Terms of Use

1. Acceptance of these terms

These Terms of Use ("Terms") govern your access to and use of the Jara website and the Jara Borrow service, operated by Jara Technologies Inc. ("Jara", "we", "us"). By using the website or creating an account, you accept these Terms. If you do not agree with them, please do not use our services.

2. Eligibility

You must be at least 18 years old, have the legal capacity to contract under Nigerian law, and be a resident of Nigeria to create a Jara account and apply for Jara Borrow. You confirm that all information you provide to us is accurate and complete.

3. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity carried out through your account. Notify us immediately if you suspect unauthorised access to your account. We may suspend or close an account where we reasonably suspect misuse, fraud, or a breach of these Terms.

4. The Jara Borrow service

Jara Borrow provides access to credit facilities that are subject to our assessment and approval. Approval is not guaranteed, and any loan offered to you is governed by a separate loan agreement, including the fees, repayment schedule and other terms disclosed to you before you accept the offer. Repayment obligations under an accepted loan agreement are independent of these Terms.

5. Acceptable use

When using our services, you agree that you will not:

• Use the platform for any unlawful purpose under Nigerian law.
• Provide false, misleading or incomplete information, including in any loan application.
• Attempt to gain unauthorised access to our systems, or interfere with or disrupt the platform.
• Reproduce, resell or commercially exploit any part of our services without our written permission.

6. Intellectual property

The website, the Jara name and logo, and all related content are the property of Jara Technologies Inc. and are protected by applicable intellectual property laws. You may view and use the website for personal, non-commercial purposes only.

7. Disclaimers

The website is provided on an "as is" and "as available" basis. While we work to keep our services accurate, current and available, we do not warrant that the website will be uninterrupted, error-free, or free of harmful components, to the fullest extent permitted by Nigerian law.

8. Limitation of liability

To the fullest extent permitted by law, Jara shall not be liable for any indirect, incidental, special or consequential losses arising from your use of the website or services. Nothing in these Terms excludes liability that cannot be excluded under Nigerian law, including liability for fraud or for death or personal injury caused by negligence.

9. Indemnity

You agree to indemnify and hold Jara harmless from any claims, losses, liabilities and expenses arising from your breach of these Terms or your unlawful use of our services.

10. Governing law and dispute resolution

These Terms are governed by the laws of the Federal Republic of Nigeria. Any dispute will first be addressed through good-faith negotiation between you and us. If unresolved, the dispute shall be subject to the exclusive jurisdiction of the competent courts sitting in Lagos, Nigeria.

11. Changes to these Terms

We may update these Terms from time to time. The date at the top of this page shows when they were last revised. Continued use of our services after an update means you accept the revised Terms.