Terms of Use
1. CONCERNING THESE TERMS OF USE​
We respectfully ask that you carefully read these terms of use. You confirm that you have read, comprehended, agreed to, and accepted these Terms of Use by registering for or using any part of the OPTIMA NEXUS FINANCE LIMITED service. An end-user licensing agreement and an electronic financial service are both included in these Terms of Use. If you do not agree to be bound by these Terms of Use, you are not permitted to access or use any part of the site. OPTIMA NEXUS FINANCE LIMITED ("we," "us," or "our") and you, as an individual user ("you" or "your"), have a legally enforceable agreement in these Terms of Use.
These Terms of Use and any revisions or amendments take effect on the date of publication.
2. YOUR RESPONSIBILITIES AND WARRANTIES
You accept and acknowledge the following by signing this document:
2.1 You have the legal right to accept these Terms of Use, to be bound by them, and to carry out your obligations under them.
2.2 You understand and agree to strictly abide by these Terms of Use and all applicable laws. Additionally, you agree that it is your responsibility to notify us of any violations of the previously mentioned rules.
2.3 The system and service must only be used for valid reasons and in compliance with their intended usage.
2.4 You are in charge of making sure that all of the credentials, records, and personal information you give us or via the system are correct, complete, current, and fraud-free.
2.5 Only accounts and internet access points that you have been given authorization to use may be accessed.
2.6 You are not allowed to be dishonest, deceitful, or deceptive in any way.
2.7 Disrupting or jeopardizing the network to which the system is attached and runs is absolutely forbidden.
3. ACCEPT THESE USE TERMS
3.1 Before downloading, streaming, or creating an account with us, you agree that you have read and understand these Terms of Use in their entirety, as they may be modified from time to time by us. These terms will control how the app and account are used and function.
3.2 You will be considered to have accepted these Terms of Use and to abide by them after installing the App and using the "Accept" button on our system.
3.3 You accept and agree to be bound by the Terms of Use that govern how the account is operated by installing the app and creating an account. Furthermore, you confirm that any other legal or equitable rights we may have with regard to the account are unaffected by this agreement.
3.4 These terms are subject to change at any moment at our discretion. You acknowledge that you accept these changes and their terms by continuing to use the service. Any changes will be communicated to you in a way that is acceptable and reasonable.
3.5 The application may occasionally receive improvements from the website. Depending on the update, you might not be able to use the service until you have downloaded or streamed the most recent version of the App and accepted any additional terms and conditions of these Terms of Use.
3.6 By using the App or any of the services, you agree that technical information about the mobile device and its related hardware, software, and accessories may be collected and used for wireless or internet-based services. Our services and product offerings are improved with the use of this data. You give us, our affiliates, and licensees permission to transmit, collect, retain, process, and use your data in order to improve our service, your app experience, and/or our credit scoring services.
3.7 You expressly give us permission to get in touch with you and your emergency contact, if they have given their consent, to confirm your information in the event that we are unable to reach you via other means or if we have not yet received payment for the loan mentioned in this Clause 9.
4. HOW YOU USE THE SERVICE
4.1 Only people who are eighteen years of age or older are eligible for our service. To verify the validity and current state of your mobile money account, we retain the right to get in touch with the relevant mobile money provider.
4.2 The app will notify you when your application for an account has been accepted. With the exception of any terms and restrictions that may occasionally apply to your mobile money account, you hereby acknowledge and agree that our approval of your account application does not create a contractual relationship between you and the mobile money providers.
4.3 At our sole and final discretion, we reserve the right to deny or withdraw your loan application at any time, without giving you a reason or advance notice.
4.4 In light of our continuous assessment of your credit profile, we retain the right to approve, deny, or alter the terms of any loan. Each loan application's interest and terms will be shown on the application.
5. THE MANNER IN WHICH YOU PERFORM SYSTEM OPERATIONS
Every right is granted and reserved.
5.1 Subject to your compliance with these Terms of Use and the territory, we and our licensors (if any) grant you a revocable, limited, non-exclusive, non-transferable, royalty-free license to access and use the system exclusively for your personal use in order to enjoy the service that we provide.
5.2 All rights not specifically granted to you under these Terms of Use are reserved by us and our licensors, if any. You do not obtain any complete or partial ownership rights to the system by virtue of these Terms of Use.
5.3 You are not allowed to:
5.3.1 to sell, resell, transfer, assign, distribute, sublicense, or otherwise use the system for commercial purposes or make it accessible to any third party.
5.3.2 change or create derivative works of the system, or access or reverse engineer the main program;
5.3.3 try to gain unauthorized access to the system or related systems or networks; copy any ideas, features, functions, or graphics from the system; use the system to develop a competing product or service; develop a product using ideas, features, functions, or graphics from the system; or start an automated program or script that might make several server requests in a single second, or that unduly burdens or degrades the system's functionality.
5.3.4 Make use of any software or program to retrieve, index, "data mine," or carry out any other type of replication or correction for the content, presentation, or navigational structure of the system.
5.3.5 Post, distribute, or reproduce any copyrighted content, trademarks, or other proprietary information without the owner's prior consent, or remove any notices of copyright, trademarks, or other proprietary rights from the system.
5.3.6 distribute, store, or otherwise handle any material in order to carry out dishonest or illegal actions;
5.3.7 distribute unsolicited messages (spam, for example) or infuriate, irritate, or make false promises;
5.3.8 Disseminate or hold onto any illegal or tortious content, including defamatory, threatening, obscene, or infringing information.
5.3.9 distribute material that includes harmful computer code, files, scripts, agents, or programs, including trojan horses, worms, or software viruses.
5.3.10 impact or interfere with the system's or its data's ability to function;
5.3.11 fraudulently claim to be associated with a person or organization;
5.3.12 intentionally give a fictitious address; or
5.3.13 fabricates any important personal information that might influence our choice to do business with you in the future.
5.3.14 damage our company's or any group enterprise's reputations;
5.3.15 try to gather or harvest any data or information from our systems or any service, or decrypt any transmissions to or from the servers running any service.
6. A PROFILE OF YOU
6.1 You must create and keep up an account as an App user in order to access the system as a user.
6.2 Everything that happens on your account is your responsibility. You
6.2.1 You only need one account.
6.2.2 You are in charge of protecting the confidentiality and integrity of the data linked to your account.
6.2.3 It is illegal for you to give someone else access to your account or to give someone else any data or the account itself.
6.2.4 If you believe that someone has accessed or used your account illegally, please let us know right once.
6.3 We reserve the right to limit or stop access to your account and/or the features offered by the App, in addition to our other rights and remedies:
6.3.1 Should we find that you have violated any of these terms of use, we may, at our best judgment,
6.3.2 while an investigation is underway;
6.3.3 If you owe any principle, interest, service fees, taxes, or other sums to us or any of our group companies;
6.3.4 If for any reason these Terms of Use are terminated; or
6.3.5 at any other time, as long as it aligns with our rational evaluation.
7. YOUR ASKES
7.1 By using the system, you give us the irrevocable right to respond to any requests you send us or that you may pretend are from you. You consent to being held accountable for any such behavior.
7.2 Even if you've already gotten a loan from us, we retain the right to reject any request you make in relation to a loan application.
7.3 If, in our sole discretion, we believe that the incomplete or ambiguous information can be resolved without your involvement, we may accept and act upon any incomplete or ambiguous request, regardless of the reason.
7.4 Even if the request was made, sent, or otherwise communicated in a fraudulent or incorrect manner, we shall still be deemed to have acted properly and met all of our responsibilities to you. As long as you gave us the instructions, you will be responsible for our good faith responses to requests.
7.5 Until you give us further information or confirmation (written or otherwise), we reserve the right, at our sole discretion, to not act upon or comply with all or any part of your request.
7.6 You give us permission to fulfill all or some of your requests, and you agree to release and indemnify us from any claims, losses, damages, costs, and expenses that may result from our fulfillment of your requests or from our failure to use the discretion that has been delegated to us.
7.7 To the fullest extent allowed by applicable law, you understand and agree that we will not be held responsible for any unauthorized drawing, transfer, remittance, disclosure, activity, or incident on your account that results from your knowledge and/or use or manipulation of your account PIN, password, ID, or any other means, whether or not your negligence was the cause.
7.8 In compliance with the applicable law, we are permitted to carry out any instructions pertaining to your account that may be required by a court order, an agency, or a competent authority.
7.9 Any requests you send will be superseded by these Terms of Use in the case of a dispute.
8. YOUR RESPONSIBILITIES
8.1 Since your mobile device is necessary to access the system and the service, you are in charge of keeping it in a safe and functional operating state. You are accountable for this.
8.2 It is your duty to ensure that your mobile device is operating at its best. We specifically disclaim any duty for computer viruses and other problems that may emerge from using the system, the service, or the mobile device, as well as for any errors or malfunctions that may arise from your device's malfunction. Any related expenses are your responsibility, and we won't be held accountable for any delays or losses brought on by the service provider that gives you network access.
8.3 A mobile device can be used to access the app. Making sure the app you downloaded is compatible with your mobile device is your responsibility. If you do not have the latest version of the app installed on your device or if it is incompatible, we are not liable.
8.4 You must notify us right away and adhere to our instructions if your mobile device is lost, stolen, damaged, or no longer in your possession and this leads to the disclosure of your account information and credentials to a third party or otherwise impacts our legal rights and/or remedies. If a third party learns your account information and credentials, we won't be held accountable. By using your login credentials and account information, you agree to hold us harmless from any potential losses and to indemnify us.
8.5 You are solely in charge of choosing a suitable internet and mobile plan and paying any fees your mobile service provider may charge for SMS, internet data, and phone expenses. You agree to pay for any related expenses and usage, and you understand that the system may use a significant amount of data while you are using it.
8.6 When using the system and the service, you must abide by all rules, regulations, and directions stated in these Terms of Use and any other document that we provide.
8.7 service You must take all appropriate precautions against any usage of the system that is not allowed. Because of this, you or someone acting on your behalf must promptly check and confirm any correspondence we give you. This will guarantee that any illegal usage or access to the system will be detected. If any of the following happens, you have to let us know right away:
8.7.1 You have cause to believe that unauthorized use of the service has happened, may have happened, or may happen, and that a transaction may have been fraudulently entered or compromised.
8.7.2 Any security procedures that we may periodically alert you to, together with any other procedures that may be relevant to the service, are your obligation to follow. You understand that failing to follow the suggested security procedures could jeopardize the privacy of your account. More specifically, it is your responsibility to make sure that only authorized users can access the service, submit requests, or carry out any related actions.
9. THE FINANCE TERMINOLOGY
Interest and service charges
9.1 The interest that you must pay us for every loan will be shown on the app. During this time, we retain the right to set and collect service fees related to your use of the service and to continuously change or modify our service costs. If we decide to start charging for our services, or if they are already in place and being changed, the app will show them. If there are any changes to the service prices, we will try our best to notify you as soon as possible before they take effect. Notifying users of the changes to the application is one possible way to achieve this.
9.2 Unless otherwise required by law, you undertake to pay all monies owed under these Terms of Use in full, free and clear of any deductions or withholdings, and without any setoffs or counterclaims. Every time you are obliged to deduct or withhold from any payment to us, you must promptly pay us the corresponding additional amounts to guarantee that we receive the entire amount that would have been paid had there been no deduction or withholding needed.
9.3 We reserve the right to charge late fees on the amount that was lent to you if you fail to make any payments that are due by the due date. These fines will be made clear on the app beforehand.
Taxes
9.4 Any taxes that you owe are not taken into account for calculating any payments that you must make in accordance with these Terms of Use and loan. The payment multiplied by the applicable tax rate is the additional amount you agree to pay us if taxes are owed in connection with the payment. In addition to paying the payment or whenever we request it, you must abide by this requirement, even if the connection is terminated.
9.5 By accepting this agreement, you give us permission to deduct money from your account if we are required to do so by law, in accordance with agreements with tax authorities, or in order to follow internal policies or any applicable tax authority order or consequence.
Payments
9.6 Before or on the due date, you agree to use the payment alternatives that are frequently shown and provided on the App to settle the principle, interest, service fees, and tax related to these Terms of Use and the loan.
9.7 All transactions within the Territory must be settled in local currency.
10. BY DEFAULT
10.1 When you: By default, this event is started.
10.1.1 Being declared bankrupt, unless the nonpayment is solely due to a technical problem or administrative error; or failing to pay any amount or installment (including all accrued interest, service fees, and tax) payable for a loan granted under these Terms of Use for a period of fifteen (15) cumulative days.
10.2 After an ongoing event of default occurs, we may, at any time, without limiting any other right or remedy that may be granted to us under applicable law:
10.2.1 In line with this document's Clause 11, these Terms of Use will expire.
10.2.2 State that the loan, along with any accrued interest, service charges, taxes, and other funds owed under these terms of use, is immediately due and payable and will become so at any moment.
10.2.3 We will charge late fees, which will be shown on the app, if you are unable to make a payment.
11. TERM AND ENDING
11.1 Until they are terminated in line with their terms, these Terms of Use will remain in force.
11.2 We maintain the right, in whole or in part, to end these Terms of Use and to stop using the system, the service, and your account:
11.2.1 by giving you notice for any cause at any time;
11.2.2 Without impacting our other rights and remedies, you will be immediately terminated, with or without notice, if you break any of these Terms of Use.
11.2.3 Should your mobile network operator or mobile money provider cancel your account or contract for any reason;
11.2.4 When your account is inactive or latent; when technical issues or safety concerns require such a suspension or termination; or when it is required to enable the frequent updating or upgrading of the service's functionality or contents.
11.2.5 If we are required to follow a directive or are asked to do so by a government, court, regulator, or other appropriate body, or
11.2.6 If, at our sole discretion, we decide to stop or terminate the service for any reason—commercial or otherwise—
11.3 Should these Terms of Use expire or be canceled for any reason, you shall be required to:
11.3.1 Upon termination, any unpaid principal, interest, transaction fees, or taxes will be immediately due and payable.
11.3.2 Immediately and thoroughly delete the application from your mobile device.
11.4 However, neither party's accrued rights or obligations shall be affected by the termination.
11.5 After termination, the parties will no longer be bound by any rights or responsibilities under the Terms of Use, with the exception of any additional clauses that are expressly or by their very nature meant to endure. Without affecting any rights or duties that each party may have accrued at the time of termination, these provisions will remain in force beyond the termination of the Terms of Use.
12. LIABILITY AND INDEMNITY EXCLUSIONS
Payables
12.1 By signing this, you agree that we, our licensors, and the Affiliates of each of these parties, as well as their officers, directors, members, employees, and agents, will be protected from and held harmless from any and all claims, costs, damages, losses, liabilities, and expenses (including legal fees and costs) arising from or related to:
12.1.1 Your failure to abide by any of these terms of use or applicable laws,such as Nigeria Data Protection Act, 2023; and
12.1.2 The way you make use of the system and/or service, including:
12.1.2.1 Any assertions made by outside parties as a consequence of your utilization of the service or system;
12.1.2.2 Any harm or damage resulting from your use, possession, misuse, or neglect of any third-party software, such as operating systems, browser software, and other software packages or applications;
12.1.2.3 Unauthorized access to your account, deletion or access to your data, or any mobile device damage, theft, or destruction; and
12.1.2.4 Any loss or damage we might sustain due to a breach of these Terms of Use, including but not restricted to third-party systems or facilities that are unavailable or malfunctioning, third parties that submit incorrect information, or third parties that are unable to execute a transaction.
Liability Exclusion
12.2 If any of your mobile devices malfunction or if the service is interrupted or unavailable for any reason that is outside of our control, including force majeure or error, system failure due to terrorist or enemy action, power outage, unfavorable weather or atmospheric conditions, or failure of any public or private telecommunications system, we will not be liable for any losses you may sustain.
12.3 The program is solely meant for personal use. You understand that the App is not meant for commercial, business, or resale uses and that we are not responsible for any lost profits, business interruptions, or lost business prospects.
12.4 You agree that we won't be responsible for any losses or damages resulting from or connected to:
12.4.1 any flaw or problem with the program or any service that arises from your alteration or customization of the program;
12.4.2 any application flaw or problem brought on by your breach of these conditions of use;
12.4.3 You have violated clause 6;
12.4.4 There is not enough money in your mobile money account.
12.4.5 Your account funds are the subject of a lawsuit or other legal action that restricts payments or transfers; You do not give adequate and clear instructions for any payments or transfers related to your account; The system, your mobile device, the network, or a mobile money system malfunctions, fails, is unavailable, or is otherwise impeded.
12.4.6 any misuse of the service, your mobile device, or the system that is not allowed or fraudulent; or
12.4.7 Your disregard for these terms of use as well as any rules or instructions we may have given you regarding how to use the system and the service.
12.5 Even if we are aware of the possibility of such loss or damage, we will not be responsible for any indirect or consequential loss or damage of any kind resulting from or related to the service, regardless of the cause. Damages and losses are not covered.
12.6 To the extent allowed by applicable law and unless otherwise stated in these terms of use, our maximum aggregate liability with regard to the App, the system, the service, and/or these terms of use, whether in contract, tort, breach of statutory duty, or otherwise, shall not exceed the service fees you paid us in connection with the first event giving rise to a claim under these terms of use.
12.7 Unless otherwise stated in these Terms of Use, you must notify us of any claims you may have against us regarding the App, the system, the service, or these Terms of Use within six (6) months of the incidents giving rise to such claims. If you do not comply, you will lose any rights and remedies you may have regarding such claim to the fullest extent allowed by relevant law.
12.8 We specifically disclaim all responsibility for:
12.8.1 Problems with the communications infrastructure that are beyond of our immediate control and could affect the accuracy or timeliness of messages you send or the information you access via the app;
12.8.2Any interruptions or losses in the transmission of messages or content that you access and that result from using a browser or other third-party software that is not under our control, or from using a mobile network service provider or Internet access service provider;
12.8.3 Viruses that could infect your mobile device or other property when you use the app or service or access any of its content;
12.8.4 The unlawful use or interception of any data or communication before it was received by the application or our servers;
12.8.5 To the greatest extent allowed by applicable law, we will not be held responsible for any unauthorized use or access to the data we keep about you or your transactions, unless such use or access results from our carelessness, wrongdoing, or breach of the laws protecting your data.
12.8.6 Anything that comes from outside sources.
13. DISCLAIMER OF THIRD-PARTY SITES AND APPS
13.1 Links and references to other mobile applications or websites run and maintained by third parties ("Third Party Sites or Apps") may be included in the service or the app. These links are meant to act as a resource for information that you might find interesting. By including links to third-party websites or applications, we do not recommend or support any goods, services, information, goods, ideas, or opinions that may be found there.
13.2 With respect to the correctness, completeness, reliability, or suitability of the content of any third-party websites or applications, we make no explicit or implicit promises or assurances. We cannot promise that any third-party website or application won't be subject to trademark, copyright, or other infringement allegations. We cannot guarantee that any third-party website or application is free of viruses or other types of infection.
13.3 You are aware that third-party apps and websites can offer less security and have privacy practices that are different from ours. The decision to use or access any third-party website or application, as well as to buy or make use of any goods or services that are promoted or provided on the website, is entirely up to you.
14. CONSENT TO GET DIRECT MARKETING COMMUNICATIONS
By using the services, you agree to receive direct marketing communications from us. Please indicate your preference in the relevant letter if you would like to stop receiving marketing communications from us.
15. DISPUTE RESOLUTION
15.1 Unless your country's laws specify otherwise, Nigerian law will govern these Terms of Use (as well as any disputes arising out of or related to them, including any alleged breach or challenge to the validity or enforceability of these Terms of Use or any provision hereof). If so, these Terms of Use will be governed by the laws of your jurisdiction.
15.2 Unless otherwise agreed by the parties hereto, any disagreement, question, or dispute arising out of or connected to these Terms of Use will be referred to a single arbitrator for final determination, unless otherwise provided in this document. As an alternative, if no such agreement is reached, the chairman of the Chartered Institute of Arbitrators' Nigeria Branch ("Institute") may grant any party's request within seven (7) days of the other party notifying the chairman of the disagreement.
15.3 In compliance with the Nigerian Arbitration and Conciliation Act, the arbitration will take place in Lagos, Nigeria.
15.4 To the greatest degree possible, the arbitrator's ruling will be legally binding on the parties.
15.5 Until the arbitrator makes a final ruling or award, either party may file a lawsuit in any way to obtain interim or conservatory measures, or preliminary injunctive relief, from any court with the necessary authority.
16. TALKING IN A GLOBAL WAY
16.1 Any delay or performance failure brought on by circumstances outside of our reasonable control will not be our responsibility.
16.2 You are not permitted to give any person at any time any sensitive information about our business operations, affairs, clients, customers, or suppliers.
16.3 You understand and accept that we may assign or transfer all or a portion of the creditor's rights to the loan at any time and without prior notice, at our sole discretion. The aforementioned Transfer will not affect your duties under these Terms. The application's instructions must be followed when making the payment.
16.4 At our sole discretion, we reserve the right to modify these Terms of Use. Although we will do our best to notify you of any material changes to the Terms of Use, you understand and agree that it is your duty to review the Terms of Use frequently. You will be considered to have agreed to these changes if you keep using the system and service.
16.5 Each party's rights and remedies under these Terms of Use are not exclusive of the rights and remedies afforded by law, which are cumulative. They can only be explicitly and in writing renounced. Any right is not waived if it is not exercised or is not exercised promptly.
16.6 Any previous agreements or understandings between the parties regarding such subject matter are superseded, and all information in these Terms of Use has been agreed upon and understood by the parties. Additionally, any implied assertions of truth are explicitly disclaimed by the parties. Except as expressly stated in these Terms of Use or as implied by applicable law, the parties have not relied on any statement, representation, guarantee, understanding, undertaking, promise, or assurance of any person in entering into these Terms of Use. Regarding any of the aforementioned, each party hereby irrevocably and absolutely gives up any claims, rights, and remedies that it would have had in the absence of this clause. Liability for fraud or any other liability that is prohibited by relevant law is not limited or excluded by these Terms of Use.
16.7 Without our prior written consent, you are not permitted to assign, sublicense, transfer, sublet, or otherwise dispose of any of your rights or responsibilities under these Terms of Use. Unless otherwise required by applicable law, we may assign, sublicense, transfer, sublet, or otherwise deal with our rights or obligations under these Terms of Use at any time without giving previous notice or consent.
16.8 These Terms of Use will remain in full force and effect even if a court or other authorized authority finds that any part of them is illegal, void, or unenforceable under applicable law. To the maximum degree feasible, the applicable part of these Terms of Use will be replaced with a clause that is legal, enforceable, and equivalent to the removed part.
16.9 A person who is not a party to these Terms of Use may not rely on or enforce any of their provisions.
16.10 To inform you, we may post a general notice on the App or the system, send an email to the address you provided in your account, or do both. By emailing company@optimanexus.co, you can let us know.
16.11 Please email help@OPTIMA NEXUS FINANCE LIMITED.site with any queries or recommendations about the system or service.
17. THE CUSTOMER COMMUNICATION AND LOAN COLLECTION DISCIPLINARY PROCEDURE
When interacting with clients, whether or not they are in debt, all staff members must constantly exhibit and convey professionalism and morality.
Whether in an attempt to collect loans or handle complaints, loan collectors, recovery agents, and customer service representatives are not allowed to insult, abuse, degrade, defame, or threaten clients and their contacts in any way. Any employee who participates in any of the previously specified activities is acting independently and will be held responsible for the consequences of their choices.
18. ADVERTISING AND PROMOTION OF SERVICES
We are dedicated to making sure that all marketing collateral and ads adhere to the Advertising Practitioners Council of Nigeria's Nigerian Code of Advertising Practice as well as any other pertinent laws and rules that are presently in force in the Federal Republic of Nigeria. We also promise that every one of its ads will be truthful, respectable, and direct. Additionally, these products will be manufactured in compliance with fair competition rules and with a strong sense of social responsibility.
19. SALES OF UNINVITED PHONE
Unwanted telemarketing will not be used by us unless it is disclosed:
19.1 From the beginning, it is important to state the exact purpose of the communication as well as the sender or the person on whose behalf it is being sent.
19.2 the thorough information about any good or service that is being discussed;
Additionally, we shall engage in telemarketing in compliance with any "call" or "do-not-call" choices that the client may have noted while signing a service agreement or later, as well as any additional guidelines that may be released from time to time by an appropriate authority.
Despite the previous part, a will needs to ensure that:
19.3 Without their permission, consumers cannot be the target of unsolicited voice calls or short messaging services.
19.4 Consumers must be able to accept or reject unsolicited voicemails or short message services at all times.
19.5 To give customers the option to choose which type of unsolicited calls or short message services they want to receive, or to opt out of receiving any unsolicited voice calls or short message services altogether, we have streamlined all of these procedures.
20. PROCEDURES FOR BILLING, CHARGING, COLLECTING, AND CREDITING CONSUMERS
We promise at all times that:
20.1 It is possible to independently confirm the accuracy of billing.
20.2 The consumer must have unfettered access to the information on the bill or elsewhere in order to check the bill.
20.3 Upon receiving a legitimate request, we shall provide customers with accurate, timely, and up-to-date information on the terms and circumstances of the invoice, together with any relevant alternatives.
20.4 It keeps track of a customer's bill and related costs for at least a year (12 months); and
In the interpretation of the obligations described in this section, "billing" or "bill" refers to the Licensee's recording and processing systems.
21. TAKING CARE OF DISAPPOINTMENTS
21.1 We shall make easily understandable information about our complaint procedures available in a range of media and forms. Any more relevant information we find will also be published from time to time.
21.2 All relevant information on complaint procedures must be included, and the material must be easily understood.
21.3 In addition to providing access to Alternative Dispute Resolution (ADR), we will implement a complaint management policy that offers a variety of clear, easy-to-use, and effective complaint methods.
21.4 We promise that customers can easily figure out how to lodge a complaint.
21.5 Information on the consumer's right to file a complaint must be included in the details about the complaints handling procedures.
21.5.1 on how to get in touch with us to lodge a grievance; and
21.5.2 the kinds of supporting information, like papers, that the complainant needs to attach to the complaint.
21.5.3 In compliance with the existing policies and processes, all grievances will be recorded and handled.
22.THE PROCEDURE FOR FILING AN INCIDENT REPORT
We'll make sure that the processes for handling and receiving complaints don't deter customers from filing them. The following process will be used to handle complaints: company@optimanexus.co
23. A NOTE ON WARRANTIES
We promise that any disclaimer in an advertisement will be understandable.
23.1 The disclaimer does not conflict with the advertisement's main goal or message;
23.2 Given the media or format used, the disclaimer's content is clear and succinct; and
23.3 The target audience or recipient of the advertisement is identified.