Terms of Use

Effective Date: 31^st March, 2025

Introduction
Welcome to Hela Fix. These Terms of Use (“Terms”) govern your access to and use of www.helafix.co.ke (“Site”), including any content, functionality, and services offered. By using our Site, you agree to comply with and be bound by these Terms. If you do not agree, please do not use our Site.

1. Use of Our Services
   Hela Fix provides a platform to connect users with loan providers. We do not directly offer loans but facilitate lead generation for lenders. You agree to use our Site only for lawful purposes and in compliance with these Terms.
2. Eligibility
   You must be at least 18 years old to use our services. By using our Site, you represent that you meet this requirement.
3. User Responsibilities
   When using our Site, you agree to:

• Provide accurate and truthful information when submitting loan inquiries.
• Not use the Site for any fraudulent, unlawful, or harmful purposes.
• Refrain from attempting to access unauthorized areas of the Site.
• Not distribute viruses, malware, or any other harmful technology.

4. Third-Party Services
   Hela Fix partners with third-party lenders and financial institutions. We do not endorse, guarantee, or take responsibility for their services. You acknowledge that any agreement between you and a lender is independent of Hela Fix.
5. Intellectual Property
   All content on the Site, including text, graphics, logos, and software, is the property of Hela Fix or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or use our content without our written permission.
6. Disclaimers

• Hela Fix does not guarantee loan approvals, interest rates, or terms.
• We do not provide financial, legal, or tax advice.
• The Site is provided “as is” without warranties of any kind, either express or implied.

7. Limitation of Liability
   Hela Fix shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Site, including loss of data, financial loss, or business interruption.
8. Indemnification
   You agree to indemnify and hold Hela Fix, its affiliates, employees, and partners harmless from any claims, losses, or damages resulting from your violation of these Terms or misuse of the Site.
9. Modifications to Terms
   Hela Fix may update these Terms from time to time. Any changes will be posted on this page with the revised effective date. Your continued use of the Site after such changes constitutes acceptance of the new Terms.
10. Governing Law
    These Terms are governed by the laws of [Insert Jurisdiction]. Any disputes shall be resolved in the courts of [Insert Jurisdiction].
11. Contact Us
    If you have any questions about these terms, please contact us.