Welcome to Finuvo-Pay. By accessing or using our website, products, and loan services, you agree to be bound by the following Terms of Service. Please read them carefully.

1. Acceptance of Terms

By applying for or using our loan services, you confirm that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

2. Loan Services

• Loan approvals are subject to eligibility checks, document verification, and compliance with our policies.

• Interest rates, repayment schedules, and fees will be clearly communicated before you accept a loan offer.

• Failure to meet repayment obligations may result in additional charges, legal action, or impact on your credit rating.

3. User Responsibilities

• You agree to provide accurate, complete, and truthful information during loan applications.

• You are responsible for maintaining the confidentiality of your account credentials.

• You agree not to use our services for fraudulent, illegal, or unauthorized purposes.

4. Fees & Charges

All fees, charges, and applicable taxes will be disclosed upfront. We maintain a no hidden charges policy.

5. Privacy & Data Protection

We respect your privacy. Any personal data collected will be used strictly in line with our [Privacy Policy].

6. Limitation of Liability

[Your Brand Name] shall not be held responsible for delays, service interruptions, or financial losses caused by factors beyond our control.

7. Termination of Service

We reserve the right to suspend or terminate accounts that violate these Terms of Service or engage in fraudulent activity.

8. Governing Law

These Terms are governed by the laws of [Insert Country/Region]. Any disputes will be subject to the exclusive jurisdiction of the courts in [Insert Location].

9. Changes to Terms

We may update these Terms of Service from time to time. Users will be notified of any significant changes via our website or email.