Nyebro Cash — Terms and Conditions

Effective date: 10 September 2026

These Terms govern your use of the Nyebro Cash website, phone app, and loan services in Ghana. By registering, completing KYC, applying for a loan, or using your wallet, you agree to these Terms.

1. Who can use Nyebro

You must be 18 years or older, a natural person, and able to enter a contract under Ghana law. You must complete identity checks we require (including Ghana Card and other KYC). We may refuse registration or a loan if information is incomplete, inconsistent, or we reasonably suspect fraud.

2. Your account

Give true details (name as on Ghana Card, phone, email, GhanaPost GPS, guarantors). You are responsible for your phone, OTP, PIN, and password. One person, one account. If registration approval is on, you cannot borrow until we approve you. We may suspend an account for unpaid loans, false documents, or abuse.

3. KYC and documents

We may require Ghana Card, date of birth, two guarantors, voter ID, selfie, digital signature, region/town, and GPS address. The name you enter must match the Ghana Card. You authorise us to verify data and to contact guarantors. You remain fully liable for the loan.

4. Loan application

Applying is a request, not a promise of money. We may approve, reduce, or decline using our credit rules. If you have an approved or disbursed loan that is not fully repaid, you cannot apply again until it is fully paid. Amount, interest, duration, and service charge are shown before you submit. Currency is Ghana Cedi (GHS) unless we state otherwise.

5. Interest and charges

Interest and any service charge (fixed or percent) are as shown at application. Total repayable = principal + interest + service charge + agreed fees. Pay on or before each due date shown in My Loans. We may send email, SMS, WhatsApp, and app reminders; missing an alert does not cancel the debt.

6. Disbursement

After approval we may pay you by mobile money or bank (through partners such as Flutterwave or Payaza) or to your Nyebro wallet. You must give correct payout details. We are not liable for money sent to details you entered wrongly. A payment partner’s own terms also apply.

7. Repayment

Repay from My Loans using the channels we enable. A payment counts when the provider confirms it. Keep receipts. Early payment does not automatically reduce interest already calculated unless we advertise a rebate.

8. Late payment

Late fees may apply after any grace period we publish. We may send collection notices and contact numbers, guarantors, and addresses you gave. We will not use unlawful harassment. Default may affect your credit limit. You remain liable until principal, interest, charges, and penalties are paid in full.

9. Wallet and referrals

Wallet credit is not a bank deposit. Referral rewards apply only if enabled and a valid referral link is used. Fraudulent referrals are void. We may reverse a wallet credit made in error.

10. App and privacy

Camera, notifications, or contacts are used only for features you choose (selfie, due reminders, guarantor picker). We process personal data to run your account, KYC, credit, disbursement, and collection under Ghana’s Data Protection Act, 2012 (Act 843). We may share data with payment processors, SMS/email providers, and authorities when required by law.

11. Acceptable use

You must not submit false KYC, use another person’s identity or MoMo, attack the app, or use Nyebro for crime. We may freeze the account and report suspected crime.

12. Liability, changes, and law

We are not liable for losses from a wrong payout number, lost phone, shared PIN/OTP, or third-party network failure, except where Ghana law does not allow that limit. We may update these Terms; material changes will be posted on the website or in the app. Existing loans keep the interest and charges agreed at disbursement unless the law or a restructuring you accept says otherwise. These Terms are governed by the laws of the Republic of Ghana. Courts of Ghana have jurisdiction.

By ticking “I agree” or by registering or applying, you confirm that you have read and accept these Nyebro Cash Terms and Conditions.