1. Service Description
1.1 Loan Services
This agreement applies to all loan services provided by Loan Wallet (hereinafter referred to as the "Company") to customers. Specific details of the loan service, including interest rates, repayment terms, etc., will be outlined in the loan contract.
1.2 Account Registration
Customers register an account through the company's online platform. Customers must provide accurate, complete, and up-to-date personal information. The company will ensure the security of customer account information.
1.3 Loan Application and Approval
Customers can submit loan applications through the company's platform. The company will review the application and decide whether to approve the loan based on the customer's creditworthiness and other relevant factors.
2. Loan Contract
2.1 Contract Terms
Once a loan is approved, the customer and the company will sign a loan contract. The contract will specify the terms of the loan, including conditions, interest rates, repayment terms, early repayment provisions, etc.
2.2 Repayment Obligation
Customers are obligated to fulfill the repayment terms outlined in the contract, including repayment amounts and deadlines. Late payments may result in fines or additional charges.
3. Refund Policy
3.1 Refund Conditions
The refund policy will specify the conditions under which a refund is possible. Customers should carefully read and understand the refund policy.
3.2 Refund Application
If eligible for a refund, customers can submit refund applications through the company's designated process. Refunds will be processed according to the terms outlined in the refund policy.
4. Privacy Policy
4.1 Information Collection and Use
The company will collect, use, and protect customer personal information according to its privacy policy. Customers should read and agree to the privacy policy.
4.2 Information Protection
The company will take reasonable security measures to ensure the security and confidentiality of customer information.
5. Legal Responsibility and Disclaimer
5.1 Company Responsibility
The company will make reasonable efforts to provide accurate and timely loan services. However, the company is not responsible for interruptions or issues caused by force majeure, system failures, or other uncontrollable factors.
5.2 Customer Responsibility
Customers are responsible for fulfilling repayment obligations and ensuring the accuracy of provided information. Defaulting on repayments or providing false information may lead to legal consequences.
6. Contract Modification and Termination
6.1 Contract Modification
The company reserves the right to modify this agreement based on business needs. Modified agreements will be published on the company's website and take effect upon notification to customers.
6.2 Contract Termination
Either party has the right to terminate the contract with prior notice and in accordance with the contract's specified procedures.
7. Dispute Resolution
In the event of a dispute during the contract's execution, both parties should seek resolution through amicable negotiation. If negotiations fail, the matter may be submitted to the relevant court for resolution.