Terms & Conditions

Welcome to Akopesam Credit!

The Akopesam Credit, website and/or software application (jointly and severally referred to as, the (“service”) enables you to remotely commence and conclude the process of the application and securing of loan facility as a serving officer of the Nigeria Police Force. The Service is operated by Akopesam Credit Limited (“Akopesam Credit”), subject to the Terms appearing below:

This is a contract:

These Terms constitute a contract between you and Akopesam Credit. If you do not accept these Terms, please do not use the Service. By using any part of the Service, you accept these Terms. If you are not a serving member of the Nigeria Police Force or under eighteen (18) years of age, you may not use the Service.

By proceeding in the use of this site, you represent and are bound by your representation that you are above eighteen (18) years of age.

You must register an account with valid information:

To use the Service, you must: (a) provide your service number and current placement; (b) BVN; (c) agree to the creation of a profile and particulars to be associated and used in the operation of your Akopesam Credit account; (d) accept the current Terms; and (e) agree to submit such other (and additional) information as Akopesam Credit may request in line with regulatory/legal provisions. You agree to provide true, accurate and complete information about yourself as prompted by Akopesam Credit during the account registration process. You will be given the option of receiving a unique PIN for purposes of reusing your account. You are responsible for keeping your PIN secure at all times, without reservation. For the avoidance of doubt, Akopesam Credit will not be responsible when/where you compromise your details by disclosing it to third parties.

Data privacy:

We take the matters of protection and security of our users’ information very seriously. Akopesam Credit’s privacy policy governing the Service is attached to these Terms (“Privacy Policy”). The Privacy Policy is incorporated into these Terms by this reference. By using the Service, you agree to the use of your data in accordance with Akopesam Credit’sPrivacy Policy. The Privacy Policy addresses only the information collected by Akopesam Credit in providing the Service to you.

You must not use the Service to violate any laws:

You must not use the Service to violate or infringe the rights of any other person, including the rights of other users and Akopesam Credit’srights in the Service.

You must not breach any laws or regulations when using the Service or attempt to disrupt or interfere with the security or functionality of the Service.

In the event that Akopesam Credit reasonably suspects that you are using the Services for illegal activities (particularly fraud, money laundering or other related illegalities), Akopesam Credit reserves the right to block your account immediately without liability. Such illegalities as mentioned above may be as a result of enacted laws, court judgments, rulings or pronouncements, or regulatory policies and guidelines to which Akopesam Credit is bound. If a breach is associated with your account, you agree that we have the right to apply restrictions to your account and report to the appropriate law enforcement agencies and or regulator, in line with extant laws.

Akopesam Credit may contact you regarding your account or the Service.

You expressly agree that, as part of the Service, you may, from time to time, receive communications from Akopesam Credit via email, instant message, telephone, text message (SMS) or other means. You may elect to stop receiving promotional messages by emailing your request to opt-out, along with your cell phone number, to support@akopesamcredits.com and follow the opt-out instructions in the message.

Please note that opting out of receiving promotional messages does not extend to opting out of the receipt of service-related messages as these ensure that we are able to deliver accurate, relevant, sensitive and security-related services to you.

Akopesam Credit may contact you regarding your account or the Service.

Akopesam Credit may, in furtherance of regulatory, time-sensitive and security-related purposes, terminate your access to the Service or discontinue providing the Service or any part of the Service, with due notice to you [or without notice where the suspension or termination is expedient to forestall, curb or extinguish some ongoing fraud, industry-wide compromise or an ongoing financial crime-related investigation]. Rest assured that we will provide as much notice as the circumstance allows, and restore the Service at the earliest convenience. You agree that in the event of the foregoing, Akopesam Credit will not be responsible or liable to you or any third party.

You agree to arbitrate any disputes.

This Agreement is subject to, and shall be governed by, and construed in accordance with the laws of Nigeria, without reference to the principles of conflict of laws thereof. Any matters arising concerning the interpretation, validity or implementation of this Agreement not solved by mutual agreement between the Parties shall be submitted to arbitration in the English language before a sole arbitrator to take place in Lagos, Nigeria as the seat of the arbitration. The arbitration shall be conducted pursuant to the Rules of Arbitration of the Chartered Institute of Arbitrators of the United Kingdom. The arbitral decision shall be final and binding on the Parties and may be made an order of court. The Parties unconditionally consent and submit to the jurisdiction of the High Court of Lagos, Nigeria for such purpose. Nothing in this Agreement will be deemed as preventing Akopesam Credit from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the Parties and the subject matter of the dispute as is necessary to protect Akopesam Credit’s name, proprietary information, trade secrets, know-how, or any other intellectual property rights.

Akopesam Credit may modify these Terms.

We may modify these Terms and related policies (including, but not limited to the Privacy Policy) at any time in the future. Where this happens, we will communicate the changes to you. By continuing to use the Service, you agree to be bound by the latest version of these Terms. It is your responsibility to familiarize yourself with the communicated changes.

Alteration. No alteration, variation or agreed cancellation of this agreement, and the Privacy Policy, shall be of any effect unless so directed by us.

Whole Agreement. This Agreement constitutes the whole agreement between the parties in regard to the subject matter hereof and no warranties or representations of any nature whatsoever other than set out in this agreement have been given by any of the parties.

Waiver/Relaxation. No relaxation or indulgence which Akopesam Credit may show to you shall in any way prejudice or be deemed to be a waiver of its rights hereunder.

Survival. Each and every provision of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) shall be deemed to be separate and severable from the remaining provisions of this Agreement. If any of the provisions of this Agreement (excluding only those provisions which are essential at law for a valid and binding Agreement to be constituted) is found by any court of competent jurisdiction to be invalid and/or unenforceable then, notwithstanding such invalidity and/or unenforceability, the remaining provisions of this Agreement shall be (and remain) of full force and effect.