JABALI MOBILE LENDING TERMS AND CONDITIONS

 

These terms and conditions (hereafter “T&C”) apply to the user (hereafter the “User”, “You”, “Your”) of all services provided by Jabali Solutions (hereafter “Jabali Solutions”, the “Operator”, “Us”, “We”, “Our”), which include the App Jabali Solutions (hereafter the “Site”), the SMS services and any product, application or service it may offer from time to time (hereafter the “Services”). The information published on the Site (ex. in the FAQ , Bet Explained pages, etc.), is deemed part of these T&Cs.

BEFORE USING OUR SERVICES PLEASE READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS

By using the Services offered by Jabali Solutions, you confirm that you have read, understood and accepted these T&C and agree to be bound by them. If you do not agree with these terms and conditions, you should NOT use the Services offered by Jabali Solutions.

Summary of the Terms and Conditions 

 

This Summary sets out key details about the Jabali Solutions Mobile Lending Application (the “Mobile Lending App” or the “App”). It forms part of the Jabali Solutions App Licence Terms and Conditions (the “Licence Terms”). You should read it carefully together with the rest of these Terms (App Terms). The Jabali Solutions Mobile Lending App allows you to access some of our Loan service in a format which is easier to view on a mobile phone or tablet. This App can be downloaded from Play store. You need to register for the Jabali Solutions App  in order to use the app. Please follow the instructions provided in the App in order to set-up a Personal Identification Number (PIN). A PIN has to be set for each and every device you will use to access your accounts. You will need this PIN each time you log-on 

 

Main Features of the Mobile Lending App: 

 

The following are the services available in the Jabali Solutions Mobile Lending App as at the date of this document: 

• View your account balances, 
• Loan requests. 
• Loan repayment modules 
• Disburse loans for investors 
• Download your loan and interest reports for both investor and borrower.

 

New and updated features may be added to the App from time-to-time. Details of any new or added features and how to access such features will be provided on the Jabali Solutions App when these are launched. 

1 Definitions

 

Mobile Lending App” or “App” means the Jabali Solutions Mobile Lending Application which can be downloaded to any mobile device which runs an operating system supported by us, through which you can access some of our Mobile lending services. 

 

“Mobile Lending App services” means those services set out in clause 2.3.

 

 “Activation Code” is the code that will be sent to you to activate the Mobile lending App. 

“PIN” is a personal identification number used to access the Mobile Lending App from the particular device. A PIN has to be set up for every device you use to access the Mobile Lending App.

 

“Transfer” can be in the form of a disbursement of a loan from the investor to the client/ borrower.

 

“Investor”   * is the access of investors in the app and disbursing loans to clients

“Borrower”   * Is the person requesting mobile loans on Jabali App.

 

“Android” is a mobile operating system created and developed by google. exclusively for its hardware. “you”, “your” and “yours” mean the person who has downloaded the Mobile Lending App and is using that App. “we”, “us” and “our” mean Jabali Solutions., and any agents we appoint to provide all or part of the Mobile Lending App.

 

2 Using The Mobile Lending App 

 

2.1 You must be registered for Jabali Solutions to be able to use the Mobile Lending App. The Mobile Lending App can be used on a mobile device running an operating system supported by us. From the Mobile Lending App, you can access some of our Loan services.

 

2.2 Before you can log-in the app, you need to activate the app sby receiving an activation code. You then need to create a new PIN which has to be used whenever you log-in. Once the PIN is set, you can use it  to log-in the Mobile Lending App. 

 

We may notify you from time-to-time about changes in the security information. 

 

Some Services available within the App 

 

2.3 The following are the services available through the Mobile Lending App as at the date of this document: 

• View your account balances, 
• Loan requests. 
• Loan repayment modules 
• Disburse loans for investors 
• Download your loan and interest reports for both investor and borrower

 

 Things you must not do: 

 

2.4 You must not copy or reproduce all or any part of the Mobile Lending App. 

2.5 You must not alter, modify or adapt all or any part of the Mobile Lending App.

 2.6 You must not remove or tamper with any copyright notice attached to or contained within the Mobile Lending App. All ownership in the Mobile Lending App remains with us. 

2.7 You must not carry out reverse engineering of the Mobile Lending App. 

 

3. Responsibilities And Availability Of Service

 

3.1 While we make reasonable efforts to provide the Mobile Lending App services, we will not be liable for any failure to provide those services, in part or in full, due to abnormal and unforeseen circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. This includes but is not limited to any phone network failures or, in the case of mobile networks, where you are not in an area of mobile coverage. 

 

3.2 The Mobile Lending App is provided “as is” with no representation, guarantee or agreement of any kind as to its functionality. We cannot guarantee that no viruses or other contaminating or destructive properties will be transmitted or that no damage will occur to your mobile device. We are not responsible for any loss you may incur as a result of this.

 

3.3 We are responsible for the Mobile Lending App and its content. Google Inc., do not have any responsibilities or obligations to you in relation to the Mobile Lending App and will not provide any maintenance and support services for the Mobile Lending App.

Use of location data

 3.5 Certain services in the app use information about your physical location sent from your mobile device (e.g. GPS signals). If you use these services, you consent to us, our partners and licensees, and Google accessing, monitoring, transmitting, collecting, maintaining, disclosing, processing and using your location data. This also means that if you use the services you are consenting to (i) the terms and conditions, and privacy policy, of this Mobile Lending App. i(i) the terms and conditions, and privacy policy, of Google. You will be asked to consent to the use of location services when you download the Mobile Lending App. 

 

 3.6 Access to Google Maps/Google Earth APIs through the Mobile Lending App is subject to the separate Google terms and conditions available at 

 

http://maps.google.com/help/terms_maps.html

 

4. Security Your security obligations 

 

4.1 You must take all reasonable precautions to keep safe and prevent fraudulent use of your mobile device, Personal Identification Number or any other security information. These precautions include: 

• never writing down or otherwise recording your Personal Identification Number in a way that can be understood by someone else;
• not choosing a Personal Identification Number that may be easy to guess; 
• taking care to ensure that no one hears or sees your Personal Identification Number when you use it;
•  keeping your Personal Identification Number unique to the Mobile Lending App;

4.2 You will be responsible for all instructions given by you or anyone acting with your authority between when you log onto the Mobile Lending App until you log off the Mobile Lending App. 4.3 You are responsible for making sure information shown or stored on your mobile phone is kept secure. 

4.4 You must advise us of any change to your mobile phone number without delay. What to do if there is a breach of security 

 

4.5 Please refer to the Product Terms for details about unauthorised transactions. You will be responsible for all losses arising from unauthorised transactions on your Account as a result of; You acting fraudulently, or  You intentionally or with gross negligence failing to use the Mobile Lending App in accordance with the App Terms (including keeping safe your Mobile Banking security details), or.

 

5. Suspension Of The Mobile Lending App 

We can, at any time, suspend your use of the Mobile Lending App. We will do this if we think it is reasonably necessary because:

• We have concerns about the security of the Mobile Lending App or 
• We suspect that your Mobile Lending App has been used fraudulently or in an unauthorised way; or 
• There are system maintenance issues which need to be addressed promptly; or 
• New upgrades or features are being introduced to the Mobile Lending App or 

 

We will usually give you advance notice of any suspension and tell you why. However, we will not do so if this would compromise our reasonable security measures or it is unlawful to do this. Occasionally we may not be able to contact you to give you advance notice.

 

6. Changes 

 

6.1 We may change the App Terms (including, but not limited to, introducing new charges and changing the types of payments you can make using the Mobile Lending App) for any of the reasons set out in the Product Terms. We may also change the App Terms for any other valid reason. We will tell you about any material changes or any new charges either by SMS, by e-mail. Where the changes to the App terms are for your benefit and/or are not material we will notify you of these as soon as reasonably practicable. 

 

6.2 If we provide you with notice that we are going to make a change to Terms, you can end this licence before that change takes effect without charge. If you do not tell us that you want to end this licence, then we will assume that you have accepted the change and it will take effect automatically once you make use of the App.

 

7. Miscellaneous

 

7.1 If any part of the App Terms becomes invalid, illegal or unenforceable, this will not affect the validity of the remaining App Terms. 

7.2 If we allow you some extra time to meet your obligations in these Terms or do not use some of our rights, this does not mean that we will do so again. 

7.3 We can transfer all or some of our rights under these Terms to someone else. You cannot transfer any of your rights and obligations under these Terms to anyone else. 

 

8.Fees.

 

Fees may apply. You agree to pay fees as defined in the Loan Processing,Withdrawal fee & Interest on loan Information Schedule. Any such fee will be automatically deducted from your account. 

 

9.Privacy and User Information 

 

9.1 Data Analytics. You acknowledge that in connection with your use of Mobile Lending, Jabali Solutions  service providers, i may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Lending App or the Software. 

 

9.2Jabali Solutions will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Lending, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you

 

10. 10. Your Statutory Rights Nothing in these Terms will reduce your statutory rights including your rights relating to mis-described accounts or services, the fairness of terms on which they are provided to you, any rights you may have to close your account and/or claim compensation. 

 

11. 11. Data Sharing We may use third parties to provide services on our behalf which may include the sharing of some of your contact details with them. 

 

12. 12. How To Complain If we do not deliver the standard of service you expect, or if you think we have made a mistake, please let us know. We will investigate the situation and, if necessary, set about putting matters right as quickly as possible. Where appropriate we will also take steps to prevent a recurrence. 

We have complaint handling procedures. Your first point of complaint should be your Loan Officer. If you remain dissatisfied with the decision/outcome then escalate to the Customer Relations Official on telephone number +254726327505 E-mail complaints may be addressed to infojabalisolutions@gmail.com

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