Terms of Service

1. Introduction

Welcome to Sierra Microfinance. These Terms of Service ("Terms") govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms and our Privacy Policy.

2. Our Services

Sierra Microfinance provides microfinance services including but not limited to:

• Business loans and financing solutions
• Group lending programs
• Financial literacy training
• Business advisory services

All loan applications are subject to approval based on our credit policies and procedures.

3. Eligibility

To be eligible for our services, you must:

• Be at least 18 years of age
• Be a legal resident of Sierra Leone
• Have a valid government-issued ID
• Meet our credit and risk assessment criteria

4. Loan Terms

All loans are subject to the following terms:

• Loan amounts and interest rates are determined based on creditworthiness
• Repayment schedules will be provided upon loan approval
• Late payments may be subject to additional fees
• Defaulting on loans may result in legal action

5. Privacy

Your privacy is important to us. Please review ourPrivacy Policy to understand how we collect, use, and protect your personal information.

6. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of Sierra Microfinance and is protected by copyright and other intellectual property laws.

7. Limitation of Liability

Sierra Microfinance shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses.