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Updated: 1st January, 2025

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Terms and Conditions

1. Introduction

Welcome to Ohere Technologies Limited ("Ohere", "we", "us", "our"). By applying for and using our credit card services, you ("the User") agree to be bound by the following Terms and Conditions, which govern the use of our credit products and services.

Please read these terms carefully, as they constitute a legally binding agreement between you and Ohere. If you do not agree to these Terms, you must not use our credit card services.

2. Eligibility

To be eligible to apply for a credit card with Ohere, you must:

• Be at least 18 years old.
• Have a valid government-issued ID.
• Meet our creditworthiness criteria as determined by our credit assessment process.
• Agree to provide accurate and complete information during the application process.

3. User Obligations

As a cardholder, you agree to:

• Use the credit card only for lawful purposes.
• Repay the outstanding balance on your credit card in accordance with the terms set forth below.
• Promptly notify us of any changes to your contact information, including email address and phone number.
• Report any unauthorized or fraudulent use of your card immediately.
• Comply with all applicable laws and regulations.

4. Credit Limits