Users must be aged 18 to 60 years old with valid personal identification and an active personal bank account.

Loan eligibility is assessed based on credit scoring, transaction records and identity verification procedures.All approval decisions are automated and final.

All applicable interest rates and service fees will be clearly displayed to you before you confirm your application.No hidden fees or pre-approval charges will be applied.

You shall make repayments in full and on time via the official payment channels we provide.Late repayment may incur penalty charges and restrict your future access to credit services.

By submitting a loan application, you confirm that the borrowed funds will be used for legitimate and lawful purposes, and you fully understand and accept your repayment obligations.

We follow global standard data protection principles.Your personal data is only used for credit evaluation, fraud prevention and standard service compliance.We will never sell, rent or improperly disclose your personal information to third parties.

We reserve the right to suspend or permanently terminate your account if fraudulent, abusive, improper or illegal activities are identified.

Loan approval and service terms depend on individual eligibility assessment.We do not guarantee loan approval for all applicants.

We may revise and update these Terms from time to time. You will be notified through our application or official website prior to any material changes taking effect.

These Terms shall be interpreted in accordance with general international commercial practice and fair service principles.Any arising disputes shall be resolved through friendly negotiation or neutral arbitration. Your continued use of our services constitutes your acceptance of these updated Terms.By accessing or using our services, you agree to comply with and be bound by these Terms.