Super Fast 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 Super Fast Credit, GreenfinityOne's local credit facility. Where a provision of this Addendum conflicts with the General Terms, this Addendum governs for Super Fast 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 Super Fast Credit, in addition to the general eligibility criteria in our General Terms, you must:

• Be physically present and resident in Nigeria.
• Complete our digital KYC process, which includes NIN verification, BVN validation, a facial recognition / liveness check, and proof of address.

3. Introduction via Super Agents

Some Super Fast Credit applications are introduced through a Super Agent — an independent representative who may refer borrowers to the Platform and, where applicable, whose funding portfolio may be used to fund your loan. Where your application is linked to a Super Agent:

• The terms of your loan (principal, interest, tenure, and fees) are set by Greenfinity and disclosed to you in the same way as any other Super Fast Credit application — a Super Agent referral does not change your rights or obligations under these Terms.
• Admin approval is still required before disbursement, regardless of how your application was introduced.

4. Loan Terms

• Tenure ranges from 60 to 365 days, as selected or agreed at application.
• Loan terms, including principal, interest, fees, and repayment schedule, are fully disclosed in your loan agreement before you accept it.
• Submitting an application does not guarantee approval. Approval is subject to KYC verification, credit assessment, and admin review.

5. Repayment

You agree to repay the principal, interest, and any applicable fees according to the repayment schedule set out in your accepted loan agreement. Late repayment may incur penalties as stated in the loan agreement, in addition to the consequences described in our General Terms (Section 6: Repayment Obligations), including credit bureau reporting, debt recovery action, and account restriction.

6. Fees

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

7. Contact

For questions about Super Fast Credit or this Addendum, please contact:

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