Welcome to our Education Loan Platform (“the Platform”). Please read this User Agreement carefully before using our services. By registering, logging in, or using our services, you acknowledge that you have read, understood, and agree to be bound by the terms of this Agreement.
1. Service Description
The Platform provides users with education-related loan services, including consultation, application processing, application status tracking, and repayment reminders. Some loan products are offered by partnered financial institutions, with the Platform serving solely as a facilitator.
2. Eligibility
- You must be at least 18 years old and possess full legal capacity to enter into binding agreements.
- All information provided must be true, legal, and valid. You shall bear any consequences arising from the submission of false information.
3. Account and Security
- Upon registering, you are responsible for maintaining the confidentiality of your login credentials. You must not lend, transfer, or share your account with others.
- If you suspect unauthorized use of your account or any other security breach, you must notify the Platform immediately.
4. Privacy Protection
We are committed to protecting your personal information in accordance with our Privacy Policy. Unless required by law or authorized by you, your information will not be disclosed to third parties.
5. Loan Application and Approval
- When applying for a loan through the Platform, users must provide accurate and complete information.
- The Platform does not guarantee loan approval. Final decisions rest with the lending institutions based on their internal policies.
6. User Obligations
- You agree not to use the Platform for any unlawful activities or to infringe upon the rights of others.
- You are responsible for repaying your loans on time. Late payments may result in penalties and impact your credit record.
7. Platform Rights and Disclaimers
- The Platform reserves the right to modify, suspend, or terminate all or part of its services.
- The Platform shall not be held liable for any loss or damage resulting from user error, network issues, or force majeure events.
8. Intellectual Property
All content on the Platform, including but not limited to text, images, logos, interface design, and software, is protected by intellectual property laws. Unauthorized reproduction or commercial use is prohibited.
9. Amendments to the Agreement
The Platform may revise this Agreement at any time to comply with laws or operational needs. The revised version will become effective upon publication. If you disagree with the updated terms, you must stop using the Platform immediately.
10. Governing Law and Dispute Resolution
This Agreement shall be governed by the laws of the People's Republic of China. Any disputes arising from this Agreement shall be resolved through amicable negotiation. If negotiation fails, the dispute shall be submitted to the People's Court where the Platform is located.
If you have any questions about this Agreement, please contact our customer support through the Platform.
Thank you for choosing our Education Loan Platform!