Terms & Conditions

These Terms & Conditions govern your access to and use of our financing platform and services. By creating an account, submitting an application, or using any part of our services, you agree to be legally bound by the terms outlined below.

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1. User Responsibilities

• Provide accurate, complete, and up-to-date personal and financial information
• Maintain the confidentiality and security of your login credentials
• Immediately report any unauthorized access or suspicious activity
• Use the platform strictly for lawful and legitimate purposes
• Comply with all applicable financial and regulatory requirements

2. Financing Terms & Approval

• All Financing applications are subject to eligibility checks and risk assessment
• Interest rates, fees, repayment schedules, and total Financing cost are disclosed before acceptance
• Approval is not guaranteed and may be declined based on assessment results
• The Financing agreement becomes legally binding upon acceptance and fund disbursement

3. Repayment Obligations

• Borrowers must repay Financing according to the agreed repayment schedule
• Late or missed payments may incur penalties, additional interest, or fees
• Repeated delays may affect future Financing eligibility
• You are responsible for ensuring sufficient funds for scheduled payments

4. Default & Collections

• An account may be classified as default after missed payments beyond the grace period
• Collection procedures may be initiated, including third-party recovery services
• Default information may be reported to credit bureaus or financial institutions
• Legal action may be pursued where necessary to recover outstanding amounts

5. Service Availability & Limitation of Liability

• We strive to maintain continuous service but do not guarantee uninterrupted availability
• Services may be temporarily unavailable due to maintenance, upgrades, or external factors
• We are not liable for indirect, incidental, or consequential damages arising from platform use
• Users are responsible for securing their devices, networks, and account access

6. Privacy & Data Use

Your personal information is collected and processed in accordance with our Privacy Policy. By using our services, you consent to data processing required for identity verification, credit evaluation, regulatory compliance, and service delivery.

7. Governing Law

These Terms & Conditions shall be governed by and interpreted in accordance with the laws of the applicable jurisdiction. Any disputes arising from the use of our services shall be resolved through the appropriate courts or legal authorities within that jurisdiction.