Effective Date: 12 July 2026
Last Updated: 12 July 2026
Version: 2.0
Document Status: Publication version, subject to final legal and regulatory review
These Terms and Conditions (the Terms) are a binding agreement between Ohere Technologies Limited (Ohere, we, us or our) and each person who creates an account, accesses or uses the Ohere Credit mobile application, website, support channels or related services (you, your or User).
These Terms govern access to the Ohere platform generally. They do not replace the personalised and product-specific documents that govern a credit facility, card, collateral deposit, Premium tier, payment mandate or other optional service.
Key points: You must be at least 18, provide truthful information, protect your account and use the Services lawfully. Credit is not guaranteed. Your personalised Credit Offer and Key Facts Statement controls your individual limit, annual interest rate, collateral requirement, fees and repayment terms. These Terms do not introduce a monthly platform service fee. Account closure requires settlement of applicable obligations, includes a 30-day reopening period and is followed by the retention and archival process described below.
Ohere provides technology-enabled revolving credit-card services and related account, payment, collateral, support and credit-building features to eligible users in Nigeria. Services may be provided directly by Ohere or through approved banks, card issuers, payment processors, identity-verification providers, credit-data providers, cloud providers, communications providers and other regulated or specialised partners.
Company and contact details
You accept these Terms when you create an account, select an acceptance control, sign electronically or continue using the Services after the Terms have been presented to you and any required acceptance has been completed.
You confirm that: