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 BEFORE YOU APPLY

1. Be aware and advised that we take the credibility of our site users very seriously, hence we use industry's most advanced data integrity authentication validation systems. Users of this site must ensure that personal data are authentic and genuine to prevent avoidable blacklisting, denial of service and possible criminal prosecution where necessary.

2. Be advised that our primary means of identification for all our website users (borrowers and attesters) is the BVN (Bank Verification Number).

3. We use your social media as a source of data for risk assessment. Therefore, it is very important that personal information such as names on social media accounts MUST not be aliases or monikers.

4. Our loans are not designed for business purposes and for long term use. Our loans are designed to provide financial credits for urgent and unexpected consumer needs before your next employment or business income. Our loan rates could be as high as 240% APR (Annual Percentage Rate).

5. KiaKia is neither a deposit money bank, finance house, micro-finance bank nor fund manager. We are a licensed direct money lender. KiaKia nor any of our affiliate services will never solicit nor ask you for fund deposits with us. Please kindly contact us to report if anyone contacts you soliciting for funds.

6. We will never ask you to share your debit card details either via email, SMS or phone call.

FOR ATTESTERS

1. It is very dangerous to attest anyone whose credibility and reputation you are not sufficiently AND confidently familiar with.

2. If in doubt of a borrower's credibility, it is advised that you decline undertaking the attestation.

3. As an attester, you are at risk of being blacklisted or liable to criminal litigation in the event of a borrower's default (including late repayment).

4. As an attester, you will be unable to apply for a loan on our website while the loan of a borrower remains active.

 INDEX OF TERMS

AFFORDABILITY ASSESSMENT:
It is a calculation performed by the lender to determine the exact loan repayment amount that a customer qualifies for.

ADMINISTRATION FEES:
Money that the lender requires to administer or maintain the agreement.

ACCOUNT STATEMENT:
A summary of your financial transactions (monies paid and owed) over a certain period of time.

ATTESTER:
A credible person who can authenticate and vouch for the financial credibility and reputation of a borrower.

ATTESTATION:
To prove that someone is true and real

BANK ACCOUNT VERIFICATION:
Checking with the bank that you are indeed the owner of the bank account you used in your application.

BANK VERIFICATION NUMBER (BVN):
This is the unique ten-digit biometric information number for identifying and verifying all individuals that have account(s) in any Nigerian banks and consequently, and also a means of authenticating the identity of customers at point of transactions.

CREDIT BUREAUX:
Institutions that hold, issue and investigate reports on consumers credit information.

CREDIT CHECK:
The process of looking into the credit record of a loan applicant to determine if they are financially healthy enough to qualify for a loan.

CREDIT AGREEMENT:
The agreement between a borrower and a lender where a lender gives the borrower money and the borrower has to pay it (and any additional fees and interest) back to the lender.

DIRECT DEBIT MANDATE:
An instruction given to your bank to pay funds across to a third party (in this case Remita), at a fixed amount, on an agreed upon date.

DEFAULTING ON A PAYMENT:
Not providing the money you owe to the lender on the agreed upon date.

DEBT ENFORCEMENT:
The legal procedures a lender can take to collect monies that are overdue.

DEBT COLLECTIONS COMPANY:
A company that is hired by the lender to assist in collecting overdue payments.

EARLY REPAYMENT:
Paying the full outstanding debt amount before the agreed upon date.

FINANCIAL ARREARS:
When you fall behind on your payments, you go into financial arrears.

INTEREST:
The amount that the lender charges a consumer on the outstanding balance of their credit agreement. The percentage rate at which this is calculated every year, is called the Interest Rate.

LOAN INSTALMENT:
The repayment amount due over the time period the borrower agreed to. It is a one-off payment.

OVER-INDEBTEDNESS:
A Consumer is over-indebted when he/she can not afford to repay their debt payments at the end of the month.

ONLINE LOAN:
A loan that you can apply for online (via an internet enabled computer or phone). The process is usually paperless and you do not have to visit the branch or office of the lender.

PENALTY INTEREST:
If the borrower defaults on his/her loan repayment, the lender is allowed to penalize the borrower by adding more interest to the outstanding amount.

TRUST POINTS:
This is a unique incentive system which KiaKiaTM uses to reward and encourage borrowers to be responsible and remain creditworthy. A Trust Point is gained by a borrower when he or she has made a timely repayment, and is structured such that timely loan repayment (on or before due date) earns the borrower 5 Trust points.

UNSECURED LOAN:
A loan that is not supported by the assets (like property or a vehicle) of the borrower and is only backed by the promise of the borrower that he/ she will repay the money owed.

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What are KiaKiaTM Trust Points ?


Trust Points:
This is a unique incentive system which KiaKiaTM uses to reward and encourage borrowers to be responsible and remain credit-worthy. A Trust Point is gained by a borrower when he or she has made a timely repayment, and is structured such that timely loan repayment (on or before due date) earns the borrower 5 Trust points. Each is worth 5 Trust Points! So, 3 stars are equal to 15 Trust Points!

Why do I need KiaKiaTM Trust Points ?
The KiaKiaTM is very useful to all responsible borrowers. Your stars increase with each timely loan repayment. The beauty of it is that you will be rewarded with lower interest rates, your borrowing limit will be increased by a minimum of 50% and an increased loan tenure. That is how excellent the KiaKiaTM is. Climb the credit ladder with KiaKiaTM today!

Earn a KiaKiaTM today! Be limitless and cash-full!

KiaKiaTM...quick money to credible people!

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