Terms and Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Calm Credit mobile application, website, and related services (collectively, the "Services").

The Services are owned and operated by ARZIKI BRIDGE TECHNOLOGY LIMITED ("Calm Credit", "Company", "we", "our", or "us"). ARZIKI BRIDGE TECHNOLOGY LIMITED is the provider of the loan services made available through Calm Credit.

Registered Address: NO. 10, VISTULA CLOSE, MAITAMA, ABUJA, FCT, NIGERIA
Post Code: 900271
Website: https://arzikibridge.vip/
Phone: +2348081136448

By accessing or using the Services, you agree to be bound by these Terms, our Privacy Policy, and any applicable loan agreement or other legal disclosures provided to you through the Services.

1. Eligibility

• Be at least 18 years old
• Be legally capable of entering into a binding agreement
• Be a resident of Nigeria, where applicable
• Provide accurate, current, and complete information
• Use the Services only for lawful purposes

Use of the Services does not guarantee loan approval. All loan applications are subject to review, verification, internal risk policies, and credit assessment criteria.

2. Our Services

Calm Credit provides digital lending-related services, including account registration, identity verification, loan application processing, loan disbursement, repayment management, customer support, and related functions.

We may modify, suspend, or discontinue any part of the Services where reasonably necessary for business, security, operational, compliance, or legal purposes.

3. Account Registration and Information Accuracy

• All information you provide must be true, accurate, and complete
• You must promptly update any changes
• You must not impersonate others or use false information
• You are responsible for maintaining account confidentiality
• You are responsible for activities under your account unless caused by our failure

We may refuse registration or suspend access where information is inaccurate, fraudulent, or raises legal or security concerns.

4. Permissions and Device Access

• Camera: identity verification and document capture
• Personal Information: account and loan processing
• Financial Information: payments and disbursement
• Device Information (including Android ID): security and fraud prevention

We only collect information necessary for service operation. See our Privacy Policy for details.

5. Third-Party Services

Paystack

• Purpose: Payment processing and loan disbursement
• Data: Name, payment details, transaction information
• Usage: Payment processing only
• Website: https://paystack.com
• Email: hello@m.paystack.com

Third-party providers process data only for necessary purposes and must comply with data protection requirements.

6. Loan Applications and Loan Terms

• Loan Amount: ₦2,000 – ₦150,000
• Loan Duration: 90 – 360 days
• APR: 12% – 36%
• Daily Interest: 0.03% – 0.10%
• Repayment: Full repayment by due date
• Late Fee: May apply if overdue

Example:

• Loan Amount: ₦150,000
• Loan Duration: 180 days
• Total Repayment: ₦159,000
• APR: 12.17%

Actual loan terms vary based on assessment. Final details are disclosed before acceptance.

7. Accepting a Loan

You may need to accept a separate loan agreement before disbursement. Loan agreements prevail in case of conflict.

8. Fees, Repayment, and Overdue Accounts

• Repay loan and applicable fees on time
• Ensure payment before due date
• Overdue accounts may result in notifications, fees, restrictions, or recovery actions

9. Data Protection

We process data for identity verification, loan services, fraud prevention, and compliance. We do not sell data or access contacts, SMS, or call logs.

10. Prohibited Conduct

• Unlawful or fraudulent use
• Providing false information
• Unauthorized access attempts
• Interfering with system security
• Misusing services
• Reverse engineering or exploitation

11. Account Suspension or Termination

We may suspend or terminate accounts for violations, fraud, or legal reasons. Obligations remain enforceable.

12. Intellectual Property

All content and systems are owned or licensed by ARZIKI BRIDGE TECHNOLOGY LIMITED and protected by law.

13. Disclaimers

Services are provided "as available" and may not always be uninterrupted or error-free.

14. Limitation of Liability

We are not liable for indirect or consequential damages to the extent permitted by law.

15. Governing Law and Dispute Resolution

These Terms are governed by the laws of Nigeria and disputes are handled by competent courts.

16. Changes to These Terms

We may update these Terms and will notify users where appropriate. Continued use indicates acceptance.

17. Contact

ARZIKI BRIDGE TECHNOLOGY LIMITED
NO. 10, VISTULA CLOSE, MAITAMA, ABUJA, FCT, NIGERIA
Post Code: 900271
Website: https://arzikibridge.vip/
Email: credit@arzikibridge.vip
Phone: +2348081136448