Policy Conditions

1. Parties
Party A refers to the Lender, and Party B refers to the Borrower.

2. Loan Agreement
Party A agrees to provide a loan (the “Loan”) to Party B, and Party B agrees to repay the Loan according to the terms outlined in this Agreement. Both Parties agree to follow, perform, and comply with all conditions stated herein.

3. Authorization for Information Disclosure
Party B authorizes Party A to obtain and access all information related to this Loan Agreement and its supporting documents. Party A may disclose any information pertaining to Party B to third parties when deemed necessary and appropriate, without requiring additional consent. Party B understands and agrees that such information may be used, encrypted, transmitted, and stored by Party A, its management company, branches, subsidiaries, member companies, and other related entities.

4. Accuracy of Information Provided
Party B confirms that all information, documents, and data submitted are legally obtained, accurate, true, and complete. Party B certifies that no information has been withheld. Party B acknowledges that the maximum loan approval limit is between 12 to 48 times their verified net income.

5. Loan Risk and Borrower Responsibility
For online loans without collateral, Party A assumes greater financial risk. Therefore, Party B must provide complete financial information to prove repayment capability. Once approved, Party B agrees to withdraw the full loan amount.

6. Qualification and Approval
Loan approval, credit limits, and interest rates are based on the applicant’s submitted documents and Party A’s internal policies. All approvals remain at the sole discretion of Party A.

7. Interest and Default Charges
During any default period, Party A has the right to charge interest at a rate deemed appropriate, not exceeding the legal maximum. Additional debt collection fees will be charged according to the repayment schedule.

8. Preliminary Approval Notice
Party B will receive a preliminary approval result immediately after submitting their loan application.

9. Contract Cancellation and Termination Fee
If Party B wishes to cancel an already approved loan through the online platform, a contract termination fee of 30% of the approved loan amount will be charged. If Party B violates any terms of this Agreement, Party B is responsible for all losses suffered by Party A, including warnings, default fees, and damages. Once both Parties agree, this Loan Agreement becomes legally binding.

10. Interest Rate and Credit Line Adjustment
The total interest and repayment amount will not exceed 24% per year. Party A reserves the right to approve or reject applications based on internal policies. Party A may adjust interest rates or credit line fees if Party B’s qualifications do not meet company standards. All adjustments will remain within legal limits.

11. Waiver of Claims
Party B waives any right to claim insurance, compensation, or damages relating to Party A’s lawful termination of the contract in accordance with this Agreement.

12. Debt Collection Method
Debt collection fees and installment repayments will be processed through bank deposit and must follow the agreed-upon payment schedule.