Terms of Service

These Terms of Service ("Terms") govern your access to and use of WiLoan's services, including our website, mobile applications, and other online products and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

1. Using WiLoan

1.1 Eligibility

To use the Services, you must:

• Be at least 18 years of age
• Be a legal resident of Trinidad and Tobago or other authorized Caribbean territories where we operate
• Have a valid government-issued identification
• Have the legal capacity to enter into a binding contract
• Agree to these Terms and our Privacy Policy

1.2 Account Creation

When you create a WiLoan account, you must provide accurate and complete information. You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify WiLoan immediately of any unauthorized use of your account.

2. Financial Products and Services

2.1 Loan Applications

When you apply for a loan or other financial product through our Services:

• You authorize us to obtain credit reports and other information about you from credit bureaus and other sources
• You certify that all information provided is true, accurate, and complete
• You acknowledge that providing false information may result in rejection of your application and/or legal consequences
• You understand that approval is subject to our credit criteria and other requirements

2.2 Loan Terms

All loans and financial products are subject to separate loan agreements that contain specific terms, conditions, fees, interest rates, and repayment obligations. Those agreements, not these Terms, govern the specific financial relationship between you and WiLoan.

3. User Responsibilities

When using our Services, you agree to:

• Comply with all applicable laws and regulations
• Maintain the security of your account credentials
• Notify us promptly of any unauthorized access or security breaches
• Keep your contact and financial information up to date
• Not use the Services for any fraudulent or illegal purpose
• Not attempt to circumvent any security features of the Services
• Not interfere with the proper operation of the Services

4. Intellectual Property Rights

The Services and all content, features, and functionality thereof, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations, and software, are owned by WiLoan, its licensors, or other providers and are protected by copyright, trademark, patent, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes.

5. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and without prior notice. Reasons for termination may include, but are not limited to:

• Violation of these Terms
• Providing false or misleading information
• Engagement in fraudulent or illegal activities
• Failure to pay amounts owed to WiLoan
• Use of the Services in a manner that imposes an unreasonable load on our infrastructure

6. Disclaimers and Limitations of Liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WILOAN DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WILOAN WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WILOAN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

7. Dispute Resolution

Any dispute arising from or relating to these Terms or the Services shall be governed by the laws of Trinidad and Tobago without regard to its conflict of law provisions. You agree that any legal action or proceeding between you and WiLoan shall be brought exclusively in the courts located in Trinidad and Tobago.

8. Changes to Terms

We may modify these Terms at any time by posting the revised Terms on our website or through our Services. Your continued use of the Services after any such changes constitutes your acceptance of the revised Terms.

9. Contact Information

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

See also our Privacy Policy.