Terms & Conditions

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1. Eligibility

You must meet the following criteria to use our credit card and loan services:

You must be at least 18 years old.
You must provide accurate and complete information when applying for credit or loans.
You must agree to our Privacy Policy.

2. Credit Card and Loan Services

We offer credit card and loan services subject to credit approval. Our services include, but are not limited to:

Credit card applications and issuance.
Loan applications and processing.
Interest rates and repayment terms specified in your credit agreement.

3. Application and Approval

To apply for credit or loans, you must submit an application and provide requested documentation. Approval is subject to our credit evaluation and underwriting criteria. We reserve the right to deny applications for any reason.

4. Fees and Charges

You are responsible for all fees, interest charges, and costs associated with your credit card and loans. These fees and charges will be outlined in your credit agreement and billing statements.

5. Repayment

You agree to repay all outstanding balances according to the terms specified in your credit agreement. Failure to make timely payments may result in additional fees and adverse effects on your credit score.

6. Termination

We reserve the right to terminate or suspend your credit card or loan services at any time, for any reason, with or without notice.

7. Privacy

Your use of our services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your personal information.

8. Limitation of Liability

We are not liable for any direct, indirect, incidental, special, or consequential damages resulting from your use of our services.

9. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your use of our services or any breach of this Agreement.

10. Amendments

We may update these Terms and Conditions from time to time. Any changes will be posted on our website with a revised "Last Updated" date. Continued use of our services constitutes acceptance of the updated terms.

11. Governing Law

This Agreement is governed by and construed in accordance with the laws of [Jurisdiction]. Any disputes arising from this Agreement will be subject to the exclusive jurisdiction of the courts in [Jurisdiction].

12. Contact Us

If you have questions or concerns about these Terms and Conditions or our services, please contact us at [Contact Information].