Rever-Bridge Financial Services Ltd
These Terms and Conditions govern all loan applications, facilities, financing products, services, agreements, digital submissions, approvals, disbursements, repayments, and related transactions between Rever-Bridge Financial Services Ltd (“Rever-Bridge”, “the Company”, “the Lender”, “we”, “our”, or “us”) and the applicant, borrower, client, guarantor, or user (“the Borrower”, “Applicant”, “Client”, “you”, or “your”).
By accessing our website, submitting an application, uploading documents, signing digitally, accepting any offer, receiving funds, or using any Company service, the Applicant confirms that they have read, understood, and agreed to these Terms and Conditions and all related policies.
Rever-Bridge Financial Services Ltd may provide financing products including but not limited to:
Approval of any application remains entirely at the discretion of the Company.
The Applicant acknowledges and agrees that approved facilities may attract interest, fees, administrative charges, processing fees, management fees, cost-of-capital charges, legal costs, insurance charges, recovery expenses, penalties, and any other applicable charges.
Interest and applicable charges on any approved facility shall be charged at the fixed rate communicated and agreed upon between the Company and the Borrower at the time of approval. Such interest and charges may be calculated, accrued, and capitalized over the repayment period in accordance with the approved loan structure and repayment schedule.
Where the Borrower fails to make payment on the due date, defaults on any repayment obligation, or where the Company grants any extension, restructuring, deferment, or indulgence, additional interest, penalties, default charges, or accrued charges may continue to apply on the outstanding balance at the discretion of the Company and in accordance with the applicable facility terms.
Should it become necessary for Rever-Bridge Financial Services Ltd to institute recovery proceedings, legal action, collections processes, or enforcement measures for recovery of any outstanding amounts, the Company shall be entitled to continue charging applicable interest, penalties, recovery costs, legal fees, collection charges, and any related expenses permitted by law until full settlement of the outstanding obligation.
The Company reserves the right to revise rates, fees, or product structures subject to applicable laws and internal policies.
Submission of an application does not guarantee approval.
All applications remain subject to:
The Company may approve, decline, suspend, request additional information, or withdraw any application at its sole discretion.
The Applicant acknowledges that:
The Applicant agrees that digital signatures, checkbox confirmations, OTP confirmations, uploaded signatures, and electronic acknowledgements may be treated as legally binding.
The Applicant authorizes Rever-Bridge Financial Services Ltd to verify any information provided including:
The Company may contact employers, banks, references, government institutions, credit bureaus, suppliers, customers, guarantors, agents, or any other relevant third party for verification purposes.
The Applicant confirms that all submitted information is true, accurate, and complete.
Submission of false, altered, misleading, forged, or fraudulent information may result in:
Approved facilities may be disbursed through:
The Applicant remains responsible for ensuring submitted account details are accurate. The Company shall not be liable for losses resulting from incorrect banking or payment details supplied by the Applicant.
The Borrower agrees to repay all amounts due according to the approved repayment schedule.
Repayments may be collected through:
Failure of payroll deductions, debit orders, or third-party payment arrangements shall not release the Borrower from repayment obligations.
The Borrower may settle the facility early subject to:
The Borrower shall be considered in default if:
Upon default, the Company may:
The Borrower agrees that the Company may use lawful recovery methods including:
All recovery-related legal costs, tracing costs, collection commissions, court costs, and related expenses may be charged to the Borrower where permitted by law.
The Borrower authorizes the Company to:
Where collateral is provided:
The Applicant consents to collection, processing, storage, and use of personal and business information for:
The Company may retain records electronically in accordance with operational and legal requirements.
The Applicant agrees that the Company may communicate through:
The Company shall not be liable for:
These Terms and Conditions shall be governed by the laws of the Republic of Zambia.
The Company reserves the right to amend these Terms and Conditions, products, fees, processes, or policies at any time.
These Terms and Conditions, together with approved schedules, loan agreements, repayment plans, policies, declarations, digital records, and supporting documents, constitute the full agreement between the Parties.
Rever-Bridge Financial Services Ltd
2nd Floor, Woodgate House, Cairo Road, Lusaka
Phone: 0573236001 | 0963276879
Email: info@reverbridge.com
Website: www.reverbridge.com