Terms & Conditions

These Terms & Conditions ("Terms") govern your access to and use of the SnapPocket platform, mobile applications, and related services (collectively, the "Services"). SnapPocket is operated by Branch360 Limited, a company registered in England and Wales ("SnapPocket", "we", "our", or "us").

By registering for an account, applying for a loan, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, you must not use the Services.

To use the Services you must:

• Be at least 18 years of age;
• Be a resident of a country in which SnapPocket operates (currently St. Kitts and Nevis, USA, United Kingdom, Canada, and Nigeria);
• Have the legal capacity to enter into binding contracts;
• Provide accurate, complete, and up-to-date information during registration and throughout your use of the Services.

We may refuse or withdraw access to the Services at any time if you do not meet these eligibility requirements.

You must create an account to apply for a loan and to access your dashboard. You are responsible for maintaining the confidentiality of your account credentials.

You agree to notify us immediately of any unauthorised use of your account. We are not liable for any loss arising from your failure to keep your credentials secure.

Submitting a loan application does not guarantee approval. All applications are subject to review, and approval is at our sole discretion.

We may request additional documentation to verify your identity, income, employment, or other information required under applicable anti-money-laundering (AML) and know-your-customer (KYC) regulations.

Interest rates, fees, and repayment terms applicable to each loan are set out in your loan agreement and on your dashboard. By accepting a loan offer you agree to the amounts and schedule disclosed.

You are responsible for ensuring sufficient funds are available on each repayment date. Missed or late payments may incur additional charges and may affect your credit score with us.

Payments are processed through third-party providers, including Stripe and PayPal. By making a payment you also agree to the terms of the applicable payment provider.

We do not store full card details on our servers. Payment information is handled directly by our payment processors in accordance with PCI DSS standards.

You agree not to:

• Provide false, misleading, or fraudulent information;
• Use the Services for any unlawful purpose, including money laundering or terrorist financing;
• Attempt to interfere with, reverse engineer, or gain unauthorised access to the Services;
• Use another person's account without their consent.

We reserve the right to suspend or terminate your account if we reasonably believe you have breached these Terms.

The Services are provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including fitness for a particular purpose.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

To the extent permitted by law, our total liability to you for any claim arising out of or relating to the Services is limited to the total amount of interest and fees you have paid to us in the twelve (12) months preceding the claim.

We may update these Terms from time to time. Material changes will be notified to you by email or through the Services at least 14 days before they take effect.

Your continued use of the Services after the effective date constitutes acceptance of the revised Terms.

These Terms are governed by the laws of England and Wales. Any dispute arising out of or in connection with the Services shall be subject to the exclusive jurisdiction of the courts of England and Wales, unless mandatory consumer-protection laws in your country of residence provide otherwise.

If you have any questions about these Terms, please contact us at legal@snappocket.com or write to Branch360 Limited, England, United Kingdom.