Smile Credit Terms Addendum

1. Relationship to the General Terms

This Addendum supplements, and forms part of, our General Terms of Service. It applies specifically to Smile Credit, GreenfinityOne's diaspora credit facility. Where a provision of this Addendum conflicts with the General Terms, this Addendum governs for Smile Credit matters. Everything in the General Terms — including eligibility baseline, prohibited activities, intellectual property, limitation of liability, dispute resolution, and governing law (the laws of the Federal Republic of Nigeria) — continues to apply.

2. Product Eligibility

To apply for Smile Credit, in addition to the general eligibility criteria in our General Terms, you must:

• Be a Nigerian national or eligible diaspora resident, physically residing in an approved diaspora jurisdiction (United Kingdom, United States, Canada, or a European Union member state).
• Hold a valid international passport.
• Complete our diaspora KYC process, which includes NIN and BVN verification, proof of foreign address, proof of employment or income, and a facial recognition / liveness check.
• Provide the guarantor information described in Section 3 below.

3. Guarantor Requirements

Smile Credit applications require guarantor information collected at two points in your relationship with us:

• First guarantor / next-of-kin details — collected as part of your Smile Credit onboarding, before you submit any loan application.
• Second guarantor — a non-family contact whose details you provide at the time you submit a specific loan application, since this person may vary between applications. This includes their full name, relationship to you, and contact details.

You confirm that you have the consent of any guarantor whose details you submit, and that we, or our field agents, may contact your guarantors to verify the information provided and, where necessary, in connection with the administration or recovery of your loan.

4. Loan Terms

• Loan amounts, interest rates, and repayment tenures are determined on a per-application basis and communicated to you prior to disbursement.
• Tenure ranges from 1 to 12 months (30–365 days), as selected or agreed at application.
• Interest rates are calculated as disclosed in your loan offer and comply with CBN interest rate guidelines.
• Submitting an application does not guarantee approval. Approval is subject to KYC verification, credit assessment, and admin review.

5. Disbursement

Disbursement of an approved Smile Credit loan is subject to:

• Successful completion of KYC verification, including guarantor verification.
• Admin approval of the loan offer.
• Where applicable, field agent verification of the information provided in your application.

6. Repayment

You agree to repay the principal, interest, and any applicable fees according to the repayment schedule set out in your accepted loan offer. Late or missed repayments are subject to the consequences described in our General Terms (Section 6: Repayment Obligations), including penalty charges, credit bureau reporting, debt recovery action, and account restriction.

7. Fees

Processing and administration fees applicable to your Smile Credit application will be disclosed in your loan offer before you accept it, consistent with Section 5 (Fees and Charges) of our General Terms.

8. Contact

For questions about Smile Credit or this Addendum, please contact:

Greenfinity Integrated Limited
Email: legal@greenfinityone.com
Support: hello@greenfinityone.com