Last Updated: March 2025 Welcome to PinjamGo. By accessing or using our website and services, you agree to comply with and be bound by the following Terms of Use. Please read these terms carefully before using our platform. 1. Acceptance of Terms By using PinjamGo, you confirm that you are at least 18 years old and legally capable of entering into binding agreements under applicable laws and regulations. If you do not agree with these Terms of Use, please do not use our website or services. 2. Our Services PinjamGo provides users with access to loan-related information, financial consultation support, and application assistance services. We do not directly issue loans. Loan approvals, repayment terms, and financing decisions are subject to the policies and requirements of our financial partners and institutions. 3. User Responsibilities By using our services, you agree that: All information submitted is accurate and complete. You will not provide false, misleading, or fraudulent information. You will use the platform only for lawful purposes. You are responsible for maintaining the confidentiality of your personal information and communication. 4. Loan Approval Disclaimer Loan approval is not guaranteed. Approval results depend on several factors, including but not limited to: Credit assessment Income verification Existing financial commitments Eligibility requirements from financial institutions PinjamGo does not guarantee approval amounts, repayment terms, or approval timelines. 5. Privacy & Data Protection Your personal information will be handled securely and responsibly. By using our services, you consent to the collection and processing of your information for: Loan application processing Customer support Verification purposes Communication regarding your application Please refer to our Privacy Policy for more information. 6. Intellectual Property All website content, logos, branding, text, graphics, and materials displayed on PinjamGo are the property of PinjamGo unless otherwise stated. You may not reproduce, distribute, or use any content without written permission. 7. Limitation of Liability PinjamGo shall not be held liable for: Loan rejection decisions Financial losses Delays caused by third-party financial institutions Technical interruptions or website downtime Unauthorized access caused by user negligence Users access and use the platform at their own risk. 8. Third-Party Services Our platform may contain links or integrations with third-party services or financial institutions. We are not responsible for the content, terms, or privacy practices of third-party providers. 9. Modifications to Terms PinjamGo reserves the right to update or modify these Terms of Use at any time without prior notice. Continued use of the website after changes are published constitutes acceptance of the updated terms. 10. Contact Information If you have any questions regarding these Terms of Use, please contact us: Email: support@pinjamgo.com 11. Governing Law These Terms of Use shall be governed and interpreted in accordance with the laws and regulations applicable in Malaysia.