TERMS AND CONDITIONS

Update date: 2026-02-14
Effective date: 2026-02-14

ZEPHYREDGE LIMITED, its parent, subsidiaries, successors, assignees and affiliates ("ZEPHYREDGE", "we", "our", or "us") provide access to and use of https://zepphyredgeapp.com/, as well as any mobile applications, websites, and services (collectively, the "Services" or "Zephyrcash App").

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you", "your", or "User") and ZEPHYREDGE LIMITED governing your use of the Services.

PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY.

IMPORTANT: PERMISSION APPLICATION AND THIRD-PARTY SDK USE

1. Purpose of Permission Application

To ensure proper functionality of the App, we may request the following permissions:

1.1 Camera and Photos/Videos

Purpose: Identity verification (KYC), fraud prevention, compliance, and security.

1.2 Personal Information

Data: Name, email address, phone number, address, and other information you provide.
Purpose: Account management, loan processing, compliance.

1.3 Financial Information

Data: Bank account details and payment information (processed via Paystack).
Purpose: Loan disbursement and repayment.

1.4 Device and Other Identifiers

Data: Device identifiers (such as Android ID, IDFA, or similar identifiers), IP address, device information.
Purpose: Fraud prevention, security, analytics, attribution, and compliance.

2. Third-Party SDK Use and Data Collection

We integrate trusted third-party SDKs to support payment processing, analytics, attribution, and security.

SDK 1: Paystack

SDK 2: AppsFlyer

All third-party service providers are required to comply with applicable data protection laws and process data only for agreed purposes.

3. Your Rights and Choices

You may:

Refusal of essential permissions may affect certain features.

1. CONSENTING TO THESE TERMS

By using the Services, you:

2. THE SERVICES WE PROVIDE

ZEPHYREDGE LIMITED is a financial service provider offering credit and loan services through the Zephyrcash App.

We reserve the right to modify or discontinue any service at our discretion.

3. CONDITIONS TO USE OUR SERVICES

You must:

We reserve the right to assess your creditworthiness and approve or reject applications.

4. ACCOUNT AND TRANSACTIONS

5. LOAN SERVICES

Users must accept loan agreements before disbursement.

Loan approval is at our discretion.

6. LOAN TERMS DETAILS

Example calculations are shown in-app before acceptance.

7. HOW WE HANDLE YOUR PERSONAL INFORMATION

We process personal data in accordance with our Privacy Policy.

We do not sell your personal data.

However, we may share limited information with:

All sharing is strictly limited to service functionality, security, analytics, and compliance.

8. ACCOUNT SECURITY

You are responsible for:

We may suspend accounts if fraud or risk is detected.

9. INTELLECTUAL PROPERTY

All content belongs to ZEPHYREDGE LIMITED and is protected by law.

10. USER CONTENT

You must not submit illegal or harmful content.

We reserve rights to use submitted content where applicable.

11. CONSENT

You explicitly consent to:

You may withdraw consent by contacting:
help@zepphyredgeapp.com

12. RESTRICTIONS

You agree not to:

13. INDEMNIFICATION

You agree to indemnify ZEPHYREDGE LIMITED against losses arising from misuse.

14. ACCOUNT SUSPENSION

We may suspend or terminate accounts for:

15. TERMINATION

You may stop using the service anytime.

We may retain data where required by law.

16. CONTACT

Email: help@zepphyredgeapp.com

17. COMMUNICATION

We may contact you via:

18. CHANGES TO TERMS

We may update these Terms at any time.

Continued use = acceptance.

19. GENERAL