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Terms of Use

Terms of Use


1. ABOUT THESE USE TERMS

We respectfully request that you read these terms of use carefully. By registering for or using any aspect of the Tari Loan service, you attest that you have read, understood, accepted, and agreed to these Terms of Use. These Terms of Use apply to both an electronic financial service and an end-user licensing agreement. You are not allowed to access or use any portion of the website if you disagree with the terms of use. These Terms of Use establish a legally enforceable contract between Tari Loan ("we," "us," or "our") and you, the individual user ("you" or "your").

The promulgation date is the day on which these Terms of Use go into effect, as well as any ensuing revisions or amendments.

2. ACCREDITATION AND RESPONSIBILITY

By signing this agreement, you confirm that you have read and accept the following:

2.1 By agreeing to these terms, you acknowledge that they are legally binding on you and that you will fulfill your end of the bargain.

2.2 You accept the Terms of Use and all relevant laws after finishing this document. Additionally, you are aware that it is your duty to inform us of any infractions of the aforementioned guidelines.

2.3 The system and service shall only be used for approved purposes and in accordance with their declared objectives.

2.4 It is your responsibility to ensure that all of the personal information, supporting documentation, and login credentials you provide to us or use the system are accurate, full, current, and free of fraud.

2.5 Access is only allowed to approved accounts and internet access locations.

2.6 You are prohibited from any form of dishonesty.

2.7 It is completely prohibited to interfere with or jeopardize the network that the system is connected to and operates on.

3. AGREE TO THESE TERMS OF USE

3.1 By downloading, streaming, or registering with us, you attest that you have read and comprehend these Terms of Use in their entirety. We reserve the right to modify these Terms of Use at any time. The use and operation of the app and account will be governed by these terms.

3.2 As soon as you install the software and click the "Accept" link on our system, you will be legally obligated to follow these terms of use.

3.3 By installing the application and setting up an account, you acknowledge and agree to the Terms of Use, which regulate how the account is used. Furthermore, you attest that this agreement has no bearing on any other legal or equitable rights we may have about the account.

3.4 These conditions are subject to change at any time. By continuing to use the service, you accept these changes and the associated conditions. Any modifications will be communicated to you in a fair and suitable way.

3.5 The website is occasionally used to improve the program. Depending on the modification, you may need to download or stream the latest version of the app and agree to any new terms and conditions before using the service.

3.6 By using the App or any of the services, you consent to the collection and use of technical data about the mobile device and any associated hardware, software, and accessories for the purpose of providing internet-based or wireless services. Our products and services are improved by using this data. In order to enhance our service, your app experience, and/or our credit scoring services, you grant us, our affiliates, and licensees permission to send, collect, store, process, and use your data.

3.7 If we are unable to contact you through other means or if we have not yet received payment for the loan mentioned in this Clause 9, you grant us permission to phone you and your emergency contact, if they have consented, to verify your information.

4. THE WAY

4.1 Our service is only available to those who are at least eighteen years old. We reserve the right to contact the appropriate mobile money provider in order to confirm the legitimacy and present state of your account.

4.2 The application will inform you of the approval or rejection of your account application. Furthermore, you acknowledge and accept that the approval of your account application does not establish a contract between you and the mobile money providers, with the exception of any limitations and restrictions that may periodically apply to your account.

4.3 Your loan application may be denied or withdrawn at any time without providing you with a reason or prior notification, at our sole and final discretion.

4.4 We reserve the right to approve, reject, or modify the terms of any loan based on our ongoing evaluation of your credit profile. Each loan application's terms and interest will be displayed on the form.

5. PERMISSIONS AND RESTRICTIONS

All rights are reserved and permitted.

5.1 We and our licensors (if any) grant you a limited, revocable, non-exclusive, non-transferable, royalty-free license to access and use the system for your personal use only, provided that you comply with the Agreement and these Terms of Use.

5.2 We and our licensors, if any, reserve all rights not expressly granted to you under these Terms of Use. These Terms of Use do not grant you any ownership rights, either full or partial, over the system.

5.3 You are prohibited from:

5.3.1 To sell, resell, transfer, assign, distribute, sublicense, or use in any other way for profit, or to make the system accessible to any third party.

5.3.2 access or reverse engineer the primary software, alter, or create system derivatives;

5.3.3 Reproducing any of the following: attempt to access the system or related systems or networks without authorization; use the system to develop a competing product or service; or launch an automated program or script that could generate a large number of server requests in a single second or that needlessly impedes or burdens the system's functionality.

5.3.4 Any software or application can be used to extract, index, "data mine," or replicate the system's navigation, display, or content.

5.3.5 Post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent, or remove any notices of copyright, trademarks, or other proprietary rights from the system.

5.3.6 disseminate, retain, or exert control over any content in order to engage in illegal or unethical behavior;

5.3.7 propagate unsolicited communications (such as spam), make false claims, lose your temper, or become irritated;

5.3.8 It is permissible to transmit or retain any tortious or unlawful content, including information that is threatening, defamatory, offensive, or infringing.

5.3.9 disseminate content that contains viruses, trojan horses, agents, software infections, malicious files, or programs.

5.3.10 It hinders the system's or its data's functionality.

5.3.11 Falsify their association with an individual or organization;

5.3.12 intentionally providing a false address; or

5.3.13 Any significant personal information that could affect our decision to collaborate with you in the future is generated by

5.3.14 jeopardize our company's or any group company's reputation;

5.3.15 Try to obtain or collect any information or data from our systems or any service, or decipher any messages sent to or received from the servers that house any service.

6. YOU ARE OWED AN INVENTORY  

Before you may use the system as a user, you must first create and maintain an account as an App user.

6.2 You are accountable for anything that occurs on your account. It's you.

6.2.1 A single account suffices.

6.2.2 You are in charge of safeguarding the confidentiality and integrity of the information associated with your account.

6.2.3 It is against the law to give your account, any of your data, or the account itself to another else.

6.2.4 Please notify us immediately if you think someone else has accessed or used your account without permission.

6.3 In addition to any other rights and remedies, we reserve the right to restrict or eliminate access to your account and/or the App's functionality:

6.3.1 Only we have the authority to take action if we discover that you have violated any of these terms of use.

6.3.2 while an inquiry is being conducted;

6.3.3 If any debts, such as taxes, principle, interest, service fees, or other sums, are owed by us or any of our group businesses;

6.3.4 Should these Terms of Use be terminated for any reason; or

6.3.5 at any other moment, provided that it is consistent with our logical deduction.

7. YOUR QUESTIONS

7.1 By using the system, you grant us the unalienable right to respond to any requests you send us or that you assume are from you. You are accountable for any such actions.

7.2 We reserve the right to reject any request you make about a loan application, regardless of whether you have previously received a loan from us.

7.3 We may approve and proceed with any request that is ambiguous or lacks information if, at our sole discretion, we believe that the information can be processed without your assistance.

7.4 Even if the request was made, sent, or otherwise communicated in an untruthful or dishonest way, we shall nevertheless be considered to have acted appropriately and fulfilled all of our obligations to you. You will be in charge of our sincere responses to requests if you provide us with the proper guidance.

7.5 We reserve the right to not act upon or comply with all or any part of your request until you provide us with additional information or confirmation, whether in writing or not.

7.6 You agree to release and indemnify us from all claims, losses, damages, costs, and expenses that may arise from our fulfillment of your requests or from our failure to exercise the discretion you have granted us by allowing us to execute all or any of your requests.

7.7 You acknowledge and agree that we will not be held accountable for any unauthorized withdrawal, transfer, remittance, disclosure, activity, or incident on your account that arises from your knowledge, use, or manipulation of your account PIN, password, ID, or any other means, regardless of whether your carelessness was the cause. This is in line with the maximum amount permitted by the applicable laws.

7.8 We are allowed to fulfill any obligations pertaining to your account that may be mandated by a court order, an organization, or a qualified agency in accordance with current legislation.

In the event of a dispute, these Terms of Use will take precedence over any requests you make.

8. IS THERE A FEE TO PAY?

8.1 You are responsible for maintaining the security and functionality of your mobile device, which is required to access the system and the service. You are solely to blame for this incident.

8.2 It is your responsibility to make sure your mobile device is performing at its best. We specifically disclaim any liability for computer viruses and other issues that may arise during the use of the system, mobile device, or service. Furthermore, we expressly disclaim any responsibility for any errors or issues that may arise from a defective equipment. We are not liable for any losses or delays caused by the service provider that provides your network connection. You are therefore liable for all associated expenses.

8.3 The application can be accessed on a mobile device. Verifying that the downloaded application is compatible with your mobile device is your responsibility. If the app doesn't work on your device or you don't have the most recent version installed, we won't be responsible.

8.4 If your mobile device is lost, stolen, broken, or no longer in your possession and this affects our legal rights and/or remedies in any other manner, including providing your account information and credentials to a third party, you must contact us immediately and follow our instructions. We won't be responsible if a third party is able to obtain your account information and login credentials. By using your login credentials and account information, you agree to hold us harmless and to indemnify us for any associated losses.

8.5 You are responsible for selecting an appropriate internet and mobile plan and paying any fees your MSP may impose for phone, SMS, and internet data usage. You acknowledge that the system may use a lot of data while you are using it, and you agree to pay for any associated costs and usage.

8.6 By using the system and the service, you agree to follow all guidelines, rules, and instructions contained in these Terms of Use and any other materials we may provide.

8.7 You are responsible for implementing the necessary security measures to prevent any unauthorized use of the system. As a result, you or a representative need to check and validate all of our correspondence very away. This will ensure that any unauthorized access or use of the system will be identified. If any of the following occur, you must contact us immediately:

8.7.1 You suspect that the service has been or may be used illegally, or that a transaction has been illegally entered or compromised.

8.7.2 You are responsible for adhering to any security protocols that we may regularly notify you of, as well as any other protocols that may be pertinent to the service. You are aware that your account's privacy may be at risk if you don't adhere to the recommended security protocols. You are responsible for ensuring that the service is only accessible to those who have been granted permission to use it, submit requests, or perform any associated tasks.

9. THE TERMINOLOGY OF FINANCE

Service fees and interest

9.1 The application will display the total amount of interest owed on each loan. We reserve the right to change or permanently change our service prices during this time, as well as to determine and collect service fees related to your use of the service. The application will display the services if we choose to charge for them or if they are already accessible and being modified. You will be promptly informed of any modifications to the service fees before they are introduced. One way to do this could be to notify users of software changes.

9.2 Unless otherwise mandated by law, you agree to pay all sums owed under these Terms of Use in full, without any withholdings or deductions, and without any counterclaims or setoffs. You must promptly pay us the relevant additional amounts if you are required to withhold or deduct any amount from any payments you make to us. This is to ensure that we receive the full amount that would have been paid to us in the absence of any deduction or withholding.

9.3 We reserve the right to impose late penalties on the amount you were lent if you fail to make any payments by the due date. The app will notify users in advance of these fines.

Taxes

9.4 The amount of any payments you must make in accordance with these Terms of Use and loan does not include any taxes you owe. If taxes are owed in connection with the payment, you agree to pay us the additional amount multiplied by the applicable tax rate. This requirement must be fulfilled in addition to the payment or delivery of the items at our request, regardless of whether the connection is terminated.

9.5 By consenting, you allow us to deduct funds from your account in accordance with any applicable laws, tax authority agreements, internal policies, or rulings or sanctions issued by the relevant tax authority.

Payments

9.6 You agree to pay the principle, interest, service fees, and tax associated with these Terms of Use and the loan using the regularly displayed and accessible means on the App, either before to or on the due date.

9.7 Local currency must be used to settle all transactions within the Territory.

10. AN INDISPUTESABLE NEED

10.1 When you: This event is initiated by default.

10.1.1 Declaring bankruptcy or failing to pay any interest, service fees, or taxes on a loan issued under these terms of use for a period of fifteen (15) consecutive days, unless the nonpayment is entirely the result of a technical issue or administrative error.

10.2 At any time after a persistent default event, we may take the following actions without giving up any additional rights or remedies we may have under the applicable law:

10.2.1 These Terms of Use will expire in accordance with Clause 11 of this document.

10.2.2 Declare that the loan is immediately due and payable and will be so at any time, together with any interest, service fees, taxes, and other amounts owed under these terms of use.

If you are unable to make a payment, we will impose late costs, which will be indicated on the application.

11. FINISHING AND TERM

11.1 These Terms of Use shall be in effect until they are terminated in accordance with their terms.

11.2 We reserve the right to terminate your account, the system, the service, and these Terms of Use in whole or in part at any time.

11.2.1 by providing you with notice at any time and for any reason;

11.2.2 Without affecting our other rights and remedies, you will be immediately terminated, with or without warning, if you violate any of these Terms of Use.

11.2.3 In the event that your mobile network operator or mobile money provider terminates your contract or account for any reason;

11.2.4 When your account is dormant or inactive, when security or technical problems necessitate a suspension or termination, or when regular updates or enhancements are required for the service's features or contents.

11.2.5 If a rule is needed by the government, a court, a regulator, or another relevant body, or

11.2.6 Whether or not the service is commercial, if we choose to discontinue it for any reason,

11.3 In the event that these terms of use change or are terminated for any reason, you will be held accountable for:

11.3.1 Any outstanding taxes, transaction fees, principal, or interest will be immediately due and payable upon termination.

11.3.2 Remove the application from your mobile device completely and right away.

11.4 Nevertheless, the termination will not affect either party's obligations or rights.

11.5 The parties shall not be obliged to uphold any rights or obligations specified in the conditions of use, with the exception of any extra requirements that are specifically or by their very nature intended to continue after termination. When the Terms of Use are terminated, these clauses will take effect regardless of any rights or obligations that each party may have at the time.

12. EXCLUSIONS FOR LIABILITY AND INDEMNITY

Recipients

12.1 By signing this agreement, you consent to the protection and release of us, our licensors, and each of these parties' Affiliates, as well as their officers, directors, members, employees, and agents, from any claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) arising from or related to:

12.1.1 Your disregard for the Nigeria Data Protection Act of 2023, our usage guidelines, and other pertinent legislation; and

12.1.2 How you utilize the service or system, such as:

12.1.2.1 claims made by third parties as a result of your use of the system or service;

12.1.2.2 Any damage brought on by the ownership, misuse, or negligence of third-party software, including operating systems, browsers, and other installed applications;

12.1.2.3 Any unauthorized access to your account, data loss or access, or damage, theft, or destruction of your mobile device; and

12.1.2.4 Any loss or damage we may incur as a result of a violation of these Terms of Use, including but not limited to third-party systems or facilities that are unavailable or malfunctioning, third parties that provide inaccurate information, or third parties that are unable to complete a transaction.

Exclusion of Liability

12.2 We will not be responsible for any losses you may incur if any of your mobile devices malfunction or if the service is interrupted or unavailable for any reason that is not within our control, such as an error or force majeure, a system failure caused by terrorist or enemy activity, a power outage, inclement weather or atmospheric conditions, or a failure of any public or private telecommunications system.

12.3 The application is only intended for personal use. We are not liable for any lost revenue, business disruptions, or lost opportunities. You are aware that this application is not intended for commercial usage, sales, or trade.

12.4 You acknowledge that we are not liable for any losses or damages resulting from or connected to:

12.4.1 any defect or issue brought on by your modification or customization of the program or service;

12.4.2 any issue or defect with the application caused by your violation of these terms of use;

12.4.3 The sixth clause has been violated.

12.4.4 Your mobile money account does not have enough funds.

12.4.5 You fail to give adequate and explicit instructions for any payments or transfers pertaining to your account; a lawsuit or other legal action involving your account funds prevents payments or transfers; or your mobile device, network, system, or mobile money system malfunctions, fails, is unavailable, or is otherwise interrupted.

12.4.6 Using the system, your mobile device, or the service in an unethical or unlawful manner; or

12.4.7 Your failure to abide by these usage guidelines and any other instructions we may have provided on the system and service.

12.5 Even if we are aware that the service may cause indirect or consequential loss or damage of any kind, we will not be held accountable for it for any reason. Insurance does not cover losses and damages.

12.6 Our maximum aggregate liability with respect to the App, the system, the service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the service fees you paid us in connection with the first event giving rise to a claim under these terms of use, to the extent permitted by applicable law and unless otherwise specified in these terms of use.

12.7 Unless otherwise specified in these Terms of Use, you have six (6) months from the date of any claims you may have against us about the App, the system, the service, or these Terms of Use to notify us of those claims. If you do not comply, you will forfeit any rights and remedies you may have in relation to this claim to the fullest extent permitted by relevant law.

12.8 In particular, we disclaim any responsibility for:

12.8.1 Unpredictable communications infrastructure issues that may impact the accuracy or timeliness of messages you send or the information you receive from the application;

12.8.2 unexpected loss or disruption in the delivery of messages or content from third-party software, like a mobile network service provider or Internet service provider;

potentially harmful viruses that could infect your mobile device or other property while you were reading or using the program;

11.8.1.4 Any data or correspondence that is utilized or intercepted by our systems or the application without authorization prior to its receipt;

12.8.5 Unless it is due to our negligence, misconduct, or a violation of the laws safeguarding personal data, we will not be held accountable for any unauthorized use or access to the information we maintain about you or your transactions, to the maximum extent permitted by applicable law.

12.8.6 Any content that is not produced in the country.

13. DISCLAIMER FOR APPS AND WEBSITES BY THIRD PARTIES

13.1 The service or application may contain references to and links to other third-party websites or mobile applications ("Third Party Sites or Apps"). The purpose of these links is to provide you with access to potentially fascinating content. We do not sponsor or support any products, services, information, concepts, or viewpoints on any websites or applications that we link to.

13.2 The accuracy, completeness, dependability, and appropriateness of the information on any third-party websites or applications are not guaranteed by us, either explicitly or implicitly. We are unable to guarantee that third-party apps or websites won't be accused of violating trademark, copyright, or other legal requirements. We are unable to guarantee that third-party applications or websites are virus- or malware-free.

13.3 You are aware that third-party websites and apps can have less security and differing privacy practices from ours. Whether you decide to use or access any third-party website or application, or whether you purchase or utilize any products or services that are advertised or promoted on the website, is completely up to you.

14. CONTACT US DIRECTLY THROUGH MARKETING

You consent to receiving direct marketing communications from us by using the services. If you would like to discontinue receiving our marketing messages, please email us the appropriate letter.

15. DISPUTE RESOLUTION

15.1 Nigerian law will govern these Terms of Use (and any issues that may arise out of or relate to them, including any purported infraction or challenge to the legality or enforceability of these Terms of Use or any part hereof), unless your country's laws specify otherwise. If so, the laws of your jurisdiction will apply to these Terms of Use.

15.2 Any disagreement, issue, or dispute arising out of or related to these Terms of Use will be sent to a single arbitrator for a final determination, unless otherwise provided in this document or agreed upon by the parties hereto. If an agreement cannot be reached, the chairman of the Nigeria Branch of the Chartered Institute of Arbitrators ("Institute") may instead grant any party's request within seven (7) days of the other party informing the chairman.

15.3 The arbitration will be held in Lagos, Nigeria, in accordance with the Nigerian Arbitration and Conciliation Act.

15.4 The arbitrator's decision will be legally binding on the parties to the degree that it can be implemented.

15.5 Either party may file a complaint in any manner to obtain interim or conservatory measures, or preliminary injunctive relief, from any court with the requisite authority until the arbitrator renders a final decision or award.

16. ENGAGING IN A GLOBAL CONVERSATION

16.1 We are not liable for any delays or issues with performance caused by events beyond our reasonable control.

16.2 We will never divulge to third parties any private information pertaining to our company's activities, affairs, clients, customers, or suppliers.

16.3 You acknowledge and agree that, in our sole discretion, we may assign or transfer all or a portion of the creditor's rights to the loan at any time and without prior notice. Your obligations under these Terms will not be affected by the aforementioned Transfer. The payment must be made in accordance with the application's guidelines.

16.4 We reserve the right to change these Terms of Use at our sole discretion. Although we will make every effort to inform you of any significant changes, you acknowledge and agree that it is your responsibility to examine the Terms of Use on a regular basis. If you continue to use the system and service, it will be assumed that you have accepted these changes.

16.5 The cumulative rights and remedies granted to each party under these Terms of Use take precedence over any legal remedies. They must be explicitly and in writing renounced. A right is not considered forfeited if it is not immediately employed or exercised.

16.6 The parties acknowledge and concur that these Terms of Use supersede all prior agreements or understandings relating to the subject matter. Furthermore, the parties expressly disclaim any implied claims of authenticity. The parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use, unless specifically noted in these Terms of Use or as required by relevant law. Any rights, remedies, and claims that each party would have had in the absence of this article are hereby completely and irreversibly forfeited. This is true for everything on the list above. These Terms of Use do not restrict or remove liability for fraud or any other liability prohibited by applicable law.

16.7 You may not assign, sublicense, transfer, sublet, or otherwise dispose of any of your rights or obligations under these Terms of Use without our prior written agreement. We may assign, sublicense, transfer, sublet, or otherwise deal with our rights or responsibilities under these Terms of Use at any time without prior notice or consent, unless otherwise required by applicable law.

16.8 These Terms of Use shall remain in full force and effect even in the event that a court or other authorized authority determines that any portion of them is unlawful, invalid, or unenforceable under applicable law. The relevant section of these Terms of Use will be replaced by a provision that is both legally required and, to the greatest degree possible, equivalent to the missing component.

16.9 These Terms of Use may not be enforced or relied upon by third parties.

16.10 To notify you, we might send an email to the address you provided in your account, post a general message on the App or the system, or do both. To inform us, please send an email to solve@tariloan.com.

16.11 If you have any queries or concerns with the system or service, please send an email to solve@tariloan.com.

17. THE LOAN COLLECTION AND CUSTOMER COMMUNICATION DISCIPLINARY PROCEDURE

All employees must behave and communicate with professionalism and integrity, regardless of whether a client is in debt or not.

Loan collectors, recovery agents, and customer service staff are prohibited from using any form of defamation, threats, or libelous language against customers and their associates when attempting to collect debts or address complaints. If employees willingly engage in any of the aforementioned activities, they will be held accountable for their decisions.

18. ADVERTISING AND PROMOTION OF SERVICES

We are committed to ensuring that all marketing materials and advertisements comply with the Nigerian Code of Advertising Practice, which is supervised by the Advertising Practitioners Council of Nigeria, in addition to any other relevant laws and regulations that are currently in effect in the Federal Republic of Nigeria. We also pledge that all of our advertisements will be honest, direct, and considerate. Additionally, these products will be produced in accordance with the rules governing fair competition and with a strong sense of social responsibility.

19. ELIMINATION OF TELEMARKETING

We will not utilize unwanted telemarketing unless it is disclosed:

19.1 Provide a succinct description of the communication's declared purpose, the sender, or the recipient.

19.2 the specifics of the product or service being discussed;

We shall follow any "call" or "do-not-call" decisions made by the customer at the time of signing a service agreement or later, in addition to any other rules that may occasionally be implemented by an appropriate organization.

In spite of the preceding section, it is imperative that a will guarantee that:

19.3 Customers cannot be subjected to unsolicited voice calls or short messaging services without their consent.

19.4 Unwanted voicemails and short message services should always be able to be accepted or rejected by customers.

19.5 We have simplified all of these processes to allow customers to select the type of unsolicited calls or short message services they wish to receive or to opt out of getting any unsolicited phone calls or short message services.

20. TECHNIQUES FOR CLIENT COLLECTION, INVOKING, BILLING, AND CREDITING

We promise that:

20.1 The consumer must have unrestricted access to the information in order to verify it on the bill or elsewhere.

20.2 We will give clients accurate, timely, and current information on the terms and circumstances of the invoice, along with any pertinent alternatives, upon receiving a valid request.

20.3 It records a customer's invoice and associated expenses for a minimum of one year (12 months); and

The term "billing" or "bill" refers to the Licensee's recording and processing procedures for the purposes of comprehending the requirements outlined in this section.

21. ACHIEVABLE RESULTS

21.1 A variety of clearly comprehensible media and forms will be made accessible for our complaint procedures. We will also continue to provide any further pertinent information we come across.

21.2 A paragraph that is easy to understand must provide all pertinent information on complaint procedures.

21.3 We will develop a complaint management strategy that includes Alternative Dispute Resolution (ADR) and several efficient, clear, and user-friendly complaint procedures.

21.4 We guarantee that customers can quickly learn how to file a complaint.

21.5 The standards for the complaints processing procedures must contain information about the consumer's right to file a complaint.

21.5.1 Concerning the grievance submission procedure; and

21.5.2 The types of supporting material that the complainant is required to include with the complaint.

21.5.3 All complaints must be documented and addressed in accordance with established policies and procedures.

22. THE INCIDENT REPORTING PROCEDURE

We will ensure that existing procedures for accepting and addressing complaints do not discourage consumers from submitting them. Any issues will be resolved by the protocol solve@tariloan.com.

23. ANALYZATION HELPPER

23.1 We guarantee that any disclaimer in an advertisement will be unambiguous.

23.2 The disclaimer does not conflict with the primary objective or content of the advertisement.

23.3 A succinct and unambiguous disclaimer that is appropriate for the format or media being used is present.

23.4 The advertisement's recipient or target audience is determined.