Customers may apply for applicable loan products through the channels made available by the Company.

The Company may require information and documents necessary for customer identification, KYC, verification and credit assessment.

• Customer identification and contact information.
• KYC and identity documents.
• Income and employment information, where applicable.
• Banking information, where applicable.
• Other information required for assessment of the application.

Customers should provide complete and accurate information to support the application and assessment process.

The Company aims to communicate with customers in a clear and understandable manner regarding applicable loan products and related obligations.

Information provided to customers may include, as applicable:

• Loan amount.
• Applicable interest rate.
• Annual Percentage Rate (APR), where applicable.
• Processing fee and applicable taxes.
• Other applicable charges.
• Repayment amount and frequency.
• Tenure and repayment schedule.
• Other material terms and conditions.

Loan applications are subject to the applicable eligibility and credit assessment process.

Assessment may consider factors such as:

• Customer profile.
• Income and repayment capacity.
• Employment or business information.
• Credit history and credit information, where applicable.
• Existing financial obligations.
• KYC and verification results.
• Applicable product-specific criteria.

Submission of an application does not automatically constitute approval of a loan. Approval remains subject to the applicable assessment and verification requirements.

Before accepting a loan, customers should carefully review the applicable loan agreement and related terms and conditions.

The applicable documentation may specify:

• Approved loan amount.
• Interest rate and applicable method.
• Applicable fees and charges.
• Repayment schedule.
• Instalment amount.
• Due dates.
• Applicable default or other charges.
• Other material contractual terms.

Loan disbursement is subject to completion of applicable verification, documentation, acceptance of loan terms and other conditions specified for the relevant loan product.

Where applicable, the net amount disbursed may differ from the approved loan amount after deduction of applicable charges, taxes or other permitted deductions.

Customers should review the applicable disbursement details before accepting the loan.

The applicable interest rate may depend on the loan product, customer profile, credit assessment, tenure and applicable lending policy.

Applicable fees, charges and taxes will be communicated to the customer in accordance with the relevant product terms.

Customers should review the total financial obligation before accepting a loan, including the applicable interest, charges, repayment amount and tenure.

Customers are expected to make repayments in accordance with the applicable loan agreement and repayment schedule.

Customers should ensure that sufficient funds are available for scheduled repayments.

In case of delayed or missed repayments, applicable charges and recovery measures may apply in accordance with the loan agreement and applicable regulations.

Customer interactions relating to recovery should be carried out in accordance with applicable laws, regulations and internal policies.

Customer information shall be handled in accordance with applicable laws, regulations and the Company's applicable privacy and data protection practices.

Customer information may be used for purposes including loan processing, verification, servicing, compliance, credit assessment and other permitted purposes.

Information may be shared with authorised entities where required for legitimate business, regulatory, legal or contractual purposes.

Customers may raise complaints or grievances regarding applicable products, services or interactions through the grievance redressal mechanism provided by the Company.

Complaints should contain sufficient information to enable the Company to understand and address the concern.

For any questions regarding this Fair Practice Code, customers may contact the Company using the details below.