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Interpretation',\n            content: ' In this Agreement, references to “<b>you</b>” mean - the person requesting the loan (and references to “<b>your</b>” are to be interpreted accordingly) and references to “<b>we</b>” or “<b>us</b>” are to partner financial institutions and FindReach Community Nig. Ltd. (and references to “<b>our</b>” are to be interpreted accordingly).'\n          },\n          {\n            heading: '2. Loan',\n            content: `<b>2.1</b> Subject to clause 2.2 and this agreement, we will make loans available to you under our platform when you sign and submit to us a loan application and this application is approved. We are under no obligation to approve any loan application you give to us even if it meets our set criteria and model.<br>\n            <b>2.2</b> Under this agreement, we agree to make each loan available to you on the terms specified in this agreement and each loan application issued by you to us, at any time during the availability period, provided that:\n            <ol>\n            <li>Each of the following <b>Initial Conditions Precedent</b> has been met in form and substance satisfactory to us:\n            <ol>\n            <li>we have received a copy of this agreement duly executed by you by way of an electronic signature pursuant to clause 11;</li>\n            <li>we have received your approval of the privacy policy pursuant to clause 11;</li>\n            <li>you are:\n            <ul>\n            <li>First Time Customers, an Approved Customer; or</li>\n            <li>an Existing Customer; and</li>\n            </ul>\n            </li>\n            </ol>\n            </li>\n            <li>We have received from you a fully completed loan application in respect of the requested loan, executed by you by way of an electronic signature pursuant to clause 11 and have provided a loan confirmation with respect to such loan application;</li>\n            <li>The representations and warranties made by you under this agreement remain true and correct, by reference to the facts and circumstances then existing;</li>\n            <li>No event of default has occurred and is continuing or would occur as a result of us making the requested loan available to you;</li>\n            <li>As at the loan application date:\n            <ol>\n            <li>there is no amount outstanding;</li>\n            <li>there are no current loans;</li>\n            <li>there are no unprocessed loan applications;</li>\n            </ol>\n            </li>\n            <li>We have received any other document or information that we may request from you.</li>\n            </ol>\n            <b>2.3</b> If we provide a Loan Confirmation, we will transfer the Loan amount to your Reach wallet as soon as practicable for us (the date of such transfer being the “<b>Loan Transfer Date</b>”).<br>\n            <b>2.4</b>\tWe shall not be liable to you for any delay or failure in performing our obligations to you where such delay or failure occurs because of any abnormal or unforeseeable circumstances beyond our reasonable control or uncompleted loan application from you.`\n          },\n          {\n            heading: '3. Repayment',\n            content: `<b>3.1</b> In consideration of us making each loan available to you, other than where clause 5 applies, you hereby agree to repay each loan amount in full in addition to accrued interest on the relevant repayment date by bank transfer or direct debit or any other means stipulated to the provided account number.<br>\n            <b>3.2</b> If you fail to repay any repayment amount on the repayment date in accordance with clause 4.1 below, we will send you a reminder notice of your obligations to repay such amount.<br>\n            <b>3.3</b> You agree that each payment under this agreement will, to the extent permitted by law, be made without deduction or withholding in respect of any taxes, duties, set-off, counterclaim or otherwise and free of any restriction or condition. If any deduction or withholding is required by law, you will pay to us an additional amount equal to the amount deducted or withheld, so that the net amount actually received and retained by us on the relevant repayment date (free from any liability in respect of any deduction or withholding, and ignoring any amount which we may be deemed to have received at law) is equivalent to the amount we would have received and retained had no deduction or withholding been made or required.`\n          },\n          {\n            heading: '4. Full Prepayment',\n            content: `\n            <b>4.1</b> You may pay the full prepayment Amount (as defined below) pertaining to a Loan received from the partner financial institution at any time before the final payment is due, without any penalty.<br>\n            <b>4.2</b> The Full Prepayment Amount, at any time, will be no more than the total of:\n                <ol>\n                  <li>The aggregate of the Loan outstanding, plus accrued and unpaid interest and costs and all other amounts due to us at that time under any Relevant Document; and</li>\n                  <li>Any reasonable credit fee we charge to compensate us for any administrative costs we incur due to your prepayment; and</li>\n                  <li>An amount equal to our reasonable estimate of our loss arising from your prepayment (if any) – that is, a loss that relates to differences in interest rates.</li>\n                </ol>\n            <b>4.3</b> To find out the full prepayment amount, at any point in the course of your loan period please send a mail to the Reach Customer care email address.\n              `\n          },\n          {\n            heading: '5. Interest',\n            content: `<b>5.1</b> The interest rate applicable to each Loan shall be the relevant Interest rate.<br>\n            <b>5.2</b> We calculate interest for a loan by applying the relevant interest rate for that Loan to the principal amount outstanding of that Loan and (unless otherwise notified by us to you) interest is calculated on the basis of the number of days (duration of loan) and your credit worthiness as determined by us. Interest accrues on a daily basis and is payable in arrears by the repayment date.`\n          },\n          {\n            heading: '6. Default Fee and Default Interest',\n            content: `<b>6.1</b> If you fail to pay the repayment amount owing to us by the relevant repayment date:\n            <ol>\n            <li>you will pay the applicable default fee as specified in clause 9.1; and</li>\n            <li>interest will accrue (both before and after judgment and without the need for notice or demand) on the overdue portion of the Loan Amount (which is applicable to such Repayment Amount) at the Default Rate (compounded daily) until payment is received by us (“Default Interest”).</li>\n            </ol>\n            <b>6.2</b> If you fail to pay any repayment amount owing to us on the relevant repayment date, we will send a reminder weekly till repayment is made via email to your nominated email address.<br>\n            <b>6.3</b> Each Reminder will confirm certain details relating to the relevant Loan, including:\n            <ol>\n            <li>The Amount Outstanding which will include:\n            <ol>\n            <li>the Repayment Amount;</li>\n            <li>any applicable Default Fee; and</li>\n            <li>the Default Interest payable.</li>\n            </ol>\n            </li>\n            </ol>`\n          },\n          {\n            heading: '7. Representations',\n            content: `\n            <b>7.1</b> You represent and warrant to us that:\n            <ol>\n            <li>you are not less than 18 years of age;</li>\n            <li>all Information is true, correct, complete and not misleading;</li>\n            <li>your obligations under this agreement are legal, valid, binding and enforceable in accordance with their respective terms;</li>\n            <li>there are no pending or threatened actions or proceedings affecting you before any court or other body which may adversely affect your ability to perform and observe your obligations under this Agreement;</li>\n            <li>you are able to pay your indebtedness as it falls due;</li>\n            <li>no Event of Default has occurred and is continuing;</li>\n            <li>you are not in default under any other agreement relating to indebtedness; and</li>\n            </ol>\n            <b>7.2</b> The representations given above are deemed to be repeated continuously during the term of this agreement by reference to the facts and circumstances then existing.`\n},\n          {\n            heading: '8. Undertakings',\n            content: `\n            You agree to:\n            <ol>\n            <li>immediately notify us should there be any change in the Information; and</li>\n            <li>provide us with such other information relating to you as we may reasonably require from time to time.</li>\n            </ol>\n            `\n          },\n          {\n            heading: '9. Default',\n            content: `\n            <b>9.1</b> An event of default occurs under this agreement if:<br>\n            <ol>\n            <li>you fail to pay any moneys payable under this agreement on time; or</li>\n            <li>you fail to observe or perform any other term of this agreement; or</li>\n            <li>you make, or are deemed to have made, any statement, representation or warranty in, or in connection with, this agreement that is incorrect in any respect; or</li>\n            <li>you allow a judgment or order against you to remain unsatisfied for more than two days; or</li>\n            <li>we reasonably believe that you are unable to pay your debts as they fall due, or bankrupt or insolvent, or you are deemed to be unable to pay your debts as they fall due or bankrupt or insolvent under any law; or</li>\n            <li>you die or otherwise become physically or mentally incapacitated</li>\n            </ol>\n            <b>9.2</b> In an event of default we can, subject to any applicable law, without prior notice take any or all of the following actions:\n            <ol>\n            <li>call up and demand payment of any Repayment Amount even if not due and, if applicable, any default fee, any default interest;</li>\n            </ol>\n            We also have all other rights given to us by law and in this Agreement`\n          },\n          {\n            heading: '10. Costs',\n            content: `\n            <b>10.1</b> You agree that you will pay each cost that we properly incur in connection with or incidental to the occurrence of an event of default and the exercise, protection or enforcement of our rights under this agreement on demand and on a full indemnity basis.<br>\n            <b>10.2</b> The above indemnity is unconditional and irrevocable and survives termination of this agreement.\n            `\n          },\n          {\n            heading: '11. Electronic Communications and Execution',\n            content: `\n            <b>11.1</b> You consent to notices, any documents pertaining to disclosure and any other communications relating to this agreement being sent to you, or made available, via SMS messages, emails or other electronic means.<br>\n            <b>11.2</b> Where you are a First Time Customer, you acknowledge that when you submit your First Time Customer Application, by ticking the box entitled “I accept the Terms and Conditions and the Privacy Policy”(the “<b>Box-tick</b>”) you confirm that:\n            <ol>\n            <li>the Box-tick identifies you as the signatory to this Agreement;</li>\n            <li>the Box-tick identifies your approval of this Agreement;</li>\n            <li>the Box-tick identifies your approval of the Privacy Policy; and</li>\n            <li>the means of creating the Box-tick:</li>\n            <ol>\n            <li>is linked to you and to no other person; and</li>\n            <li>was under your control and of no other person.</li>\n            </ol>\n            </ol>\n            <b>11.3</b> You also acknowledge and confirm that:<br>\n            <ol>\n            <li>where you submit a loan application on our Website in accordance with:</li>\n            <ol>\n            <li>for first time customers, the definition of “First Time Customer Application” in clause 19.1; or</li>\n            <li>for existing customers, paragraph (a) of the definition of “Existing Customer Loan Application” in clause 19.1,</li>\n            </ol>\n            </ol>\n            <b>11.4</b> By entering the required details (including account number, PIN (in the event of Debit card linkage) and clicking the button “Submit”:\n            <ol>\n            <li>the Website Submission identifies you as the signatory to the Loan Application;</li>\n            <li>the Website Submission identifies your approval of the Loan Application;</li>\n            <li>the means of creating the Website Submission:</li>\n            <ol>\n            <li>is linked to you and to no other person; and</li>\n            <li>was under your control and of no other person;</li>\n            </ol>\n            <li>the Website Submission identifies your approval that this agreement shall apply to the Requested Loan; and</li>\n            <li>the Website Submission identifies your confirmation that the representations and warranties made by you under this agreement remain true and correct as at the date of the Website Submission, by reference to the facts and circumstances then existing.</li>\n            </ol>\n            `\n          },\n          {\n            heading: '12. Information',\n            content: `\n              <b>12.1</b> Our Privacy Policy applies to the collection, use, storage and disclosure of your Personal Information and all other information about you. To find out more you can see our Privacy Policy on our Website. Key terms of current Privacy Policy are summarized below.<br>\n              <b>12.2</b> You authorize us to share any Personal Information with any third party, including without limitation lenders, credit bureaus, credit reference agencies, payment processing agencies, customer service providers and collection agencies for any purpose in relation to this agreement or our business functions and activities which include, without limitation, assessing your credit risk and ability to repay debts as they fall due.<br>\n              <b>12.3</b> You authorize us to store and record any information about you.<br>\n              <b>12.4</b> We reserve the right to request from you any information or documents that we may reasonably require in relation to this agreement, including for assessing your loan application, identifying you or for performing the required verifications.<br>\n              <b>12.5</b> You authorize us to obtain any information about you that we may reasonably require in relation to this agreement from any third party and further authorize the relevant third party to disclose such information to us.\n              `\n          },\n          {\n            heading: '13. Variation',\n            content: `\n            <b>13.1</b> We may vary these terms and conditions at any time if we are required, or it is advisable for us to do so, by law or change in market conditions or to maintain our rate of return on the loan. We will give you notice of any change at least 5 Business Days prior to that change taking effect. If a variation relates to a change to in Interest Rate or fee, we will provide you notice of the variation in the manner contemplated<br>\n            <b>13.2</b> Except as otherwise expressly provided in this agreement, no variation to this agreement is effective unless it is in writing and signed by you and us.\n              `\n          },\n          {\n            heading: '14. Assignment',\n            content: `\n            <b>14.1</b> You must not assign all or any part of your rights, title, interest or obligations under this agreement to a third party without our written permission.<br>\n            <b>14.2</b> We may assign in whole or in part any of our rights, title, interest and obligations in this agreement without your consent:\n            <ol>\n            <li>To any person whom we genuinely believe can perform all of our obligations under this Agreement; or</li>\n            <li>If we believe it is sensible or necessary to do so to comply with the law (including statutes, directives, case law or official guidance,</li>\n            </ol>\n            And each of our assignees has the same rights against you under this agreement as if it were named in this agreement.\n            `\n          },\n          {\n            heading: '15. Termination',\n            content: `\n            <b>15.1</b> You may notify us of your wish to terminate the loan request before the credit amount is advanced to you. Any other wishes to terminate loan advanced to you must be met with repayment of loan amount first and foremost.<br>\n            <b>15.2</b> Without limiting our rights under clause 11, we may by notice to you, without being required to provide any reasoning, terminate your right to request further Loans under the Facility, following which no further Loans will be made by us unless we notify you to the contrary.\n             `\n          },\n          {\n            heading: '16. Miscellanous',\n            content: `\n            <b>16.1</b> We may pursue our remedies and exercise our powers under this agreement separately or concurrently.<br>\n            <b>16.2</b> Time is of the essence in all respects regarding each of your obligations under this Agreement.<br>\n            <b>16.3</b> All communication to be made pursuant to this agreement must be in English.<br>\n            <b>16.4</b> A certificate by us of any amount payable under this agreement is conclusive evidence for all purposes, including for any proceedings.<br>\n            <b>16.5</b> For the purposes of the Contracts, you acknowledge and accept that your obligations under this agreement shall be enforceable notwithstanding that we may not sign this Agreement.<br>\n            <b>16.6</b> The illegality, invalidity or unenforceability of a provision of this agreement under any law will not affect the legality, validity or enforceability of that provision under another law or the legality, validity or enforceability of another provision.<br>\n            <b>16.7</b> This agreement is to be governed by and construed in accordance with the Laws of the Federal Republic of Nigeria.\n            `\n          },\n        ]\n      }\n    },\n    methods: {\n      docTitle: function () {\n        document.title = \"Terms of Service | REACH\"\n      }\n    },\n    components: {\n      StaticHero\n    },\n    beforeMount() {\n      this.docTitle();\n      // eslint-disable-next-line no-undef\n      amplitude.getInstance().logEvent('Terms_Of_Borrowing_Page_Opened');\n    },\n  }\n</script>\n\n<style scoped lang=\"scss\">\n  .terms-section {\n    margin-bottom: 2rem;\n  }\n</style>","import mod from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./TermsOfBorrowing.vue?vue&type=script&lang=js\"; export default mod; export * from \"-!../../node_modules/cache-loader/dist/cjs.js??ref--12-0!../../node_modules/thread-loader/dist/cjs.js!../../node_modules/babel-loader/lib/index.js!../../node_modules/cache-loader/dist/cjs.js??ref--0-0!../../node_modules/vue-loader/lib/index.js??vue-loader-options!./TermsOfBorrowing.vue?vue&type=script&lang=js\"","import { render, staticRenderFns } from \"./TermsOfBorrowing.vue?vue&type=template&id=6d225db8&scoped=true\"\nimport script from \"./TermsOfBorrowing.vue?vue&type=script&lang=js\"\nexport * from \"./TermsOfBorrowing.vue?vue&type=script&lang=js\"\nimport style0 from \"./TermsOfBorrowing.vue?vue&type=style&index=0&id=6d225db8&prod&scoped=true&lang=scss\"\n\n\n/* normalize component */\nimport normalizer from \"!../../node_modules/vue-loader/lib/runtime/componentNormalizer.js\"\nvar component = normalizer(\n  script,\n  render,\n  staticRenderFns,\n  false,\n  null,\n  \"6d225db8\",\n  null\n  \n)\n\nexport default component.exports"],"sourceRoot":""}