Terms of Use

• Who we are:

  We, PebbleScore Data Services Limited, own and run the website. We are a company based in Nigeria - our company registration number is 1837952 and our registered office is at 15 Ihuntayi road, Oniru estate, Victoria island - Lagos, Nigeria. If you have any questions about this website or these terms, please use the relevant contact details set out on the 'Contact us' page.

• Using our Services

  Services - Details of each Service are provided to you before you sign up and can be found within your PebbleScore account. To use our Services you must be at least 18 years old and resident in our operating countries.
  Your information - You’re responsible for ensuring the information you provide when using our Services is true, accurate and kept up to date.
  Service Notifications - All our notifications to you, communications with you and the language of these Terms will be in English. We’ll send you notifications about our Services and any information the law requires us to provide to the email address associated with your account. For some of our Services, if you’ve provided us with your phone number we may send these service notifications to you by text message.
  Acceptable conduct – By agreeing to these Terms, you agree:

  • to use our Services for your personal, non-commercial and lawful purposes;
  • that you won’t engage in any activity that is harmful or infringes our rights or the rights of others;
  • that you will treat our staff with respect.

  By using Pebblescore, you authorize us to retrieve your credit data from authorized credit bureaus, and present this data to you.

  To provide your accurate credit records, you grant Pebblescore the authority to access your credit data from authorized credit bureaus. This data may include personal information, credit history, outstanding debts, credit scores, and related information. By using Pebblescore, you consent to the retrieval of this data.

  You retain ownership and control over your credit data. Pebblescore will only use your data to underwrite you for loans provided by Pebblescore. We do not sell, rent, or share your data with third parties for marketing purposes without your explicit consent, unless required by law.

  By using Pebblescore, you agree to the following responsibilities:

  1. Provide accurate and truthful information during the account creation process.
  2. Maintain the confidentiality and security of your Pebblescore account credentials.
  3. Use Pebblescore for lawful purposes and comply with all applicable laws and regulations.
  4. Notify Pebblescore promptly of any unauthorized access or use of your account.
  Your rights to cancel – You can stop using our Services at any time and your rights to cancel the Services are provided to you before you sign up and can be found in your PebbleScore account. If you cancel a paid for subscription service your access to that service will end at the end of the relevant paid for billing period.

  Our rights to cancel or suspend – We may stop providing you with the Services, cancel your PebbleScore account and/or suspend your access to the Services if you don’t comply with your responsibilities in these Terms or if your entitlement to receive the Services comes to an end.

  Fraud - If we suspect that you provide false data or we detect fraudulent activity, we’ll record it and we reserve the right to pass it to the police or other fraud prevention agencies.

  Services where you provide PebbleScore with access to your bank account - If we provide you with a third party application that allows PebbleScore to access your bank account, you're responsible for keeping your credentials confidential, and you must take all reasonable steps to keep them safe. They should not be shared, stored or written down by you in a way which someone else might understand. If you think that someone else does know, may have access to, or may have used your PebbleScore credentials, you should contact us and let us know.

  If your Service allows PebbleScore to access your bank account, and we suspect fraudulent use of or are aware of any security threats to your PebbleScore credentials, then we will contact you by email to let you know, unless we believe your email has been compromised in which case we will contact your bank. Your bank will be responsible for contacting you in relation to any fraudulent use of or security threats to your bank log-in details.

• Loan Terms

  Borrower's Obligation;

  1. To pay to PebbleScore or its lending partners, the loan sum, including any convenience, default or penalty fees, flat interest rate, and other amounts due to the Lender charged to this Account. Borrower promises to pay these amounts as agreed in this Agreement on or before the Payment Due Date.
  2. The Lender reserves the right to presume that the Borrower has authorized any loan application made in the name of the Borrower using this Account. The Borrower will be deemed responsible for any unauthorized application using this Account unless the Borrower notifies the Lender, in writing, of imminent fraud by another person on the Borrower's account within 24 hours of such fraud.
  3. To repay the loan given to you and/or to someone you authorized to use this Account via direct cash transfer to a bank account listed by the Lender, an electronic debit from the card/account you provided on the due date, or through an acceptable electronic channel. The Lender reserves the right to accept early repayment before the Payment Due Date, provided the Borrower has given adequate notice and repays the full loan along with the flat interest rate. Loan repayment via electronic debit card may be affected by the Lender in the way and manner hereinafter specified.
  4. To pay all costs of collection if we take any action to collect this Account or take any action In a bankruptcy proceeding filed by or against you. This shall include unless prohibited by applicable law, reasonable attorneys' fees and expenses incurred while collection lasts.
  5. Not to give us false information or signatures, electronic or otherwise, At any time.
  6. To pay a Late Fee or penalty fee as may be provided in these terms and Conditions.
  7. To make all payments via direct debit on cards, accounts or by electronic Funds transfer as stated in the application form.
  8. To promptly notify us if you change your name, mailing address, e-mail Address or telephone number.
  9. That you will not accept this Account unless you are of legal age and have the capacity to enter into a valid contract.
  10. Not to use PebbleScore for any act of illegality or criminality and PebbleScore and Its partners shall not be legally or criminally culpable for any illegality committed by you.
  11. To fill out the application form (as provided) with accurate information and details as required.
  Lender's Obligation;
• To make available the loan/credit facility to the Borrower of a figure not less than N1, 000. 00 (One Thousand Naira only)
• To perform its obligation as above upon confirmation by the Lender of the Borrower's identity and personal information
• To demand repayment for the borrower as and when due
• To conduct investigations on the Borrower prior to final approval of a loan by lender
• To use all reasonable and legitimate means to collect the amount extended to the Borrower, the default fee, the transaction fees and any other penalty fee imposed on the Borrower as a result of the loan.
• Not to store or save Borrower's debit or credit card details given by the Borrower in the application form

NOTE: Maximum Annual Percentage Rate (APR) is 24%.

Representative example: Representative 24% APR. Based on a loan amount of ₦500,000 over 12 months at an interest rate of 24% p.a (Fixed). The monthly repayment is ₦51,666.67. The total amount repayable is ₦620,000