1. Acceptance of Terms
By accessing or using mrlfinance.com (the “Site”) and/or applying for financing, you agree to these Terms of Use (“Terms”). If you do not agree, do not use the Site.

2. About MRL Finance
MRL Finance Ltd (“MRL Finance”, “we”, “us”) provides 0% interest asset financing and related services. Specific finance agreements you sign will prevail over any conflicting Site terms.

3. Eligibility
To use the Site or apply for financing, you must be at least 18 years old and legally capable of entering into binding contracts.

4. Accounts & Security
You may need to create an account or submit personal data. You are responsible for maintaining the confidentiality of any login credentials and for all activity under your account.

5. Application & Financing
Submitting an application does not guarantee approval.

Approval is subject to verification of documents and compliance checks.

Repayment terms, deposits, and ownership transfer are defined in your finance agreement.

Missing payments may lead to penalties or repossession as per the finance agreement.

6. Fees & Payments
Any applicable fees or charges will be clearly disclosed in your finance agreement. We do not charge interest-ever.

7. Prohibited Conduct
You agree not to:

Use the Site for unlawful purposes.

Provide false or misleading information.

Attempt to interfere with the Site’s security or operations.

8. Intellectual Property
All content on the Site is owned by or licensed to MRL Finance. You may not reproduce or distribute content without our written consent.

9. Privacy & Data Protection
Our handling of personal data is governed by our Privacy Policy. By using the Site, you consent to such processing.

10. Disclaimers
The Site is provided “as is.” We make no warranties (express or implied) regarding accuracy, availability, or fitness for a particular purpose.

11. Limitation of Liability
To the maximum extent permitted by law, MRL Finance is not liable for indirect, incidental, or consequential damages arising from your use of the Site or services.

12. Indemnity
You agree to indemnify and hold MRL Finance harmless against claims arising from your breach of these Terms or misuse of the Site.

13. Changes to Terms
We may update these Terms at any time. Changes are effective upon posting. Continued use of the Site indicates acceptance.

14. Governing Law & Dispute Resolution
These Terms are governed by the laws of Kenya. Disputes shall be resolved amicably; failing that, they will be submitted to the courts of [City/County, e.g., Mombasa], Kenya.

15. Contact Information
Questions about these Terms: hello@mrlfinance.com