This Application Service Agreement (hereinafter referred to as the "Agreement") is made between you (the "User" or "You") and MavoLoan Tech (hereinafter referred to as "MavoLoan," "We," or "Our"). Please carefully read the terms and conditions before using the MavoLoan application (the "App"). By downloading, installing, registering, or otherwise using the App, you agree to comply with all the terms of this Agreement.

MavoLoan is an application that provides personal cash loan services, aimed at offering convenient loan services to users in Kenya. Through the App, users can apply for short-term cash loans, and make repayments according to the loan agreement. The App also allows users to view loan product information, submit loan applications, check approval results, and manage repayment schedules.

The App is operated and maintained by MavoLoan Tech, while the loans are issued by MavoLoan, a licensed company.

You agree and confirm that you must meet the following conditions to use this App:

The main services provided by this App include:

Upon submission of a loan application, MavoLoan will evaluate the personal information, credit history, and other relevant data provided by the user to approve the loan. The approval process may involve credit assessments and risk analysis.

Loan amounts, interest rates, and terms may vary depending on the user's credit evaluation. By applying for a loan, you agree to accept the loan terms and conditions as notified by MavoLoan.

MavoLoan reserves the right to approve or reject a loan based on its evaluation criteria, and will notify the user accordingly. If the loan is rejected, MavoLoan and MavoLoan are not responsible for any claims.

Once the loan is approved by MavoLoan, the loan amount will be disbursed to the user's designated account via bank transfer or e-wallet. The exact disbursement time will be subject to the actual operation of the platform.

Repayment should be made according to the agreed repayment date. If you fail to repay on time, you will incur late fees, and we have the right to take actions to recover the debt.

Late repayment may affect your credit record and may lead to legal actions. You should repay on time to avoid unnecessary legal responsibilities.

When applying for a loan, you will be informed of the specific fees, including but not limited to interest rates, handling fees, and service charges.

All fees will be clearly displayed and notified to you before you submit your loan application. By accepting the loan terms, you agree to pay the relevant fees.

Late repayment may incur late fees, which will be displayed within the platform and calculated based on the number of overdue days.

We are committed to protecting your personal privacy and taking appropriate technical and managerial measures to safeguard the security of your personal information. You can learn more about how we collect, store, use, and share your personal information through our Privacy Policy.

The personal information we collect includes but is not limited to your name, identification number, phone number, bank account details, and loan history.

All collected personal information will only be used for loan services, credit assessments, and related customer support.

You have the right to access, modify, or delete your personal information, but certain information, such as loan records, may need to be retained according to legal requirements.

You are prohibited from engaging in the following activities:

We reserve the right to modify, suspend, or terminate the service at any time, especially during necessary system maintenance or updates. We will make every effort to minimize service interruption and notify users in advance.

If you breach any terms of this Agreement, we have the right to suspend or terminate your account and stop providing any services.

We make every effort to ensure the normal operation of the App and data security, but we do not assume any responsibility for service interruptions, data loss, or leakage caused by force majeure events (such as natural disasters, cyber-attacks, third-party service disruptions, etc.).

We are not liable for any damages directly or indirectly caused by your use of the App, including but not limited to loss of profits, business interruption, or credit damage.

The App and its content, including but not limited to designs, text, images, audio, video, software, and source code, are owned by us or our licensors. You are not permitted to copy, modify, distribute, or sell the App or its contents without authorization.

We reserve the right to modify the terms of this Agreement at any time. The modified Agreement will be notified to users through in-app announcements or other means. Once the modified Agreement is published, it takes effect immediately, and your continued use of the service constitutes your acceptance of the modified terms.

If you do not agree to the modified Agreement, you may choose to stop using the App and cancel your account.

This Agreement shall be governed by the laws of Kenya and subject to the jurisdiction of Kenyan courts.

Any dispute arising from or related to this Agreement shall be first resolved through friendly negotiation. If negotiation fails, the dispute shall be submitted to the competent courts in Kenya for resolution.

If you have any questions about this Agreement or need further assistance, feel free to contact us:

This Agreement takes effect as soon as you first use the MavoLoan App.