User Agreement & Terms of Service

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Welcome to (“Platform”, “we”, “our”, “us”). This agreement is a legal contract between you (“User”, “you”, “your”) and the Platform. By creating an account, accessing, browsing, or using any part of the Platform, you confirm that you understand and accept the terms below.

1) Definitions

“Account” means your registered profile tied to a unique phone number. “Application” means any request submitted through the Platform, including verification submissions, service requests, support requests, or loan-related processes. “Content” means text, data, images, documents, and files uploaded by you.

2) Eligibility & User Promises

• You confirm you are legally allowed to use this Platform.
• You confirm you provide true, complete, and accurate information.
• You confirm you will not use the Platform for illegal, harmful, or fraudulent activity.
• You confirm you understand that approval of any application is not guaranteed.

3) One Account Per Phone Number

Each phone number may only create one account. If a phone number is already registered, you must use the login page. Creating multiple accounts, attempting to reuse phone numbers, or using another person’s phone number without permission is strictly prohibited.

4) Account Security

• You are responsible for keeping your password confidential.
• You must not share your password or verification codes with anyone.
• If you suspect unauthorized access, you must notify support immediately.
• Actions taken under your account are treated as authorized by you.

5) Acceptable Use

You agree that you will not:

• Submit false, edited, or misleading documents.
• Impersonate any person or entity.
• Attempt to hack, exploit, disrupt, or bypass Platform security.
• Use automation or scripts to abuse registration, submissions, or messaging.
• Harass or threaten staff or other users.
• Upload malware, harmful files, or suspicious links.

End of Agreement.