SapaClear

SapaClear– Virtual Card & Credit Access SapaClear is a fintech-powered virtual card application that provides secure, transparent, and flexible access to digital credit services. Eligible users can activate a virtual card and access a personalized credit line based on profile verification and internal risk assessment. Registration & Account Setup Users complete a simple onboarding process including phone number verification, basic personal information submission, and identity verification (where applicable). These steps ensure compliance, account security, and responsible usage. Security & Compliance SapaClear is designed to operate in accordance with applicable financial services, consumer protection, and data protection requirements in the markets where it is available. We use security safeguards such as data encryption, access control, secure transmission, and internal security procedures to help protect user information. User data is processed only for legitimate service, security, compliance, and risk assessment purposes, as described in our Privacy Policy. Core Services Users can activate a virtual card to manage credit access and monitor transactions. After activation, a credit limit may be assigned based on profile evaluation. Users can select an amount within their limit and review repayment details before confirming. Credit access is flexible and subject to eligibility and system assessment. Credit Service Information User eligibility is evaluated using internal risk assessment models. Approval and credit limits are determined based on multiple factors. • Credit Amount: ₦1,000 – ₦400,000 • Loan Term: 3 to 18 months • Daily Interest Rate: 0.05%-0.08% • Annual Percentage Rate (APR): 18.25% – 29.2% (Actual rates may vary based on user eligibility and assessment.) Example (For Illustration Only) Credit Amount: ₦200,000 Loan Term: 6 months / 180 days Daily Interest Rate: 0.08% Total Interest: ₦28,800 Total Repayment: ₦228,800 Interest is calculated on a daily basis. No hidden fees. All applicable charges and repayment schedules are clearly disclosed before confirmation. Important Notes Approval is not guaranteed. Credit limits vary depending on eligibility. Users must review all terms before confirming. Late repayment may incur additional charges, which will be disclosed in advance. The service is intended for responsible financial usage. Repayment & Notifications Users receive repayment reminders via in-app notifications and email (if provided). Repayment details can be reviewed at any time within the app. Data Usage & Privacy SapaClear collects only the data necessary to provide services and improve user experience. We do not access sensitive personal data unless it is necessary for service delivery, verification, security, compliance, or where user consent or another valid legal basis applies. And we do not sell user data. Contact Us Customer Support: +234 9136275122 Email: SapaClearCustomerService@gmail.com Website: https://www.oyakudipro.com