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These draft terms explain the website's purpose, the limits of loan information and each visitor's responsibilities.
Website content is not a binding loan offer or guarantee of approval.
These draft Terms of Use govern access to the F.O.D. Microcredit Limited website. By using the website, you agree to use it lawfully and consistently with these terms. For legal approval and publication details, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.
This website provides general information about F.O.D., its proposed or available products, eligibility guidance, support channels and published pricing. It is not a banking portal, deposit service or personalised financial recommendation.
Rates, fees, amounts, tenures, examples and eligibility information are indicative published information and may change subject to approval and applicable requirements.
Nothing on this website creates a binding loan offer, credit agreement or commitment to lend. Final terms must be contained in approved documentation provided before acceptance.
Submitting a contact form or inquiry does not guarantee approval or disbursement. Applications may require KYC and AML screening, eligibility verification, affordability and credit assessment, supporting documents, employer or partner checks, and final approval.
You agree to provide accurate, current and complete information; protect any reference or communication issued to you; avoid impersonation or fraudulent submissions; and use the website only for lawful purposes.
You must not interfere with website operation, attempt unauthorised access, introduce malicious code, scrape protected content or misuse company names, marks or materials.
Unless otherwise stated, website text, layout, graphics, branding and other materials belong to F.O.D. or its licensors. You may view and print reasonable extracts for personal, non-commercial use, but may not reproduce or exploit them without written permission.
Messaging services and partner references may lead to third-party services. F.O.D. does not control their availability, security, content or terms and is not responsible for their independent practices.
F.O.D. aims to keep information accurate and the website available but does not warrant uninterrupted access or that every item is complete, current or error-free.
To the extent permitted by law, F.O.D. is not liable for indirect or consequential loss arising solely from use of, inability to use, or reliance on general website information. Nothing in these terms excludes liability that cannot lawfully be excluded.
Use of personal information is addressed in the website Privacy Policy and any additional notice supplied for a loan inquiry, complaint or other service.
F.O.D. may update website content, suspend features or amend these terms. Continued use after a revised version is published indicates acceptance of the updated website terms, subject to applicable law.
These terms are intended to be governed by the laws of Ghana. Questions may be sent to ezu@fodmicrocredit.com, raised by phone or WhatsApp at +233 20 876 20039, or delivered to Tema Community 5, adjacent to Last Hour Restaurant. For formal legal-notice and dispute wording, for more information, call or whatsapp +233 20 876 20039, or email ezu@fodmicrocredit.com.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.