TERMS OF SERVICE

1. ABOUT LENDVIX FINANCIAL

Lendvix Financial is a digital financial-services platform designed to provide users with access to information about available financial products and, where applicable, an online process for submitting applications.

The availability of specific financial products, loan amounts, repayment periods, rates, fees, eligibility requirements, and other terms may vary based on the applicable product, applicable law, and individual application assessment.

Lendvix Financial does not guarantee that every person who uses the platform will qualify for or receive a loan or other financial product.

2. ACCEPTANCE OF THESE TERMS

By using the Services, you confirm that:

• You have read and understood these Terms.
• You agree to comply with these Terms.
• The information you provide is accurate and truthful.
• You will update information when necessary to keep it accurate.
• You will use the Services only for lawful purposes.
• You will not use the Services to commit fraud, impersonate another person, or engage in unlawful activity.
• You have the legal capacity required to enter into these Terms under applicable law.

If you are using the Services on behalf of another person or organization, you confirm that you have the authority to accept these Terms on their behalf.

3. ELIGIBILITY

Use of the Services is subject to applicable eligibility requirements.

You may be required to meet minimum age, identity, residency, financial, employment, income, or other requirements depending on the product or service for which you apply.

Where a financial product requires applicants to be at least 18 years old, applicants who do not meet the applicable minimum age requirement will not be eligible to proceed.

Meeting a minimum eligibility requirement does not guarantee approval.

Additional eligibility requirements may apply to individual products.

4. YOUR ACCOUNT

Certain features of the Services may require you to create an account.

When creating an account, you agree to provide accurate, complete, and current information.

You are responsible for:

• Maintaining the accuracy of your account information.
• Keeping your login credentials secure.
• Preventing unauthorized access to your account.
• Not sharing your password or authentication credentials with other people.
• Not allowing another person to use your account.
• Informing us promptly if you believe your account has been compromised.

You are responsible for activity conducted through your account unless applicable law provides otherwise.

Lendvix Financial may suspend or restrict access to an account where there is reason to believe that the account is being used improperly, fraudulently, unlawfully, or in violation of these Terms.

5. PROVIDING ACCURATE INFORMATION

Information submitted through the Services must be truthful, accurate, complete, and current.

You must not:

• Provide false or misleading information.
• Use another person's identity.
• Submit documents that do not belong to you.
• Alter or falsify documents.
• Misrepresent your income, employment, financial circumstances, or other application information.
• Create multiple accounts for deceptive or fraudulent purposes.

Providing inaccurate or misleading information may result in your application being declined, your account being restricted or terminated, or other action being taken where permitted by law.

6. LOAN AND FINANCIAL APPLICATIONS

Where loan or other financial applications are available through the Services, submitting an application does not constitute an approval, offer, commitment, or guarantee of funding.

Applications may be subject to:

• Eligibility requirements.
• Identity verification.
• Fraud prevention procedures.
• Credit or financial assessment where applicable.
• Verification of information.
• Supporting documentation.
• Applicable underwriting or assessment criteria.
• Applicable legal and regulatory requirements.

Lendvix Financial may request additional information or documentation when reasonably necessary to process an application.

7. NO GUARANTEE OF APPROVAL

Submitting an application does not guarantee that you will be approved for a loan or other financial product.

Approval decisions, available products, loan amounts, rates, fees, repayment periods, and other terms may vary based on applicable requirements and individual circumstances.

Lendvix Financial does not promise that you will qualify for a particular amount, rate, repayment period, or financial product.

8. REVIEWING AN OFFER

If you receive an offer for a financial product, you should carefully review all applicable terms before accepting it.

Depending on the product, these terms may include:

• Amount provided.
• Interest rate or applicable pricing.
• Fees and charges.
• Repayment period.
• Payment frequency.
• Scheduled payment amount.
• Total repayment obligation.
• Late-payment provisions.
• Other applicable conditions.

You should not accept a financial product unless you understand the terms that apply to you.

9. LOAN AGREEMENTS

If you accept a loan or other financial product, additional agreements and disclosures may apply.

Those agreements may contain terms that are specific to the financial product, including repayment obligations, interest, fees, payment dates, default provisions, and other conditions.

Where there is a conflict between these Terms of Service and a specific financial agreement, the terms of the applicable financial agreement may govern the relevant financial transaction to the extent permitted by applicable law.

10. RESPONSIBLE BORROWING

Borrowing money is an important financial decision.

Before accepting a loan, you should consider:

• Your income.
• Your existing financial obligations.
• Your expected repayment amount.
• The total cost of borrowing.
• The repayment period.
• Your ability to make payments when they become due.

You should only borrow an amount that you reasonably expect to be able to repay.

If you are uncertain about whether a financial product is appropriate for your circumstances, consider obtaining independent financial advice.

11. REPAYMENTS

If you enter into a loan agreement or other financial agreement, you are responsible for making payments according to the applicable agreement.

You should:

• Keep track of payment dates.
• Ensure that payments are made through the applicable payment method.
• Maintain sufficient funds where required.
• Review your repayment obligations regularly.

Failure to make payments when due may have consequences described in the applicable agreement and permitted by applicable law.

12. COMMUNICATIONS

By using the Services, you may receive communications relating to your account, application, transactions, security, or other services.

Depending on applicable law and your preferences, communications may be delivered through methods such as:

• Email.
• Telephone.
• SMS or text message.
• In-platform notifications.
• Other communication methods associated with your account.

Important account or application communications may still be sent where permitted or required even if you have opted out of certain promotional communications.

13. ELECTRONIC COMMUNICATIONS AND SIGNATURES

Where permitted by applicable law, you agree that electronic communications, notices, disclosures, and records may be provided electronically.

Where electronic signatures are legally valid, you may be asked to provide consent or an electronic signature in connection with an application or agreement.

You are responsible for maintaining access to the email address and other contact information associated with your account.

14. PROHIBITED USES

You may use the Services only for lawful and legitimate purposes.

You must not:

• Commit or attempt to commit fraud.
• Impersonate another person.
• Submit false information.
• Use another person's account.
• Attempt to gain unauthorized access to the platform.
• Interfere with the operation of the Services.
• Introduce malicious software or harmful code.
• Attempt to bypass security measures.
• Scrape, copy, or systematically extract platform data without authorization.
• Reverse engineer or attempt to reproduce protected portions of the platform.
• Use the Services to violate applicable laws or regulations.
• Use the Services for any fraudulent, deceptive, or abusive purpose.

15. SECURITY

We take reasonable measures designed to protect the Services and information handled through them.

However, no website, online service, electronic transmission, or storage system can be guaranteed to be completely secure.

You are responsible for taking reasonable precautions to protect your own devices, accounts, passwords, and authentication information.

If you believe that your account or information has been accessed without authorization, contact the appropriate Lendvix Financial support channel as soon as reasonably possible.

16. PRIVACY

Your use of the Services is also subject to the Lendvix Financial Privacy Policy.

The Privacy Policy explains how personal information may be collected, used, stored, disclosed, and otherwise processed in connection with the Services.

By using the Services, you acknowledge that you have reviewed the Privacy Policy.

17. THIRD-PARTY SERVICES

The Services may rely on third-party providers for certain functions, including technology infrastructure, identity verification, communications, payment processing, analytics, security, or other services.

Third-party services may be subject to their own terms and privacy policies.

Where appropriate, you may be required to provide information directly to a third-party provider in order to use a particular service.

Lendvix Financial is not responsible for third-party services to the extent permitted by applicable law.

18. WEBSITE CONTENT

Information displayed on the Lendvix Financial website is intended to provide general information about the Services.

While reasonable efforts may be made to keep information accurate and current, information may change without notice.

Product availability, eligibility criteria, rates, fees, terms, and other information may change based on applicable requirements and individual circumstances.

You should rely on the specific terms and disclosures applicable to your individual application or financial agreement when making a financial decision.

19. NO FINANCIAL ADVICE

Information provided through the website is not intended to constitute personalized financial, investment, tax, legal, or other professional advice.

Information provided through the platform should not be treated as a recommendation that a particular loan or financial product is appropriate for you.

You are responsible for evaluating your own circumstances and should obtain independent professional advice where appropriate.

20. INTELLECTUAL PROPERTY

Unless otherwise stated, the Lendvix Financial website and its contents, including its branding, logos, text, graphics, designs, layouts, software, and other materials, are owned by or licensed to Lendvix Financial or its applicable licensors.

You may access and use the website for its intended lawful purpose.

You may not reproduce, modify, distribute, publish, sell, license, or commercially exploit protected website content without appropriate authorization.

Nothing in these Terms transfers ownership of intellectual property to you.

21. FEEDBACK

If you provide suggestions, comments, ideas, or other feedback about the Services, you agree that Lendvix Financial may use that feedback to improve the Services, subject to applicable law.

Providing feedback does not give you ownership of any resulting improvements, features, or developments unless separately agreed in writing.

22. AVAILABILITY OF THE SERVICES

We aim to maintain reliable access to the Services, but continuous or uninterrupted availability cannot be guaranteed.

The website or certain features may occasionally be unavailable because of:

• Maintenance.
• Software updates.
• Security measures.
• Technical problems.
• Network interruptions.
• Third-party service interruptions.
• Events outside our reasonable control.

We may modify, suspend, or discontinue portions of the Services where permitted by applicable law.

23. SUSPENSION OR TERMINATION

We may suspend, restrict, or terminate your access to the Services where permitted by applicable law if:

• You violate these Terms.
• You provide false or misleading information.
• Your account is suspected of fraudulent activity.
• Your account presents a security risk.
• Your use of the Services is unlawful.
• Your activity may harm the platform or another person.
• Suspension or termination is required by law or applicable regulatory requirements.

Termination or suspension does not automatically cancel financial obligations arising under an existing agreement unless the applicable agreement or applicable law provides otherwise.

24. DISCLAIMERS

To the maximum extent permitted by applicable law, the Services are provided on an "as available" basis.

Lendvix Financial does not guarantee that:

• The website will always be available.
• The Services will operate without interruption.
• Every application will be approved.
• A particular loan amount will be available.
• A particular interest rate or fee will apply.
• A particular repayment period will be available.
• An application will be processed within a specific period.
• The website will always be free from errors or technical problems.

Nothing in these Terms excludes or limits any consumer protection, statutory right, or other legal protection that cannot lawfully be excluded or limited.

25. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Lendvix Financial and its applicable officers, employees, contractors, service providers, and affiliates will not be responsible for indirect, incidental, consequential, special, or punitive losses arising from your use of the Services.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law, including liability that cannot legally be excluded or limited.

Any additional limitations of liability applicable to a particular financial product will be stated in the applicable agreement or disclosure.

26. INDEMNIFICATION

To the extent permitted by applicable law, you agree to be responsible for losses, claims, liabilities, or expenses arising from your unlawful use of the Services, your violation of these Terms, or your intentional or fraudulent misuse of the platform.

This provision does not require you to indemnify Lendvix Financial for matters where applicable law prohibits such an obligation.

27. CHANGES TO THESE TERMS

Lendvix Financial may update these Terms from time to time to reflect changes to the Services, applicable requirements, technology, or business practices.

When changes are made, the updated "Last Updated" date will be displayed at the top of this page.

Where required by applicable law, we will provide additional notice of material changes.

Your continued use of the Services after updated Terms become effective may constitute acceptance of the revised Terms to the extent permitted by applicable law.

28. GOVERNING LAW

These Terms are governed by the laws applicable to the Lendvix Financial service and the jurisdiction in which the relevant entity operates, subject to any mandatory consumer protection or other legal requirements that apply to you.

29. DISPUTE RESOLUTION

If you have a concern or dispute relating to the Services, we encourage you to contact Lendvix Financial first so that the matter can be reviewed and addressed where possible.

Depending on the applicable law and the nature of the dispute, additional complaint-handling, regulatory, mediation, arbitration, or court procedures may apply.

Nothing in this section removes any legal rights or remedies that cannot lawfully be waived.

30. SEVERABILITY

If any provision of these Terms is determined to be invalid, unlawful, or unenforceable, that provision will be interpreted or limited to the extent necessary, and the remaining provisions will continue to apply to the extent permitted by law.

31. NO WAIVER

If Lendvix Financial does not immediately enforce a provision of these Terms, that does not mean that Lendvix Financial has permanently waived its right to enforce that provision later.

32. ENTIRE AGREEMENT

These Terms, together with the Privacy Policy and any applicable financial agreements, disclosures, notices, and additional terms, constitute the applicable agreement governing your use of the Services, subject to any specific terms that apply to a particular product or transaction.

33. CONTACT LENDVIX FINANCIAL

If you have questions about these Terms or the Lendvix Financial Services, please contact us through the official contact channel provided on the website.