Legal Documents
Borrower Documents
Terms of Use
Loan product terms, borrower obligations, cooling-off right, late payment escalation, and dispute resolution.
Loan Terms & Conditions
Tier system and limits, interest calculation, fees, repayment rules, late fees, and default and rebuilding process.
Privacy Policy
How we collect, use, store, and disclose your personal information.
Risk Disclosure
Key risks of borrowing — cost of credit, repayment risk, default consequences, and over-indebtedness.
Responsible Lending Policy
How we assess affordability, disclose pricing, handle hardship, and define the cooling-off and grace periods.
Collection Policy
Our escalation process from grace period to overdue to default, conduct standards, and hardship provisions.
Platform & Compliance Documents
Acceptable Use Policy
Rules that apply to all platform users — prohibited activities, data handling, and enforcement.
Security Statement
Technical and organisational security controls, responsible disclosure process, and incident response.
KYC Policy
Identity verification requirements, acceptable documents, verification outcomes, and data retention.
AML/CTF Policy
Anti-money laundering and counter-terrorism financing obligations, transaction monitoring, and reporting.