1:"$Sreact.fragment" 2:I[73478,["/_next/static/chunks/44oxwbh__ebkl.js","/_next/static/chunks/41mpijg_f1qf6.js"],"SiteNav"] 22:X 27:X 27:C 0:{"buildId":"malX6DgpTdH9kqyJClWf1","data":[{"rsc":["$","$1","c",{"children":[[["$","a",null,{"href":"#main","className":"sr-only focus:not-sr-only focus:absolute focus:left-6 focus:top-6 focus:z-[60] focus:rounded-full focus:bg-forest focus:px-5 focus:py-3 focus:text-sm focus:text-cream","children":"Skip to content"}],["$","$L2",null,{}],["$","main",null,{"id":"main","children":["$","article",null,{"className":"wrap section","children":[["$","p",null,{"className":"label tick","children":"Ogèdí"}],["$","h1",null,{"className":"display display-lg mt-8 max-w-[20ch]","children":"Terms and Conditions"}],["$","p",null,{"className":"lead mt-8 max-w-[62ch]","children":"These Terms and Conditions govern your access to and use of the Ogèdí Finance website and application, and any loan you apply for through them. Please read them carefully. By registering an account or otherwise using the Platform you agree to be bound by them."}],["$","p",null,{"className":"mt-6 text-sm text-ink/50","children":["Last updated ","16 October 2026"]}],["$","ol",null,{"className":"mt-16 border-t border-line","children":[["$","li","Definitions and interpretation",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[1,"."]}],["$","span",null,{"className":"min-w-0","children":"Definitions and interpretation"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","In these Terms, unless the context requires otherwise:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[1,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"In these Terms, unless the context requires otherwise:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","**“Company”, “we”, “us” and “our”** mean Ogedi Solutions Limited (RC 9829367), a company incorporated in the Federal Republic of Nigeria with its registered office at 95 Okota Rd, Oshodi-Isolo, Lagos, Nigeria, trading as Ogèdí Finance.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"“Company”, “we”, “us” and “our”"}],["$","span","1",{"children":" mean Ogedi Solutions Limited (RC 9829367), a company incorporated in the Federal Republic of Nigeria with its registered office at 95 Okota Rd, Oshodi-Isolo, Lagos, Nigeria, trading as Ogèdí Finance."}]]}]]}],["$","li","**“Platform”** means the website at ogedi.com.ng, the application at app.ogedi.com.ng, and any related service we operate.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"“Platform”"}],["$","span","1",{"children":" means the website at ogedi.com.ng, the application at app.ogedi.com.ng, and any related service we operate."}]]}]]}],["$","li","**“Loan Agreement”** means the written agreement between you and the Company in respect of a particular loan.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium 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2c:I[49675,["/_next/static/chunks/44oxwbh__ebkl.js","/_next/static/chunks/41mpijg_f1qf6.js"],"Reveal"] 2d:I[22016,["/_next/static/chunks/44oxwbh__ebkl.js","/_next/static/chunks/41mpijg_f1qf6.js"],""] 2e:I[97367,["/_next/static/chunks/44oxwbh__ebkl.js"],"OutletBoundary"] 2f:"$Sreact.suspense" 31:I[97367,["/_next/static/chunks/44oxwbh__ebkl.js"],"ViewportBoundary"] 32:I[97367,["/_next/static/chunks/44oxwbh__ebkl.js"],"MetadataBoundary"] 33:I[27201,["/_next/static/chunks/44oxwbh__ebkl.js"],"IconMark"] 34:I[39756,["/_next/static/chunks/44oxwbh__ebkl.js"],"default"] 35:I[37457,["/_next/static/chunks/44oxwbh__ebkl.js"],"default"] 37:I[79520,["/_next/static/chunks/44oxwbh__ebkl.js"],""] :HL["/_next/static/chunks/33gvn5p315314.css","style"] 3:["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}] 4:["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"“Services”"}],["$","span","1",{"children":" means the credit and related services we make available through the Platform."}]]}] 5:["$","li","**“You” and “your”** mean the person who registers, applies, borrows, or otherwise uses the Platform.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","e",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"“You” and “your”"}],["$","span","1",{"children":" mean the person who registers, applies, borrows, or otherwise uses the Platform."}]]}]]}] 6:["$","li","Headings are for convenience only and do not affect interpretation. Where these Terms conflict with a Loan Agreement you have signed, the Loan Agreement prevails in respect of that loan.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","f",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Headings are for convenience only and do not affect interpretation. Where these Terms conflict with a Loan Agreement you have signed, the Loan Agreement prevails in respect of that loan."}]]}]]}] 7:["$","li","The Services",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[2,"."]}],["$","span",null,{"className":"min-w-0","children":"The Services"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","We provide short-term credit in Nigerian naira to eligible persons in Nigeria, together with the account, application and support facilities described on the Platform.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[2,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We provide short-term credit in Nigerian naira to eligible persons in Nigeria, together with the account, application and support facilities described on the Platform."}]]}]]}],["$","p","We are not a bank. We do not take deposits, we do not hold funds on your behalf, and nothing on the Platform constitutes investment, tax or financial advice or a recommendation to enter into any transaction.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[2,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We are not a bank. We do not take deposits, we do not hold funds on your behalf, and nothing on the Platform constitutes investment, tax or financial advice or a recommendation to enter into any transaction."}]]}]]}],["$","p","Nothing on the Platform is an offer of credit. Every application is subject to our assessment, and we may decline any application, in whole or in part, without giving reasons.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[2,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Nothing on the Platform is an offer of credit. 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You must keep it up to date.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[4,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You may hold one account only, registered in your own name, and the information you give us must be true, complete and current. You must keep it up to date."}]]}]]}],["$","p","Access to your account is by a one-time code sent to you. **You are responsible for keeping that code and your device secure, and any instruction given through your account is deemed to have been given by you.** We will never ask you for your sign-in code.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[4,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Access to your account is by a one-time code sent to you. "}],["$","strong","1",{"className":"font-medium text-ink","children":"You are responsible for keeping that code and your device secure, and any instruction given through your account is deemed to have been given by you."}],["$","span","2",{"children":" We will never ask you for your sign-in code."}]]}]]}],["$","p","We will never ask you to pay into a personal account. Payments are made only to the account shown in the application, which is held in the Company's own name. Any request to pay elsewhere does not come from us and should be reported to us immediately.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[4,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We will never ask you to pay into a personal account. Payments are made only to the account shown in the application, which is held in the Company's own name. Any request to pay elsewhere does not come from us and should be reported to us immediately."}]]}]]}],["$","p","We may suspend or close an account, and decline to deal with you further, where we suspect fraud or misrepresentation, where information you have given is untrue, where our staff are abused or threatened, where you breach these Terms, or where we are required or entitled to do so by law.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[4,".",4]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may suspend or close an account, and decline to deal with you further, where we suspect fraud or misrepresentation, where information you have given is untrue, where our staff are abused or threatened, where you breach these Terms, or where we are required or entitled to do so by law."}]]}]]}]],null]}]]}] a:["$","li","Applications and the processing fee",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[5,"."]}],["$","span",null,{"className":"min-w-0","children":"Applications and the processing fee"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Applications are made only through the Platform. We do not accept applications by telephone, messaging, live chat or any other channel, and any communication of that kind is a support enquiry only.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[5,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Applications are made only through the Platform. We do not accept applications by telephone, messaging, live chat or any other channel, and any communication of that kind is a support enquiry only."}]]}]]}],["$","p","A processing fee is payable with every application. It is consideration for the credit and eligibility assessment we carry out, and that assessment is carried out whether or not the application succeeds.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[5,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"A processing fee is payable with every application. It is consideration for the credit and eligibility assessment we carry out, and that assessment is carried out whether or not the application succeeds."}]]}]]}],["$","p","**The processing fee is not refundable in any circumstances**, including where the application is declined, withdrawn, cancelled or abandoned. The amount payable is shown to you before you pay it.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[5,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"The processing fee is not refundable in any circumstances"}],["$","span","1",{"children":", including where the application is declined, withdrawn, cancelled or abandoned. The amount payable is shown to you before you pay it."}]]}]]}]],null]}]]}] b:["$","li","Pricing and tiers",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[6,"."]}],["$","span",null,{"className":"min-w-0","children":"Pricing and tiers"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Interest is determined by the tier you hold and is charged once over the term of the loan rather than periodically. The amount you borrow determines the term, the processing fee, and whether repayment by instalments is available.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[6,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Interest is determined by the tier you hold and is charged once over the term of the loan rather than periodically. The amount you borrow determines the term, the processing fee, and whether repayment by instalments is available."}]]}]]}],["$","p","Repaying on time advances you to the next tier, which raises the limit available to you and reduces your rate. Settling after the due date moves you back one tier and resets your progress toward the next.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[6,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Repaying on time advances you to the next tier, which raises the limit available to you and reduces your rate. Settling after the due date moves you back one tier and resets your progress toward the next."}]]}]]}],["$","p","Repayment by instalments is charged at a higher rate than repayment in a single payment, because the sum advanced is outstanding for longer. Both rates are published before you choose.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[6,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Repayment by instalments is charged at a higher rate than repayment in a single payment, because the sum advanced is outstanding for longer. Both rates are published before you choose."}]]}]]}],["$","p","We may vary our rates, fees, limits and tier criteria at any time. A variation does not affect a loan already agreed.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[6,".",4]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may vary our rates, fees, limits and tier criteria at any time. A variation does not affect a loan already agreed."}]]}]]}]],null]}]]}] c:["$","li","The Loan Agreement",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[7,"."]}],["$","span",null,{"className":"min-w-0","children":"The Loan Agreement"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Where an application is approved we will make a Loan Agreement available to you. It sets out the amount, the interest, the total repayable, the term and the repayment date, and it governs that loan.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Where an application is approved we will make a Loan Agreement available to you. It sets out the amount, the interest, the total repayable, the term and the repayment date, and it governs that loan."}]]}]]}],["$","p","**You agree that a Loan Agreement executed electronically, and the records we keep of it, are valid, binding and admissible**, and that you will not dispute their validity or admissibility on the ground that they are in electronic form.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"You agree that a Loan Agreement executed electronically, and the records we keep of it, are valid, binding and admissible"}],["$","span","1",{"children":", and that you will not dispute their validity or admissibility on the ground that they are in electronic form."}]]}]]}],["$","p","Approval is conditional on final verification checks. We may withdraw an approval at any time before funds are disbursed, and we are not liable for any loss arising from our doing so.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[7,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Approval is conditional on final verification checks. We may withdraw an approval at any time before funds are disbursed, and we are not liable for any loss arising from our doing so."}]]}]]}]],null]}]]}] d:["$","li","Repayment",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[8,"."]}],["$","span",null,{"className":"min-w-0","children":"Repayment"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","You must repay the total repayable on the dates set out in the Loan Agreement, whether in a single payment or by instalments, to the account shown in the application, **without set-off, counterclaim or deduction**.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[8,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You must repay the total repayable on the dates set out in the Loan Agreement, whether in a single payment or by instalments, to the account shown in the application, "}],["$","strong","1",{"className":"font-medium text-ink","children":"without set-off, counterclaim or deduction"}],["$","span","2",{"children":"."}]]}]]}],["$","p","You may repay early at any time and no additional charge is made for doing so.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[8,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You may repay early at any time and no additional charge is made for doing so."}]]}]]}],["$","p","Sums received are applied first to costs and expenses, and then in the order set out in the Loan Agreement for that loan.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[8,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Sums received are applied first to costs and expenses, and then in the order set out in the Loan Agreement for that loan."}]]}]]}],["$","p","If you will not be able to pay on the due date you must tell us before that date and may request additional time through the application. Additional time is effective only when we have agreed it. Time taken without our agreement is a default.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[8,".",4]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"If you will not be able to pay on the due date you must tell us before that date and may request additional time through the application. Additional time is effective only when we have agreed it. Time taken without our agreement is a default."}]]}]]}]],null]}]]}] e:["$","li","Default and recovery",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[9,"."]}],["$","span",null,{"className":"min-w-0","children":"Default and recovery"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Each of the following is an event of default:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[9,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Each of the following is an event of default:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","you fail to pay any sum on its due date;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"you fail to pay any sum on its due date;"}]]}]]}],["$","li","any information you or your guarantors have given is untrue or misleading in a material respect;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"any information you or your guarantors have given is untrue or misleading in a material respect;"}]]}]]}],["$","li","you breach these Terms or a Loan Agreement; or",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"you breach these Terms or a Loan Agreement; or"}]]}]]}],["$","li","you become insolvent, or any step is taken toward your bankruptcy.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"you become insolvent, or any step is taken toward your bankruptcy."}]]}]]}]]}]]}]]}] f:["$","li","Consequences of default",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[10,"."]}],["$","span",null,{"className":"min-w-0","children":"Consequences of default"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","On an event of default every sum that has fallen due under the Loan Agreement is immediately payable, and any late-payment charge set out in the Loan Agreement accrues. A sum that has not yet fallen due remains payable on its own date.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[10,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"On an event of default every sum that has fallen due under the Loan Agreement is immediately payable, and any late-payment charge set out in the Loan Agreement accrues. A sum that has not yet fallen due remains payable on its own date."}]]}]]}],["$","p","We may contact you and the guarantors you named, report the default to licensed credit bureaux and to industry information-sharing schemes, instruct recovery agents and legal advisers, and take any other step available to us at law. A report to a credit bureau may affect your ability to obtain credit elsewhere.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[10,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may contact you and the guarantors you named, report the default to licensed credit bureaux and to industry information-sharing schemes, instruct recovery agents and legal advisers, and take any other step available to us at law. A report to a credit bureau may affect your ability to obtain credit elsewhere."}]]}]]}],["$","p","**You are liable for the costs and expenses we reasonably incur in recovering what you owe**, including agency and legal fees.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[10,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","strong","0",{"className":"font-medium text-ink","children":"You are liable for the costs and expenses we reasonably incur in recovering what you owe"}],["$","span","1",{"children":", including agency and legal fees."}]]}]]}]],null]}]]}] 10:["$","li","Guarantors",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[11,"."]}],["$","span",null,{"className":"min-w-0","children":"Guarantors"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Each guarantor you name guarantees your obligations jointly and severally with you, and we may proceed against a guarantor without first proceeding against you.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[11,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Each guarantor you name guarantees your obligations jointly and severally with you, and we may proceed against a guarantor without first proceeding against you."}]]}]]}],["$","p","You must have each guarantor's authority before naming them, and we may seek their confirmation directly. **You indemnify us against any claim, loss or cost arising from your naming a person without their authority** or from information about them that you provide and that proves to be untrue.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[11,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You must have each guarantor's authority before naming them, and we may seek their confirmation directly. "}],["$","strong","1",{"className":"font-medium text-ink","children":"You indemnify us against any claim, loss or cost arising from your naming a person without their authority"}],["$","span","2",{"children":" or from information about them that you provide and that proves to be untrue."}]]}]]}]],null]}]]}] 11:["$","li","Referrals",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[12,"."]}],["$","span",null,{"className":"min-w-0","children":"Referrals"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Where we operate a referral scheme, the applicable rate is shown in the application and your referral code is your registered telephone number.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[12,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Where we operate a referral scheme, the applicable rate is shown in the application and your referral code is your registered telephone number."}]]}]]}],["$","p","We may withhold, vary, suspend or cancel a referral benefit at any time, including where the referred account is your own, where the referral is not genuine, or where the referred loan is not repaid in full and on time.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[12,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may withhold, vary, suspend or cancel a referral benefit at any time, including where the referred account is your own, where the referral is not genuine, or where the referred loan is not repaid in full and on time."}]]}]]}]],null]}]]}] 12:["$","li","Acceptable use",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[13,"."]}],["$","span",null,{"className":"min-w-0","children":"Acceptable use"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","You must not:",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[13,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You must not:"}]]}]]}]],["$","ul",null,{"className":"mt-5 max-w-[62ch]","children":[["$","li","submit information that is false, misleading or not your own;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","a",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"submit information that is false, misleading or not your own;"}]]}]]}],["$","li","use the Platform for any unlawful purpose, or in breach of any applicable law or regulation;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","b",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"use the Platform for any unlawful purpose, or in breach of any applicable law or regulation;"}]]}]]}],["$","li","access or attempt to access any part of the Platform you are not authorised to access, or any account other than your own;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","c",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"access or attempt to access any part of the Platform you are not authorised to access, or any account other than your own;"}]]}]]}],["$","li","copy, scrape, reverse-engineer, decompile or create derivative works from the Platform;",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","d",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"copy, scrape, reverse-engineer, decompile or create derivative works from the Platform;"}]]}]]}],["$","li","introduce any malicious code, or interfere with the operation, security or availability of the Platform; or",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","e",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"introduce any malicious code, or interfere with the operation, security or availability of the Platform; or"}]]}]]}],["$","li","abuse, threaten or harass our staff or agents.",{"className":"mt-4 flex gap-4 leading-relaxed text-ink/75","children":[["$","span",null,{"className":"w-9 shrink-0 text-ink/45","children":["(","f",")"]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"abuse, threaten or harass our staff or agents."}]]}]]}]]}]]}]]}] 13:["$","li","Intellectual property",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[14,"."]}],["$","span",null,{"className":"min-w-0","children":"Intellectual property"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","The Platform, its content, software, design and marks are owned by us or by our licensors and are protected by law.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[14,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"The Platform, its content, software, design and marks are owned by us or by our licensors and are protected by law."}]]}]]}],["$","p","We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for the purpose of applying for and managing a loan. All other rights are reserved.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[14,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for the purpose of applying for and managing a loan. All other rights are reserved."}]]}]]}]],null]}]]}] 14:["$","li","Availability of the Platform",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[15,"."]}],["$","span",null,{"className":"min-w-0","children":"Availability of the Platform"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","The Platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by law we exclude all warranties, conditions and representations, whether express or implied, including that the Platform will be uninterrupted, timely, secure or free from error.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[15,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"The Platform is provided on an “as is” and “as available” basis. To the fullest extent permitted by law we exclude all warranties, conditions and representations, whether express or implied, including that the Platform will be uninterrupted, timely, secure or free from error."}]]}]]}],["$","p","We may modify, suspend or withdraw all or any part of the Platform, with or without notice, and we are not liable to you for doing so.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[15,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We may modify, suspend or withdraw all or any part of the Platform, with or without notice, and we are not liable to you for doing so."}]]}]]}]],null]}]]}] 15:["$","li","Limitation of liability",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[16,"."]}],["$","span",null,{"className":"min-w-0","children":"Limitation of liability"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[16,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Nothing in these Terms excludes or limits any liability that cannot lawfully be excluded or limited, including liability for fraud or for death or personal injury caused by negligence."}]]}]]}],["$","p","Subject to the paragraph above, we are not liable for any indirect, incidental, special or consequential loss, or for any loss of profit, revenue, business, opportunity, goodwill, data or anticipated savings, however arising.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[16,".",2]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Subject to the paragraph above, we are not liable for any indirect, incidental, special or consequential loss, or for any loss of profit, revenue, business, opportunity, goodwill, data or anticipated savings, however arising."}]]}]]}],["$","p","Subject to the first paragraph of this section, **our total aggregate liability in connection with the Services is limited to the total fees you have paid to us in the twelve months preceding the event giving rise to the claim**.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[16,".",3]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"Subject to the first paragraph of this section, "}],["$","strong","1",{"className":"font-medium text-ink","children":"our total aggregate liability in connection with the Services is limited to the total fees you have paid to us in the twelve months preceding the event giving rise to the claim"}],["$","span","2",{"children":"."}]]}]]}],["$","p","We are not liable for any loss arising from an event outside our reasonable control, including the failure or unavailability of a network, a payment system, a device, or a third-party service.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[16,".",4]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"We are not liable for any loss arising from an event outside our reasonable control, including the failure or unavailability of a network, a payment system, a device, or a third-party service."}]]}]]}]],null]}]]}] 16:["$","li","Indemnity",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 tabular-nums","children":[17,"."]}],["$","span",null,{"className":"min-w-0","children":"Indemnity"}]]}],["$","div",null,{"className":"mt-6 lg:col-span-8 lg:mt-0","children":[[["$","p","You indemnify us, and keep us indemnified, against all claims, demands, losses, liabilities, costs and expenses that we incur arising out of or in connection with your breach of these Terms, your misuse of the Platform, or any information you provide that is untrue or misleading.",{"className":"mt-5 flex max-w-[62ch] gap-4 leading-relaxed text-ink/75 first:mt-0","children":[["$","span",null,{"className":"w-9 shrink-0 tabular-nums text-ink/45","children":[17,".",1]}],["$","span",null,{"className":"min-w-0","children":[["$","span","0",{"children":"You indemnify us, and keep us indemnified, against all claims, demands, losses, liabilities, costs and expenses that we incur arising out of or in connection with your breach of these Terms, your misuse of the Platform, or any information you provide that is untrue or misleading."}]]}]]}]],null]}]]}] 17:["$","li","Communications and recording",{"className":"border-b border-line py-12 lg:grid lg:grid-cols-12 lg:gap-16","children":[["$","h2",null,{"className":"display flex gap-3 text-[1.5rem] lg:col-span-4 lg:text-[1.75rem]","children":[["$","span",null,{"className":"shrink-0 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