Conditions G\u00e9n\u00e9rales des Pr\u00eats \u2013 Progressive Credit Limited<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:wght@400;600;700&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --green: #18B14A;\n --green-dark: #0f8a38;\n --green-light: #e8f9ee;\n --orange: #FF5919;\n --orange-light: #fff3ee;\n --navy: #0D1F14;\n --cream: #F7FAF8;\n --white: #FFFFFF;\n --text: #1A2E20;\n --muted: #5A7264;\n --border: #D6EAD9;\n --shadow: 0 4px 24px rgba(24,177,74,0.08);\n }\n *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n body { font-family: 'Garamond', sans-serif; background: var(--cream); color: var(--text); line-height: 1.75; }\n\n \/* \u2500\u2500 HERO \u2500\u2500 *\/\n .pcl-hero { background: var(--navy); position: relative; overflow: hidden; padding: 68px 40px 60px; text-align: center; }\n .pcl-hero::before { content: ''; position: absolute; inset: 0; 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var(--green) 0%, var(--orange) 40%, transparent 100%); margin-bottom: 24px; opacity: 0.25; border-radius: 2px; }\n\n \/* \u2500\u2500 CLAUSE BLOCKS \u2500\u2500 *\/\n .pcl-clauses { display: flex; flex-direction: column; gap: 0; }\n .pcl-clause { padding: 14px 0; border-bottom: 1px solid rgba(214,234,217,0.6); }\n .pcl-clause:last-child { border-bottom: none; }\n .pcl-clause-id { font-size: 11px; font-weight: 700; color: var(--orange); letter-spacing: 1px; margin-bottom: 4px; }\n .pcl-clause-body { font-size: 14.5px; color: var(--text); line-height: 1.75; }\n .pcl-clause-body a { color: var(--green); text-decoration: none; }\n .pcl-clause-body a:hover { text-decoration: underline; }\n\n \/* \u2500\u2500 SUB-CLAUSES (level 3) \u2500\u2500 *\/\n .pcl-sub-clauses { margin-top: 10px; display: flex; flex-direction: column; gap: 8px; padding-left: 20px; border-left: 2px solid rgba(24,177,74,0.2); }\n .pcl-sub-clause { display: flex; gap: 12px; align-items: flex-start; }\n .pcl-sub-id { font-size: 11px; font-weight: 700; color: var(--green); flex-shrink: 0; margin-top: 3px; min-width: 36px; }\n .pcl-sub-body { font-size: 14px; color: var(--text); line-height: 1.7; }\n .pcl-sub-body a { color: var(--green); }\n\n \/* \u2500\u2500 LEVEL 4 (lettered items) \u2500\u2500 *\/\n .pcl-items { margin-top: 10px; display: flex; flex-direction: column; gap: 6px; padding-left: 16px; }\n .pcl-item { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; color: var(--muted); line-height: 1.65; }\n .pcl-item-id { font-size: 11px; font-weight: 700; color: var(--orange); flex-shrink: 0; margin-top: 3px; min-width: 20px; }\n\n \/* \u2500\u2500 HIGHLIGHT \/ CALLOUT \u2500\u2500 *\/\n .pcl-highlight { background: var(--white); border: 1px solid var(--border); border-left: 4px solid var(--orange); border-radius: 0 8px 8px 0; padding: 14px 18px; margin: 8px 0; font-size: 14.5px; color: var(--text); line-height: 1.7; }\n .pcl-highlight strong { color: var(--green-dark); }\n\n \/* \u2500\u2500 PRODUCT CARDS \u2500\u2500 *\/\n .pcl-product-card { background: var(--white); border: 1px solid var(--border); border-radius: 10px; overflow: hidden; margin-bottom: 28px; box-shadow: var(--shadow); }\n .pcl-product-card-header { background: var(--navy); padding: 16px 24px; display: flex; align-items: center; gap: 12px; }\n .pcl-product-badge { background: var(--green); color: #fff; font-size: 11px; font-weight: 700; padding: 4px 10px; border-radius: 20px; letter-spacing: 0.5px; }\n .pcl-product-card-header h3 { font-family: 'Playfair Display', serif; font-size: 18px; font-weight: 600; color: #fff; }\n .pcl-product-card-body { padding: 20px 24px; }\n .pcl-product-card-body .pcl-clause { padding: 12px 0; }\n\n \/* \u2500\u2500 DATA RIGHTS BOX \u2500\u2500 *\/\n .pcl-rights-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(230px, 1fr)); gap: 12px; margin: 12px 0 4px; }\n .pcl-right-card { background: var(--white); border: 1px solid var(--border); border-radius: 10px; padding: 16px 18px; box-shadow: var(--shadow); transition: transform 0.2s; position: relative; overflow: hidden; }\n .pcl-right-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px; background: linear-gradient(90deg, var(--green), var(--orange)); }\n .pcl-right-card:hover { transform: translateY(-2px); }\n .pcl-right-card-label { font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--orange); margin-bottom: 6px; }\n .pcl-right-card p { font-size: 13px; color: var(--muted); line-height: 1.6; }\n\n \/* \u2500\u2500 CONTACT STRIP \u2500\u2500 *\/\n .pcl-contact-strip { background: var(--green-light); border: 1px solid rgba(24,177,74,0.25); border-radius: 8px; padding: 16px 20px; display: flex; align-items: center; gap: 14px; margin: 12px 0; flex-wrap: wrap; }\n .pcl-contact-strip-icon { font-size: 22px; flex-shrink: 0; }\n .pcl-contact-strip p { font-size: 14px; color: var(--text); }\n .pcl-contact-strip strong { color: var(--green-dark); }\n\n \/* \u2500\u2500 NOTICE BOX \u2500\u2500 *\/\n .pcl-notice { background: var(--orange-light); border-left: 4px solid var(--orange); border-radius: 0 8px 8px 0; padding: 14px 18px; margin: 8px 0; font-size: 14px; color: #7a2c08; line-height: 1.7; }\n\n \/* \u2500\u2500 CONTACT BANNER \u2500\u2500 *\/\n .pcl-contact { background: var(--green); border-radius: 12px; padding: 40px 36px; text-align: center; margin-top: 56px; position: relative; overflow: hidden; }\n .pcl-contact::before { content: ''; position: absolute; top: -60px; right: -60px; width: 220px; height: 220px; background: radial-gradient(circle, rgba(255,255,255,0.08) 0%, transparent 70%); }\n .pcl-contact::after { content: ''; position: absolute; bottom: -40px; left: -40px; width: 180px; height: 180px; background: radial-gradient(circle, rgba(255,89,25,0.18) 0%, transparent 70%); }\n .pcl-contact h3 { font-family: 'Playfair Display', serif; font-size: 22px; color: #fff; margin-bottom: 10px; position: relative; }\n .pcl-contact p { font-size: 14px; color: rgba(255,255,255,0.78); margin-bottom: 22px; position: relative; }\n .pcl-contact-btns { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; position: relative; }\n .pcl-btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; border-radius: 6px; font-size: 14px; font-weight: 600; text-decoration: none; transition: all 0.2s; font-family: 'DM Sans', sans-serif; border: none; cursor: pointer; }\n .pcl-btn-orange { background: var(--orange); color: #fff; }\n .pcl-btn-orange:hover { background: #e04d14; }\n .pcl-btn-white { background: rgba(255,255,255,0.15); color: #fff; border: 1px solid rgba(255,255,255,0.3); }\n .pcl-btn-white:hover { background: rgba(255,255,255,0.25); }\n\n \/* \u2500\u2500 FOOTER \u2500\u2500 *\/\n .pcl-footer { text-align: center; padding: 24px 0 0; font-size: 12px; color: var(--muted); border-top: 1px solid var(--border); margin-top: 40px; }\n .pcl-footer strong { color: var(--green); }\n<\/style>\n<\/head>\n<body>\n\n\n<div class=\"pcl-hero\">\n <p class=\"pcl-hero-eyebrow\">Progressive Credit Limited<\/p>\n <h1>Conditions G\u00e9n\u00e9rales<br><em>des Pr\u00eats<\/em><\/h1>\n <div class=\"pcl-hero-meta\">\n <span>Version 1.0<\/span><span class=\"dot\"><\/span>\n <span>Septembre 2026<\/span><span class=\"dot\"><\/span>\n <span>pcrr.paza.co.ke<\/span>\n <\/div>\n<\/div>\n\n<div class=\"pcl-wrap\">\n\n \n <div class=\"pcl-toc\">\n <div class=\"pcl-toc-title\">\n <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#18B14A\" stroke-width=\"2.5\"><path d=\"M8 6h13M8 12h13M8 18h13M3 6h.01M3 12h.01M3 18h.01\"\/><\/svg>\n Table des Mati\u00e8res\n <\/div>\n <div class=\"pcl-toc-grid\">\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">01<\/span>Acceptation des Conditions<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">02<\/span>D\u00e9finitions<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">03<\/span>Nos Produits de Pr\u00eat<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">04<\/span>\u00c9ligibilit\u00e9 et Ouverture de Dossier<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">05<\/span>Votre Demande de Pr\u00eat<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">06<\/span>Droit de R\u00e9tention et Compensation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">07<\/span>Relev\u00e9s de Compte<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">08<\/span>Int\u00e9r\u00eats, Frais et P\u00e9nalit\u00e9s<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">09<\/span>R\u00e9clamations Client<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">10<\/span>Comptes et Dossiers Inactifs<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">11<\/span>Consentement & Protection des Donn\u00e9es<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">12<\/span>Divulgation d'Informations<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">13<\/span>Vos Responsabilit\u00e9s<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">14<\/span>Exclusion de Responsabilit\u00e9<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">15<\/span>Propri\u00e9t\u00e9 Intellectuelle<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">16<\/span>Indemnisation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">17<\/span>Modification & R\u00e9siliation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">18<\/span>Avis et Communications<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">19<\/span>R\u00e9solution des Litiges & Droit Applicable<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">20<\/span>Dispositions Diverses<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">21<\/span>Dur\u00e9e de l'Accord<\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">01<\/div><h2 class=\"pcl-section-title\">Acceptation des Conditions<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.1<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales r\u00e9gissent la relation entre vous (\u00ab le Client \u00bb) et Progressive Credit Limited (\u00ab PCL \u00bb, \u00ab nous \u00bb), soci\u00e9t\u00e9 de cr\u00e9dit op\u00e9rant en R\u00e9publique D\u00e9mocratique du Congo, pour tout produit de pr\u00eat souscrit aupr\u00e8s de nous.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.2<\/div><div class=\"pcl-clause-body\">En soumettant une demande de pr\u00eat, en signant une offre de pr\u00eat, ou en utilisant l'un de nos services, vous reconnaissez avoir lu, compris et accept\u00e9 les pr\u00e9sentes Conditions G\u00e9n\u00e9rales.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.3<\/div><div class=\"pcl-clause-body\">Ces Conditions G\u00e9n\u00e9rales et toute modification ult\u00e9rieure prennent effet \u00e0 leur date de publication et restent disponibles sur <a href=\"https:\/\/drc.progressivecr.com\/en\/\">pcrr.paza.co.ke<\/a> et dans nos agences.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">02<\/div><h2 class=\"pcl-section-title\">D\u00e9finitions<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">2.1<\/div><div class=\"pcl-clause-body\">Dans les pr\u00e9sentes Conditions G\u00e9n\u00e9rales, les termes suivants ont la signification ci-dessous :<\/div><\/div>\n <div class=\"pcl-sub-clauses\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.1<\/span><span class=\"pcl-sub-body\"><strong>\u00ab PCL \u00bb<\/strong> d\u00e9signe Progressive Credit Limited, y compris ses agences, filiales, successeurs et ayants droit en R\u00e9publique D\u00e9mocratique du Congo.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.2<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Client \u00bb ou \u00ab Emprunteur \u00bb<\/strong> d\u00e9signe toute personne physique ou morale au nom de laquelle un pr\u00eat PCL est accord\u00e9.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.3<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Offre de Pr\u00eat \u00bb<\/strong> d\u00e9signe le document remis au Client pr\u00e9cisant le montant, la dur\u00e9e, le taux d'int\u00e9r\u00eat, les frais et les modalit\u00e9s de remboursement du pr\u00eat accord\u00e9.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.4<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Garantie \u00bb<\/strong> d\u00e9signe tout bien, document ou engagement remis par le Client \u00e0 PCL pour s\u00e9curiser le remboursement du pr\u00eat (carte rose, titre foncier, accord de check-off, ou autre selon le produit).<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.5<\/span><span class=\"pcl-sub-body\"><strong>\u00ab LACE \u00bb<\/strong> d\u00e9signe les frais de dossier (Loan Application and Commitment Expense) factur\u00e9s \u00e0 l'ouverture d'un pr\u00eat.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.6<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Vous \u00bb, \u00ab votre \u00bb<\/strong> d\u00e9signe le Client, y compris ses repr\u00e9sentants l\u00e9gaux ou mandataires d\u00fbment autoris\u00e9s.<\/span><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">03<\/div><h2 class=\"pcl-section-title\">Nos Produits de Pr\u00eat<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.1<\/div><div class=\"pcl-clause-body\">PCL propose plusieurs produits de cr\u00e9dit destin\u00e9s aux particuliers, aux fonctionnaires et employ\u00e9s d'institutions partenaires, aux PME et aux entreprises en R\u00e9publique D\u00e9mocratique du Congo, notamment le Fonds de Roulement PME, le Pr\u00eat Motoadvance, le Pr\u00eat sur Salaire (Institutions Priv\u00e9es), le Pr\u00eat Diaspora PME, le Pr\u00eat aux Entreprises Mini\u00e8res, le Financement de V\u00e9hicule \u00e0 Moteur, le Fonds de Roulement Micro-Entreprise et le Pr\u00eat Relais Scolaire.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.2<\/div><div class=\"pcl-clause-body\">Chaque produit dispose de conditions sp\u00e9cifiques (montant, dur\u00e9e, garantie exig\u00e9e, crit\u00e8res d'\u00e9ligibilit\u00e9) d\u00e9taill\u00e9es sur sa page d\u00e9di\u00e9e sur <a href=\"https:\/\/drc.progressivecr.com\/en\/nos-produits\/\">pcrr.paza.co.ke\/nos-produits<\/a> et confirm\u00e9es dans l'Offre de Pr\u00eat remise au Client. En cas de divergence, l'Offre de Pr\u00eat sign\u00e9e pr\u00e9vaut sur toute description publi\u00e9e sur le site.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.3<\/div><div class=\"pcl-clause-body\">PCL se r\u00e9serve le droit d'introduire, de modifier ou de retirer un produit de pr\u00eat \u00e0 tout moment, sans que cela n'affecte les pr\u00eats d\u00e9j\u00e0 d\u00e9caiss\u00e9s.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">04<\/div><h2 class=\"pcl-section-title\">\u00c9ligibilit\u00e9 et Ouverture de Dossier<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.1<\/div><div class=\"pcl-clause-body\">Pour solliciter un pr\u00eat PCL, vous devez \u00eatre \u00e2g\u00e9 d'au moins 18 ans, disposer d'une pi\u00e8ce d'identit\u00e9 valide, et remplir les crit\u00e8res d'\u00e9ligibilit\u00e9 propres au produit demand\u00e9.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.2<\/div><div class=\"pcl-clause-body\">Vous devez fournir tous les documents requis pour l'\u00e9valuation de votre dossier, notamment une pi\u00e8ce d'identit\u00e9, un justificatif de domicile ou d'activit\u00e9, des relev\u00e9s bancaires ou preuves de revenus, et les documents relatifs \u00e0 la garantie propos\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.3<\/div><div class=\"pcl-clause-body\">PCL se r\u00e9serve le droit de v\u00e9rifier l'exactitude des informations fournies, de solliciter des documents compl\u00e9mentaires, et de refuser toute demande \u00e0 sa seule discr\u00e9tion, sans obligation de justifier sa d\u00e9cision.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.4<\/div><div class=\"pcl-clause-body\">Toute fausse d\u00e9claration ou omission substantielle constitue un motif de rejet de la demande ou de r\u00e9siliation imm\u00e9diate du pr\u00eat d\u00e9j\u00e0 accord\u00e9.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">05<\/div><h2 class=\"pcl-section-title\">Votre Demande de Pr\u00eat<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.1<\/div><div class=\"pcl-clause-body\">Toute demande soumise via notre site, en agence ou par tout autre canal officiel de PCL est trait\u00e9e selon nos proc\u00e9dures internes d'\u00e9valuation et de comit\u00e9 de cr\u00e9dit.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.2<\/div><div class=\"pcl-clause-body\">PCL n'est tenue d'aucun d\u00e9lai pr\u00e9cis d'approbation ; les d\u00e9lais varient selon le produit, la compl\u00e9tude du dossier et la complexit\u00e9 de l'\u00e9valuation.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.3<\/div><div class=\"pcl-clause-body\">Une demande peut \u00eatre annul\u00e9e par le Client avant d\u00e9caissement, en informant son agence PCL. Des frais de dossier d\u00e9j\u00e0 engag\u00e9s peuvent ne pas \u00eatre remboursables.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.4<\/div><div class=\"pcl-clause-body\">En cas de conflit entre une communication verbale et l'Offre de Pr\u00eat \u00e9crite, cette derni\u00e8re pr\u00e9vaut.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">06<\/div><h2 class=\"pcl-section-title\">Droit de R\u00e9tention et Compensation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.1<\/div><div class=\"pcl-clause-body\">PCL dispose d'un droit de r\u00e9tention sur toute garantie ou tout bien remis par le Client en couverture du pr\u00eat, tant que la dette n'est pas int\u00e9gralement rembours\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.2<\/div><div class=\"pcl-clause-body\">En cas de d\u00e9faut de paiement non r\u00e9gularis\u00e9 dans un d\u00e9lai de <strong>trente (30) jours<\/strong> apr\u00e8s mise en demeure \u00e9crite, PCL peut exercer tout recours pr\u00e9vu par l'Offre de Pr\u00eat et par la loi, y compris la r\u00e9alisation de la garantie ou une action en justice.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.3<\/div><div class=\"pcl-clause-body\">PCL peut compenser toute somme due par le Client avec tout montant que PCL lui doit, dans la mesure permise par la loi.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">07<\/div><h2 class=\"pcl-section-title\">Relev\u00e9s de Compte<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.1<\/div><div class=\"pcl-clause-body\">Vous pouvez demander \u00e0 tout moment un relev\u00e9 de votre compte de pr\u00eat aupr\u00e8s de votre agence PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.2<\/div><div class=\"pcl-clause-body\">PCL vous informera des \u00e9ch\u00e9ances, paiements re\u00e7us et de tout retard par SMS, appel t\u00e9l\u00e9phonique ou courrier, aux coordonn\u00e9es que vous avez fournies.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.3<\/div><div class=\"pcl-clause-body\">Vous devez informer PCL sans d\u00e9lai de tout changement de vos coordonn\u00e9es (t\u00e9l\u00e9phone, adresse, email).<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">08<\/div><h2 class=\"pcl-section-title\">Int\u00e9r\u00eats, Frais et P\u00e9nalit\u00e9s<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.1<\/div><div class=\"pcl-clause-body\">Le taux d'int\u00e9r\u00eat, les frais de dossier (LACE) et la p\u00e9nalit\u00e9 de retard applicables \u00e0 votre pr\u00eat sont communiqu\u00e9s avant signature et pr\u00e9cis\u00e9s dans votre Offre de Pr\u00eat. Ils ne peuvent \u00eatre modifi\u00e9s unilat\u00e9ralement apr\u00e8s d\u00e9caissement.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.2<\/div><div class=\"pcl-clause-body\">Les taux d'int\u00e9r\u00eat applicables aux nouvelles demandes peuvent \u00eatre ajust\u00e9s p\u00e9riodiquement par PCL ; un tel ajustement ne s'applique jamais r\u00e9troactivement \u00e0 un pr\u00eat d\u00e9j\u00e0 d\u00e9caiss\u00e9.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.3<\/div><div class=\"pcl-clause-body\"><strong>Frais Juridiques :<\/strong> Les frais et d\u00e9pens engag\u00e9s dans toute proc\u00e9dure judiciaire li\u00e9e au recouvrement d'un pr\u00eat impay\u00e9 sont \u00e0 la charge du Client d\u00e9faillant, conform\u00e9ment \u00e0 la loi congolaise et au bar\u00e8me en vigueur.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.4<\/div><div class=\"pcl-clause-body\"><strong>Autres Frais :<\/strong> PCL peut facturer des frais de gestion de dossier, des frais de tiers (notaire, expertise de garantie) et des frais de recouvrement, communiqu\u00e9s au Client avant leur application.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.5<\/div><div class=\"pcl-clause-body\">PCL donnera un pr\u00e9avis d'au moins <strong>trente (30) jours<\/strong> pour toute introduction de nouveaux frais applicables aux futurs pr\u00eats, par SMS, email ou affichage en agence.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">09<\/div><h2 class=\"pcl-section-title\">R\u00e9clamations Client<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">9.1<\/div><div class=\"pcl-clause-body\">Toute r\u00e9clamation peut \u00eatre adress\u00e9e en personne dans votre agence, par t\u00e9l\u00e9phone, par email \u00e0 <strong>info@progressivecr.com<\/strong>, ou via notre <a href=\"https:\/\/drc.progressivecr.com\/en\/reclamations\/\">page R\u00e9clamations<\/a>.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">9.2<\/div><div class=\"pcl-clause-body\">PCL s'engage \u00e0 accuser r\u00e9ception de toute r\u00e9clamation et \u00e0 la traiter dans un d\u00e9lai raisonnable, conform\u00e9ment \u00e0 sa proc\u00e9dure interne de gestion des r\u00e9clamations.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">10<\/div><h2 class=\"pcl-section-title\">Comptes et Dossiers Inactifs<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-highlight\">Un dossier de pr\u00eat int\u00e9gralement sold\u00e9 et sans activit\u00e9 pendant <strong>douze (12) mois<\/strong> cons\u00e9cutifs sera archiv\u00e9 par PCL. Ceci n'affecte pas les droits du Client \u00e0 solliciter un nouveau pr\u00eat.<\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">11<\/div><h2 class=\"pcl-section-title\">Consentement et Protection des Donn\u00e9es<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.1 \u2014 Base L\u00e9gale<\/div>\n <div class=\"pcl-clause-body\">En acceptant les pr\u00e9sentes Conditions, vous reconnaissez que PCL peut collecter, conserver, utiliser et traiter vos donn\u00e9es personnelles sur les bases l\u00e9gales suivantes :\n <div class=\"pcl-items\">\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">i.<\/span>L'ex\u00e9cution du contrat de pr\u00eat (octroi, gestion, recouvrement)<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">ii.<\/span>Le respect d'une obligation l\u00e9gale ou r\u00e9glementaire applicable en R\u00e9publique D\u00e9mocratique du Congo<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">iii.<\/span>Les int\u00e9r\u00eats l\u00e9gitimes de PCL, dans la mesure o\u00f9 ils ne pr\u00e9valent pas sur vos droits<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">iv.<\/span>Votre consentement explicite, notamment \u00e0 des fins de communication marketing<\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.2 \u2014 Finalit\u00e9s du Traitement<\/div>\n <div class=\"pcl-clause-body\">PCL peut traiter vos donn\u00e9es personnelles pour :\n <div class=\"pcl-items\">\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">a)<\/span>\u00c9valuer, d\u00e9caisser, g\u00e9rer et recouvrer votre pr\u00eat<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">b)<\/span>La pr\u00e9vention de la fraude et la conformit\u00e9 r\u00e9glementaire<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">c)<\/span>Communiquer avec vous (\u00e9ch\u00e9ances, relev\u00e9s, avis)<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">d)<\/span>Am\u00e9liorer nos produits et services<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">e)<\/span>Respecter nos obligations l\u00e9gales, fiscales et r\u00e9glementaires<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div style=\"margin-top:20px; margin-bottom:8px; font-size:11px; font-weight:700; letter-spacing:2px; text-transform:uppercase; color:var(--green-dark);\">11.3 \u2014 Vos Droits sur Vos Donn\u00e9es Personnelles<\/div>\n <div class=\"pcl-rights-grid\">\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">\u00catre Inform\u00e9<\/div><p>Savoir comment vos donn\u00e9es seront utilis\u00e9es et avec qui elles seront partag\u00e9es.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Acc\u00e8s<\/div><p>Acc\u00e9der aux donn\u00e9es personnelles que PCL d\u00e9tient \u00e0 votre sujet.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Rectification<\/div><p>Demander la correction de donn\u00e9es inexactes ou incompl\u00e8tes.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Effacement<\/div><p>Demander la suppression de donn\u00e9es non l\u00e9galement requises pour \u00eatre conserv\u00e9es.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Opposition<\/div><p>S'opposer au traitement fond\u00e9 sur l'int\u00e9r\u00eat l\u00e9gitime ou le marketing.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Retrait du Consentement<\/div><p>Retirer votre consentement \u00e0 tout moment pour tout traitement qui en d\u00e9pend.<\/p><\/div>\n <\/div>\n\n <div class=\"pcl-clauses\" style=\"margin-top:20px;\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.4 \u2014 Conservation & S\u00e9curit\u00e9<\/div>\n <div class=\"pcl-clause-body\">PCL ne conserve vos donn\u00e9es personnelles que le temps n\u00e9cessaire ou requis par la loi, et met en \u0153uvre des mesures de s\u00e9curit\u00e9 techniques et organisationnelles appropri\u00e9es pour les prot\u00e9ger.<\/div>\n <\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.5 \u2014 Contact<\/div>\n <div class=\"pcl-clause-body\">\n <div class=\"pcl-contact-strip\">\n <span class=\"pcl-contact-strip-icon\">\ud83d\udcde<\/span>\n <p>Pour toute question relative au traitement de vos donn\u00e9es personnelles, contactez notre Service Client au <strong>+243 863 364 674<\/strong>.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">12<\/div><h2 class=\"pcl-section-title\">Divulgation d'Informations<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">12.1<\/div>\n <div class=\"pcl-clause-body\">Vous autorisez PCL \u00e0 divulguer vos informations personnelles, dans la mesure n\u00e9cessaire, \u00e0 :\n <div class=\"pcl-sub-clauses\" style=\"margin-top:8px;\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.1<\/span><span class=\"pcl-sub-body\">Ses prestataires de services, agents et filiales, \u00e0 des fins commerciales raisonnables<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.2<\/span><span class=\"pcl-sub-body\">Ses avocats, auditeurs ou conseillers professionnels dans le cadre d'une proc\u00e9dure l\u00e9gale ou d'un audit<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.3<\/span><span class=\"pcl-sub-body\">L'employeur ou l'institution partenaire du Client, dans le cadre d'un accord de check-off ou de garantie salariale<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">12.2<\/div><div class=\"pcl-clause-body\">PCL peut divulguer les informations relatives \u00e0 votre compte \u00e0 toute autorit\u00e9 judiciaire, r\u00e9glementaire ou gouvernementale comp\u00e9tente, afin de se conformer \u00e0 la loi ou de pr\u00e9venir une fraude.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">13<\/div><h2 class=\"pcl-section-title\">Vos Responsabilit\u00e9s<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.1<\/div><div class=\"pcl-clause-body\">Vous vous engagez \u00e0 fournir des informations exactes et \u00e0 jour, et \u00e0 utiliser les fonds d\u00e9caiss\u00e9s conform\u00e9ment \u00e0 l'objet d\u00e9clar\u00e9 du pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.2<\/div><div class=\"pcl-clause-body\">Vous devez rembourser votre pr\u00eat selon l'\u00e9ch\u00e9ancier convenu dans l'Offre de Pr\u00eat et informer PCL sans d\u00e9lai de toute difficult\u00e9 de paiement anticip\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.3<\/div><div class=\"pcl-clause-body\">Vous devez informer imm\u00e9diatement PCL de tout changement significatif de votre situation personnelle, professionnelle ou financi\u00e8re susceptible d'affecter votre capacit\u00e9 de remboursement.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">14<\/div><h2 class=\"pcl-section-title\">Exclusion de Responsabilit\u00e9<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-notice\">PCL ne saurait \u00eatre tenue responsable des pertes caus\u00e9es par un cas de force majeure, une coupure de courant ou de r\u00e9seau, des troubles civils, ou une d\u00e9faillance de tout syst\u00e8me de t\u00e9l\u00e9communications ou bancaire ind\u00e9pendant de sa volont\u00e9.<\/div>\n <div class=\"pcl-clauses\" style=\"margin-top:12px;\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.2<\/div><div class=\"pcl-clause-body\">PCL ne saurait \u00eatre tenue responsable des pertes r\u00e9sultant de votre d\u00e9faut de fournir des informations correctes ou compl\u00e8tes lors de votre demande de pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.3<\/div><div class=\"pcl-clause-body\">En aucun cas PCL ne saurait \u00eatre tenue responsable d'une perte de profit ou de tout dommage indirect, m\u00eame si PCL avait \u00e9t\u00e9 inform\u00e9e de la possibilit\u00e9 d'une telle perte.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.4<\/div><div class=\"pcl-clause-body\">Toutes les garanties implicites non express\u00e9ment pr\u00e9vues par la loi congolaise sont exclues des pr\u00e9sentes, dans la mesure permise par la loi.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">15<\/div><h2 class=\"pcl-section-title\">Propri\u00e9t\u00e9 Intellectuelle<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">15.1<\/div><div class=\"pcl-clause-body\">Tous les droits de propri\u00e9t\u00e9 intellectuelle relatifs au site pcrr.paza.co.ke, \u00e0 sa marque et \u00e0 son contenu appartiennent \u00e0 PCL ou lui sont conc\u00e9d\u00e9s sous licence. Toute reproduction non autoris\u00e9e est interdite.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">16<\/div><h2 class=\"pcl-section-title\">Indemnisation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">16.1<\/div><div class=\"pcl-clause-body\">Vous vous engagez \u00e0 indemniser PCL de toute perte, dommage ou d\u00e9pense que PCL subit du fait de la fourniture d'informations inexactes, d'un usage frauduleux de vos donn\u00e9es, ou du non-respect des pr\u00e9sentes Conditions.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">17<\/div><h2 class=\"pcl-section-title\">Modification et R\u00e9siliation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">17.1<\/div><div class=\"pcl-clause-body\">PCL peut modifier les pr\u00e9sentes Conditions G\u00e9n\u00e9rales moyennant un <strong>pr\u00e9avis de trente (30) jours<\/strong>, publi\u00e9 sur son site web ou affich\u00e9 en agence. Les modifications ne s'appliquent pas r\u00e9troactivement aux pr\u00eats d\u00e9j\u00e0 d\u00e9caiss\u00e9s.<\/div><\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">17.2<\/div>\n <div class=\"pcl-clause-body\">PCL peut r\u00e9silier sa relation avec un Client, exigeant le remboursement imm\u00e9diat de toute dette impay\u00e9e, si :\n <div class=\"pcl-sub-clauses\" style=\"margin-top:8px;\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.1<\/span><span class=\"pcl-sub-body\">Le Client fournit des informations substantiellement inexactes<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.2<\/span><span class=\"pcl-sub-body\">Le Client fait d\u00e9faut de paiement selon l'\u00e9ch\u00e9ancier convenu<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.3<\/span><span class=\"pcl-sub-body\">Une autorit\u00e9 judiciaire ou r\u00e9glementaire l'exige<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">18<\/div><h2 class=\"pcl-section-title\">Avis et Communications<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">18.1<\/div><div class=\"pcl-clause-body\">PCL peut vous contacter par SMS, appel t\u00e9l\u00e9phonique, email ou courrier, aux coordonn\u00e9es que vous avez fournies lors de votre demande de pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">18.2<\/div><div class=\"pcl-clause-body\">Vous reconnaissez n'avoir aucun recours contre PCL pour des dommages r\u00e9sultant d'un retard ou d'une irr\u00e9gularit\u00e9 dans la transmission d'une communication ind\u00e9pendante de la volont\u00e9 de PCL.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">19<\/div><h2 class=\"pcl-section-title\">R\u00e9solution des Litiges et Droit Applicable<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">19.1<\/div><div class=\"pcl-clause-body\">Tout litige doit d'abord \u00eatre soumis \u00e0 notre Service Client ou \u00e0 votre agence PCL en vue d'une r\u00e9solution amiable.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">19.2<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales sont r\u00e9gies et interpr\u00e9t\u00e9es conform\u00e9ment aux <strong>lois de la R\u00e9publique D\u00e9mocratique du Congo<\/strong>. Tout litige non r\u00e9solu \u00e0 l'amiable rel\u00e8ve de la comp\u00e9tence exclusive des juridictions congolaises.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">20<\/div><h2 class=\"pcl-section-title\">Dispositions Diverses<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.1<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales constituent un accord juridiquement contraignant pour vous et vos successeurs ou ayants droit.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.2<\/div><div class=\"pcl-clause-body\">Vos droits et obligations au titre du pr\u00e9sent Accord ne peuvent \u00eatre c\u00e9d\u00e9s \u00e0 un tiers sans l'accord \u00e9crit pr\u00e9alable de PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.3<\/div><div class=\"pcl-clause-body\">Si une disposition des pr\u00e9sentes est jug\u00e9e invalide ou inapplicable par une juridiction comp\u00e9tente, cette invalidit\u00e9 n'affecte pas les autres dispositions, qui demeurent pleinement en vigueur.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">21<\/div><h2 class=\"pcl-section-title\">Dur\u00e9e de l'Accord<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">21.1<\/div><div class=\"pcl-clause-body\">Le pr\u00e9sent Accord reste en vigueur tant que vous d\u00e9tenez un ou plusieurs pr\u00eats aupr\u00e8s de PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">21.2<\/div><div class=\"pcl-clause-body\">Apr\u00e8s le remboursement int\u00e9gral de votre pr\u00eat, vos obligations relatives aux pr\u00e9sentes Conditions cessent, \u00e0 l'exception des clauses relatives \u00e0 la confidentialit\u00e9 de vos donn\u00e9es, qui subsistent conform\u00e9ment \u00e0 la Section 11.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-contact\">\n <h3>Besoin d'Aide ou Une Question ?<\/h3>\n <p>Contactez notre Service Client ou rendez-vous \u00e0 notre agence de Lubumbashi. Nous sommes l\u00e0 pour vous accompagner \u00e0 chaque \u00e9tape.<\/p>\n <div class=\"pcl-contact-btns\">\n <a href=\"tel:+243863364674\" class=\"pcl-btn pcl-btn-orange\">\ud83d\udcde +243 863 364 674<\/a>\n <a href=\"https:\/\/drc.progressivecr.com\/en\/contactez-nous\/\" class=\"pcl-btn pcl-btn-white\">Visitez Notre Site Web<\/a>\n <\/div>\n <\/div>\n\n <div class=\"pcl-footer\">\n <strong>Progressive Credit Limited<\/strong> \u00b7 Ver. 1.0 Sept. 2026 \u00b7 Avec Vous \u00e0 Chaque \u00c9tape \u00b7 pcrr.paza.co.ke\n <br><br>\n Ce document est fourni \u00e0 titre indicatif en attendant sa revue et validation par le conseil juridique de Progressive Credit Limited en R\u00e9publique D\u00e9mocratique du Congo.\n <\/div>\n\n<\/div>\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mobile Loan Terms and Conditions \u2013 Progressive Credit Limited Progressive Credit Limited Mobile LoanTerms & Conditions Version 2.0 January 2026 progressivecr.co.ke Table of Contents 01The Agreement 02Definitions 03Acceptance of Terms 04Loan Account Opening 05Your Requests 06Lien 07Set-off 08Statements & Balances 09Customer Complaints 10Dormant Accounts 11Interest & Charges 12Taxes 13Consent & Data Protection 14Specific Loan Products […]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-4164","page","type-page","status-publish","hentry"],"acf":[],"rankMath":{"parentDomain":"progressivecr.com","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":false,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media 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\n\t\t\t\t

\n\t\t\t\t\t\n\n\n\n\nConditions G\u00e9n\u00e9rales des Pr\u00eats \u2013 Progressive Credit Limited<\/title>\n<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Playfair+Display:wght@400;600;700&family=DM+Sans:ital,wght@0,300;0,400;0,500;0,600;1,400&display=swap\" rel=\"stylesheet\">\n<style>\n :root {\n --green: #18B14A;\n --green-dark: #0f8a38;\n --green-light: #e8f9ee;\n --orange: #FF5919;\n --orange-light: #fff3ee;\n --navy: #0D1F14;\n --cream: #F7FAF8;\n --white: #FFFFFF;\n --text: #1A2E20;\n --muted: #5A7264;\n --border: #D6EAD9;\n --shadow: 0 4px 24px rgba(24,177,74,0.08);\n }\n *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }\n body { font-family: 'Garamond', sans-serif; background: var(--cream); color: var(--text); line-height: 1.75; }\n\n \/* \u2500\u2500 HERO \u2500\u2500 *\/\n .pcl-hero { background: var(--navy); position: relative; overflow: hidden; padding: 68px 40px 60px; text-align: center; }\n .pcl-hero::before { content: ''; position: 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font-size: 22px; color: #fff; margin-bottom: 10px; position: relative; }\n .pcl-contact p { font-size: 14px; color: rgba(255,255,255,0.78); margin-bottom: 22px; position: relative; }\n .pcl-contact-btns { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; position: relative; }\n .pcl-btn { display: inline-flex; align-items: center; gap: 8px; padding: 12px 28px; border-radius: 6px; font-size: 14px; font-weight: 600; text-decoration: none; transition: all 0.2s; font-family: 'DM Sans', sans-serif; border: none; cursor: pointer; }\n .pcl-btn-orange { background: var(--orange); color: #fff; }\n .pcl-btn-orange:hover { background: #e04d14; }\n .pcl-btn-white { background: rgba(255,255,255,0.15); color: #fff; border: 1px solid rgba(255,255,255,0.3); }\n .pcl-btn-white:hover { background: rgba(255,255,255,0.25); }\n\n \/* \u2500\u2500 FOOTER \u2500\u2500 *\/\n .pcl-footer { text-align: center; padding: 24px 0 0; font-size: 12px; color: var(--muted); border-top: 1px solid var(--border); margin-top: 40px; }\n .pcl-footer strong { color: var(--green); }\n<\/style>\n<\/head>\n<body>\n\n\n<div class=\"pcl-hero\">\n <p class=\"pcl-hero-eyebrow\">Progressive Credit Limited<\/p>\n <h1>Conditions G\u00e9n\u00e9rales<br><em>des Pr\u00eats<\/em><\/h1>\n <div class=\"pcl-hero-meta\">\n <span>Version 1.0<\/span><span class=\"dot\"><\/span>\n <span>Septembre 2026<\/span><span class=\"dot\"><\/span>\n <span>pcrr.paza.co.ke<\/span>\n <\/div>\n<\/div>\n\n<div class=\"pcl-wrap\">\n\n \n <div class=\"pcl-toc\">\n <div class=\"pcl-toc-title\">\n <svg width=\"16\" height=\"16\" viewbox=\"0 0 24 24\" fill=\"none\" stroke=\"#18B14A\" stroke-width=\"2.5\"><path d=\"M8 6h13M8 12h13M8 18h13M3 6h.01M3 12h.01M3 18h.01\"\/><\/svg>\n Table des Mati\u00e8res\n <\/div>\n <div class=\"pcl-toc-grid\">\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">01<\/span>Acceptation des Conditions<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">02<\/span>D\u00e9finitions<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">03<\/span>Nos Produits de Pr\u00eat<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">04<\/span>\u00c9ligibilit\u00e9 et Ouverture de Dossier<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">05<\/span>Votre Demande de Pr\u00eat<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">06<\/span>Droit de R\u00e9tention et Compensation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">07<\/span>Relev\u00e9s de Compte<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">08<\/span>Int\u00e9r\u00eats, Frais et P\u00e9nalit\u00e9s<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">09<\/span>R\u00e9clamations Client<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">10<\/span>Comptes et Dossiers Inactifs<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">11<\/span>Consentement & Protection des Donn\u00e9es<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">12<\/span>Divulgation d'Informations<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">13<\/span>Vos Responsabilit\u00e9s<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">14<\/span>Exclusion de Responsabilit\u00e9<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">15<\/span>Propri\u00e9t\u00e9 Intellectuelle<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">16<\/span>Indemnisation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">17<\/span>Modification & R\u00e9siliation<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">18<\/span>Avis et Communications<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">19<\/span>R\u00e9solution des Litiges & Droit Applicable<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">20<\/span>Dispositions Diverses<\/div>\n <div class=\"pcl-toc-item\"><span class=\"pcl-toc-num\">21<\/span>Dur\u00e9e de l'Accord<\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">01<\/div><h2 class=\"pcl-section-title\">Acceptation des Conditions<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.1<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales r\u00e9gissent la relation entre vous (\u00ab le Client \u00bb) et Progressive Credit Limited (\u00ab PCL \u00bb, \u00ab nous \u00bb), soci\u00e9t\u00e9 de cr\u00e9dit op\u00e9rant en R\u00e9publique D\u00e9mocratique du Congo, pour tout produit de pr\u00eat souscrit aupr\u00e8s de nous.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.2<\/div><div class=\"pcl-clause-body\">En soumettant une demande de pr\u00eat, en signant une offre de pr\u00eat, ou en utilisant l'un de nos services, vous reconnaissez avoir lu, compris et accept\u00e9 les pr\u00e9sentes Conditions G\u00e9n\u00e9rales.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">1.3<\/div><div class=\"pcl-clause-body\">Ces Conditions G\u00e9n\u00e9rales et toute modification ult\u00e9rieure prennent effet \u00e0 leur date de publication et restent disponibles sur <a href=\"https:\/\/drc.progressivecr.com\/en\/\">pcrr.paza.co.ke<\/a> et dans nos agences.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">02<\/div><h2 class=\"pcl-section-title\">D\u00e9finitions<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">2.1<\/div><div class=\"pcl-clause-body\">Dans les pr\u00e9sentes Conditions G\u00e9n\u00e9rales, les termes suivants ont la signification ci-dessous :<\/div><\/div>\n <div class=\"pcl-sub-clauses\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.1<\/span><span class=\"pcl-sub-body\"><strong>\u00ab PCL \u00bb<\/strong> d\u00e9signe Progressive Credit Limited, y compris ses agences, filiales, successeurs et ayants droit en R\u00e9publique D\u00e9mocratique du Congo.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.2<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Client \u00bb ou \u00ab Emprunteur \u00bb<\/strong> d\u00e9signe toute personne physique ou morale au nom de laquelle un pr\u00eat PCL est accord\u00e9.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.3<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Offre de Pr\u00eat \u00bb<\/strong> d\u00e9signe le document remis au Client pr\u00e9cisant le montant, la dur\u00e9e, le taux d'int\u00e9r\u00eat, les frais et les modalit\u00e9s de remboursement du pr\u00eat accord\u00e9.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.4<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Garantie \u00bb<\/strong> d\u00e9signe tout bien, document ou engagement remis par le Client \u00e0 PCL pour s\u00e9curiser le remboursement du pr\u00eat (carte rose, titre foncier, accord de check-off, ou autre selon le produit).<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.5<\/span><span class=\"pcl-sub-body\"><strong>\u00ab LACE \u00bb<\/strong> d\u00e9signe les frais de dossier (Loan Application and Commitment Expense) factur\u00e9s \u00e0 l'ouverture d'un pr\u00eat.<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">2.1.6<\/span><span class=\"pcl-sub-body\"><strong>\u00ab Vous \u00bb, \u00ab votre \u00bb<\/strong> d\u00e9signe le Client, y compris ses repr\u00e9sentants l\u00e9gaux ou mandataires d\u00fbment autoris\u00e9s.<\/span><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">03<\/div><h2 class=\"pcl-section-title\">Nos Produits de Pr\u00eat<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.1<\/div><div class=\"pcl-clause-body\">PCL propose plusieurs produits de cr\u00e9dit destin\u00e9s aux particuliers, aux fonctionnaires et employ\u00e9s d'institutions partenaires, aux PME et aux entreprises en R\u00e9publique D\u00e9mocratique du Congo, notamment le Fonds de Roulement PME, le Pr\u00eat Motoadvance, le Pr\u00eat sur Salaire (Institutions Priv\u00e9es), le Pr\u00eat Diaspora PME, le Pr\u00eat aux Entreprises Mini\u00e8res, le Financement de V\u00e9hicule \u00e0 Moteur, le Fonds de Roulement Micro-Entreprise et le Pr\u00eat Relais Scolaire.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.2<\/div><div class=\"pcl-clause-body\">Chaque produit dispose de conditions sp\u00e9cifiques (montant, dur\u00e9e, garantie exig\u00e9e, crit\u00e8res d'\u00e9ligibilit\u00e9) d\u00e9taill\u00e9es sur sa page d\u00e9di\u00e9e sur <a href=\"https:\/\/drc.progressivecr.com\/en\/nos-produits\/\">pcrr.paza.co.ke\/nos-produits<\/a> et confirm\u00e9es dans l'Offre de Pr\u00eat remise au Client. En cas de divergence, l'Offre de Pr\u00eat sign\u00e9e pr\u00e9vaut sur toute description publi\u00e9e sur le site.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">3.3<\/div><div class=\"pcl-clause-body\">PCL se r\u00e9serve le droit d'introduire, de modifier ou de retirer un produit de pr\u00eat \u00e0 tout moment, sans que cela n'affecte les pr\u00eats d\u00e9j\u00e0 d\u00e9caiss\u00e9s.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">04<\/div><h2 class=\"pcl-section-title\">\u00c9ligibilit\u00e9 et Ouverture de Dossier<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.1<\/div><div class=\"pcl-clause-body\">Pour solliciter un pr\u00eat PCL, vous devez \u00eatre \u00e2g\u00e9 d'au moins 18 ans, disposer d'une pi\u00e8ce d'identit\u00e9 valide, et remplir les crit\u00e8res d'\u00e9ligibilit\u00e9 propres au produit demand\u00e9.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.2<\/div><div class=\"pcl-clause-body\">Vous devez fournir tous les documents requis pour l'\u00e9valuation de votre dossier, notamment une pi\u00e8ce d'identit\u00e9, un justificatif de domicile ou d'activit\u00e9, des relev\u00e9s bancaires ou preuves de revenus, et les documents relatifs \u00e0 la garantie propos\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.3<\/div><div class=\"pcl-clause-body\">PCL se r\u00e9serve le droit de v\u00e9rifier l'exactitude des informations fournies, de solliciter des documents compl\u00e9mentaires, et de refuser toute demande \u00e0 sa seule discr\u00e9tion, sans obligation de justifier sa d\u00e9cision.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">4.4<\/div><div class=\"pcl-clause-body\">Toute fausse d\u00e9claration ou omission substantielle constitue un motif de rejet de la demande ou de r\u00e9siliation imm\u00e9diate du pr\u00eat d\u00e9j\u00e0 accord\u00e9.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">05<\/div><h2 class=\"pcl-section-title\">Votre Demande de Pr\u00eat<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.1<\/div><div class=\"pcl-clause-body\">Toute demande soumise via notre site, en agence ou par tout autre canal officiel de PCL est trait\u00e9e selon nos proc\u00e9dures internes d'\u00e9valuation et de comit\u00e9 de cr\u00e9dit.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.2<\/div><div class=\"pcl-clause-body\">PCL n'est tenue d'aucun d\u00e9lai pr\u00e9cis d'approbation ; les d\u00e9lais varient selon le produit, la compl\u00e9tude du dossier et la complexit\u00e9 de l'\u00e9valuation.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.3<\/div><div class=\"pcl-clause-body\">Une demande peut \u00eatre annul\u00e9e par le Client avant d\u00e9caissement, en informant son agence PCL. Des frais de dossier d\u00e9j\u00e0 engag\u00e9s peuvent ne pas \u00eatre remboursables.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">5.4<\/div><div class=\"pcl-clause-body\">En cas de conflit entre une communication verbale et l'Offre de Pr\u00eat \u00e9crite, cette derni\u00e8re pr\u00e9vaut.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">06<\/div><h2 class=\"pcl-section-title\">Droit de R\u00e9tention et Compensation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.1<\/div><div class=\"pcl-clause-body\">PCL dispose d'un droit de r\u00e9tention sur toute garantie ou tout bien remis par le Client en couverture du pr\u00eat, tant que la dette n'est pas int\u00e9gralement rembours\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.2<\/div><div class=\"pcl-clause-body\">En cas de d\u00e9faut de paiement non r\u00e9gularis\u00e9 dans un d\u00e9lai de <strong>trente (30) jours<\/strong> apr\u00e8s mise en demeure \u00e9crite, PCL peut exercer tout recours pr\u00e9vu par l'Offre de Pr\u00eat et par la loi, y compris la r\u00e9alisation de la garantie ou une action en justice.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">6.3<\/div><div class=\"pcl-clause-body\">PCL peut compenser toute somme due par le Client avec tout montant que PCL lui doit, dans la mesure permise par la loi.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">07<\/div><h2 class=\"pcl-section-title\">Relev\u00e9s de Compte<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.1<\/div><div class=\"pcl-clause-body\">Vous pouvez demander \u00e0 tout moment un relev\u00e9 de votre compte de pr\u00eat aupr\u00e8s de votre agence PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.2<\/div><div class=\"pcl-clause-body\">PCL vous informera des \u00e9ch\u00e9ances, paiements re\u00e7us et de tout retard par SMS, appel t\u00e9l\u00e9phonique ou courrier, aux coordonn\u00e9es que vous avez fournies.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">7.3<\/div><div class=\"pcl-clause-body\">Vous devez informer PCL sans d\u00e9lai de tout changement de vos coordonn\u00e9es (t\u00e9l\u00e9phone, adresse, email).<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">08<\/div><h2 class=\"pcl-section-title\">Int\u00e9r\u00eats, Frais et P\u00e9nalit\u00e9s<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.1<\/div><div class=\"pcl-clause-body\">Le taux d'int\u00e9r\u00eat, les frais de dossier (LACE) et la p\u00e9nalit\u00e9 de retard applicables \u00e0 votre pr\u00eat sont communiqu\u00e9s avant signature et pr\u00e9cis\u00e9s dans votre Offre de Pr\u00eat. Ils ne peuvent \u00eatre modifi\u00e9s unilat\u00e9ralement apr\u00e8s d\u00e9caissement.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.2<\/div><div class=\"pcl-clause-body\">Les taux d'int\u00e9r\u00eat applicables aux nouvelles demandes peuvent \u00eatre ajust\u00e9s p\u00e9riodiquement par PCL ; un tel ajustement ne s'applique jamais r\u00e9troactivement \u00e0 un pr\u00eat d\u00e9j\u00e0 d\u00e9caiss\u00e9.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.3<\/div><div class=\"pcl-clause-body\"><strong>Frais Juridiques :<\/strong> Les frais et d\u00e9pens engag\u00e9s dans toute proc\u00e9dure judiciaire li\u00e9e au recouvrement d'un pr\u00eat impay\u00e9 sont \u00e0 la charge du Client d\u00e9faillant, conform\u00e9ment \u00e0 la loi congolaise et au bar\u00e8me en vigueur.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.4<\/div><div class=\"pcl-clause-body\"><strong>Autres Frais :<\/strong> PCL peut facturer des frais de gestion de dossier, des frais de tiers (notaire, expertise de garantie) et des frais de recouvrement, communiqu\u00e9s au Client avant leur application.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">8.5<\/div><div class=\"pcl-clause-body\">PCL donnera un pr\u00e9avis d'au moins <strong>trente (30) jours<\/strong> pour toute introduction de nouveaux frais applicables aux futurs pr\u00eats, par SMS, email ou affichage en agence.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">09<\/div><h2 class=\"pcl-section-title\">R\u00e9clamations Client<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">9.1<\/div><div class=\"pcl-clause-body\">Toute r\u00e9clamation peut \u00eatre adress\u00e9e en personne dans votre agence, par t\u00e9l\u00e9phone, par email \u00e0 <strong>info@progressivecr.com<\/strong>, ou via notre <a href=\"https:\/\/drc.progressivecr.com\/en\/reclamations\/\">page R\u00e9clamations<\/a>.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">9.2<\/div><div class=\"pcl-clause-body\">PCL s'engage \u00e0 accuser r\u00e9ception de toute r\u00e9clamation et \u00e0 la traiter dans un d\u00e9lai raisonnable, conform\u00e9ment \u00e0 sa proc\u00e9dure interne de gestion des r\u00e9clamations.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">10<\/div><h2 class=\"pcl-section-title\">Comptes et Dossiers Inactifs<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-highlight\">Un dossier de pr\u00eat int\u00e9gralement sold\u00e9 et sans activit\u00e9 pendant <strong>douze (12) mois<\/strong> cons\u00e9cutifs sera archiv\u00e9 par PCL. Ceci n'affecte pas les droits du Client \u00e0 solliciter un nouveau pr\u00eat.<\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">11<\/div><h2 class=\"pcl-section-title\">Consentement et Protection des Donn\u00e9es<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.1 \u2014 Base L\u00e9gale<\/div>\n <div class=\"pcl-clause-body\">En acceptant les pr\u00e9sentes Conditions, vous reconnaissez que PCL peut collecter, conserver, utiliser et traiter vos donn\u00e9es personnelles sur les bases l\u00e9gales suivantes :\n <div class=\"pcl-items\">\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">i.<\/span>L'ex\u00e9cution du contrat de pr\u00eat (octroi, gestion, recouvrement)<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">ii.<\/span>Le respect d'une obligation l\u00e9gale ou r\u00e9glementaire applicable en R\u00e9publique D\u00e9mocratique du Congo<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">iii.<\/span>Les int\u00e9r\u00eats l\u00e9gitimes de PCL, dans la mesure o\u00f9 ils ne pr\u00e9valent pas sur vos droits<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">iv.<\/span>Votre consentement explicite, notamment \u00e0 des fins de communication marketing<\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.2 \u2014 Finalit\u00e9s du Traitement<\/div>\n <div class=\"pcl-clause-body\">PCL peut traiter vos donn\u00e9es personnelles pour :\n <div class=\"pcl-items\">\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">a)<\/span>\u00c9valuer, d\u00e9caisser, g\u00e9rer et recouvrer votre pr\u00eat<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">b)<\/span>La pr\u00e9vention de la fraude et la conformit\u00e9 r\u00e9glementaire<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">c)<\/span>Communiquer avec vous (\u00e9ch\u00e9ances, relev\u00e9s, avis)<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">d)<\/span>Am\u00e9liorer nos produits et services<\/div>\n <div class=\"pcl-item\"><span class=\"pcl-item-id\">e)<\/span>Respecter nos obligations l\u00e9gales, fiscales et r\u00e9glementaires<\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n <div style=\"margin-top:20px; margin-bottom:8px; font-size:11px; font-weight:700; letter-spacing:2px; text-transform:uppercase; color:var(--green-dark);\">11.3 \u2014 Vos Droits sur Vos Donn\u00e9es Personnelles<\/div>\n <div class=\"pcl-rights-grid\">\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">\u00catre Inform\u00e9<\/div><p>Savoir comment vos donn\u00e9es seront utilis\u00e9es et avec qui elles seront partag\u00e9es.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Acc\u00e8s<\/div><p>Acc\u00e9der aux donn\u00e9es personnelles que PCL d\u00e9tient \u00e0 votre sujet.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Rectification<\/div><p>Demander la correction de donn\u00e9es inexactes ou incompl\u00e8tes.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Effacement<\/div><p>Demander la suppression de donn\u00e9es non l\u00e9galement requises pour \u00eatre conserv\u00e9es.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Opposition<\/div><p>S'opposer au traitement fond\u00e9 sur l'int\u00e9r\u00eat l\u00e9gitime ou le marketing.<\/p><\/div>\n <div class=\"pcl-right-card\"><div class=\"pcl-right-card-label\">Retrait du Consentement<\/div><p>Retirer votre consentement \u00e0 tout moment pour tout traitement qui en d\u00e9pend.<\/p><\/div>\n <\/div>\n\n <div class=\"pcl-clauses\" style=\"margin-top:20px;\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.4 \u2014 Conservation & S\u00e9curit\u00e9<\/div>\n <div class=\"pcl-clause-body\">PCL ne conserve vos donn\u00e9es personnelles que le temps n\u00e9cessaire ou requis par la loi, et met en \u0153uvre des mesures de s\u00e9curit\u00e9 techniques et organisationnelles appropri\u00e9es pour les prot\u00e9ger.<\/div>\n <\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">11.5 \u2014 Contact<\/div>\n <div class=\"pcl-clause-body\">\n <div class=\"pcl-contact-strip\">\n <span class=\"pcl-contact-strip-icon\">\ud83d\udcde<\/span>\n <p>Pour toute question relative au traitement de vos donn\u00e9es personnelles, contactez notre Service Client au <strong>+243 863 364 674<\/strong>.<\/p>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">12<\/div><h2 class=\"pcl-section-title\">Divulgation d'Informations<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">12.1<\/div>\n <div class=\"pcl-clause-body\">Vous autorisez PCL \u00e0 divulguer vos informations personnelles, dans la mesure n\u00e9cessaire, \u00e0 :\n <div class=\"pcl-sub-clauses\" style=\"margin-top:8px;\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.1<\/span><span class=\"pcl-sub-body\">Ses prestataires de services, agents et filiales, \u00e0 des fins commerciales raisonnables<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.2<\/span><span class=\"pcl-sub-body\">Ses avocats, auditeurs ou conseillers professionnels dans le cadre d'une proc\u00e9dure l\u00e9gale ou d'un audit<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">12.1.3<\/span><span class=\"pcl-sub-body\">L'employeur ou l'institution partenaire du Client, dans le cadre d'un accord de check-off ou de garantie salariale<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">12.2<\/div><div class=\"pcl-clause-body\">PCL peut divulguer les informations relatives \u00e0 votre compte \u00e0 toute autorit\u00e9 judiciaire, r\u00e9glementaire ou gouvernementale comp\u00e9tente, afin de se conformer \u00e0 la loi ou de pr\u00e9venir une fraude.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">13<\/div><h2 class=\"pcl-section-title\">Vos Responsabilit\u00e9s<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.1<\/div><div class=\"pcl-clause-body\">Vous vous engagez \u00e0 fournir des informations exactes et \u00e0 jour, et \u00e0 utiliser les fonds d\u00e9caiss\u00e9s conform\u00e9ment \u00e0 l'objet d\u00e9clar\u00e9 du pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.2<\/div><div class=\"pcl-clause-body\">Vous devez rembourser votre pr\u00eat selon l'\u00e9ch\u00e9ancier convenu dans l'Offre de Pr\u00eat et informer PCL sans d\u00e9lai de toute difficult\u00e9 de paiement anticip\u00e9e.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">13.3<\/div><div class=\"pcl-clause-body\">Vous devez informer imm\u00e9diatement PCL de tout changement significatif de votre situation personnelle, professionnelle ou financi\u00e8re susceptible d'affecter votre capacit\u00e9 de remboursement.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">14<\/div><h2 class=\"pcl-section-title\">Exclusion de Responsabilit\u00e9<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-notice\">PCL ne saurait \u00eatre tenue responsable des pertes caus\u00e9es par un cas de force majeure, une coupure de courant ou de r\u00e9seau, des troubles civils, ou une d\u00e9faillance de tout syst\u00e8me de t\u00e9l\u00e9communications ou bancaire ind\u00e9pendant de sa volont\u00e9.<\/div>\n <div class=\"pcl-clauses\" style=\"margin-top:12px;\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.2<\/div><div class=\"pcl-clause-body\">PCL ne saurait \u00eatre tenue responsable des pertes r\u00e9sultant de votre d\u00e9faut de fournir des informations correctes ou compl\u00e8tes lors de votre demande de pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.3<\/div><div class=\"pcl-clause-body\">En aucun cas PCL ne saurait \u00eatre tenue responsable d'une perte de profit ou de tout dommage indirect, m\u00eame si PCL avait \u00e9t\u00e9 inform\u00e9e de la possibilit\u00e9 d'une telle perte.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">14.4<\/div><div class=\"pcl-clause-body\">Toutes les garanties implicites non express\u00e9ment pr\u00e9vues par la loi congolaise sont exclues des pr\u00e9sentes, dans la mesure permise par la loi.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">15<\/div><h2 class=\"pcl-section-title\">Propri\u00e9t\u00e9 Intellectuelle<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">15.1<\/div><div class=\"pcl-clause-body\">Tous les droits de propri\u00e9t\u00e9 intellectuelle relatifs au site pcrr.paza.co.ke, \u00e0 sa marque et \u00e0 son contenu appartiennent \u00e0 PCL ou lui sont conc\u00e9d\u00e9s sous licence. Toute reproduction non autoris\u00e9e est interdite.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">16<\/div><h2 class=\"pcl-section-title\">Indemnisation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">16.1<\/div><div class=\"pcl-clause-body\">Vous vous engagez \u00e0 indemniser PCL de toute perte, dommage ou d\u00e9pense que PCL subit du fait de la fourniture d'informations inexactes, d'un usage frauduleux de vos donn\u00e9es, ou du non-respect des pr\u00e9sentes Conditions.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">17<\/div><h2 class=\"pcl-section-title\">Modification et R\u00e9siliation<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">17.1<\/div><div class=\"pcl-clause-body\">PCL peut modifier les pr\u00e9sentes Conditions G\u00e9n\u00e9rales moyennant un <strong>pr\u00e9avis de trente (30) jours<\/strong>, publi\u00e9 sur son site web ou affich\u00e9 en agence. Les modifications ne s'appliquent pas r\u00e9troactivement aux pr\u00eats d\u00e9j\u00e0 d\u00e9caiss\u00e9s.<\/div><\/div>\n <div class=\"pcl-clause\">\n <div class=\"pcl-clause-id\">17.2<\/div>\n <div class=\"pcl-clause-body\">PCL peut r\u00e9silier sa relation avec un Client, exigeant le remboursement imm\u00e9diat de toute dette impay\u00e9e, si :\n <div class=\"pcl-sub-clauses\" style=\"margin-top:8px;\">\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.1<\/span><span class=\"pcl-sub-body\">Le Client fournit des informations substantiellement inexactes<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.2<\/span><span class=\"pcl-sub-body\">Le Client fait d\u00e9faut de paiement selon l'\u00e9ch\u00e9ancier convenu<\/span><\/div>\n <div class=\"pcl-sub-clause\"><span class=\"pcl-sub-id\">17.2.3<\/span><span class=\"pcl-sub-body\">Une autorit\u00e9 judiciaire ou r\u00e9glementaire l'exige<\/span><\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">18<\/div><h2 class=\"pcl-section-title\">Avis et Communications<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">18.1<\/div><div class=\"pcl-clause-body\">PCL peut vous contacter par SMS, appel t\u00e9l\u00e9phonique, email ou courrier, aux coordonn\u00e9es que vous avez fournies lors de votre demande de pr\u00eat.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">18.2<\/div><div class=\"pcl-clause-body\">Vous reconnaissez n'avoir aucun recours contre PCL pour des dommages r\u00e9sultant d'un retard ou d'une irr\u00e9gularit\u00e9 dans la transmission d'une communication ind\u00e9pendante de la volont\u00e9 de PCL.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">19<\/div><h2 class=\"pcl-section-title\">R\u00e9solution des Litiges et Droit Applicable<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">19.1<\/div><div class=\"pcl-clause-body\">Tout litige doit d'abord \u00eatre soumis \u00e0 notre Service Client ou \u00e0 votre agence PCL en vue d'une r\u00e9solution amiable.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">19.2<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales sont r\u00e9gies et interpr\u00e9t\u00e9es conform\u00e9ment aux <strong>lois de la R\u00e9publique D\u00e9mocratique du Congo<\/strong>. Tout litige non r\u00e9solu \u00e0 l'amiable rel\u00e8ve de la comp\u00e9tence exclusive des juridictions congolaises.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">20<\/div><h2 class=\"pcl-section-title\">Dispositions Diverses<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.1<\/div><div class=\"pcl-clause-body\">Les pr\u00e9sentes Conditions G\u00e9n\u00e9rales constituent un accord juridiquement contraignant pour vous et vos successeurs ou ayants droit.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.2<\/div><div class=\"pcl-clause-body\">Vos droits et obligations au titre du pr\u00e9sent Accord ne peuvent \u00eatre c\u00e9d\u00e9s \u00e0 un tiers sans l'accord \u00e9crit pr\u00e9alable de PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">20.3<\/div><div class=\"pcl-clause-body\">Si une disposition des pr\u00e9sentes est jug\u00e9e invalide ou inapplicable par une juridiction comp\u00e9tente, cette invalidit\u00e9 n'affecte pas les autres dispositions, qui demeurent pleinement en vigueur.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-section\">\n <div class=\"pcl-section-header\"><div class=\"pcl-section-num\">21<\/div><h2 class=\"pcl-section-title\">Dur\u00e9e de l'Accord<\/h2><\/div>\n <div class=\"pcl-divider\"><\/div>\n <div class=\"pcl-clauses\">\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">21.1<\/div><div class=\"pcl-clause-body\">Le pr\u00e9sent Accord reste en vigueur tant que vous d\u00e9tenez un ou plusieurs pr\u00eats aupr\u00e8s de PCL.<\/div><\/div>\n <div class=\"pcl-clause\"><div class=\"pcl-clause-id\">21.2<\/div><div class=\"pcl-clause-body\">Apr\u00e8s le remboursement int\u00e9gral de votre pr\u00eat, vos obligations relatives aux pr\u00e9sentes Conditions cessent, \u00e0 l'exception des clauses relatives \u00e0 la confidentialit\u00e9 de vos donn\u00e9es, qui subsistent conform\u00e9ment \u00e0 la Section 11.<\/div><\/div>\n <\/div>\n <\/div>\n\n \n <div class=\"pcl-contact\">\n <h3>Besoin d'Aide ou Une Question ?<\/h3>\n <p>Contactez notre Service Client ou rendez-vous \u00e0 notre agence de Lubumbashi. Nous sommes l\u00e0 pour vous accompagner \u00e0 chaque \u00e9tape.<\/p>\n <div class=\"pcl-contact-btns\">\n <a href=\"tel:+243863364674\" class=\"pcl-btn pcl-btn-orange\">\ud83d\udcde +243 863 364 674<\/a>\n <a href=\"https:\/\/drc.progressivecr.com\/en\/contactez-nous\/\" class=\"pcl-btn pcl-btn-white\">Visitez Notre Site Web<\/a>\n <\/div>\n <\/div>\n\n <div class=\"pcl-footer\">\n <strong>Progressive Credit Limited<\/strong> \u00b7 Ver. 1.0 Sept. 2026 \u00b7 Avec Vous \u00e0 Chaque \u00c9tape \u00b7 pcrr.paza.co.ke\n <br><br>\n Ce document est fourni \u00e0 titre indicatif en attendant sa revue et validation par le conseil juridique de Progressive Credit Limited en R\u00e9publique D\u00e9mocratique du Congo.\n <\/div>\n\n<\/div>\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Mobile Loan Terms and Conditions \u2013 Progressive Credit Limited Progressive Credit Limited Mobile LoanTerms & Conditions Version 2.0 January 2026 progressivecr.co.ke Table of Contents 01The Agreement 02Definitions 03Acceptance of Terms 04Loan Account Opening 05Your Requests 06Lien 07Set-off 08Statements & Balances 09Customer Complaints 10Dormant Accounts 11Interest & Charges 12Taxes 13Consent & Data Protection 14Specific Loan Products […]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"class_list":["post-4164","page","type-page","status-publish","hentry"],"acf":[],"rankMath":{"parentDomain":"progressivecr.com","noFollowDomains":[],"noFollowExcludeDomains":[],"noFollowExternalLinks":false,"featuredImageNotice":"The featured image should be at least 200 by 200 pixels to be picked up by Facebook and other social media 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