Terms & Conditions
Effective Date: 1st January 2025
Last Updated: 1st January 2025
Welcome to BrightPath Credit Limited (“we,” “our,” or “us”). These Terms of Service (“Terms”) govern your access to and use of our website, services, and products, including loan facilities, financial tools, and any related features we may provide (collectively, the “Services”).
By accessing or using our Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
1. Eligibility
You must be at least 18 years old and legally capable of entering into binding agreements.
By applying for a loan or using our Services, you confirm that all information provided is accurate, complete, and up to date.
2. Use of Services
You agree to use our Services only for lawful purposes and in accordance with these Terms.
You must not use our website or Services to engage in fraud, misrepresentation, or unlawful financial activity.
We reserve the right to suspend or terminate your access if you breach these Terms.
3. Loan Applications and Approvals
Loan applications are subject to our internal assessment, credit checks, and approval criteria.
Submission of an application does not guarantee approval.
Approved loans will be governed by separate Loan Agreement(s) outlining repayment terms, interest rates, fees, and penalties.
4. Fees, Charges, and Interest
All fees, charges, and interest applicable to our Services will be clearly disclosed in your Loan Agreement.
Late repayment may attract penalties, additional interest, and/or recovery actions in accordance with applicable laws.
5. Privacy and Data Protection
We value your privacy. Personal information collected through our website will be handled in accordance with our Privacy Policy.
By using our Services, you consent to the collection, storage, and processing of your information for purposes including loan assessment, credit reporting, and regulatory compliance.
6. Intellectual Property
All content on our website (logos, text, graphics, software, etc.) is the property of BrightPath Credit Limited and protected by intellectual property laws.
You may not reproduce, distribute, or exploit our content without prior written consent.
7. Disclaimers
Our Services are provided “as is” and “as available.” We make no warranties, express or implied, regarding accuracy, completeness, or reliability of the information on our website.
We are not liable for losses resulting from:
Delays or errors in loan processing caused by incorrect information provided by you.
Technical issues beyond our control (e.g., internet downtime).
8. Limitation of Liability
To the maximum extent permitted by law, BrightPath Credit Limited shall not be liable for any indirect, incidental, or consequential damages arising from your use of our Services.
Our liability, if any, will be limited to the value of the loan or service in dispute.
9. Third-Party Links
Our website may contain links to third-party websites. These are provided for convenience only.
We are not responsible for the content, products, or services offered on third-party sites.
10. Termination
We may suspend or terminate your access to our Services at any time, without notice, if you breach these Terms or applicable laws.
Termination does not affect your obligations under any outstanding Loan Agreement.
11. Governing Law
These Terms shall be governed by and construed in accordance with the laws of Kenya.
Any disputes arising will be subject to the jurisdiction of the courts of Kenya.
12. Changes to Terms
We reserve the right to update or modify these Terms at any time.
Changes will be posted on our website, and continued use of our Services after such changes constitutes acceptance.
13. Contact Us
For questions or concerns about these Terms, please contact:
BrightPath Credit Limited
Email: info@brightpathcredit.co.ke
Phone: 0737972272
Address: P.O. Box 1805 – 6100 Embu