Legal Agreement

Terms & Conditions

Last Updated: June 15, 2026

Table of Contents

Your electronic submission carries the same legal weight as a handwritten signature.

All submissions are IP-tracked for compliance. Accurate information is required.

1

Acceptance of Terms

By creating an account and submitting a loan application through Commercial Loan App, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our services.

2

Eligibility

To apply for a commercial loan, you must:

  • Be at least 18 years of age
  • Have legal capacity to enter into a binding contract
  • Provide accurate and complete information
  • Have a valid email address and mobile phone number
3

Account Registration

3.1 Account Creation

When you create an account, you must provide accurate information. Each email address and mobile phone number can only be associated with one account.

3.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your password
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized access
4

Application Process

4.1 Information Accuracy

You warrant that all information provided in your loan application is true, accurate, and complete. Providing false or misleading information may result in:

  • Immediate rejection of your application
  • Termination of your account
  • Legal action for fraud

4.2 IP Address Tracking

All submissions, updates, and interactions are tracked with your IP address for security, compliance, and audit purposes. This tracking is mandatory and cannot be disabled.

4.3 Credit Checks

By submitting your application, you authorize us to:

  • Conduct credit checks with credit reporting agencies
  • Verify your employment and income information
  • Contact third parties to verify the information you provided
5

Application Review

5.1 No Guarantee of Approval

Submitting an application does not guarantee approval. We reserve the right to approve or decline any application at our sole discretion.

5.2 Additional Information

We may request additional information or documentation at any time during the review process. Failure to provide requested information may result in application rejection.

6

Communication

6.1 Email and SMS

By creating an account, you consent to receive:

  • Application status updates via email and SMS
  • Requests for additional information
  • Important notices about your application
  • Service-related communications

6.2 Communication Logging

All email and SMS communications are logged and stored for compliance and quality assurance purposes.

7

Document Upload

When uploading documents, you confirm that:

  • You have the right to share the documents
  • The documents are authentic and unaltered
  • The information in the documents is current and accurate
8

Living Expenses Verification

You understand that:

  • The living expenses you declare will be reviewed by our assessors
  • We may verify these expenses through various means
  • Discrepancies may affect your application outcome
9

Data Security and Privacy

Our use of your personal information is governed by our Privacy Policy. We implement security measures including:

  • Encrypted data storage and transmission
  • Role-based access controls
  • Regular security audits
  • Complete activity logging with IP tracking
10

Intellectual Property

All content, features, and functionality of our platform are owned by Commercial Loan App and are protected by copyright, trademark, and other intellectual property laws.

11

Prohibited Activities

You agree not to:

  • Provide false or misleading information
  • Create multiple accounts with the same email or phone number
  • Attempt to circumvent security measures
  • Use the platform for any illegal purpose
  • Interfere with the proper functioning of the platform
12

Electronic Signatures

By submitting your application, you agree that your electronic signature and IP-tracked consent have the same legal effect as a handwritten signature.

13

Limitation of Liability

To the maximum extent permitted by law, Commercial Loan App shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services.

14

Termination

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, for any reason, including violation of these Terms.

15

Changes to Terms

We may modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the modified Terms.

16

Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

17

Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through [arbitration/mediation/court] in [Your Jurisdiction].

18

Contact Information

For questions about these Terms and Conditions, please contact us:

Address

[Your Company Address]

Important: By clicking "Create Account & Start Application," you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

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