Terms of Use

To be eligible to use our Services, you must:

• Be at least 18 years old
• Be a legal resident of the country where our Services are offered
• Have a valid government-issued identification
• Have a valid bank account
• Meet our credit and underwriting requirements
• Provide accurate and complete information during the application process
• Not be on any list of restricted individuals or entities

We reserve the right to refuse service to anyone for any reason at any time.

By using our Services, you represent and warrant that you meet all of the eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services.

We may require you to provide proof of identity, address, income, or other information to verify your eligibility. Failure to provide requested information may result in denial of access to our Services or termination of your account.

If we discover that you do not meet the eligibility requirements after you have created an account, we reserve the right to suspend or terminate your account immediately and without notice.

To use certain features of our Services, you may need to create an account. When registering for an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to:

• Create a strong password and keep it confidential
• Notify us immediately of any unauthorized use of your account
• Ensure that you log out of your account at the end of each session
• Take responsibility for all activities that occur under your account
• Update your account information promptly if any changes occur
• Not share your account credentials with any third party
• Not create more than one account per person

We reserve the right to suspend or terminate your account if any information provided is inaccurate, outdated, or incomplete.

Your account is personal to you and may not be transferred, assigned, or used by anyone else. If you are creating an account on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms of Use.

We may send you important notifications regarding your account or our Services via email or through in-app notifications. It is your responsibility to monitor these communications and respond as necessary.

Accounts that remain inactive for an extended period may be subject to termination. We will provide notice before terminating an inactive account.

Pharaoh Finance Private and Fast Loans provides a platform that connects borrowers with loan products. Our Services include:

• Loan application processing
• Credit assessment
• Loan management
• Document management
• Payment processing

The availability of specific loan products and services may vary based on your location, credit profile, and other factors. We do not guarantee approval for any loan application.

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without notice.

By accepting a loan through our Services, you agree to repay the loan according to the terms specified in your loan agreement. You authorize us to initiate electronic debits from your designated bank account for loan repayments.

You are responsible for:

• Ensuring sufficient funds in your account on the payment due date
• Paying any late fees or penalties for missed or late payments
• Updating your payment information if it changes

All fees and interest rates will be disclosed in your loan agreement before you accept the loan.

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, are the exclusive property of LendSwift or our licensors and are protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute any content from our Services
• Use any content for commercial purposes without our permission
• Reverse engineer or decompile any part of our Services
• Remove any copyright, trademark, or other proprietary notices

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Submit false or misleading information
• Engage in fraudulent activities
• Interfere with the operation of our Services
• Attempt to gain unauthorized access to our systems
• Transmit viruses or other harmful code
• Harass, threaten, or intimidate others

We reserve the right to investigate and take appropriate legal action against anyone who violates these provisions.

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that:

• Our Services will meet your requirements
• Our Services will be uninterrupted, timely, secure, or error-free
• The results obtained from using our Services will be accurate or reliable
• Any errors in our Services will be corrected

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PHARAOH FINANCE PRIVATE AND FAST LOANS, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE OUR SERVICES.

Our liability to you for any cause whatsoever and regardless of the form of the action will at all times be limited to the amount paid, if any, by you to us for the Services during the term of your use of the Services.

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason, including but not limited to a breach of these Terms of Use.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or contact us to request account deletion.

All provisions of these Terms of Use that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We reserve the right to modify these Terms of Use at any time. We will notify you of any changes by posting the new Terms of Use on this page and updating the "Last Updated" date.

Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Use. If you do not agree to the revised terms, please stop using our Services.

It is your responsibility to review these Terms of Use periodically for changes.

These Terms of Use shall be governed by and construed in accordance with the laws of the jurisdiction in which LendSwift is established, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms of Use or your use of the Services shall be subject to the exclusive jurisdiction of the courts in that jurisdiction.

If any provision of these Terms of Use is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.

Our failure to enforce any right or provision of these Terms of Use shall not be considered a waiver of those rights.