1. PCL means Premier Credit Limited.
2. Credit Reference Bureau means a bureau duly licensed to collect and facilitate the sharing of borrower information.
3. Borrower means the person at whose request PCL will advance a loan facility.
4. Call Centre means PCL's call center.
5. Equipment includes your mobile phone handset and/or other equipment used to access the online lending platform.
6. Products means the various loan facilities offered by PCL.
7. Request means a request and/or instruction received by PCL from you through the system.
8. Services means any financial services or products PCL may offer you pursuant to this Agreement.
9. SMS means a short message service transmitted from one mobile to another.
10. System means PCL's electronic lending platform and communications software.
11. Transaction costs means charges levied by third-party service providers including M-Pesa and bank charges.
12. We / Our / Us means PCL and includes its successors and assigns.
13. You / Your means the Borrower and includes their personal representatives.
14. USSD T&Cs means these USSD Terms and Conditions.

1. Before applying for PCL products, you should carefully read and understand these Terms and Conditions.
2. You will be required to register on our system.
3. By proceeding with registration and completing a request transaction, you are deemed to have read, understood and accepted these Terms and Conditions.
4. By accessing our system you agree to comply with and be bound by these Terms and Conditions.
5. The Borrower acknowledges full understanding of this Agreement and confirms entry into it voluntarily.
6. By accepting, you authorize PCL to assess your credit score including accessing your credit history from a registered Credit Reference Bureau.
7. These Terms and Conditions may be amended by PCL from time to time — continued use constitutes agreement to any such amendment.

1. You must register by creating an account to access our products.
2. You are responsible for maintaining the confidentiality of your passwords and account identifiers.
3. By signing up you confirm you have read and agreed to our Terms and Conditions.
4. You authorize PCL to obtain your personal information from the IPRS (Government of Kenya) and consent to its disclosure to PCL.
5. You authorize PCL to access any information necessary to assess your request and subject it to our credit scoring engine.
6. PCL reserves the right to request further information — failure to provide it may result in your application being declined.
7. If you do not accept all Terms and Conditions, do not proceed with registration.
8. Upon successful registration, read and familiarize yourself with the terms for each individual product.

1. You shall at your own expense provide and maintain your equipment in safe and efficient operating order.
2. PCL shall not be responsible for errors or failures caused by equipment malfunction or computer viruses.
3. You shall follow all instructions and procedures contained in these Terms and Conditions.
4. You are solely responsible for the safekeeping of your equipment. PCL is not liable for loss caused by any third party accessing your equipment.
5. Immediately report any suspected fraudulent use to our Call Centre:
   0709 176 000  /  0730 812 000

PCL will not be liable for losses resulting from:

1. Failure, malfunction or unavailability of your equipment.
2. Fraudulent or illegal use of the online lending platform.
3. Your failure to comply with these Terms and Conditions.

All warranties implied by law are excluded to the fullest extent permitted.

All intellectual property rights in our system (including all amendments and upgrades) and associated documentation are vested in PCL. You shall not duplicate, reproduce or tamper with the system or documentation without PCL's prior written consent.

1. All requests received from your equipment will be presumed to have been made by you.
2. You irrevocably authorize PCL to act on all requests received through the system and to hold you liable accordingly.
3. PCL reserves the right to correct incomplete or ambiguous requests at its absolute discretion without reference to you.
4. PCL shall be deemed to have acted properly even if a request was initiated in error or fraudulently, provided PCL acted in good faith.
5. PCL may decline to act on a request pending further inquiry or confirmation from you.
6. You agree to indemnify PCL against all claims, losses, and expenses arising from PCL acting in accordance with your requests.
7. PCL is not liable for any transaction or incident on your equipment whether or not occasioned by your negligence.
8. PCL is authorized to effect orders in respect of your loan account as required by any court or competent authority.
9. In any conflict between a request and these Terms and Conditions, these Terms and Conditions shall prevail.

Monthly interest rates (flat) by loan term:

1. For accounts past their loan term, the unpaid accrued interest shall be charged in full.
2. In the event of prepayment, processing fees shall be charged in full.
3. Due to market conditions, PCL may alter interest charges by giving one calendar month's notice in advance.

If PCL engages lawyers due to the Borrower's default, the Borrower shall bear all resulting legal costs.

1. The borrower must repay the loan in the installments as advised.
2. PCL shall have the right to deduct monthly installments directly from the borrower's salary via the employer's payroll.
3. PCL may deduct any outstanding monies from unpaid wages or remuneration if the borrower leaves employment before full repayment.
4. In the event of the Borrower's death or permanent disability, the Borrower or their estate will not be liable for any outstanding balance.

6. Cheque payments are deemed received only on the date funds are cleared — not the date of deposit.
7. PCL reserves the right to change the payment channel and will communicate this to the Borrower within reasonable time.

The borrower or next of kin must provide medical records or a death certificate as proof. Death by suicide is not covered. The insurance premium is included in the loan application fee.

1. In default, PCL shall apply payments in this order: legal costs first, then interest, then principal.
2. PCL reserves the right to engage third-party debt collectors to recover any outstanding balance at the Borrower's cost.
3. The responsibility for timely payment lies with the Borrower. PCL reserves the right to recover all accrued interest due to late payments.
4. A statement certified by a PCL officer shall constitute proof of the amount owed and may be used in any legal proceeding.

Loan cancellation

• The Borrower has the right to cancel the loan at any stage of processing or after receipt of funds.
• Cancellation before disbursement must be communicated in writing to info@premiergroup.co.ke.
• Cancellation after receipt of funds requires reimbursement of the full disbursed amount within 72 hours, with written notice and proof of refund. Failure to do so invokes the full interest and penalty terms.

Dispute resolution

• Disputes may be raised in writing via info@premiergroup.co.ke.
• Alternatively, contact our Call Centre: +254 709 176 000 / 730 812 000.
• Notwithstanding any dispute, both parties shall continue to perform their obligations under this agreement unless it has been formally terminated.