Terms of Service

1. About Our Services

Boost Credit provides digital financial services, including loan application, loan management, repayment management, and related services through our platform.

2. User Eligibility

To use our Services, you must:

• Be at least 18 years old;
• Be a resident of Nigeria;
• Provide accurate and complete personal information;
• Have a valid mobile phone number and bank account;
• Meet our service eligibility requirements.

3. Account Registration

To access certain features, you may need to create an account.

You agree to:

• Provide true, accurate, and complete information;
• Keep your account information updated;
• Maintain the confidentiality of your login credentials;
• Notify us immediately of any unauthorized use of your account.

You are responsible for maintaining the security of your account and for activities conducted through your account.

4. Loan Services

Boost Credit provides digital loan services through its platform. Users may submit loan applications and receive loan offers based on eligibility assessment and credit evaluation.

When applying for a loan, users authorize us to verify the information provided and conduct necessary assessments for loan approval.

Users are responsible for repaying any approved loan according to the agreed loan terms.

5. Loan Information Disclosure

Before accepting a loan offer, Boost Credit will provide users with clear and transparent information about the loan terms, including:

• Loan amount
• Loan term
• Interest amount
• Service fees (if any)
• Late payment charges (if applicable)
• Maximum Annual Percentage Rate(APR)
• Repayment schedule
• Total repayment amount

Users are encouraged to carefully review all loan information before accepting the loan offer. By accepting the loan, users acknowledge and agree to the disclosed loan terms and repayment obligations.

6. User Responsibilities

You agree that you will:

• Use the Services only for lawful purposes;
• Provide accurate information during registration and loan application;
• Repay loans according to agreed repayment schedules;
• Not misuse, modify, or interfere with our application or systems;
• Not submit fraudulent or misleading information.

7. Fees and Payments

Any applicable loan-related fees, interest charges, and repayment obligations will be clearly disclosed before you accept a loan.

You agree to pay all amounts due according to the applicable loan agreement.

8. Data Protection and Privacy

We collect, use, and protect your personal information in accordance with our Privacy Policy and applicable Nigerian data protection laws, including the Nigeria Data Protection Act (NDPA).

Your information may be processed for purposes including:

• Identity verification;
• Loan assessment;
• Fraud prevention;
• Service improvement;
• Compliance with legal and regulatory obligations.

9. Acceptable Use

You must not:

• Use the Services for illegal activities;
• Attempt to gain unauthorized access to our systems;
• Introduce harmful software or interfere with service operations;
• Provide false identity or financial information.

10. Service Availability

We aim to provide reliable Services but do not guarantee that the App will always be available without interruption.

We may update, modify, suspend, or discontinue parts of our Services when necessary.

11. Account Suspension and Termination

We may suspend or terminate your account if:

• You violate these Terms;
• You provide false information;
• You engage in fraudulent activities;
• Required for legal, security, or regulatory reasons.

Upon termination, your obligations under any existing loan agreement remain unaffected.

12. Intellectual Property

All content, trademarks, software, designs, and materials within the App are owned by or licensed to BOOST CREST LIMITED.

You may not copy, modify, distribute, or use our intellectual property without prior written permission.

13. Limitation of Liability

To the maximum extent permitted by applicable law, we are not responsible for losses caused by:

• User-provided incorrect information;
• Unauthorized access resulting from failure to protect account credentials;
• Service interruptions beyond our reasonable control.

14. Changes to These Terms

We may update these Terms from time to time.

Any changes will be posted through the App or other appropriate communication channels. Your continued use of the Services after updates means you accept the revised Terms.

15. Governing Law

These Terms are governed by the laws of the Federal Republic of Nigeria.

Any disputes arising from these Terms shall be handled in accordance with applicable Nigerian laws and legal procedures.

16. Contact Us

If you have any questions about these Terms of Service, please contact us:

Company Name: BOOST CREST LIMITED
Email: help@boostcrest.online
Phone: +2349162826987
Address: 14, ODEWALE STREET,ALAUSA IKEJA.LAGOS, LAGOS STATE, NIGERIA