Terms & Conditions

These Terms & Conditions govern access to the Salka mobile application, website, and related services made available by Salka Financial Services Limited.

By accessing or using a Salka service, you agree to use it only for lawful purposes and in accordance with the information, disclosures, and agreements presented to you within that service.

You are responsible for providing accurate, current, and complete information when creating or using an account. You must keep sign-in credentials, verification codes, and access links private and notify Salka if you believe your account has been accessed without permission.

Salka may ask for information or documents needed to verify identity, assess an application, administer a service, or meet applicable legal and regulatory requirements.

Submitting an application does not guarantee approval or create an obligation for Salka to provide a loan. Any approved amount, fees, repayment dates, and other applicable terms will be presented in the relevant offer or agreement before acceptance.

The terms of an accepted loan agreement apply in addition to these general terms. If there is a conflict concerning a specific loan, the signed loan agreement and applicable product disclosures take priority.

Available payment methods may be provided through banks, mobile-money operators, card processors, or other payment service providers. The applicable amount and any charges must be reviewed before a payment is confirmed.

A payment request, pending status, or on-screen acknowledgement is not necessarily confirmation of final settlement. Your Salka account and any provider confirmation should be checked for the final payment status.

Salka may use the phone number, email address, or in-app notification channels associated with your account to send security notices, application updates, payment information, agreements, and service communications.

You are responsible for keeping your contact details current and reviewing communications relating to your account and obligations.

You must not attempt to access another person's account, bypass security controls, interfere with the operation of a service, upload unlawful or harmful material, or use Salka services for fraud or any unauthorised purpose.

Salka may restrict or suspend access where reasonably necessary to protect customers, investigate suspected misuse, comply with legal obligations, or maintain the security and availability of its services.

Digital services may occasionally be unavailable because of maintenance, connectivity, provider interruption, or circumstances outside Salka's reasonable control. Salka may update its services and these terms as products, operations, or legal requirements change.

The updated date shown on this page identifies the version currently presented on the website.

Questions about these terms, account access, suspected security issues, or a Salka service may be directed to [email protected].