1. Eligibility

• Applicants must be at least 18 years of age.
• Valid identification, proof of income, and residence are required.
• Applications are subject to creditworthiness and compliance with Kenyan financial regulations.

2. Application Process

• All information provided must be accurate and complete.
• Misrepresentation or falsification of details may result in rejection or legal action.
• Classic Investment Group reserves the right to request additional documentation.

3. Loan Approval

• Submission of an application does not guarantee approval.
• Loan terms (amount, interest rate, repayment schedule) will be disclosed in the loan agreement.
• Classic Investment Group may decline applications without obligation to provide reasons.

4. Interest and Fees

• Interest rates are determined based on credit assessment and prevailing market conditions.
• Applicable fees (processing, late payment, early repayment penalties) will be communicated upfront.

5. Repayment Obligations

• Borrowers must adhere to the repayment schedule outlined in the loan agreement.
• Late or missed payments may incur penalties and negatively affect credit ratings.
• Early repayment may be permitted but could involve additional charges.

6. Data Privacy

• Personal and financial information will be collected, stored, and processed in accordance with Kenyan data protection laws.
• Information may be shared with credit bureaus, regulators, and authorized third parties.

7. Default and Recovery

• Failure to repay may result in legal action, debt recovery measures, and reporting to credit bureaus.
• Collateral (if applicable) may be seized in case of default.

8. Amendments

• Classic Investment Group reserves the right to amend these terms at any time.
• Applicants will be notified of significant changes before they take effect.