute or commercially exploit website content without permission, except as permitted by law.
- Use the website in a way that infringes another person's rights.
We may take reasonable and lawful measures to protect the website and our users against misuse.
7. Intellectual Property
Unless otherwise stated, the website and its content, including text, graphics, logos, designs, images and other materials, are owned by or licensed to Kredit Global.
You may view and use the content for personal or legitimate business information purposes. You must not reproduce, modify, distribute or commercially exploit our materials without prior permission, except where permitted by law.
8. Liability
Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by law.
Subject to applicable law, Kredit Global shall not be liable for losses arising solely from temporary website unavailability, third-party website content or a user's misuse of the website.
Nothing in these Terms removes any rights or remedies that customers have under applicable consumer protection or financial services laws.
9. Privacy
Our Privacy Policy explains how we collect, use, store and share personal information. By using the website, you acknowledge that personal information may be processed as described in that Policy and in accordance with applicable law.
10. Complaints
If you have a complaint about the website or our services, please follow the procedure in our Complaints Procedure, available on the website.
Product-related complaints may also be handled through the applicable product support channels.
11. Changes to These Terms
We may update these Terms from time to time. The latest version will be published on this website with its effective date.
Changes will apply in accordance with applicable law. Any existing financing agreement will continue to be governed by its own terms unless amended lawfully.
12. Governing Law
These Terms are governed by the laws of the Federal Republic of Nigeria, subject to any mandatory laws or protections that apply.
13. Contact Information
- Email:
- info@kreditglobal.com
- Telephone:
- +234 702 943 984
- Address:
- 41, Olorunlogbon, Anthony Village, Lagos State.