By continuing with this signup, you agree to the following:

1. Consent to Data Collection: You consent to PAYLATER HUB collecting and processing your personal data in compliance with the Nigeria Data Protection Regulation (NDPR) and other applicable data protection laws. Your data will be used solely for the purposes outlined in our privacy policy.
2. Third-Party Data Access & Employment Verification: You consent to PAYLATER HUB obtaining information from relevant third parties, including your employer, credit bureaus, and other financial institutions, as necessary, to assess your eligibility for a loan. This may include, but is not limited to, your employment details, salary payment history, credit history, and other relevant data.
3. Loan Deductions & Repayment Authorization: You authorize PAYLATER HUB to deduct loan repayments in installments directly from your salary and any other sources of income at the source, based on the terms of your loan duration and agreement, until the full loan amount is repaid. In the event of a default, PAYLATER HUB is authorized to recover outstanding loan amounts from any accounts linked to your BVN (Bank Verification Number) across financial institutions in accordance with Central Bank of Nigeria (CBN) regulations.
4. Credit Reporting: PAYLATER HUB may report your loan activity, including defaults, to credit bureaus in compliance with the Credit Reporting Act. This may affect your credit score and your ability to secure future loans from other financial institutions.
5. Responsible Lending: PAYLATER HUB adheres to the responsible lending guidelines issued by regulatory authorities. We are committed to assessing your ability to repay the loan without causing financial distress, and all loan approvals are subject to these evaluations.
6. Changes to Terms: PAYLATER HUB reserves the right to modify these terms in response to changes in legal, regulatory, or operational requirements. You will be notified of any significant changes via email or other communication methods. Your continued use of our services after such changes constitute your acceptance of the updated terms.
7. Dispute Resolution: Any disputes arising from the use of PAYLATER HUB's services shall be settled amicably. Where such disputes cannot be resolved, they shall be referred to arbitration in accordance with the Arbitration and Conciliation Act.

By signing up, you confirm that you have read, understood, and agree to comply with these terms and our privacy policy.