Terms of use.

By using the Gaya Finance website, applications, products, or services, you agree to these Terms of Use. If you do not agree, please do not use our services.

Gaya Finance (“Gaya”, “we”, “our”, or “us”) is a financial services platform focused on supporting women through access to microcredit, financial services, and related products.

Users must be legally capable of entering binding agreements under applicable laws. We may ask for identification, financial records, and verification information before approving an application.

Users are responsible for keeping their account credentials confidential and for any activity that happens under their account.

We may suspend or terminate accounts where we detect fraud, misuse, or inaccurate information.

Submitting an application does not guarantee approval.

Gaya assesses applications using financial, business, and credit information, and may approve, decline, or modify applications at its discretion.

Loan terms, repayment schedules, fees, and obligations are documented separately and agreed in writing before any money moves.

By using our services, you agree to:

• Provide accurate information.
• Keep your information up to date.
• Use our services lawfully.
• Not engage in fraud or impersonation.
• Not interfere with how the platform operates.

Borrowers remain responsible for repayment obligations under any credit agreement they sign with us.

Late payments may result in penalties, collection actions, regulatory reporting, or suspension of services. We will always explain the consequences before they apply.

All website content, including branding, text, logos, graphics, software, and other materials, is owned by or licensed to Gaya.

You may not reproduce, distribute, modify, or otherwise exploit our content without our written permission.

Your use of the website is governed by our Privacy Policy.

You consent to the collection, processing, and storage of information necessary to provide our services and meet our legal obligations.

Gaya may work with payment providers, mobile money services, verification agencies, and external websites to deliver our services.

We are not responsible for third-party systems or content beyond our own platform.

You agree not to:

• Commit fraud.
• Upload malicious software.
• Attempt unauthorized access.
• Use our services unlawfully.
• Misrepresent your identity or financial information.

Gaya may suspend or terminate access where users breach these Terms, provide false information, or engage in conduct that harms us, our team, or other users.

Gaya will not be liable for indirect, incidental, consequential, or special damages arising from your use of the website or from any interruption of our services.

You agree to indemnify and hold Gaya harmless from claims, liabilities, losses, and costs arising from your misuse of our services or violation of these Terms.

We may update these Terms from time to time. The current version will always live on this page, and continued use of our services means you accept the latest version.

These Terms are governed by the laws of the Republic of Ghana. We will always attempt to resolve any disagreement amicably before either party moves to litigation.