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Welcome to Consumer Bureau Limited ("we," "our," "us"). These Terms and Conditions govern the access and use of our website, https://assetloangh.com ("the website"), and the services provided through our platform, including the facilitation of asset loans in partnership with our bank partners. By using our website, you agree to comply with and be bound by these Terms and Conditions. This agreement sets out the legally binding terms for the services we provide. Please review these Terms and Conditions carefully. If you do not agree with any part of the Terms and Conditions, you must not access or use our services. The effective date of these Terms and Conditions is January 1, 2024. From this date, they apply to all users and clients accessing or using our website and services.
For the purpose of clarity and better understanding, the following terms shall have the meanings ascribed to them in this document: “Consumer Bureau Limited” refers to our company, registered under the laws of the Republic of Ghana, which operates the platform available at https://assetloangh.com. “Website” refers to the domain https://assetloangh.com and any related subdomains or applications managed by Consumer Bureau Limited. “Platform” refers to the online interface where customers of bank partners can apply for asset loans by selecting products and submitting relevant loan applications. “Bank Partner” refers to the financial institutions that collaborate with Consumer Bureau Limited to provide asset loans to their customers through our platform. “Customer” refers to any individual who accesses the platform to apply for a loan, which includes both existing bank customers and new individuals intending to apply for an asset loan. “Product” refers to the items or goods that customers can select and apply for financing via an asset loan, facilitated by our platform and bank partners. “Loan Application” refers to the process undertaken by customers on the platform to apply for an asset loan for the purpose of purchasing products. “Installments” refers to the agreed-upon periodic payments which include principal (product price + transport), insurance, commitment fees, and interest, that a customer must repay as part of the loan terms. “Vendor” refers to third-party suppliers from whom Consumer Bureau Limited purchases the products once a loan application is approved by the bank partner. “User” refers to any individual or entity accessing the website, regardless of whether they are a customer, vendor, or third-party affiliate.
Access to and use of the platform at https://assetloangh.com is subject to specific eligibility requirements and restrictions. By using our platform, you confirm that you meet these criteria: Eligibility for Platform Use: The platform is exclusively available for customers of our bank partners. This includes existing customers who hold accounts with the partner banks as well as new individuals who wish to become customers of the banks to apply for asset loans. Age Restrictions: You must be at least 18 years old or the legal age of majority in your jurisdiction to apply for asset loans or use the services offered through the platform. By submitting a loan application, you represent and warrant that you meet this requirement. Location Restrictions: The platform is accessible only to customers who reside within the operational regions or locations of our bank partners. Availability of products, loan offerings, and services may vary depending on the geographic area in which the bank operates. Bank Account Requirement: To apply for an asset loan, you must have an active account with one of our bank partners, either as a Salaried Customer or Savings Customer, or you must be eligible to open an account to facilitate the loan. Applications from individuals without a valid bank account with the bank partner will not be processed. Prohibited Uses: Users may not access or use the platform for any illegal or unauthorized purposes. This includes, but is not limited to, submitting fraudulent loan applications, misrepresenting financial or personal information, or using the platform to engage in activities that violate local or international laws or regulations.
The services provided by Consumer Bureau Limited through the platform at https://assetloangh.com are designed to facilitate the application, processing, and management of asset loans in collaboration with our bank partners. The platform serves as an intermediary between the bank, the customer, and product vendors, ensuring a smooth process for loan applications and product purchases.
The platform allows customers of the bank partners to browse and select products for purchase using an asset loan. Customers can search, compare, and choose the products they want and submit a loan application for financing the purchase. Upon submission of a loan application, the customer can review available installment options, which include the principal (product price + transport), insurance, commitment fees, and interest. The platform provides a transparent view of different installment durations and the corresponding payment amounts. Once the application is submitted, customers can track the status of their loan application through the platform by using their application number.
The responsibility for reviewing and approving asset loan applications lies solely with the bank partner. Consumer Bureau Limited does not evaluate or determine the creditworthiness of customers or approve loans. Upon approval of a loan application, the bank partner credits Consumer Bureau Limited's bank account with the product price and transport fees. The platform notifies the customer of the approval status and coordinates the next steps for product procurement and delivery.
Consumer Bureau Limited manages the product inventory, pricing, and availability on the platform. We work directly with third-party vendors to ensure that the products displayed are available for purchase. Once a loan application is approved, Consumer Bureau Limited procures the product from the vendor, arranges transportation based on the bank branch distance, and delivers the product to the designated bank branch for customer pickup.
The platform’s scope is limited to facilitating the loan application process and product delivery. Loan repayment and ongoing customer interactions regarding loan servicing are managed directly by the bank partners. Consumer Bureau Limited does not handle any repayments or installment collections from customers.
The loan application process on the https://assetloangh.com platform is designed to provide a seamless experience for customers applying for asset loans. Below are the key steps involved in submitting an asset loan application:
Visit the Platform: Customers access the platform via https://assetloangh.com. Select Locality: Customers first select their locality to filter product availability and relevant bank branches. Browse and Compare Products: Customers can search, compare, and select products from the available inventory managed by Consumer Bureau Limited. The platform provides detailed descriptions and pricing for each product. Select Bank and Branch: After choosing a product, customers must select the bank partner and branch where they would like to apply for the loan and collect their product. View Installment Options: The platform displays available installment plans, including different durations (e.g., 3 months, 6 months, 9 months) along with the corresponding installment amounts. The installment amount is inclusive of the principal (product price + transport), insurance, commitment fee, and interest. Submit Loan Application: Customers submit their loan application by providing personal, financial, collateral, and employment information. The platform will prompt users to upload any required documents, such as bank statements, identity proof, and signature. Track Application Status: After submitting the application, customers can track the status using their unique application number. The platform provides real-time updates on whether the loan is under review, approved, or requires additional information.
Customers are required to submit the following information to complete a loan application: Personal Information: Name, contact details, address, ID proof, date of birth, gender, marital status, and next of kin details. Financial Information: Bank account details, existing loan information, income and expense details, and assets offered as collateral. Employment Information: Employment details, including employer name, address, and contact details. Required Documents: Bank statements and customer signature for verification purposes.
All loan applications are sent to the bank partner selected by the customer for review. Consumer Bureau Limited does not participate in the review or approval process. The bank partner is responsible for verifying the customer's eligibility, creditworthiness, and compliance with the bank’s loan policies. Once approved, the bank partner notifies both the customer and Consumer Bureau Limited. The bank then credits Consumer Bureau Limited's account with the product price and transport fees, after which the product procurement and delivery process is initiated.
To be eligible for applying for an asset loan through the platform, customers must meet one of the following conditions: Salaried Customer: The customer should have a salary account with the bank partner and receive regular salary deposits into that account. Savings Customer: The customer should have a savings account with sufficient balance to secure the asset loan. Individual Applicant: Any individual who can meet the above criteria by opening a new account with the bank partner. The platform serves only eligible customers of the bank partners, and individuals who do not meet the eligibility requirements will be unable to proceed with the loan application.
The pricing and fee structure associated with asset loans and product purchases on the platform is transparent, with all costs clearly outlined before the customer submits a loan application. Below are the key components of the pricing and fees:
The installment amount displayed to customers is a combination of several elements, all of which are determined by the bank partner. Customers can view and select from various installment durations (e.g., 3 months, 6 months, 9 months) based on their preferences and financial capacity. Each installment amount consists of the following components: Principal: This includes the product price and the transport cost to deliver the product to the selected bank branch. Insurance: This fee is controlled and managed by the bank partner and is included to cover the product’s insurance throughout the loan period. Commitment Fee: A non-refundable fee charged by the bank partner as part of the loan agreement. Interest: The interest rate applied to the loan, determined by the bank partner, which varies depending on the loan duration and other factors.
This fee is charged by Consumer Bureau Limited for delivering the purchased product to the bank branch where the customer will collect it. The transport fee varies depending on the distance between the product vendor and the bank branch.
The platform does not handle any customer payments directly. Customers do not make any payments during the loan application process or on the platform itself. All loan-related payments, including installment payments, are managed directly between the customer and the bank partner.
Before submitting a loan application, customers are fully informed of all applicable charges, including transport fees, insurance, commitment fees, and interest rates. These charges are displayed transparently on the checkout page, allowing customers to understand the total cost of the loan and the corresponding installment amounts.
At Consumer Bureau Limited, we manage the procurement and delivery of products purchased through asset loans applied for on the https://assetloangh.com platform. Below is an overview of our product delivery policies:
Once a customer’s loan application is approved by the bank partner, Consumer Bureau Limited purchases the selected product from our third-party vendors and arranges for its delivery to the designated bank branch chosen by the customer during the loan application process. The customer is responsible for picking up the product from the bank branch. Neither Consumer Bureau Limited nor the bank partner provides home delivery or shipping directly to the customer’s residence.
We strive to deliver the product to the designated bank branch within a maximum of 5 working days from the date of loan approval and receipt of funds from the bank partner. Delivery times may vary depending on the distance between the vendor and the selected bank branch. However, we ensure that all deliveries are completed within the agreed-upon 5 working days timeframe.
Upon notification that the product has been delivered to the bank branch, it is the customer’s responsibility to visit the branch to collect the product. The bank will provide the necessary instructions and details for collection. Consumer Bureau Limited is not responsible for any delays or issues arising from the customer’s failure to collect the product within the specified time after it has been delivered to the branch.
Please note that home delivery is not part of the services offered by the platform or the bank partner. All products must be collected from the bank branch where the loan application was processed.
Our returns, refunds, and exchange policy ensures that customers are protected in cases where the product is defective or unsuitable. However, due to the nature of the asset loan process and third- party vendor involvement, certain restrictions apply.
Consumer Bureau Limited does not offer direct refunds to customers. If a customer wishes to return a product due to quality or other valid concerns, we initiate a return with the vendor partner. Upon receipt and approval of the returned product by the vendor, we process the refund to the bank partner. Once the bank receives the refunded amount, they will cancel the customer’s asset loan and close the transaction. Customers will not receive direct refunds, as all financial transactions related to the loan are handled by the bank partner.
Customers may return a product only in cases of manufacturing defects. The return must be initiated within 5 days of the customer collecting the product from the bank branch. After the customer submits a return request, Consumer Bureau Limited will coordinate with the vendor to facilitate the return. The vendor will inspect the product to verify the defect. Once confirmed, the product will be returned to the vendor, and the refund will be processed to the bank partner, as mentioned earlier.
Replacements or exchanges are offered only in cases of manufacturing defects. If a defect is reported within the 5-day period following product collection, the customer can request a replacement. The replacement process will follow the same delivery policy as the original product. The defective product will be collected from the bank branch within 5 working days, and the replacement product will be delivered to the same branch within an additional 5 working days. Replacements and exchanges are not available for any reason other than verified defects. For non-defective issues, customers must rely on the product’s warranty terms as offered by the manufacturer.
Returns and replacements must be initiated within 5 days of the customer’s receipt of the product. After this period, any issues with the product will be addressed through the manufacturer’s warranty terms. Consumer Bureau Limited is not responsible for handling any product defects, repairs, or replacements after the 5-day return period, and customers must deal directly with the manufacturer or vendor through the warranty process.
After the 5-day return window, all product issues will be resolved through the product’s warranty. However, Consumer Bureau Limited will act as the point of contact for warranty claims and services on behalf of customers. Customers must send the defective product to Consumer Bureau Limited through their bank branch, and we will manage all interactions with the vendor or manufacturer to resolve the issue. This includes facilitating product repairs, replacements, or other warranty-related services. Once the vendor resolves the issue, the repaired or replaced product will be returned to the bank branch for the customer’s collection.
At Consumer Bureau Limited, we prioritize simplicity and convenience in using our platform. Therefore, there is no mandatory requirement for users to create personal accounts on the https://assetloangh.com platform. Below are the key details related to user accounts and the information collected during the loan application process:
Customers are not required to create an account on the platform to browse products or apply for asset loans. The platform is designed to allow users to access its services without the need for account registration. Instead of requiring an account, customers can submit loan applications by simply providing the necessary information during the application process. This approach ensures a straightforward and user-friendly experience.
Although account creation is not necessary, certain information is collected from customers as part of the loan application process. This information is essential for processing the loan application and fulfilling regulatory and operational requirements. The following information is collected during the loan application process: Personal Information: Name, contact details (email, phone number), physical address, date of birth, gender, marital status, nationality, next of kin details, and identification documents (e.g., ID proof, passport). Financial Information: Bank account details, existing loan or credit obligations, income and expenditure details, and assets offered as collateral. Employment Information: Job title, employer details, length of employment, and employer contact details. Documents: Supporting documentation such as bank statements, ID proofs, and customer signatures are required to verify the information provided and assess loan eligibility. All information provided during the loan application is stored securely in compliance with our data protection policies and applicable laws.
As there are no user accounts created on the platform, there are no specific rules regarding password management or account termination. Customers will, however, receive an application number after submitting a loan application, which they can use to track the status of their application through the platform. It is the customer’s responsibility to retain this application number for future reference.
Although no user accounts are created, all personal, financial, and employment information provided during the loan application process is protected in accordance with our privacy policy. We ensure the confidentiality and security of the data collected, and this information is used solely for the purposes of processing the loan application.
The https://assetloangh.com platform facilitates the loan application process but does not handle direct payments from customers. Below are the key details regarding payments, pricing, and any associated charges:
The platform does not facilitate direct payments for products or services. All financial transactions related to the asset loan, including loan repayment, are handled directly between the bank partner and the customer. Customers do not make any payments at the time of submitting a loan application on the platform. Instead, all charges related to the loan (such as installment amounts) are communicated transparently, but the actual payments occur between the customer and the bank partner after loan approval.
Customers should be aware of the various fees and charges that are part of the loan application process, as outlined below: Transport Fee: This fee covers the cost of transporting the purchased product from the vendor to the bank branch. The fee is calculated based on the distance between the vendor and the branch and is included in the installment amounts displayed during the loan application process. Insurance: A mandatory fee imposed by the bank partner to cover the insurance of the product over the loan period. This fee is also included in the total cost of the loan. Commitment Fee: A non-refundable fee charged by the bank partner to process the loan. This fee forms part of the overall cost of the loan and is disclosed to the customer before the loan is finalized. Interest: The interest rate applied to the loan by the bank partner. Interest varies depending on the loan duration and other factors, and the total interest amount is reflected in the installment plans shown to customers.
Customers are provided with clear installment options, which include the principal amount (product price + transport fee), insurance, commitment fee, and interest. The installments are spread across the chosen duration (e.g., 3 months, 6 months, 9 months), and customers can select their preferred installment plan before submitting the loan application. After loan approval, installment payments are managed directly by the bank partner. The platform is not involved in the collection, processing, or management of any payments.
All applicable fees and charges are fully disclosed to the customer during the loan application process. The https://assetloangh.com platform ensures complete transparency regarding transport fees, insurance, commitment fees, and interest rates, allowing customers to make informed decisions.
As the platform does not handle payments, any refund requests or disputes regarding payments must be addressed directly with the bank partner. In cases where a product is returned or a loan is cancelled, the refund process will follow the procedures outlined by the bank partner and Consumer Bureau Limited’s return and refund policies (see Section 8).
At Consumer Bureau Limited, we are committed to providing efficient and accessible customer support to all users of our platform. Customers seeking assistance regarding the loan application process, product inquiries, or other service-related issues can contact our support team using the following channels:
We offer multiple channels for customers to reach our support team, ensuring that help is available when needed. The available channels are as follows: Phone Support: Customers can contact our support team via telephone during business hours for immediate assistance. Phone numbers for support will be provided on the website’s contact page. WhatsApp Support: For added convenience, we provide support via WhatsApp, allowing customers to send messages and receive timely responses. Email Support: Customers can send detailed inquiries or requests via email. Our email support team responds to all queries within a reasonable timeframe, typically within 24 to 48 hours. In-Person Support: Customers can visit our physical office for direct, face-to-face assistance. The address and office hours will be listed on our website for reference.
Customer Support Hours: Our customer support team is available during regular business hours, from Monday to Friday, between 8:30 AM and 5:30 PM. Any inquiries received outside of these hours will be addressed on the next business day. Support for Urgent Issues: Although our regular support hours are from Monday to Friday, urgent issues that arise outside of these hours can be reported via email or WhatsApp, and our team will address them at the earliest opportunity.
We strive to provide prompt and efficient service to all customers. Standard inquiries are typically addressed within 24 to 48 hours, while more complex issues may require additional time for investigation and resolution. Our support team will keep customers informed of the progress on their issues.
Our support team assists with issues related to the loan application process, product inquiries, order tracking, and any technical issues encountered on the platform. For inquiries related to loan approval, payment schedules, or interest rates, customers will be referred to the appropriate bank partner, as these matters are outside of our direct control.
Consumer Bureau Limited operates as a platform provider, facilitating the asset loan application process and product management services in collaboration with our bank partners. While we aim to deliver high-quality service, our liability is limited under the following terms:
Consumer Bureau Limited is not responsible for any delays, issues, or denials that may occur during the loan approval process, as this process is managed entirely by our bank partners. We act solely as an intermediary, providing the platform through which loan applications are submitted. Any concerns or disputes regarding loan approval must be directed to the respective bank partner.
We work with third-party vendors to source and deliver products. While we strive to ensure the availability and quality of products, Consumer Bureau Limited is not liable for any defects or issues related to the quality, functionality, or performance of products supplied by vendors. In the event of a manufacturing defect or other product-related issue, customers must follow our returns and exchange policy (as outlined in Section 8). Consumer Bureau Limited will facilitate the return or exchange process, but we are not responsible for the inherent quality of the product itself.
Consumer Bureau Limited is not liable for any financial losses, damages, or missed opportunities arising from delays in product delivery, loan approval, or any other aspect of the services provided on the platform. The customer assumes all risks related to the use of the platform and the services offered by the bank partners. This includes, but is not limited to, losses related to delays in loan processing, failure of product delivery within the agreed timeframe, or any disputes with the bank partner regarding loan terms.
In the unlikely event that Consumer Bureau Limited is found liable for any issue arising from the use of the platform, our total liability shall not exceed the value of the product in question or the total amount credited to us by the bank partner for that specific loan transaction, whichever is lower. This limitation of liability applies to all claims, whether arising in contract, tort (including negligence), or otherwise, and to the maximum extent permitted by law.
This section sets out the legal framework that governs the relationship between Consumer Bureau Limited, its users, and its partners. By using the https://assetloangh.com platform, all users and partners agree to be bound by the applicable laws and jurisdiction as outlined below:
The terms and conditions, as well as any contractual or non-contractual disputes arising out of or in connection with the use of the platform, the services provided, or any related transactions, shall be governed by and construed in accordance with the laws of the Republic of Ghana. All aspects of these Terms and Conditions, including the interpretation, enforcement, and obligations of the parties, shall be subject to the laws of Ghana, without regard to its conflict of law principles.
Any legal proceedings or disputes arising out of or in connection with these Terms and Conditions, or the use of the platform, shall be submitted to the exclusive jurisdiction of the courts of Ghana. Users, bank partners, vendors, and other parties accessing or using the https://assetloangh.com platform agree to submit to the jurisdiction of the Ghanaian courts for the resolution of any disputes or claims that may arise.
The platform is primarily intended for use within Ghana by customers of bank partners operating within the country. Users who access the platform from locations outside of Ghana do so at their own risk and are responsible for compliance with local laws, if and to the extent applicable. Consumer Bureau Limited makes no representation or warranty that the services or content on the platform are appropriate or available for use in locations outside of Ghana.
Consumer Bureau Limited is committed to resolving disputes fairly and efficiently. The following outlines the procedures for resolving any disputes, claims, or controversies that may arise between Consumer Bureau Limited, its users, bank partners, and other stakeholders in connection with the use of the platform or services provided:
In the event of a dispute, both parties are encouraged to seek an amicable resolution before resorting to formal legal proceedings. Users, bank partners, or other parties with disputes should first contact Consumer Bureau Limited’s customer support team to discuss the issue and attempt to resolve it through negotiation.
If an amicable resolution cannot be reached, the parties may agree to enter into mediation. Mediation is a voluntary and confidential process where an independent third party (the mediator) helps the disputing parties reach a mutually acceptable resolution. Mediation will be conducted in accordance with the rules and procedures established by a recognized mediation body in Ghana. The costs of mediation, including the mediator’s fees, will be shared equally by both parties unless otherwise agreed.
If mediation fails or if the parties choose to bypass mediation, the dispute shall be settled by arbitration in accordance with the laws of Ghana. The arbitration process shall be conducted under the Ghana Arbitration Centre’s rules or a similar arbitration body, and the decision of the arbitrator shall be final and binding on all parties involved. The arbitration shall take place in Accra, Ghana, and the language of the arbitration shall be English. The parties agree that the arbitrator's decision may be enforced in any court of competent jurisdiction.
In the event that arbitration is not pursued, or where either party chooses to take legal action directly, any disputes shall be resolved in the courts of Ghana, as per the governing law and jurisdiction section outlined above. Consumer Bureau Limited reserves the right to pursue litigation for any claims related to fraud, breach of confidentiality, intellectual property infringement, or any other matters that require immediate judicial intervention.
Each party shall bear its own costs and expenses arising out of any dispute resolution process, whether through mediation, arbitration, or litigation, unless a court or arbitrator decides otherwise. However, the losing party may be required to cover the reasonable legal fees and costs of the prevailing party, depending on the circumstances.
Any claim or cause of action arising out of or related to the use of the platform, the services, or these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose, or it will be forever barred. This time limit applies to all forms of dispute resolution, including mediation, arbitration, and litigation.
Consumer Bureau Limited reserves the right to modify or update these Terms and Conditions at any time, in order to reflect changes in our services, platform features, legal requirements, or business practices. The process and scope of such modifications are outlined below:
Consumer Bureau Limited retains the right to change, revise, or update any part of these Terms and Conditions at its sole discretion, at any time. Such modifications may include changes to our platform’s functionality, pricing, fees, or user obligations. Users are encouraged to review these Terms and Conditions periodically to stay informed of any updates or changes. Continued use of the https://assetloangh.com platform after modifications are posted will constitute acceptance of the revised Terms and Conditions.
In the event of significant changes to the Terms and Conditions, Consumer Bureau Limited will take reasonable steps to notify users. This may include providing a notice on the website, sending email notifications to affected users, or displaying a prominent message upon login. Where such changes materially affect the rights or obligations of users, they will be given the opportunity to review and accept the revised terms before continuing to use the platform.
Any changes to these Terms and Conditions will become effective as soon as they are published on the website, unless a specific date is stated in the notice of changes. Users who do not agree with the updated terms must cease using the platform immediately. For any modifications that involve new features, services, or pricing changes, the effective date will be communicated to users ahead of implementation, allowing them to make informed decisions about whether to continue using the platform.
By continuing to use the platform after any changes or updates to these Terms and Conditions, users agree to be bound by the revised terms. If a user does not agree to the modifications, their sole remedy is to discontinue using the platform. Consumer Bureau Limited is not responsible for notifying users individually of minor or non-material changes to these Terms and Conditions, and it is the user’s responsibility to stay informed of any such updates.
These Terms and Conditions, together with any documents, agreements, or policies expressly referenced herein, constitute the entire agreement between Consumer Bureau Limited and the users of the https://assetloangh.com platform. This section outlines the comprehensive nature of the agreement and how it relates to other agreements and terms.
These Terms and Conditions represent the complete and final understanding between Consumer Bureau Limited and the user regarding the use of the platform and the services provided. This document supersedes any prior or contemporaneous communications, understandings, proposals, or agreements, whether oral or written, related to the platform’s use. Any changes, supplements, or modifications to this agreement must be made in writing and incorporated into these Terms and Conditions in accordance with the Modification of Terms section above.
If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable under applicable law, that provision shall be deemed severable and will not affect the validity and enforceability of the remaining provisions. In the event that a provision is deemed invalid or unenforceable, the affected provision will be replaced by a valid, enforceable provision that most closely reflects the original intent of the invalid provision, to the extent permitted by applicable law.
The failure of Consumer Bureau Limited to enforce any provision of these Terms and Conditions or to respond to any breach by a user shall not be considered a waiver of our rights. Any waiver of rights or provisions must be expressly stated in writing. A waiver of any specific provision or right under these Terms and Conditions on one occasion does not constitute a waiver of any other provision or right on any other occasion.
Users may not assign, transfer, or sublicense their rights or obligations under these Terms and Conditions without the prior written consent of Consumer Bureau Limited. Consumer Bureau Limited may assign or transfer its rights or obligations under this agreement at any time, without prior notice or consent, to an affiliate, successor, or in the event of a merger, acquisition, or sale of assets.
These Terms and Conditions are for the exclusive benefit of the parties to this agreement and do not create any rights or remedies in favor of any third parties. No third-party, including users of the platform who are not direct parties to the agreement, shall have the right to enforce or benefit from these Terms and Conditions.
The headings used in these Terms and Conditions are for convenience only and shall not affect the interpretation or construction of any provision of this agreement.
Consumer Bureau Limited reserves the right to terminate or suspend access to the platform and any services provided under certain conditions. The following outlines the terms under which an account or service may be terminated, either by Consumer Bureau Limited or the user, and the consequences of such actions:
Consumer Bureau Limited may, at its sole discretion, terminate or suspend access to the platform, services, or any loan application process without prior notice under the following circumstances: Breach of Terms and Conditions: If a user violates any provisions of these Terms and Conditions, including but not limited to fraudulent loan applications, providing false information, or engaging in prohibited activities on the platform. Unlawful Activity: If Consumer Bureau Limited has reason to believe that a user is involved in illegal activities, such as fraud, money laundering, or any actions that violate local or international laws, regulations, or standards. Non-Cooperation with Investigations: If a user fails to cooperate with any legal or internal investigation initiated by Consumer Bureau Limited or relevant authorities, or refuses to provide accurate and necessary documentation when required. Inactive Accounts: If a user’s account or use of the platform has been inactive for an extended period of time, Consumer Bureau Limited reserves the right to suspend or terminate the account, after attempting to notify the user via the provided contact information.
Users may choose to terminate their use of the platform or discontinue their loan application at any time, with or without cause, by contacting Consumer Bureau Limited through the support channels provided on the platform. Upon termination, the user will no longer have access to any active loan applications, product information, or other platform services. Any loan applications in progress at the time of termination will be cancelled, and no further action will be taken unless otherwise agreed upon with the bank partner.
Upon termination by either party: All rights granted to the user under these Terms and Conditions shall immediately cease. The user will no longer be able to access any part of the platform, including pending loan applications, product orders, or customer support services. Any obligations that have arisen prior to termination, including any outstanding payments or legal liabilities, shall remain enforceable even after termination. Consumer Bureau Limited will not be liable for any damages or losses incurred as a result of the termination of access to the platform or services. Users will not be entitled to any refunds for services already provided or fees already incurred.
In certain circumstances, and at the sole discretion of Consumer Bureau Limited, a user may request reinstatement of access to the platform or services after termination. Such requests will be evaluated on a case-by-case basis, and Consumer Bureau Limited reserves the right to refuse reinstatement without providing a reason.
Any provisions of these Terms and Conditions that, by their nature, are intended to survive termination (including but not limited to sections related to confidentiality, limitation of liability, governing law, and dispute resolution) shall remain in effect after termination of the user’s access to the platform.
The use of the https://assetloangh.com platform and services involves the transmission of electronic communications between Consumer Bureau Limited, its users, and relevant third parties, including bank partners. This section outlines how electronic communications are treated under these Terms and Conditions and the user’s consent to such communications.
By using the platform, users consent to receive electronic communications from Consumer Bureau Limited and its partners, including but not limited to: Notices and Updates: Information related to loan applications, product orders, status updates, and platform changes will be communicated via email, SMS, or other electronic means. Legal and Regulatory Notices: Any legal notices, disclosures, or statements required by law may be provided electronically. Promotional Communications: Users may receive promotional messages or marketing offers from Consumer Bureau Limited and its authorized partners. Users may opt-out of such promotional communications at any time by following the unsubscribe instructions provided in each communication.
Electronic communications may be sent in the form of emails, SMS messages, notifications through the platform, or other electronic formats as necessary. By providing their contact information, users agree that Consumer Bureau Limited may contact them through any of these electronic means.
It is the user’s responsibility to ensure that the contact details provided to Consumer Bureau Limited are accurate and up-to-date. This includes maintaining a valid email address and phone number for receiving electronic communications. Users should regularly check their inboxes and spam folders for communications from Consumer Bureau Limited to ensure they do not miss any important notices or updates regarding their loan applications, product orders, or other services.
Any electronic communications, including agreements, notices, disclosures, and other communications that Consumer Bureau Limited provides to users electronically, will satisfy any legal requirements that such communications be in writing. Users acknowledge that such electronic communications are binding and enforceable in the same manner as written agreements or notices delivered by traditional means.
Users may withdraw their consent to receive electronic communications by contacting Consumer Bureau Limited via email or phone. However, withdrawing consent may impact the user’s ability to use the platform or services effectively, as many of the platform’s communications are conducted electronically. Upon withdrawal of consent, Consumer Bureau Limited will make reasonable efforts to accommodate alternative communication methods, but users may experience delays or limitations in receiving critical information.
The use of the https://assetloangh.com platform and its associated services is governed by a limited, non-exclusive license granted by Consumer Bureau Limited to users, subject to the terms and conditions outlined in this agreement. The following provisions govern the scope of the license, restrictions on use, and the user’s responsibilities when accessing the platform.
Consumer Bureau Limited grants users a limited, non-exclusive, non-transferable, revocable license to access and use the https://assetloangh.com platform for the purpose of browsing products, applying for asset loans, and engaging with the services offered by Consumer Bureau Limited and its bank partners. This license permits users to access and make personal, non-commercial use of the platform's content and services in accordance with these Terms and Conditions. Any other use of the platform, beyond the personal and authorized purpose, is strictly prohibited unless expressly permitted by Consumer Bureau Limited in writing.
Users may not, under any circumstances: Modify, Reproduce, or Exploit: Modify, reproduce, distribute, sell, or exploit any part of the platform or its content for commercial purposes without explicit written permission from Consumer Bureau Limited. Data Mining and Extraction: Use any data mining, robots, or similar data-gathering and extraction tools to access the platform or scrape its content for unauthorized purposes. Framing and Linking: Frame or utilize framing techniques to enclose any trademark, logo, proprietary information, or other content (including images, text, page layouts, or forms) of Consumer Bureau Limited without express written consent. Users may not use any meta tags or other hidden text utilizing Consumer Bureau Limited’s name or trademarks without prior written consent. Interference or Disruption: Attempt to interfere with the operation of the platform, including but not limited to hacking, introducing malware, disrupting server operations, or accessing unauthorized areas of the website.
Users are responsible for ensuring that their access to the platform complies with all applicable laws and regulations. By using the platform, users agree not to use the site for any unlawful purposes or in a manner that may infringe upon the rights of others. Users must not attempt to gain unauthorized access to any part of the platform or its systems. Any misuse of the platform, including violations of these Terms and Conditions, may result in the immediate suspension or termination of the user’s license to access the site.
Consumer Bureau Limited reserves all rights not expressly granted to users under these Terms and Conditions. Nothing in these Terms and Conditions shall be construed as granting, by implication or otherwise, any license or right to use any of Consumer Bureau Limited’s intellectual property except as explicitly authorized herein. Consumer Bureau Limited may revoke the license at any time for violations of these Terms and Conditions or for any reason deemed necessary to protect the integrity of the platform and the services it offers.