TERMS AND CONDITIONS
Our Terms
These Terms & Conditions of Use («Terms») outline the conditions under which you («User») may use our website, PH-Loans («Website»). Use of the Website includes, but is not limited to, browsing, submitting personal information, or applying for financial services.
We encourage you to carefully review these Terms before using the Website. By accessing or using the Website, you confirm that you accept these Terms and agree to abide by them. If you do not agree, you should discontinue use of the Website immediately.
For details on how we handle personal data, please refer to our Privacy Policy. Information about our use of cookies can be found in our Cookies Policy. These policies are incorporated into this document by reference.
Our Company
PH-Loans is a website operated by LLP Perfomans Kz, registered in the Republic of Kazakhstan under Business Identification Number 210440026010. Our registered address is:
Almaty, Nursultan Nazarbayev Ave. 113/55, P.P. 40, Postal code 050000
PH-Loans is not a financial institution, bank, or lender. It functions as an intermediary, connecting users with licensed financial institutions that offer loans. PH-Loans does not provide loans or make credit decisions.
Our Services
PH-Loans is an online loan matching platform that connects individuals seeking loans with third-party lenders and financial service providers.
By submitting an application through the Website, you consent to having your application matched with one or more lenders from our network. If a lender expresses interest in your application, you will be redirected to their website or provided with their contact details.
PH-Loans does not directly offer loans or financing. It does not influence lenders’ decisions or loan terms and is not responsible for loan approvals or rejections.
The final decision on whether to offer a loan and the terms of that loan are at the sole discretion of the lender. Users are encouraged to carefully review the terms and conditions of any lender before agreeing to a loan.
Any loan amounts, interest rates, or repayment terms displayed on the Website are for illustrative purposes only and do not guarantee actual loan offers. Lenders may conduct credit and background checks before approving or rejecting an application.
Website Access and Use
Access to the Website is granted on a temporary basis. PH-Loans reserves the right to modify or withdraw its services at any time without prior notice.
Users may only use the Website for lawful purposes. The following activities are prohibited:
- Violating any applicable laws or regulations
- Submitting false, misleading, or fraudulent information
- Attempting to gain unauthorized access to the Website’s systems
- Transmitting harmful software such as viruses or malware
- Using automated tools (bots, scrapers) to collect Website data
Information Accuracy and Updates
PH-Loans strives to provide accurate and up-to-date information. However, it does not guarantee that all information is error-free, comprehensive, or current. The Website content may be modified or removed at any time without notice.
External Links
The Website may contain links to third-party websites. These links are provided for informational purposes only. PH-Loans does not endorse or take responsibility for the content, privacy policies, or security of third-party sites.
Intellectual Property Rights
All content on the Website, including text, graphics, logos, and software, is the property of LLP Perfomans Kz or its licensors. Users may download and print Website materials for personal use only. Modification, distribution, or commercial use of Website content without permission is prohibited.
Liability Disclaimer
To the fullest extent permitted by law:
- PH-Loans disclaims any liability for loss, damages, or inconveniences resulting from the use of the Website or services.
- PH-Loans does not guarantee that any lender will approve a loan application.
- PH-Loans is not responsible for any agreements between users and third-party lenders.
Users acknowledge that PH-Loans is not liable for any financial or legal consequences related to loan applications or agreements.
Customer Checks and Compliance
Lenders may perform credit and fraud prevention checks before offering a loan. By applying, users consent to such checks and confirm that all information provided is accurate. Providing false or misleading information may result in legal action.
If a loan application is submitted jointly with another person, both applicants agree to be bound by these Terms. Communications regarding joint applications will be assumed to be addressed to both parties.
Communication
By using the Website, users agree that PH-Loans may contact them via phone, email, SMS, or automated messages regarding their loan application and other related services.
Jurisdiction and Governing Law
These Terms are governed by the laws of the Republic of Kazakhstan. Any disputes related to the Website or services will be subject to the exclusive jurisdiction of the courts in Kazakhstan.
Removing Personal Information
Users who wish to request the removal of their personal data from PH-Loans may contact support@ph-loans.store.
Complaints
PH-Loans aims to provide excellent service. Complaints can be submitted via email at complaints@ph-loans.store.
By continuing to use the Website, users confirm that they have read, understood, and agreed to these Terms and Conditions.