We respectfully request that you read these terms of use carefully. By registering for or using any portion of the HawkLeap service, you acknowledge 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 disagree with the terms of use. HawkLeap ("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 is the day these Terms of Use, as well as any subsequent updates or revisions, go into effect.

You attest to your agreement to the following by signing this document:

2.1 By accepting these terms, you agree that you are bound by them and will fulfill your responsibilities in accordance with them.

2.2 After reading these Terms of Use, you agree to abide by them and all applicable laws. Additionally, you are aware that it is your duty 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 login information, supporting documents, and private data you provide to us or through the system are accurate, complete, current, and free of fraud.

2.5 Access is limited to authorized accounts and internet access points.

2.6 You are not permitted to behave dishonestly or otherwise.

2.7 It is strictly prohibited to interfere with or jeopardize the network that the system is connected to and operates on.

3.1 By downloading, streaming, or registering with us, you attest 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 run.

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. Additionally, you attest that this agreement has no bearing on any other legal or equitable rights we might have regarding the account.

3.4 These conditions could alter at any moment. 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 fair and suitable manner.

3.5 The website may occasionally make improvements to the program. Depending on the update, you may need to download or stream the latest version of the App and agree to any updated terms and conditions of these Terms of Use before you can use the service.

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 information enhances the goods and services we offer. 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, collect, store, process, and use your data.

3.7 In the event that we are unable to contact you through other channels or if we have not yet received payment for the loan indicated in this Clause 9, you specifically grant us permission to contact you and your emergency contact, if they have consented, to confirm your details.

4.1 Our service is only available to those who are at least eighteen years old. We reserve the right to contact the appropriate mobile money provider in order to confirm the authenticity and current status of your account.

4.2 The application will inform you of the acceptance or rejection of your account application. You also understand and acknowledge that the approval of your account application does not establish a contract between you and the mobile money providers, with the possible exception of certain limitations and restrictions 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, in 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 solely for your personal use in order to benefit from the service we offer, provided that you abide by the Agreement and these Terms of Use.

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 Trying to obtain unauthorized access to the system or related systems or networks; using the system to create a competing product or service; copying any concepts, features, functions, or graphics from the system; launching an automated program or script that may generate a large number of server requests in a single second or that unnecessarily burdens or hinders the system's functionality; or replicating any of these actions.

5.3.4 Use any software or application to extract, index, "data mine," or recreate the system's display, content, 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, retain, or manage any content in any way to commit an unlawful or immoral conduct;

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 data that contains malicious software, programs, files, agents, scripts, or computer code, such as trojan horses, worms, or software infections.

5.3.10 It disrupts or hinders the operation of the system or its data.

5.3.11 Falsify their connection to a person or organization;

5.3.12 purposefully providing a fictitious address; or

5.3.13 Any significant personal data that may affect our decision to collaborate with you in the future is produced by

5.3.14 harm our company's or any group company's reputation;

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 utilize the system as a user, you must first register and keep up your account as an App user.

6.2 You are accountable for anything that occurs on your account. It's you.

6.2.1 A single account 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 is unlawful for you to give someone else access to your account, any of your 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 maintain the right to restrict or eliminate access to your account and/or the functionality of the App:

6.3.1 If we discover that you have violated any of these terms of use, we have the absolute right 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 owing any kind of payment, including taxes, principle, interest, service fees, 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 take ownership of 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 Regardless of the reason, we may accept and act upon any incomplete or unclear request if we believe, at our sole discretion, that the information may be processed without your involvement.

7.4 We will be considered to have acted properly and met all of our obligations to you, even if the request was made, transmitted, or otherwise expressed in an untruthful or dishonest manner. You will be in charge of our sincere answers to requests if you gave us the proper instructions.

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 allow us to perform all or part of them.

7.7 You understand 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 consistent with the highest sum permitted by the applicable laws.

7.8 We are allowed to follow any instructions pertaining to your account that may be mandated by a court order, an organization, or a competent body in accordance with the existing laws.

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 solely to blame for this.

8.2 It is your responsibility to make sure your mobile device is performing at its best. 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 mistakes or issues brought on by a broken device. Any associated expenses are your responsibility, and we don't cover any losses or delays caused by the service provider that provides your network connection.

8.3 The application can be accessed on a mobile device. Verifying that the downloaded app is compatible with your mobile device is your responsibility. We won't be responsible if the app isn't compatible with your device or if you don't have the latest 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 providing your account information and credentials to a third party, you must get in touch with us right once and follow our instructions. We won't be held responsible if your account information and login credentials are stolen by a third party. By using your login credentials and account information, you agree to hold us harmless and indemnify us for any subsequent damages.

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 lot of data while you are using it, and you agree to pay for any associated expenses and usage.

8.6 You agree to follow all rules, regulations, and instructions in these Terms of Use and any other materials we may provide when using the system and the service.

8.7 It is your responsibility to implement all necessary security measures to stop any unauthorized usage of the system. Therefore, you or a representative must check and confirm any correspondence we send right away. This will ensure that any unauthorized access or use of the system will be identified. If any of the following occurs, you must contact us immediately:

8.7.1 You have reason to suspect that a transaction may have been fraudulently entered or compromised, or that there has been or may be 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 of. You are aware that your account's privacy may be at risk if you don't adhere to the recommended security protocols. You are explicitly responsible for making ensuring that only authorized users are able to use the service, make requests, or carry out any related tasks.

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 create and collect service fees associated with your use of the service, as well as to modify 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. Before they take effect, you will be informed of any changes to the service fees as soon as feasible. One potential method to accomplish this is to inform users of the program's modifications.

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 charge late fees to 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 The amount of any payments you are required to make under these Terms of Use and loan does not include any taxes you owe. If taxes are owed in connection with the payment, you agree to pay us the additional amount multiplied by the applicable tax rate. Whether or not the connection is terminated, you must comply with this requirement in addition to making the payment or providing it at our request.

9.5 By accepting this agreement, you allow 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 decree or penalty issued by 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 total of fifteen (15) cumulative days, or filing for bankruptcy, unless the nonpayment is solely due to an administrative error or technical malfunction.

10.2 Following a continuous default event, we may, at any time, without affecting any additional rights or remedies that may be available to us under the applicable 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, 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 Should your mobile network operator or mobile money provider terminate your account or contract for any reason;

11.2.4 If your account is latent or inactive, if frequent upgrades or enhancements to the service's features or contents are necessary, or if a suspension or termination is necessary due to technical issues or security concerns.

11.2.5 If we are required to abide by a rule by the government, a court, a regulator, or another pertinent entity, or

11.2.6 Should we, at our sole discretion, choose to halt or terminate the service for any reason, whether commercial or otherwise,

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 rights or responsibilities.

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 additional provisions that are specifically or by their very nature intended to remain in effect after termination. These provisions will take effect when the Terms of Use expire, regardless of any rights or obligations that each party may have at that time.

Recipients

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 released from any claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) arising from or related to:

12.1.1 Your disrespect for our usage policies and other 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 third-party lawsuits brought about by your usage of the service or system;

12.1.2.2 Any damage resulting from the ownership, use, misuse, or negligence of third-party software, including operating systems, browsers, and other software packages or applications;

12.1.2.3 Any unauthorized access to your account, loss or access to 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 aren't working properly or aren't available, fraudulent information given by third parties, or third parties that can't finish a transaction.

Exclusion of Liability

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 profits, business interruptions, or missed business opportunities. You are aware that the App is not intended for commercial, business, or resale purposes.

12.4 You acknowledge that we cannot be held liable for any losses or damages resulting from or connected to:

12.4.1 any defect or issue resulting from your modification or personalization 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 money.

12.4.5 A lawsuit or other legal action involving your account funds prevents payments or transfers; You fail to provide sufficient and clear instructions for any account-related payments or transfers; Your mobile device, the network, the system, or a mobile money system malfunctions, fails, is unavailable, or is otherwise interrupted.

12.4.6 engaging in unethical or unlawful use of the system, your mobile device, or the service; or

12.4.7 Your disobedience of these usage rules and any guidance we may have provided on how to use the service and system.

12.5 Even if we are aware that such loss or damage may occur, we will not be held responsible 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 and 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 events 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 relevant law.

12.8 In particular, we disclaim any liability for:

or timeliness of messages you send or the data you receive through the app;

12.8.2 any loss or interruption in the delivery of messages or content that you access due to the use of third-party software—such as a mobile network service provider or Internet access service provider—that is beyond of our control;

12.8.3 potentially harmful viruses that can infect your mobile device or other property while you were using the app or browsing through any of its content;

12.8.4 Any information or correspondence that is utilized or intercepted without permission prior to receiving it by our systems 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 connections to other third-party websites or mobile applications ("Third Party Sites or Apps"). The purpose of these links is to provide you with potentially interesting information. Any products, services, data, ideas, or opinions on other websites or applications that we link to are not endorsed or supported by us.

13.2 We offer no explicit or implicit warranties or guarantees for the correctness, completeness, reliability, and suitability of the content of any third-party websites or applications. We are unable to guarantee that a third-party website or application won't be charged with copyright, trademark, or other infractions. We are unable to ensure that any third-party program or website is virus- or infection-free.

13.3 You are aware that third-party websites and apps can offer less security and have different privacy policies than 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 promoted or advertised 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 referred to a single arbitrator for a final judgment, unless otherwise specified in this document or otherwise agreed to by the parties hereto. In the event that such an agreement cannot be reached, 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 it.

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 degree that it can be put into effect.

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 are not liable for any delays or issues with performance caused by circumstances beyond our reasonable control.

16.2 We must never divulge to third parties any private information pertaining to our business's operations, affairs, clients, customers, or suppliers.

16.3 You acknowledge and agree that we may, in our sole discretion, 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.

16.4 We reserve the right to change these Terms of Use at our sole discretion. You acknowledge and agree that it is your responsibility to regularly review the Terms of Use, even though we will make every effort to inform you of any significant changes. If you continue using the system and service, it will be assumed that you have accepted these changes.

16.5 Any legal remedies are superseded by the cumulative rights and remedies granted to each party under these Terms of Use. They must be explicitly and in writing renounced. If a right is not immediately used or exercised, it is not considered forfeited.

16.6 All previous agreements or understandings pertaining to the subject matter are superseded by these Terms of Use, which the parties have acknowledged and understand. 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 inferred 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 Article with respect to any of the aforementioned. These Terms of Use do not restrict or remove 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 shall remain in full force and effect even in the event that a court or other authorized authority determines that any portion of them is unlawful, invalid, or unenforceable under applicable law. The relevant piece of these Terms of Use will be replaced by a clause that is both legally required and, to the greatest degree possible, equivalent to the removed component.

16.9 None 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. Please email leaphelp@hawkleap-credit.com to let us know.

16.11 If you have any queries or concerns regarding the system or service, please email leaphelp@hawkleap-credit.com.

All staff members are required to act and communicate with professionalism and honesty at all times, regardless of whether a client is in debt or not.

Loan collectors, recovery agents, and customer service representatives are prohibited from using any form of derogatory language, abuse, defamation, or threats against clients and their contacts when attempting to collect loans or addressing complaints. Any employee who engages in any of the previously specified activities does so voluntarily and will be held accountable for the decisions they make.

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 honest, straightforward, and well-considered. 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 The message's precise purpose and the sender or the person on whose behalf it is being sent must be mentioned right away.

19.2 the specifics of the product or service being discussed;

We will also adhere to any "call" or "do-not-call" options that the customer chooses at the time of signing a service agreement or subsequently, in addition to any further guidelines that may occasionally be enforced by a suitable organization.

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 rejected or accepted 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 guarantee that:

20.1 To verify the information on the bill or elsewhere, the customer must have unrestricted access to it.

20.2 We will give clients accurate, timely, and current information on the terms and conditions of the invoice, as well as 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 duties outlined in this section.

21.1 We shall provide our complaint procedures in a variety of clearly comprehensible formats and media. We will also continuously publish any further pertinent content that we come across.

21.2 The text must be simply comprehensible and contain all pertinent information about complaint procedures.

21.3 In addition to offering Alternative Dispute Resolution (ADR), we will develop a complaint management plan that includes a variety of effective, transparent, and easily accessible 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.

21.5.1 Concerning the grievance submission procedure; and

21.5.2 The types of supporting documentation that must be attached to the complaint by the complainant.

21.5.3 All complaints must be recorded and addressed in accordance with the established policies and procedures.

We shall ensure that consumers are not discouraged from submitting complaints by the procedures in place for receiving and addressing them. The protocol leaphelp@hawkleap-credit.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 or content of the advertisement.

23.2 The disclaimer is stated in a clear, concise manner suitable for the format or media being used; and

23.3 The advertisement's recipient or target audience is determined.