1. Acceptance of Terms
By accessing or using the GetMore Value platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.
2. Eligibility
You must be at least 18 years of age and a resident of Nigeria to use this Service. By registering, you represent that you meet these requirements.
3. Account Registration
You agree to provide accurate and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
4. Cooperative Membership
By creating an account, you become a member of GetMore Value Thrift and Loans Cooperative Society Limited. Membership entitles you to savings plans, loan facilities, VTU services, and the EasyNeccie cashback program subject to eligibility requirements.
5. Savings & Interest
Interest rates on savings plans are set by the cooperative's management and may be adjusted from time to time. Interest is accrued weekly and compounded. Early withdrawal may forfeit accrued interest depending on plan terms.
6. Loans
Loan approval is subject to eligibility criteria including savings history and guarantor availability. Interest rates and repayment schedules are disclosed before acceptance. Failure to repay may result in deduction from guarantor savings and reporting to credit bureaus.
7. Wallet & Transactions
Funds in your wallet are held with our NDIC-insured banking partners. The cooperative is not a bank and does not hold deposits directly. Transaction fees may apply to certain operations as disclosed in the app.
8. EasyNeccie Cashback
Cashback rates are set by partner merchants and may change without notice. Cashback is credited upon merchant confirmation of purchase. An active savings plan is required to earn cashback.
9. Prohibited Activities
You may not use the Service for money laundering, fraud, terrorism financing, or any illegal activity. Accounts found in violation will be suspended and reported to relevant authorities.
10. Termination
We reserve the right to suspend or terminate your account for violation of these terms. You may close your account at any time by contacting support, subject to settlement of outstanding obligations.
11. Limitation of Liability
The Service is provided "as is." We do not guarantee uninterrupted access or that the Service will be error-free. Our liability is limited to the amount of funds held in your wallet at the time of any claim.
12. Governing Law
These terms are governed by the laws of the Federal Republic of Nigeria. Disputes shall be resolved through the cooperative's dispute resolution mechanism before recourse to the courts.
13. Contact
For questions about these terms, contact us at legal@getmorevalue.ng.