These Terms and Conditions govern your use of (www.zykacredit.com) loan website operated by Zyka Credit Limited.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may choose not to use the Service.

Our Service provides a platform to apply for loans. By submitting a loan application through our Service, you agree to provide accurate and complete information. We reserve the right to approve or deny loan applications based on our criteria and assessments.

To use our Service, you must be of legal age according to Nigerian laws and must not have been previously restricted or prohibited from using our Service.

Information provided by you during the loan application process will be used in accordance with our Privacy Policy. You consent to the use of this information to assess your eligibility for a loan and for communication purposes related to your application.

Upon approval, loan terms including interest rates, repayment schedules, and any associated fees will be provided to you. You agree to adhere to these terms and fulfill repayment obligations in accordance with the agreed-upon schedule.

The Service and its original content, features, and functionality are owned by [Your Company Name] and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

We strive to provide accurate and reliable information and services, but we do not guarantee the accuracy, reliability, or completeness of any information on the Service. We shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your use or inability to use the Service.

We reserve the right to modify or replace these Terms at any time. The most current version of the Terms will supersede all previous versions. It is your responsibility to periodically review these Terms for any changes.

If you have any questions about these Terms, please contact us using the information provided in the Contact Us section on our website.