Terms & Conditions
Terms & Conditions
Welcome to Loans (https://loans.scheme.com.pk). By accessing or using our website and services, you agree to comply with and be bound by these Terms & Conditions. Please read them carefully before proceeding.
1. Acceptance of Terms
By using our website, you confirm that you are at least 18 years of age and possess the legal capacity to enter into binding agreements. If you do not agree with any part of these terms, you must discontinue use of the site immediately.
2. Services Provided
Loans facilitates access to loan-related information, eligibility tools, and application guidance for financial products offered by third-party lenders. We are not a lender, bank, or credit provider, and do not make credit decisions or disburse funds. All loan approvals, interest rates, and terms are determined solely by the respective lending institutions.
3. User Responsibilities
- You agree to provide accurate, current, and complete information during registration and loan applications.
- You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.
- You must not misuse the site, including but not limited to scraping, automated data collection, or unauthorized access.
4. Privacy and Data Use
Your personal information is collected and processed in accordance with our Privacy Policy. We may share anonymized or aggregated data with partners for analytical and service improvement purposes, but we do not sell your personal data to third parties.
5. Disclaimer of Warranties
The site and its content are provided “as is” and “as available” without warranties of accuracy, reliability, or completeness. Loans expressly disclaims all implied warranties, including merchantability and fitness for a particular purpose. You acknowledge that loan eligibility, terms, and approvals are subject to lender discretion and credit assessment.
6. Limitation of Liability
Loans shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of or inability to use the site or services, including but not limited to loss of profits, data, or business opportunities.
7. Governing Law and Disputes
These Terms & Conditions are governed by the laws of Pakistan. Any dispute arising out of or related to these terms shall be subject to the exclusive jurisdiction of the courts located in Islamabad, Pakistan.
8. Amendments
We reserve the right to update these Terms & Conditions at any time. Changes will be posted on this page with a revised “Last updated” date. Continued use of the site after such changes constitutes acceptance of the revised terms.
9. Contact Information
For questions regarding these Terms & Conditions, please contact us at Contact Us or email support@loans.scheme.com.pk.
Last updated: March 15, 2025
For more information, visit our About Us page or review our Disclaimer.