Submitting an application does not guarantee loan approval. All applications are subject to review, verification, affordability assessment and final approval by SureFlow Finance.

You confirm that all information provided is true, accurate and complete. Providing false, misleading or incomplete information may result in your application being declined or any approved loan being withdrawn.

You authorise SureFlow Finance to verify the information provided in your application. This may include contacting employers, guarantors, references, banks or other relevant parties where necessary.

Loan amounts, repayment terms and interest rates are determined at the sole discretion of SureFlow Finance and may vary based on affordability, repayment history, account conduct and other risk factors.

If approved, you agree to repay the loan in accordance with the agreed repayment schedule. Failure to make repayments on time may result in additional collection efforts and may affect your eligibility for future loans.

You consent to being contacted by SureFlow Finance via phone call, SMS, WhatsApp, email or other communication methods regarding your application, loan account and repayment obligations.

Where a guarantor or reference is provided, you confirm you have obtained their permission to share their details with SureFlow Finance.

Your personal information will be handled confidentially and used solely for the purpose of processing, managing and administering your application and any approved loan, subject to applicable laws and regulations.

Any request for a repayment extension must be made before the repayment due date and remains subject to review and approval by SureFlow Finance.

Approval of one loan does not guarantee approval of future applications. Future lending decisions will be based on repayment history, affordability and other relevant factors.

SureFlow Finance may assign unique customer and guarantor reference numbers for identification and account administration purposes.

These may include:

• SCRN (SureFlow Client Reference Number)

• SGRN (SureFlow Guarantor Reference Number)

Reference numbers remain the property of SureFlow Finance and may be used for future applications, account enquiries, loyalty programmes, savings memberships, and verification processes.

Assignment of a reference number does not guarantee approval for any loan, savings product, benefit, promotion, or future service.

Returning borrowers and guarantors may be eligible for simplified application or verification processes.

Eligibility for Repeat Borrower Forms, Repeat Guarantor Forms, Trusted Guarantor status, or similar streamlined services is determined at the sole discretion of SureFlow Finance.

SureFlow Finance reserves the right to request updated identification, proof of address, proof of income, declarations, video verification, guarantor agreements, or any other supporting information at any time, regardless of previous verification history.

Participation in a previous application does not automatically qualify a borrower or guarantor for future simplified processes.

1. Trust Scores and Tier Progression

SureFlow Finance may use an internal Trust Score and Tier System when assessing customer eligibility for certain services, benefits, and borrowing opportunities.

Factors considered may include:

• Repayment history

• Number of successfully completed loan cycles

• Communication and responsiveness

• Account conduct

• Savings participation

• Guarantor history

• Verification records

• Other internal risk assessment criteria

Tier progression is not automatic and remains subject to review and approval by SureFlow Finance.

2. Trusted Access Programme

The SureFlow Trusted Access Programme is an invitation-only benefit available to selected customers.

Trusted Access limits, eligibility requirements, repayment terms, and programme benefits may be amended, suspended, reduced, increased, or withdrawn at any time.

Participation in the Trusted Access Programme does not guarantee approval of any borrowing request.

All Trusted Access requests remain subject to review and responsible lending assessments.

3. SureFlow Circle Savings Programmes

SureFlow Circle savings programmes are designed to encourage consistent saving habits and financial planning.

Members may be required to comply with minimum participation periods, contribution requirements, verification procedures, and withdrawal rules.

Withdrawal requests may be subject to review and processing periods.

SureFlow Finance reserves the right to verify account ownership and identity before releasing any funds.

4. Community Savings Boosts, Birthday Savings Boosts & Promotions

SureFlow Finance may from time to time offer Community Savings Boosts, Birthday Savings Boosts, competitions, giveaways, rewards, incentives, loyalty programmes, and promotional activities.

Participation in such programmes is voluntary and subject to eligibility requirements determined by SureFlow Finance.

Unless otherwise stated, all promotional rewards are discretionary and may be modified, suspended, substituted, withdrawn, or discontinued at any time without prior notice.

SureFlow Finance reserves the right to determine eligibility, participation requirements, reward amounts, and selection criteria.

5. Bright Futures Club

Bright Futures Club is a savings-focused initiative intended to encourage long-term financial planning for children and future educational goals.

Participation in the programme does not guarantee grants, scholarships, financial awards, or future benefits.

Any promotions, incentives, or member benefits offered through Bright Futures Club remain subject to eligibility requirements and programme rules.

6. General Reservation of Rights

SureFlow Finance reserves the right to review, amend, suspend, discontinue, or modify any customer programme, loyalty benefit, savings initiative, membership scheme, promotional activity, reward programme, tier system, Trust Score framework, or customer benefit at any time.

All decisions made by SureFlow Finance regarding programme eligibility, account standing, Trust Scores, tier progression, promotions, rewards, and customer benefits shall be final.

SureFlow Finance reserves the right to decline any application without obligation to provide detailed reasons.

By submitting this application, you confirm that you have read, understood and agree to these Terms & Conditions.