Terms of UseLatest Updated: 10th February, 2026
SupplySmart DIGITAL TECHNOLOGY LIMITED DIGITAL PRODUCT ACCESS AGREEMENT Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.SupplySmart.co digital products which are the digital products of SupplySmart Nigeria Limited (a company duly registered in Nigeria).
SupplySmart digital products are Fintech products and channels carefully developed to unlock access to financial services for the unbanked and underbanked.SupplySmart is not a lender or a financial institution but it provides a bridge between lenders and borrowers. Your access to and use of the digital products is conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all who access and use these digital products.
If you do not wish to be bound by this Agreement, do not access any of the SupplySmart digital products or channels.
SupplySmart digital products are Fintech products and channels carefully developed to unlock access to financial services for the unbanked and underbanked.SupplySmart is not a lender or a financial institution but it provides a bridge between lenders and borrowers. Your access to and use of the digital products is conditioned on your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all who access and use these digital products.
If you do not wish to be bound by this Agreement, do not access any of the SupplySmart digital products or channels.
1. AcceptanceBy accessing and using this digital product, you accept and agree that you shall be bound by this Terms and Conditions Agreement. By submitting your personal/financial details and data, you agree to comply with this Terms and Conditions Agreement. In the event that you fail to comply with these Terms and Conditions for any reason whatsoever, you agree that your access to and use of the digital product will be restricted or you will no longer have any access to the digital product. IF YOU DO NOT AGREE TO ABIDE BY THE TERMS AND CONDITIONS, PLEASE DO NOT CONTINUE TO ACCESS OR USE THE SupplySmart digital product.
2. Access to SupplySmart digital productYou agree that you are responsible for providing all hardware, software, telephone, mobile and/or other communications equipment and/or service to connect to the internet and access the SupplySmart digital product and are responsible for all internet access charges, telephone charges and other fees or charges incurred in connecting to the internet and accessing SupplySmart digital product.
3. User ConductYou agree to access and use the SupplySmart digital product for lawful purposes only. You are entirely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations relating to (a) your use of SupplySmart digital product (including any interactive area), (b) the use of any networks or other services connected to SupplySmart digital product and (c) the communication means by which you connect your computer, mobile phone, modem or other equipment to the SupplySmart digital product. By accessing the SupplySmart digital product, you agree that you will not:
Post or transmit any information, software or other material that contains a virus or other harmful component;Wilfully provide or give any information (personal or financial) about yourself which you know to be untrue, false, wrong, misleading, inaccurate or incomplete which will prevent, preclude or hinder SupplySmart from giving an accurate, true or detailed information to the Lender/third party or in generating an accurate credit rating. Restrict or inhibit any other user from using and enjoying any interactive features.
Wilfully post or give the information (personal or financial) of someone else as your own with the aim of securing a loan from the Lender/third party or acquiring better credit rating where you are fully aware that you have been blacklisted by lenders or that your credit rating is poor. Restrict or inhibit any other user from using and enjoying any interactive features on the SupplySmart digital product.
Post or transmit any unlawful, threatening, abusive, libellous, defamatory, vulgar, obscene, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national or international law. Post or transmit any information, software or other material which violates or infringes on the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right or derivative works with respect thereto, without first obtaining permission from the owner or rightsholder. Alter, damage or delete any content or other communication that is not your own content or to otherwise interfere with the ability of others to access the SupplySmart digital product. Disrupt the normal flow of communication in any interactive forum of the digital product.
Claim a relationship with or speak for any business, association, institution, or other organization for which you are not authorised to claim such a relationship. Violate any operating rule, policy or guideline of internet access provider or online service.
Wilfully post or give the information (personal or financial) of someone else as your own with the aim of securing a loan from the Lender/third party or acquiring better credit rating where you are fully aware that you have been blacklisted by lenders or that your credit rating is poor. Restrict or inhibit any other user from using and enjoying any interactive features on the SupplySmart digital product.
Post or transmit any unlawful, threatening, abusive, libellous, defamatory, vulgar, obscene, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offence, give rise to civil liability or otherwise violate any local, state, national or international law. Post or transmit any information, software or other material which violates or infringes on the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right or derivative works with respect thereto, without first obtaining permission from the owner or rightsholder. Alter, damage or delete any content or other communication that is not your own content or to otherwise interfere with the ability of others to access the SupplySmart digital product. Disrupt the normal flow of communication in any interactive forum of the digital product.
Claim a relationship with or speak for any business, association, institution, or other organization for which you are not authorised to claim such a relationship. Violate any operating rule, policy or guideline of internet access provider or online service.
4. Eligibility CriteriaYou agree and accept that in accessing and using the SupplySmart digital product you will have the following to enable you provide your personal/financial information to SupplySmart: an active and functional email address, an active phone number, a valid/verifiable address within Nigeria, an active bank account with a valid BVN and the current approved CBN cheque book for the bank you ordinarily use.
You also agree and accept that the respective Lender/third party have and reserve the right to set their own eligibility criteria with which they will assess and select their customers and that SupplySmart has no control over that criteria. SupplySmart does not guarantee that you will be granted a loan by any Lender/third party as the Lender/third party reserves the right to select their customers.
You also agree and accept that the respective Lender/third party have and reserve the right to set their own eligibility criteria with which they will assess and select their customers and that SupplySmart has no control over that criteria. SupplySmart does not guarantee that you will be granted a loan by any Lender/third party as the Lender/third party reserves the right to select their customers.
5. Selection ProcessYou agree and understand that once you provide and submit your information (whether personal or financial) via the SupplySmart digital product, the process for selection of whom to grant access to a loan/credit facility is not the responsibility of SupplySmart and it is the sole responsibility of the Lender/third party and at their absolute discretion. SupplySmart’s responsibility is to provide a platform through which the Lender/third party can have access to prequalified customers.
6. SupplySmart digital product Content.You acknowledge that content on the digital product is generally provided by SupplySmart, individual contributors of content, third party licensees and/or other users. You acknowledge that SupplySmart digital product permits access to content that is protected by copyrights, trademarks, and other proprietary (including intellectual property) rights, and that these intellectual property rights are valid and protected in all media existing now or later developed and except as is explicitly provided below, your use of content/information shall be governed by applicable copyright and other intellectual property laws. You acknowledge that SupplySmart owns a copyright in the appearance of the digital product (the look and feel) which includes the selection, coordination, arrangement and presentation of content or information on the digital product.
You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the content or information (in whole or in part) provided that you may however: (i) make a reasonable number of digital or other form of copies to permit your computer hardware/software or mobile device to access and view the content, (ii) print one copy of each piece of content or information, (iii) make and distribute a reasonable number of copies of content or information in whole or in part, in hard copy or electronic format for personal use only. Any permitted copies of content must reproduce in an unmodified form any notices contained in the content or information, such as all intellectual property right notices and an original source attribution to “the SupplySmart Digital Technology Ltd” and its URL address. You acknowledge that the SupplySmart digital product, its contributors, and/or affiliates remain the owners of the content or information and that you do not acquire any intellectual property rights by downloading or printing content.
You may not modify, copy, reproduce, transmit, distribute, publish, create derivative works from, display or otherwise transfer or commercially exploit any of the content or information (in whole or in part) provided that you may however: (i) make a reasonable number of digital or other form of copies to permit your computer hardware/software or mobile device to access and view the content, (ii) print one copy of each piece of content or information, (iii) make and distribute a reasonable number of copies of content or information in whole or in part, in hard copy or electronic format for personal use only. Any permitted copies of content must reproduce in an unmodified form any notices contained in the content or information, such as all intellectual property right notices and an original source attribution to “the SupplySmart Digital Technology Ltd” and its URL address. You acknowledge that the SupplySmart digital product, its contributors, and/or affiliates remain the owners of the content or information and that you do not acquire any intellectual property rights by downloading or printing content.