Terms of Service

1. Acceptance of Terms

By accessing or using the website, applications, or services provided by United Finance Limited (“we”, “us”, or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, you must not use our services.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Be a citizen or legal resident of Papua New Guinea
• Be currently employed or have a verifiable source of income
• Provide accurate and truthful information in all applications and communications

3. Account Registration

When you create an account with us, you are responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorised use of your account. We are not liable for any loss or damage arising from your failure to protect your account information.

4. Loan Services

Our loan products are subject to the following conditions:

• All loan applications are subject to assessment and approval at our sole discretion
• Interest rates, fees, and repayment terms are specified in the individual loan agreement
• Submitting an application does not guarantee approval
• We reserve the right to request additional documentation at any time
• Approved loan amounts may differ from the amount requested

5. Repayment Obligations

You agree to repay any loan in accordance with the terms set out in your loan agreement. Failure to make timely repayments may result in additional fees, interest charges, reporting to credit bureaus, and legal action. If you experience financial difficulty, we encourage you to contact us as early as possible to discuss alternative arrangements.

6. Fees and Charges

All applicable fees, interest rates, and charges will be disclosed to you before you enter into a loan agreement. We may charge fees for loan processing, late payments, early repayment, and account administration. A full schedule of fees is available upon request and will be included in your loan documentation.

7. Use of the Website

You agree not to:

• Use our website for any unlawful purpose
• Attempt to gain unauthorised access to our systems or networks
• Submit false, misleading, or fraudulent information
• Interfere with the proper operation of our website or services
• Copy, reproduce, or distribute any content from our website without permission

8. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of United Finance Limited or its licensors and is protected by applicable intellectual property laws. You may not reproduce, modify, or distribute any content without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, United Finance Limited shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of our services. Our total liability to you for any claim shall not exceed the amount of fees paid by you to us in the twelve months preceding the claim.

10. Indemnification

You agree to indemnify and hold harmless United Finance Limited, its officers, directors, employees, and agents from any claims, liabilities, damages, or expenses arising from your use of our services or your breach of these terms.

11. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Papua New Guinea. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts of Papua New Guinea.

12. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be effective when posted on this page with an updated “Last updated” date. Your continued use of our services after any changes constitutes acceptance of the revised terms.

13. Contact Us

If you have any questions about these Terms of Service, please contact us: