Terms and conditions

1. About these terms

These terms apply to all members and anyone who uses this website or contacts Supportz Mobility Services Limited. Please read them before you join.

2. Membership

Membership is open to Nigerians aged 18 and above who give accurate information. You must tell us promptly if your name, phone number, occupation, or circumstances change.

You are in good standing when you have no outstanding loan arrears, no pending disciplinary action, and have not broken Supportz policy. Supportz may refuse or end membership where false information is given.

3. Fuel Advance

Fuel Advance is for registered driver members in good standing who keep a minimum savings balance of NGN 20,000. That balance is your money and stays accessible 24 hours a day, 7 days a week.

Repayment is due within seven days of disbursement. Late repayment can attract a penalty, pause further fuel advances, and, if it continues, lead to suspension from services. Limits are set from your savings history, repayment record, and current balance.

4. Vehicle Repair

Vehicle Repair is for members who keep the NGN 20,000 minimum balance and have no unpaid advances. It covers cars, keke, and motorcycles used for commercial transport. Recreational vehicles are not covered.

Repayment follows a schedule agreed before disbursement. The standard window for vehicle repair is one week. Supportz may use partner mechanics or approve a mechanic you choose.

5. Thrift savings

All savings, including the NGN 20,000 minimum, remain yours and are accessible at all times unless you give written consent to a restriction. Savings are held in a Supportz corporate account at a licensed Nigerian bank and are not placed in speculative investments without your consent.

House rent and school fees packages that run for four consecutive months without withdrawal earn a 2% interest bonus at collection. Early withdrawal returns the principal and forfeits the bonus. Members who keep NGN 20,000 monthly may receive 5GB of data, subject to network availability. Food thrift is paid in November or December. Early withdrawal from food thrift may attract an administrative charge.

6. Soft loans

After four weeks of consistent saving, members may apply for a soft loan. A guarantor who is a Supportz member in good standing is required and accepts joint liability on default.

Outstanding loans may not exceed three times your savings balance unless management approves otherwise. Interest is stated before disbursement. Repay daily, weekly, or monthly as agreed. Default pauses credit services, brings in the guarantor, and can lead to recovery action and removal from the platform.

7. Minimum balance for driver services

Fuel Advance, Vehicle Repair, and the monthly data reward need a NGN 20,000 savings balance. Falling below that amount pauses those services until the balance is restored. Members who are not drivers and do not need those services may save any amount.

8. Member conduct

Give truthful information. Treat staff and other members with respect. Misrepresentation, document fraud, abuse, or repeated non-compliance can lead to suspension, termination, and legal action.

9. Disputes

Raise a dispute first with management by WhatsApp or email. We will try to resolve it within seven working days. If that fails, the matter may go to the relevant authority. These terms are governed by the laws of the Federal Republic of Nigeria.

10. Changes

We may update these terms. Where a change materially affects member rights, we will give at least seven days notice on WhatsApp. Continued use of Supportz services after a change means you accept the new terms.

11. Contact

WhatsApp +234 813 929 6737 or +234 811 756 3137. Email smszlimited@gmail.com. Offices in Port Harcourt, Rivers State. Hours: Monday to Saturday, 8:00 AM to 6:00 PM.