1. Acceptance and eligibility
These terms govern your use of Brisk Credit Limited websites, customer accounts, application tools and other digital services.
By using a Brisk digital service, you agree to these terms and our Privacy Policy. If you do not agree, do not use the service. You must be at least 18 years old and legally capable of entering a binding agreement.
These website terms do not replace a signed loan agreement, disclosure statement, repayment schedule or other product-specific document. Where there is a conflict, the applicable signed agreement and mandatory law control.
2. Information, applications and credit services
Website content is general information and may change. Submitting an enquiry or application does not guarantee approval, disbursement, a particular limit or any other credit outcome.
Brisk may verify information, request supporting documents, assess affordability and creditworthiness, conduct lawful fraud or identity checks, and accept or decline an application in accordance with applicable law and internal credit policy.
All charges, repayment obligations, due dates, consequences of default and product conditions applicable to an approved facility will be disclosed through the relevant agreement or legally required pre-contract information. Review those documents before accepting a facility.
3. Accounts, authentication and security
You must provide accurate, current and complete information. You are responsible for keeping your phone, email, account credentials and devices secure and for promptly telling us if they are lost, changed or compromised.
We may use one-time passwords or other authentication methods to verify your identity or approve an action. An OTP is confidential and must not be shared, forwarded or entered anywhere other than an authentic Brisk verification screen.
We may temporarily restrict an account where reasonably necessary to investigate suspected fraud, protect the account, comply with law or prevent harm.
4. Electronic communications
You agree that Brisk may send service communications through the contact details you provide, including phone, email, SMS or WhatsApp. Service messages may include application updates, authentication codes, account notices, payment information and support responses.
Marketing communications will be sent only as permitted by law. You may opt out of marketing, but you may still receive essential account, security, contractual or regulatory messages.
Delivery through a mobile network, email provider or messaging platform is not guaranteed and may be delayed by third-party systems. Keep your contact details current.
5. Acceptable use and your responsibilities
You must not:
- provide false, misleading or unauthorised information;
- impersonate another person or access another person's account;
- interfere with, probe, reverse engineer or bypass service security;
- use automated tools to overload, scrape or misuse the service;
- upload malicious code or use the service for unlawful activity; or
- copy or commercially exploit Brisk content, branding or software without permission.
You remain responsible for reviewing information before submission and for complying with any agreement you enter with Brisk.
6. Availability, third parties and liability
We work to keep our digital services secure and available, but we do not promise uninterrupted or error-free operation. Maintenance, network outages, provider failures, security events or circumstances beyond our reasonable control may affect availability.
Our services may link to or depend on third parties such as mobile network operators, M-Pesa, WhatsApp, identity providers or hosting providers. Their services are governed by their own terms, and Brisk is not responsible for third-party systems outside our reasonable control.
Nothing in these terms excludes liability or consumer rights that cannot lawfully be excluded. To the extent permitted by Kenyan law, Brisk is not liable for indirect or consequential loss arising solely from use of, or inability to use, the public website.
7. Third-party AI assistants
Brisk may make public information and read-only tools available through third-party AI services such as ChatGPT. These tools may explain published products, perform illustrative arithmetic and list branches. They do not submit a loan application, access a customer account, assess affordability, make a credit decision, promise approval, disburse funds or accept repayment.
AI-generated wording can be incomplete or incorrect. Verify important information on the Brisk website or with Brisk staff. A ChatGPT response or estimate is not a loan offer, agreement, approval or personalised financial advice; the disclosures and documents Brisk provides through its secure channels control.
Never provide an OTP, M-Pesa PIN, password, national ID number, statement or application document in an AI conversation. Use only Brisk's secure application process for personal or financial information.
8. Intellectual property, changes and governing law
Brisk owns or is licensed to use the website, software, content, trademarks and other intellectual property displayed through its services. Limited personal use does not transfer ownership.
We may update these terms to reflect changes in law, security, technology or services. Material changes will be communicated where required. Continued use after an effective update means the revised terms apply to future use.
If part of these terms is unenforceable, the remaining provisions continue to apply. A delay in enforcing a right is not a waiver of that right.
These terms are governed by the laws of Kenya. Disputes will be handled through applicable complaint, regulatory and court processes in Kenya.
For questions, contact info@briskcredit.co.ke or call +254 713 329 268.