Terms and Conditions
1. Introduction
Welcome to the Finerate Ventures Ltd website. These Terms and Conditions govern your access to and use of our website and the information and services presented through it.
By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, please discontinue use of the website.
These website terms should be read together with any separate loan agreement, offer letter, repayment schedule, privacy notice or other applicable document issued in connection with our services.
2. About Finerate Ventures Ltd
Finerate Ventures Ltd provides financing solutions intended to support eligible entrepreneurs and businesses with their working capital, stock requirements, operational expenses and growth opportunities.
Our loan products include:
- Jikuze Loan: KSh 3,000–20,000.
- Jikuze Plus Loan: KSh 20,000–100,000.
Product availability, eligibility requirements and applicable terms are subject to the Company’s assessment and the conditions communicated to each applicant.
3. Use of the Website
You agree to use this website responsibly and lawfully. You must not:
- Submit false, misleading or fraudulent information.
- Attempt to gain unauthorised access to our systems or information.
- Interfere with the website’s security, availability or operation.
- Use the website for unlawful purposes or activities that infringe the rights of others.
- Copy, distribute or commercially exploit website content without appropriate authorisation.
We reserve the right to take reasonable action where website use threatens security, violates these terms or breaches applicable law.
4. Loan Applications and Eligibility
Submitting a loan application does not guarantee approval or disbursement.
Applicants may be required to provide:
- A valid National Identification document.
- M-Pesa statements covering the latest three months.
- Evidence of an existing physical business.
- Additional information or documents reasonably required for verification and assessment.
Our loan officers may conduct business visits or other appropriate verification checks before a decision is made.
Applicants must ensure that all information and supporting documents submitted are genuine, complete and accurate. False or misleading information may result in rejection of an application or other action permitted by law and applicable agreements.
5. Loan Assessment and Approval
Loan applications are assessed based on the information provided, verification findings, business circumstances, repayment capacity and applicable lending criteria.
We aim to communicate a decision within 24 hours after receiving an application, subject to verification, completeness of documentation, business requirements and operational circumstances. This is a target and not a guarantee of approval or disbursement within that period.
Finerate Ventures reserves the right to approve, decline or request additional information for an application, subject to applicable law and regulatory requirements.
6. Loan Amounts, Charges and Repayment
The loan amounts displayed on our website indicate the general ranges of our products. They do not constitute a guarantee that an applicant will qualify for a particular amount.
Before accepting a loan, applicants should review the applicable offer and loan agreement, including:
- The approved loan amount.
- Interest, fees and any other applicable charges.
- The total amount payable.
- Repayment dates, instalments and payment methods.
- Consequences of late or missed payments.
- Any applicable early repayment or restructuring conditions.
The specific written loan agreement and disclosed offer terms will govern the loan transaction, subject to applicable law.
Customers should not accept a loan unless they understand the repayment obligations and are reasonably confident in their ability to meet them.
7. No Guarantee of Business Outcomes
Finerate Ventures seeks to support business growth through accessible financing. However, we do not guarantee that a loan will result in increased sales, profits, business expansion or any particular commercial outcome.
Borrowers remain responsible for making informed financial decisions and using loan funds responsibly.
8. Website Information and Availability
We endeavour to keep website content accurate and current. However, product descriptions, eligibility information and other website content may be updated from time to time.
We may modify, suspend or discontinue website features when reasonably necessary for maintenance, security, operational changes or legal compliance.
Nothing on this website should be interpreted as an unconditional offer to lend or as a substitute for an individual loan offer and agreement.
9. Intellectual Property
Unless otherwise indicated, the text, branding, graphics, design and other content on this website belong to Finerate Ventures Ltd or are used with appropriate permission.
You may view and use the content for personal, informational or legitimate business enquiry purposes. Reproduction, modification, redistribution or commercial use without authorisation is prohibited, except where permitted by law.
10. Privacy and Personal Information
Our collection and use of personal information are governed by our Privacy Policy and applicable Kenyan data protection laws.
By submitting personal information through the website, you acknowledge that it will be handled in accordance with the applicable privacy notice and lawful basis for processing. Any consent required for specific processing activities will be obtained separately where necessary.
11. Limitation of Liability
To the extent permitted by applicable law, Finerate Ventures Ltd shall not be liable for losses arising solely from temporary website unavailability, technical interruptions or a user’s reliance on general website information without reviewing the applicable loan terms.
Nothing in these Terms and Conditions excludes or limits liability where such exclusion or limitation is prohibited by law, including applicable consumer protection rights.
12. Third-Party Links
Our website may provide links to external websites for convenience or additional information. We do not control those websites and are not responsible for their content, availability or privacy practices.
13. Changes to These Terms
We may revise these Terms and Conditions periodically. Changes will be published on this page with an updated date. Continued use of the website after publication of revised terms constitutes acceptance of the revised website terms, to the extent permitted by law.
Changes to an existing loan agreement will be governed by that agreement and applicable law and will not be made effective merely by updating this webpage.
14. Governing Law and Disputes
These Terms and Conditions are governed by the laws of Kenya.
Where a dispute arises, the parties are encouraged to seek an amicable resolution through direct communication or the Company’s complaints-handling process. This does not prevent either party from exercising any legal or regulatory rights available under Kenyan law.
15. Contact Information
For questions about these Terms and Conditions, our services or loan applications, contact:
Finerate Ventures Ltd
Office: Kenwood Plaza, Kiambu Town, Kenya
Telephone/WhatsApp: 0705 819 774
Email: info@finerateventures.co.ke
Website: https://finerateventures.co.ke/
