TERMS OF THE LOAN

We offer the following loan services:
Loan Amount: Up to 50,000 Rupees.
Loan Term: 91 days to 360 days.
Service Fee: 100-400 Rupees.
Daily Interest Rate: 0.08%.
Maximum Annual Percentage Rate: 32.8%.
For example, for a loan with a term of 91 days (3 months) and a total amount of 10,000 Rupees, after deducting a service fee of 100 Rupees (including credit scoring system fees, account fees, and third-party fees), the actual disbursed amount is 9,900 Rupees. The borrower will need to make monthly repayments of 3,333.33 Rupees, with a total interest amount of 240 Rupees, divided into 3 installments. The final repayment amount will be 10,720 Rupees.

1. Loan amount
The amount of the loan shall be based on the loan order amount applied by the borrower to the lender, and both parties shall confirm the loan amount and agree to carry out the loan in accordance with the stipulations of this agreement.

2. Repayment period
A. Repayment start date: From the effective date of this agreement, the borrower shall make repayment according to the agreed repayment method and cycle until the loan principal and interest are fully repaid.
B. If the borrower fails to repay the loan on time, from the date of overdue, the overdue interest will be charged according to the annualized interest rate agreed by both parties until all outstanding loan principal and interest are repaid.
C. The borrower has the right to repay all or part of the loan principal and interest in advance before the repayment period expires.

3. Guarantee and additional agreement
·The borrower guarantees that it is a Indian citizen or legal resident legally over the age of 18 and has full capacity for civil conduct to perform this agreement.
·The Borrower hereby promises that all the documents, information and materials provided are true, accurate, complete and legal.
·The borrower guarantees the legal use of the loan funds and assumes all responsibilities arising from the illegal use of the loan funds.
·The borrower agrees to authorize the lender to have the right to conduct credit investigations through legal means.
·During the effective period of the loan contract, if a major accident, major loss or other force majeure event occurs, making the borrower unable to repay the loan principal and interest on time, the lender shall be notified in time and corresponding certificates shall be provided.

·For matters not covered in this agreement, the two parties can negotiate separately and sign a supplementary agreement.

4. Dispute resolution
The interpretation and implementation of this agreement shall comply with the relevant provisions of Indian law. Any disputes or disputes arising from this agreement between the two parties shall be resolved through friendly negotiation. If the negotiation fails, it shall be submitted to a court with jurisdiction in India for litigation resolution.