Terms of Service

Effective date: 1 January 2025  |  Last updated: 1 October 2026

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the Egrigo Finance digital platform, website, and all associated services (collectively, the "Platform"), operated by Egrigo Finance ("we", "us", "our").

By accessing the Platform or submitting a loan application, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy and Cookie Policy.

2. Eligibility

To use the Platform and apply for loan products, you must:

• Be at least 18 years of age
• Be a resident of an eligible country within the European Economic Area
• Have the legal capacity to enter into binding contracts
• Not be subject to any legal prohibition on borrowing

We reserve the right to verify your eligibility at any time and to restrict access where eligibility cannot be confirmed.

3. Account Registration

To access most features of the Platform you must register an account. You agree to:

• Provide accurate, complete, and current information during registration and at all times thereafter
• Maintain the confidentiality of your login credentials — do not share your password with anyone
• Notify us immediately at security@egrigo.com if you suspect unauthorised access to your account
• Be responsible for all activity that occurs under your account

We reserve the right to suspend or terminate your account if we reasonably believe it has been compromised or used in violation of these Terms.

4. Loan Products and Application Process

4.1 Loan products are subject to credit assessment, identity verification, and eligibility criteria. The submission of an application does not constitute or guarantee approval.

4.2 All loan offers are conditional upon successful completion of our KYC (Know Your Customer) process and verification of all information provided.

4.3 You agree to provide truthful, accurate, and complete information in your application. Providing false, misleading, or inaccurate information is a serious breach of these Terms and may constitute a criminal offence under applicable law.

4.4 Interest rates, fees, repayment schedules, and all other financial terms will be set out in your individual Loan Agreement. You should read your Loan Agreement carefully before signing.

4.5 Loan products are offered in accordance with applicable consumer credit regulations including Directive 2008/48/EC (Consumer Credit Directive) and Directive 2014/17/EU (Mortgage Credit Directive) where applicable.

5. Repayment Obligations

5.1 By accepting a Loan Offer and signing your Loan Agreement, you enter into a legally binding agreement to repay the loan principal, accrued interest, and any applicable fees in full, in accordance with the agreed repayment schedule.

5.2 Late or missed payments will result in:

• A late payment fee as specified in your Loan Agreement
• Continued accrual of interest on the outstanding balance at the agreed rate
• Reporting to one or more credit reference agencies, which may affect your credit score
• Escalation to our collections process

5.3 If you are experiencing financial difficulty, please contact us as soon as possible at help@egrigo.com. We have hardship support options available and are committed to treating customers in financial difficulty fairly.

5.4 Early repayment is permitted. An early repayment fee may apply — see your Loan Agreement for details.

6. Prohibited Conduct

You must not use the Platform to:

• Provide false, misleading, or fraudulent information at any point
• Commit or facilitate financial crime, including money laundering or terrorist financing
• Impersonate any person or entity
• Engage in any activity that disrupts, damages, or impairs the Platform or its security
• Attempt to gain unauthorised access to other users' accounts or our systems
• Use automated tools to scrape, harvest, or extract data from the Platform
• Violate any applicable law or regulation

Violations may result in immediate account suspension, referral to law enforcement, and legal action.

7. Right of Withdrawal (EU Consumer Rights)

In accordance with Directive 2008/48/EC, you have the right to withdraw from a consumer credit agreement within 14 calendar days from the date the agreement is concluded, without giving any reason. To exercise this right, notify us in writing at withdrawals@egrigo.com within the 14-day period. Upon withdrawal, you must repay the principal and accrued interest without undue delay and no later than 30 days after sending your withdrawal notice.

8. Anti-Phishing & Fraud Prevention

9. Intellectual Property

All content, trademarks, logos, software, and other intellectual property on the Platform are owned by or licensed to Egrigo Finance. You may not reproduce, distribute, or create derivative works from any part of the Platform without our prior written consent.

10. Disclaimer of Warranties

The Platform is provided on an "as is" and "as available" basis. We do not warrant that the Platform will be uninterrupted, error-free, or free of viruses or other harmful components. We are not responsible for the accuracy of indicative rates or calculator outputs — all figures are estimates only.

11. Limitation of Liability

To the maximum extent permitted by applicable law, Egrigo Finance and its directors, officers, employees, and agents shall not be liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Platform. Our total liability to you for any claim shall not exceed the total amount of fees paid by you to us in the 12 months preceding the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law.

12. Indemnification

You agree to indemnify and hold harmless Egrigo Finance from any claims, losses, or damages (including reasonable legal fees) arising from: your breach of these Terms, your violation of any law, or your provision of false or misleading information.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the jurisdiction in which Egrigo Finance is registered. Any disputes shall be subject to the exclusive jurisdiction of the competent courts in that jurisdiction, without prejudice to your rights as a consumer under mandatory local law.

If you are an EU consumer, you may also use the European Commission's Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr.

14. Changes to These Terms

We reserve the right to update these Terms. For material changes, we will provide at least 30 days' notice by email to registered users. Continued use of the Platform after the effective date of any changes constitutes acceptance. The current version is always available at egrigo.com/terms.

15. Contact

General enquiries: info@egrigo.com
Legal and compliance: legal@egrigo.com
Security and fraud: security@egrigo.com

Last updated: 1 October 2026. These Terms were prepared in good faith and in accordance with applicable EU consumer and financial services law. They do not constitute legal advice. Egrigo Finance recommends that users seek independent legal advice if in doubt about their rights or obligations.