Terms and Conditions

1. Introduction

Welcome to LeadingClub ("we," "our," or "us"). These Terms and Conditions ("Terms") govern your use of our loan services, website, and any related applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age
• Be a resident of a country where we operate
• Have the legal capacity to enter into a binding contract
• Provide accurate and complete information during the application process

3. Loan Services

LeadingClub provides personal loan services connecting borrowers with lending partners. We are not a direct lender but facilitate the loan application process.

3.1 Loan Approval

Approval of loans is subject to:

• Creditworthiness assessment
• Verification of provided information
• Lender's discretion
• Provision of required documentation

3.2 Loan Terms

Specific loan terms, including interest rates, fees, repayment schedules, and other conditions, will be provided in your loan agreement if approved.

4. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy to understand how we collect, use, and protect your personal information.

5. User Responsibilities

As a user of our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of your account credentials
• Use the Services only for lawful purposes
• Notify us immediately of any unauthorized account activity
• Be solely responsible for all activities under your account

6. Fees and Charges

Depending on your loan product and lender, you may be subject to various fees including but not limited to:

• Origination fees
• Late payment fees
• Prepayment penalties (if applicable)
• Returned payment fees

All fees will be clearly disclosed in your loan agreement.

7. Repayment

You are responsible for:

• Making timely payments according to your repayment schedule
• Maintaining sufficient funds in your repayment account
• Notifying your lender of any changes to your contact or payment information

7.1 Late Payments

Late or missed payments may result in additional fees and may negatively impact your credit score.

8. Disclaimers

LeadingClub provides the Services "as is" and makes no warranties or representations of any kind concerning the Services.

8.1 No Guarantee

We do not guarantee:

• That you will be approved for a loan
• Any particular loan terms or rates
• The accuracy of loan matching services

9. Limitation of Liability

To the fullest extent permitted by law, LeadingClub shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Services.

10. Amendments

We reserve the right to modify these Terms at any time. All changes will be effective immediately upon posting to our website. Your continued use of the Services after changes have been posted will constitute your acceptance of such changes.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where LeadingClub operates, without regard to its conflict of law principles.

12. Contact Information

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