1. Introduction
These Terms of Service govern your use of our online loan platform, which provides short-term financial assistance to qualifying applicants. By accessing or applying for a loan through our website, you agree to comply with these terms, all applicable laws, and any additional policies displayed on our platform. If you do not agree with these terms, you should not use our services.

2. Loan Eligibility & Application
Our service offers short-term loans up to a maximum amount of R10,000, subject to approval based on the information you provide. You agree to submit accurate, complete, and up-to-date personal and financial details during the application process. We reserve the right to verify your information, decline applications at our discretion, and request additional supporting documents before approving any loan.

3. Repayment Terms & Fees
Approved loans must be repaid according to the repayment schedule presented to you during the application process. Interest rates, service fees, and repayment deadlines will be clearly disclosed before you accept the loan offer. By accepting a loan, you agree to make payments on or before the due dates. Late or missed payments may result in additional charges, collection actions, or suspension from accessing future loan services.

4. Limitation of Liability & User Responsibility
While we strive to ensure a reliable and secure platform, we are not liable for any delays, technical issues, or losses arising from your use of our service. You are responsible for maintaining the confidentiality of your account and ensuring that all actions taken through your profile are authorized. We reserve the right to amend these Terms of Service at any time, and continued use of our platform indicates your acceptance of any updates.