Terms and Conditions

• Be at least 18 years old.
• Be a resident of Ghana.
• Meet our creditworthiness and risk assessment criteria.

Loan Application Process:
You may apply for a loan through the Pod platform by completing a digital application. Pod facilitates the submission of your application to licensed partner financial institutions. Required information may include proof of identity, income details, and other data necessary for credit evaluation by the lending partner.

Loan Amount & Terms:
Loan amounts and approval decisions are determined by the partner financial institution based on their credit assessment policies. If approved, you will receive a loan agreement directly from the lending institution outlining the principal amount, repayment period, applicable interest rate, and repayment schedule.

Fees & Charges:
Applicable fees may include, but are not limited to:

• Processing fee: 2% (may be charged by the lending partner or through the platform)
• Late payment fee: as determined by the lender
• All fees will be clearly disclosed in your loan agreement prior to acceptance.

Repayment Terms:
Loan repayments must be made in accordance with the schedule outlined in your agreement with the lending partner. Pod may facilitate repayment through integrated payment channels. Late or missed payments may incur penalties and could impact your credit profile.

Interest Rates:
Interest rates are set by the partner financial institution and may be fixed or variable depending on the product. Full details will be provided in the loan agreement before acceptance.

Default and Collections:
In the event of missed payments, the lending partner reserves the right to initiate recovery actions in line with applicable laws and regulations. These may include:

• Reporting defaults to credit bureaus
• Engaging third party collection agencies
• Initiating legal proceedings where necessary

Pod may support the collections process on behalf of its partners but does not act as the lender.

• Eligibility for Device Financing:
  Customers must meet specific creditworthiness requirements to qualify for device financing. A minimum down payment may be required.
• Financing Terms:
  Device financing agreements will include the cost of the device, financing amount, down payment, interest rate (if any), and the repayment schedule. Payments will be made in equal monthly installments over the agreed period.
• Device Ownership:
  Ownership of the mobile device will transfer to the customer upon completion of all payments. Until the full payment is made, the device remains the property of POD Solutions.
• Warranty & Returns:
  Devices purchased through financing are subject to the manufacturer’s warranty. We do not provide additional warranties unless explicitly stated. Devices can only be returned under the manufacturer’s return policy.

• [Percentage] of the transaction value per transaction.
• Flat service fees for certain types of transactions (if applicable).

 Applicable fees may include, but are not limited to:

• Processing fee: 2% (may be charged by the lending partner or through the platform)
• Late payment fee: as determined by the lender
• All fees will be clearly disclosed in your loan agreement prior to acceptance.

• Website: http://www.podgh.com
• Email: support@podgh.com
• Phone: 0545759704, 054759711
• Address:  No.89 Ringway Estate - Ghana