Acceptable Use Policy
1. Purpose
This Acceptable Use Policy ("AUP") sets out the rules governing access to and use of the WanPaus Microfinance platform ("the Platform"), including its web application, API, and any related services operated by Pakimu Investment Limited T/A WanPaus Microfinance ("Pakimu", "we", "us").
This AUP applies to all users including borrowers, staff, administrators, and any third party granted access to the Platform. By using the Platform you agree to comply with this AUP. Breach of this policy may result in account suspension, termination, and referral to law enforcement.
2. Prohibited Activities
You must not use the Platform to:
- (a) Submit false information. Providing inaccurate, incomplete, or fabricated personal, financial, or identity information in a loan application, KYC process, or any platform interaction. This includes impersonating another person or using another person's identity documents.
- (b) Commit fraud. Any act intended to deceive Pakimu or its staff, including multiple registrations under different identities, collusion to obtain loans under false pretences, or misrepresenting the purpose of a loan.
- (c) Circumvent security controls. Attempting to bypass multi-factor authentication, OTP verification, account lockout mechanisms, or any rate limiting imposed by the Platform.
- (d) Access accounts without authorisation. Logging into, accessing, or attempting to access any account other than your own, or sharing your credentials in a way that enables another person to access your account.
- (e) Attack or probe the Platform. Conducting unauthorised penetration testing, vulnerability scanning, fuzzing, denial-of-service attacks, or any action intended to disrupt, degrade, or compromise the availability or integrity of the Platform or its infrastructure.
- (f) Extract data without authorisation. Scraping, crawling, or extracting data from the Platform beyond what is displayed in the normal course of your own account use, or attempting to access other borrowers' financial data.
- (g) Use loan funds for illegal purposes. Using a loan disbursed through the Platform to fund illegal activity, including money laundering, financing of terrorist or criminal organisations, or any activity prohibited under Papua New Guinea law.
- (h) Harass or threaten staff. Sending abusive, threatening, or harassing communications to Pakimu staff or other platform users via any channel.
- (i) Introduce malicious code. Uploading or transmitting viruses, malware, spyware, or any other code designed to harm, alter, or surveil systems or users.
- (j) Violate any applicable law. Using the Platform in a manner that violates any law or regulation applicable in Papua New Guinea or any other jurisdiction in which you operate.
3. Data Handling by Users
If you are granted administrative access to the Platform (e.g., as a TENANT_ADMIN or OPERATOR), you are additionally required to:
- (a) access only the data necessary to perform your authorised role;
- (b) not export, copy, or transmit borrower personal data outside the Platform without explicit authorisation from Pakimu and, where required, the borrower's consent;
- (c) not retain borrower data on personal devices or in unapproved storage systems;
- (d) report any suspected data breach, accidental disclosure, or unauthorised access to hi@wantekpng.com immediately.
All administrative actions are logged in the audit trail. Data exports and unusual access patterns are reviewed regularly.
4. Reporting Violations
If you become aware of a suspected violation of this AUP — including a security vulnerability, suspected fraud, or misuse of the Platform — please report it promptly to hi@wantekpng.com.
We treat all reports in confidence and will not retaliate against good-faith reporters. Security researchers who discover and responsibly disclose vulnerabilities to us without exploiting them will not be subject to enforcement action under this AUP.
5. Enforcement
Pakimu reserves the right to investigate suspected violations of this AUP. Depending on the severity of the violation, enforcement actions may include:
- (a) a written warning;
- (b) temporary suspension of platform access;
- (c) permanent termination of your account;
- (d) acceleration of any outstanding loan obligations;
- (e) referral of evidence to the Royal Papua New Guinea Constabulary or other relevant authorities.
We will provide notice of enforcement action where legally permissible to do so.
6. Amendments
We may update this AUP from time to time. Material changes will be communicated to you by email and displayed on the Platform. Continued use of the Platform after the effective date of an updated AUP constitutes acceptance of the revised terms.
7. Contact
Pakimu Investment Limited T/A WanPaus Microfinance
Email: hi@wantekpng.com
Papua New Guinea