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  By accessing or using the services provided by "the Company", ("we," "us," or "our"), including but not limited to applying for and receiving loans, you ("the Borrower," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must not use our services.

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  Eligibility: To apply for a loan, you must meet our eligibility criteria, which may include age, credit history, income, and other factors.
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  Information Accuracy: You are responsible for providing accurate and complete information in your loan application. Any false or misleading information may result in the rejection of your application or the termination of your loan agreement.
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  Credit Check: You authorize us to obtain your credit report from credit bureaus and other sources to assess your creditworthiness.
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  Approval: Loan approval is at the sole discretion of the Company. We reserve the right to approve or reject any loan application without providing a reason.
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  Loan Agreement: If your loan application is approved, you will receive a loan agreement that outlines the terms of the loan, including the principal amount, interest rate, repayment schedule, and any applicable fees. You must carefully review and sign the loan agreement before receiving the loan.

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  Principal Amount: The principal amount of the loan is the amount borrowed.
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  Interest Rate: The interest rate applied to your loan will be specified in the loan agreement.
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  Repayment Schedule: Your loan agreement will specify the repayment schedule, including the number of payments, the amount of each payment, and the due dates.
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  Fees: You may be charged fees, such as origination fees, late fees, or prepayment penalties, as specified in the loan agreement.
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  Late Payments: Late payments may result in late fees and may negatively impact your credit score.
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  Default: Failure to make payments according to the repayment schedule may result in default, which may lead to legal action and collection efforts.

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  Repayment: You are obligated to repay the loan according to the repayment schedule specified in the loan agreement.
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  Notification: You must notify us immediately of any changes to your contact information or financial situation that may affect your ability to repay the loan.
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  Cooperation: You agree to cooperate with us in any collection efforts in the event of default.

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  Changes to Terms: We reserve the right to modify these Terms at any time. We will provide notice of any material changes.
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  Collection: We reserve the right to pursue all legal and collection remedies in the event of default.
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  Assignment: We may assign our rights and obligations under these Terms to a third party.

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  Your personal information will be collected, used, and disclosed in accordance with our Privacy Policy, which is incorporated by reference into these Terms.

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  These Terms shall be governed by and construed in accordance with the laws of the Republic of the Philippines.

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  Any disputes arising out of or relating to these Terms shall be resolved through Arbitration followed by Litigation, if not resolved.

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  The Company shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of or relating to these Terms or your use of our services.

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  These Terms constitute the entire agreement between you and the Company with respect to the subject matter hereof and supersede all prior or contemporaneous communications and proposals, whether oral or written.

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  If you have any questions or concerns about these Terms, please contact us at: [email protected]

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  If any provision of these terms is deemed invalid, the rest of the terms remain in full effect.