Terms of Service

1. Agreement to Terms

By accessing or using SekiLoans' services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access or use our services.

2. Eligibility

To be eligible for our services, you must:

• Be at least 18 years of age
• Be a resident of Samoa
• Have a valid government-issued ID
• Have a regular source of income
• Have a valid bank account

3. Loan Terms and Conditions

All loans are subject to:

• Credit assessment and approval
• Verification of provided information
• Applicable interest rates and fees
• Agreed-upon repayment schedule
• Terms specified in the loan agreement

4. Repayment and Fees

You agree to:

• Repay the loan according to the agreed schedule
• Pay applicable interest and fees
• Pay any late payment penalties if applicable
• Maintain sufficient funds in your account for repayments

5. Account Security

You are responsible for:

• Maintaining the confidentiality of your account
• Restricting access to your account
• Notifying us of any unauthorized access
• All activities that occur under your account

6. Default and Collections

In the event of default:

• Additional fees may be charged
• Legal action may be taken
• Your account may be referred to collections
• Your credit rating may be affected

7. Modifications to Terms

We reserve the right to modify these terms at any time. We will notify you of any changes by posting the new terms on our website. Continued use of our services after such changes constitutes acceptance of the new terms.

8. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect, use, and protect your information.

9. Limitation of Liability

SekiLoans shall not be liable for:

• Any indirect, incidental, or consequential damages
• Loss of profits or data
• Service interruptions or technical issues
• Actions of third parties

10. Governing Law

These terms shall be governed by and construed in accordance with the laws of Samoa. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Samoa.

11. Contact Information

For any questions about these Terms of Service, please contact us at: