Terms & Condition
erm & Conditions for Loan Services – Just Click Financial Company
These Terms and Conditions (“Agreement”) outline the terms under which Just Click Financial Company (“Company”) provides loan services to its customers (“Customers”). By availing our loan services, Customers agree to comply with the terms and conditions set forth below:
Eligibility: Customers must meet the following eligibility criteria to avail our loan services: a. Customers must be at least 18 years old. b. Customers must be citizens or legal residents of the country where the loan is being offered. c. Customers must have a valid identification document issued by the government. d. Customers must provide accurate and up-to-date personal and financial information during the loan application process.
Loan Application and Approval: a. Customers can apply for a loan through our online application process or by visiting our physical branches. b. Customers must provide complete and accurate information during the application process. Any false or misleading information may result in immediate rejection of the application. c. Loan approval is subject to the Company’s discretion and assessment of the Customer’s creditworthiness, income, and other relevant factors. d. The Company reserves the right to request additional documentation or information to verify the Customer’s eligibility and creditworthiness.
Loan Terms: a. Loan terms, including the loan amount, interest rate, repayment period, and any additional fees, will be disclosed to the Customer in writing before the loan agreement is finalized. b. Customers must carefully review the loan terms and conditions and agree to them before accepting the loan offer. c. The Company reserves the right to modify the loan terms after considering any changes in the Customer’s circumstances, including creditworthiness, income, or regulatory requirements.
Repayment: a. Customers are responsible for making timely repayments according to the agreed-upon repayment schedule. b. Late or missed payments may result in additional fees or penalties, as outlined in the loan agreement. c. Customers must notify the Company promptly of any changes in their financial situation that may affect their ability to make repayments.
Prepayment and Early Repayment: a. Customers may have the option to prepay or repay the loan in full before the agreed-upon term. b. Prepayment or early repayment fees may apply and will be disclosed in the loan agreement.
Communication and Notices: a. Customers agree to receive communications, statements, and notices regarding their loan services electronically or through other agreed-upon means of communication. b. Customers must promptly inform the Company of any changes in their contact information.
Privacy and Data Protection: a. The Company respects the privacy of its Customers and is committed to protecting their personal information in accordance with applicable laws and regulations. b. The Company may collect, use, store, and process personal information for the purpose of providing loan services, assessing creditworthiness, and complying with legal obligations. c. The Company may share Customers’ personal information with third parties, such as credit bureaus or regulatory authorities, as required by law or with the Customer’s consent.
Termination and Default: a. The Company reserves the right to terminate the loan agreement and demand immediate repayment if the Customer breaches any of the terms and conditions. b. In the event of default, the Company may take legal actions, including but not limited to debt collection, reporting to credit bureaus, or filing a lawsuit.
Governing Law and Jurisdiction: a. This Agreement shall be governed by and construed in accordance with the laws of the jurisdiction where the loan is offered. b. Any disputes arising out of or relating to this Agreement shall be subject to the exclusive jurisdiction of the courts in that