INTRODUCTION

At Raiz Digital Services Limited (“Raiz”, the “Company”, “Our,” “We” or “Us”), we are committed to providing responsible and accessible financial services to our clients.

Our credit and lending policy ensures that all lending activities are conducted with transparency, fairness, and in compliance with regulatory standards.

Please read these Credit/Lending Policy carefully before accessing or using the Platform, services or products. We reserve the right to change, modify, add, or remove portions of this GTC at any time. Please check these Terms periodically for changes. If you have any questions about these Terms, please contact us via email at info@raiz.app.

ELIGIBILITY CRITERIA

Age Requirement: Applicants must be at least 18 years old.

Identification: Valid government-issued identification is required.

Income Verification: Proof of a stable and sufficient income is necessary to demonstrate the ability to repay the loan.

Credit History: A review of the applicant’s credit history will be conducted. However, we may offer products to individuals with varied credit profiles.

INTEREST RATES AND FEES

Interest rates are determined based on the applicant’s credit profile, loan amount, and tenure.

Additional fees may apply, including origination fees, late payment penalties, and early repayment charges.

APPLICATION PROCESS

Application Submission: Complete the online application form with the required details.

Documentation: Provide necessary documents such as identification, proof of income, and other relevant financial information.

Credit Assessment: Our team will assess your application based on the provided information and your credit history.

Approval & Disbursement: Upon approval, the loan amount will be disbursed to your account promptly.

INTEREST RATES AND FEES

Interest rates are determined based on the applicant’s credit profile, loan amount, and tenure.

Additional fees may apply, including origination fees, late payment penalties, and early repayment charges.

REPAYMENT TERMS

You may choose any of the repayment terms that best suites you.

• Flexible Tenure: Choose a repayment period that suits your financial situation.

• Monthly Installments: Repay your loan in fixed monthly installments.

• Early Repayment: Pay off your loan early without penalty, subject to certain conditions.

RESPONSIBLE LENDING

Raiz Finance is committed to promoting responsible lending practices. We assess each application thoroughly to ensure that loans are only granted to individuals who have the capacity to repay.

We also provide financial education resources to help our clients make informed borrowing decisions.

DATA PRIVACY AND CONFIDENTIALITY

We respect your privacy and ensure that all personal and financial information is handled with the utmost confidentiality. Our data protection practices comply with relevant legal requirements.

CONTACT INFORMATION

For any inquiries or support regarding our credit and lending services, please contact our customer service team at info@raiz.app.