1. Introduction

Welcome to Loanify ("we," "our," or "us"). These Terms of Use ("Terms") govern your access to and use of our website located at www.loanify.ie (the "Website") and our online lending services (the "Services"). By accessing or using our Website or Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Website or Services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a resident of Ireland
• Have a valid bank account in Ireland
• Provide accurate and complete information during the application process
• Have the legal capacity to enter into a binding agreement

3. Loan Application Process

When you apply for a loan through our platform:

• You agree to provide truthful, accurate, and complete information
• You authorize us to verify the information you provide, including conducting credit checks
• You understand that loan approval is subject to our assessment and is not guaranteed
• You acknowledge that interest rates and terms are determined based on your creditworthiness and other factors
• You agree to review and accept the loan agreement before funds are disbursed

4. Interest Rates and Fees

Our interest rates and fees are clearly disclosed in your loan agreement. Annual Percentage Rates (APR) may vary based on:

• Your credit history and credit score
• The loan amount requested
• The repayment term selected
• Other risk factors as determined by our assessment

All fees, including origination fees, late payment fees, and any other charges, will be clearly disclosed in your loan agreement before you accept it.

5. Repayment Obligations

You are responsible for:

• Making all loan payments on time and in full as specified in your loan agreement
• Ensuring sufficient funds are available in your bank account for scheduled payments
• Notifying us immediately if you are unable to make a payment
• Understanding that late payments may result in additional fees and may negatively impact your credit score

6. Right of Withdrawal

Under Irish and EU consumer protection laws, you have the right to withdraw from your loan agreement within 14 days of receiving the loan funds, without providing any reason. If you exercise this right, you must repay the principal amount and any accrued interest within 30 days.

7. Credit Checks and Reporting

By applying for a loan, you consent to:

• Credit checks being performed by us and our partners
• Your payment history being reported to credit reference agencies
• Information sharing with credit bureaus as required by law

8. Website Use

You agree to use our Website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Website or Services
• Use automated systems to access the Website without our permission
• Reproduce, duplicate, or copy any content from the Website without authorization

9. Intellectual Property

All content on this Website, including text, graphics, logos, images, and software, is the property of Loanify or its licensors and is protected by Irish and international copyright laws. You may not use, reproduce, or distribute any content from this Website without our prior written consent.

10. Limitation of Liability

To the maximum extent permitted by law, Loanify shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Website or Services. Our total liability shall not exceed the amount of fees you have paid to us in the 12 months preceding the claim.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our Website. Your continued use of the Website or Services after such changes constitutes your acceptance of the modified Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of Ireland. Any disputes arising from these Terms or your use of our Services shall be subject to the exclusive jurisdiction of the Irish courts.

13. Contact Information

If you have any questions about these Terms, please contact us at:

Loanify
Ireland
Email: info@loanify.ie