“Maximerge Finance” (“the Company”) operates the mobile application PocketLoan (“the App”), which provides users with access to short-term online loans without requiring collateral.
By downloading, installing, registering, or using the App and its related services, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Use and all related policies referenced herein. These Terms form a legally binding agreement between you (“the User”) and “Maximerge Finance”. If you do not agree, you must not use the App or its services.
The Company may amend or update these Terms of Use at its sole discretion, in whole or in part, at any time. Such changes will take effect once published on our official website (https://www.maximerge.finance/) or within the PocketLoan App. Continued use of the App constitutes your acceptance of the revised Terms.
You are responsible for reviewing the Terms periodically. These Terms apply to your use of our services through both the website and the App, regardless of your location, including Nigeria or any other country.
This Agreement sets forth the general terms and conditions for the use of services provided by “Maximerge Finance” (“the Company”).
These services are accessible through the official website (https://www.maximerge.finance/), the PocketLoanmobile application, domains owned by the Company, and other applications operated directly by the Company or through authorized third parties. Collectively, these platforms, including any current or future technological solutions, are referred to in these Terms as “Maximerge Finance”.
Access to or use of the platform or services is permitted only in accordance with these Terms and all applicable policies of “Maximerge Finance”, which are incorporated herein by reference.
THESE GENERAL TERMS AND CONDITIONS ARE MANDATORY AND LEGALLY BINDING. ANY INDIVIDUAL WHO DOES NOT AGREE TO THEM IS PROHIBITED FROM ACCESSING OR USING THE PLATFORM AND ITS SERVICES.
Before registering as a user of “Maximerge Finance”, an individual must read, understand, and accept these General Terms and Conditions, the Privacy Policy, and all other documents incorporated by reference.
The Service is available only to individuals who have full legal capacity to enter into binding contracts. Persons lacking such capacity, minors, or “Maximerge Finance” users who have been temporarily suspended or explicitly disqualified are not permitted to use the Service. If you register as a user on behalf of a company or other legal entity, you must have the authority to enter into contracts on behalf of that entity, bind it to these Terms, and comply with all applicable laws of Nigeria.
To use the services provided by “Maximerge Finance”, users must complete all required fields in the registration form with valid personal information. Users are obligated to provide accurate, complete, and truthful personal data (“Personal Data”) and to update such information as necessary. “Maximerge Finance” may employ various methods to verify user identity, including electronic authentication and credit reports. However, the Company is not responsible for the accuracy of Personal Data submitted by users. Users guarantee the truthfulness, accuracy, validity, and authenticity of all Personal Data provided. The Company reserves the right to request additional documentation or information to verify Personal Data and may temporarily or permanently suspend users whose data cannot be verified.
Users access their personal account (“Account”) by entering a One-Time Password (OTP). Users agree to keep their security credentials confidential at all times. Accounts are personal, unique, and non-transferable. Each user is prohibited from registering or maintaining more than one Account. If “Maximerge Finance” detects multiple Accounts with matching or related information, the Company reserves the right to cancel, suspend, or disable such Accounts.
Users are fully responsible for all activities conducted within their Account, as access is restricted solely to their exclusive One-Time Password (OTP). Users must promptly notify “Maximerge Finance” through appropriate and reliable channels of any unauthorized use of their Account or access by any third party. The sale, assignment, or transfer of Accounts, including associated credits or ratings, under any name is strictly prohibited.
“Maximerge Finance” reserves the right, at its sole discretion, to reject any registration request or cancel a previously accepted registration. The Company is not obligated to provide any reasons for such decisions and shall not be liable for any compensation or indemnification arising from the rejection or cancellation.
If a registration or service application is rejected for reasons attributable to the user, “Maximerge Finance” may, at its discretion, offer alternative options tailored to the user’s repayment capacity to facilitate access to credit. The user is under no obligation to accept any such alternative options.
“Maximerge Finance” may modify these General Terms and Conditions at any time by publishing the updated terms on its platforms. All modifications will take effect 10 days after publication. Within 5 days of such publication, users must notify the Company via email if they do not accept the changes. In such cases, provided the user has no outstanding debts, the contractual relationship will be terminated and the user will be disqualified. If the user does not respond within this period, they will be deemed to have accepted the updated Terms, and the contract will remain binding on both parties.
To use the services provided by “Maximerge Finance”, users are required to provide certain personal data. Such information is processed and stored on servers that meet high standards of physical and technological security. For further details regarding the collection, processing, and disclosure of personal information, users should refer to the Privacy Policy.
Users are strictly prohibited from taking any action or using any equipment, software, or other means that may interfere with the operations or activities of “Maximerge Finance” and its databases. Any act, attempt, or activity that violates intellectual property laws or the prohibitions set forth in this Agreement may subject the responsible party to applicable legal liabilities, sanctions, and compensation for any damages incurred.
Without prejudice to other remedies, “Maximerge Finance” may issue warnings, temporarily or permanently deactivate a user’s account, impose sanctions affecting the user’s reputation, take any action it deems appropriate, and/or suspend the provision of its services if: (a) the user violates any law, these General Terms and Conditions, or other “Maximerge Finance” policies; (b) the user breaches their commitments as a user; (c) the user engages in fraudulent activity, as determined by “Maximerge Finance”; (d) the user’s identity cannot be verified or any information provided is inaccurate; (e) “Maximerge Finance” reasonably believes that public statements or other conduct may result in liability for the user.
“Maximerge Finance” recommends that users exercise caution and sound judgment when interacting with other users. Users should also be aware of the risks associated with contracting with minors or individuals using false identities.
If one or more users, or any third party, initiates any claim or legal action against another user, each user involved hereby releases “Maximerge Finance” and its directors, managers, employees, agents, operators, representatives, and attorneys-in-fact from any and all liability arising from such claim or action.
“Maximerge Finance” shall not be liable for any damage or loss incurred by users as a result of system, server, or Internet failures. The Company is also not responsible for any viruses or other harmful components that may infect a user’s equipment due to accessing, using, or browsing the platform, or through the transmission of data, files, images, text, audio, or other digital information. Users may not hold “Maximerge Finance” liable for lost profits or other damages arising from technical difficulties or system or Internet failures. The Company does not guarantee continuous or uninterrupted access to its platform. Temporary unavailability may occur due to technical, Internet, or other circumstances beyond the Company’s control, and “Maximerge Finance” shall restore service as soon as reasonably possible without incurring any liability. Furthermore, “Maximerge Finance” shall not be responsible for any errors or omissions on the platform.
All content related to the services of “Maximerge Finance”, including programs, databases, networks, and files that enable users to access and use their accounts, is the property of “Maximerge Finance” and is protected by international copyright, trademark, patent, industrial design, and other intellectual property laws. Unauthorized use, reproduction, or distribution, in whole or in part, of such content is strictly prohibited unless expressly authorized in writing by “Maximerge Finance”.
The user shall indemnify and hold harmless “Maximerge Finance”, its subsidiaries, controlling or regulatory entities, directors, administrators, representatives, and employees from any claims, demands, or liabilities, including reasonable attorneys' fees, arising from: (a) the user’s activities on the platform; (b) violations of these General Terms and Conditions or other policies incorporated into this Agreement; or (c) violations of any applicable law or the rights of third parties.
This Agreement shall be governed in all respects by the laws of the Federal Republic of Nigeria, particularly concerning data protection, electronic contracts, and electronic commerce. Any dispute arising from this Agreement, including its existence, validity, interpretation, scope, or performance, shall be resolved in accordance with Nigerian law and by the competent courts. For the interpretation, performance, and enforcement of this Agreement, the parties expressly submit to the jurisdiction of the Nigerian courts and waive any other jurisdiction that may otherwise apply by virtue of their present or future domicile. For matters not expressly covered in these Terms and Conditions, the user agrees to comply with all applicable laws of Nigeria.
Failure to fulfill your obligations under this Agreement may result in late fees and interest charges.
Taking a loan that exceeds your repayment capacity may adversely affect your credit record.
Last Updated: Aug 24th, 2025