1. Eligibility Criteria:
   • - Applicant must be 18 years of age or older
   • - The applicant must possess mental capacity and competency
   • - Applicant must possess any government-issued ID
2. Obligations of the Applicant:
   • - The applicant is required to return the refund within the stipulated time
   • - The applicant must be able to read and write
3. Loan Terms:
   • - The loan interest is 15%
   • - Failure to return the refund on time will lead the borrower to take strict legal action
4. Application Approval:
   • - We have the right to accept or reject a loan application if it reveals a confession/fraud in the borrower's information