@extends('layouts.frontend-master') @section('title', 'User Agreement') @section('content') User AgreementAGREEMENT

"Installment Agreement" The Lender and the Borrower agree to and jointly abide by this agreement. Adhering to the principles of equity, voluntarism, honesty, and reputation, and in the absence of consensus, this Small Loan Agreement is signed to ensure compliance and performance by the parties.
Article 1: Loan Form
Use an unsecured ID card to request a loan.
Article 2: Premium Interest Rate
Interest rates, fines, service charges, or any fees shall not exceed 25% per year.
Article 3: Loan Tenure Obligations
During the loan tenure, the Borrower has to:
(1) Pay interest promptly.
(2) Repay the capital on time.
(3) If unable to borrow money from the account due to the Borrower's problem, cooperate with the Lender to finalize the payment.
(4) Comply with all the terms of the contract.
Article 4
(1) In the case of online borrowers without collateral, the lenders bear the risk of lending. Borrowers must disclose their financial status to the company to confirm their ability to repay their debts. The Borrower will withdraw the full amount from the loan account. (2) After signing this contract, both the Borrower and the Lender must comply with all requirements of the contract. If either party breaches the contract, the other party has the right to sue in court. The non-compliant party will have to pay a fine of 50 percent of the installment amount if no objection is raised.
(3) If the credit transfer cannot be resolved due to the Borrower's problems, the Lender has the right to request the Borrower's assistance in handling it. After completing this operation, the Lender must transfer the funds.
(4) The Borrower shall repay the loan principal and interest within the period specified in the contract. If the Borrower wants to apply for a loan extension, they must do so at least 5 days before the contract period expires.
Article 5: Lending
Before granting a loan, the Lender has the right to consider the following matters and make a decision to grant the loan after review: (1) Whether the Borrower has completed all legal formalities related to the loan under the applicable laws, such as obtaining government permits, approvals, registrations, and complying with relevant laws. (2) Whether the Borrower has paid the costs associated with this agreement, if any. (3) Whether the Borrower has complied with the loan terms specified in this agreement. (4) Whether the business and financial position of the Borrower have been deteriorated. (5) If the Borrower breaches the terms specified in this agreement.
Article 6
(1) The Borrower cannot use the loan for illegal activities. Otherwise, the Lender reserves the right to demand prompt repayment of the principal and interest, and the legal consequences shall be borne by the Borrower. (2) The Borrower shall repay the principal and interest within the period specified in the contract. For the overdue portion, the Lender is entitled to recover the loan and charge 5% of the total amount due.
Article 7: Modification or Termination of Contract
Neither party is permitted to modify or terminate the contract without permission. If either party wishes to bring forth such facts in accordance with the provisions of the law, they must notify the other party in writing in a timely manner for settlement. After this agreement is modified or terminated, the Borrower shall repay 30% of the principal and interest in accordance with the terms of this agreement.
Article 8: Dispute Resolution
Both parties agree to amend the terms of this agreement through negotiation. If negotiations fail, either party can seek mediation from the local arbitration committee or bring the matter to a local court.
Article 9: Assumption of Credit Risk

The Lender assumes the credit risk of the Borrower.The central office requires borrowers to purchase personal accident insurance. If the Borrower is unable to repay the loan on time due to force manure, the Lender may request assistance from the insurance company in repaying the Borrower's loan, and the loan should be transferred to the Borrower's account as specified in the internal contract. If the Borrower signs the contract but fails to comply with the terms within half an hour of purchase, the company considers it a serious fraud and will take the credit dispute to the People's Court. The Anti-Contract King clause is also applicable. If the Lender fails to lend on time after purchase, the Borrower has the right to sue directly in the local court.
Article 10: Effective Date
This Short Loan Agreement takes effect from the date of its signing by both parties (including the electronic agreement). The text of the contract has the same legal effect. The Lender and Borrower each keep a copy of the contract.
Lender: Credit



POLICY CONDITIONS

1. Customer Commits And Confirms That All Information, Data, Documents That Customer Goods Supplied To Under The Provisions Of This Contract Are Under The Management Of Legal Use, Use And Possession Of The Customer; True; Correct On All Facets And No Information Is Hidden And Personal Loan Maximum Approval Limit Is Not More Than 5 Times Of Income.

2. The Customer Agrees And Allows SM Investments Corporation To Receive Information Related To The Agreement Loan Agreement And Documents Related To The Loan Agreement. SM Investments Corporation Is Allowed To Disclose To Any Third Party Any Information Relating To The Customer And/Or Related In Connection With The Contract, Loan Agreement And/Or Other Relevant Documents At Any When Is SM Investments Corporation’S Decision Right And Necessary? Without Obtaining The Consent Of The Customer.Customer Agrees That The Foregoing Information May Be Used, Encrypted, Transmitted And Stored By SM Investments Corporation And Its Management Company, Its Branches, Subsidiaries And Member Companies Other Assets Of SM Investments Corporation.

3. According To The Qualification Of Each Applicant And Or Setting A Credit Limit And Or The Interest Rate Received Depend On The Loan Application Document And Or The Terms And Conditions Within SM Investments Corporation, However, Any Such Approval Shall Be At The Discretion Of The Company.

4. Regardless Of Any Or All Installments, The Company Has The Right To Collect Interest During The Default Period, Rate At The Company Deemed Appropriate, But Not Exceeding The Maximum Rate As The Company Has The Right To Collect Legally And You Will Still Be Charged A Debt Collection Fee At The Rate Of Accounting Cycle.

5.Borrowers Can Know The Preliminary Approval Results When Submitting A Loan Application.

6.Interest Rates (Fixed Interest Rate), Fines, Service Charges Or Any Fees. Total Not More Than 24% Per Year (Decrease The Interest Rate Since The Beginning) In The Case Of Having A Car Registration As Insurance.

7.Total Amount Of The Loan And Installment Repayment Is Not More Than 24% Per Year.8..The Company Reserves The Right To Use The Company S Internal Rules And Policies Approving The Credit Line, Or Reject The Can Request Including The Approval Of Special Interest Rates However, If It Is Found That The Borrower S Qualifications Do Not Meet The Criteria And Conditions That The Company Set Forth At Any Time And For Any Reason The Borrower Agrees To Allow The Company Have The Right To Change The Interest Rate Includes The Credit Line Usage Fee That The Borrower Will Have To Pay To The Company. The Interest Rate Includes Such Fees Shall Not Exceed The Maximum Rate Required By Law.

8.The Customer Will Not Make Any Claim Against Insurance Of Any Claim For Any Loss Of Any Nature Which Substance Is Due To SM Investments Corporation Unilaterally Terminating The Contract According To The Terms Of This Agreement.

9.Debt Collection Expense Of The Installment Repayment By Bank Deposit Or Accounting Cycle.

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