Please read the following information carefully before using the PAIFI website or applying for any financial service.
The information published on the PAIFI website is provided for general informational and service-related purposes. Website content should not be considered as a guarantee of any particular financial outcome.
Accessing the website or submitting an application does not automatically create a lender-borrower relationship.
We make reasonable efforts to maintain accurate and current information on our website. However, information may change from time to time.
Users should verify the applicable terms, charges, eligibility requirements and contractual information before making a financial decision.
Loan amounts, tenure, interest rates, fees, repayment schedules and other terms displayed on the website may vary based on the applicable product, applicant profile and lending assessment.
The final terms applicable to a borrower will be those communicated in the relevant loan documentation.
Submission of a loan application does not guarantee approval, a specific loan amount, interest rate or disbursement.
Each application is subject to applicable eligibility, verification, credit assessment, risk evaluation and lending policies.
Interest rates, processing fees, applicable taxes and other charges may vary depending on the loan product and applicable customer assessment.
Borrowers should carefully review all applicable costs and disclosures before accepting a loan.
Eligibility criteria displayed on the website are indicative unless specifically stated otherwise.
Meeting an eligibility condition does not by itself guarantee approval or availability of credit.
Applications may be evaluated using information such as income, employment, credit history, repayment obligations, verification results, fraud checks and other applicable risk parameters.
Assessment criteria may differ between products and applicants.
Certain services may depend on third-party providers such as payment processors, verification services, technology providers, credit information companies and communication providers.
Availability and performance of third-party services may be outside PAIFI's direct control.
Any loan calculator, EMI calculator, repayment illustration or similar tool available on the website is provided for indicative purposes only.
Actual repayment amounts, interest, fees and other costs may differ from calculator results. The applicable loan agreement and official disclosures should always be relied upon.
Website content may include descriptions, examples, illustrations and general financial information intended to help users understand our services.
Such content should not be interpreted as personalised financial, legal, tax or investment advice.
We endeavour to maintain continuous access to our website, but temporary interruptions may occur because of maintenance, technical problems, network failures or circumstances outside our reasonable control.
We use reasonable security measures to protect information and systems. However, no internet transmission or electronic storage system can be guaranteed to be completely secure.
Users should take appropriate precautions when accessing websites and sharing information online.
The PAIFI website may contain links to third-party websites. Such links are provided for convenience and informational purposes.
PAIFI does not necessarily endorse or control the content, availability or privacy practices of external websites.
Users are responsible for evaluating whether a financial product is suitable for their own circumstances.
Before accepting a loan, customers should consider their income, existing obligations, repayment capacity, applicable charges and other relevant financial commitments.
Borrowers are responsible for making repayments according to the applicable repayment schedule and loan agreement.
Failure to make payments on time may result in consequences specified in the applicable agreement and under applicable law.
Delayed or missed repayments may result in applicable charges and may affect a borrower's credit profile where applicable.
Users should review the applicable loan agreement for detailed consequences of non-payment.
PAIFI or authorised service providers may communicate with applicants or borrowers regarding applications, account servicing, repayment reminders, support requests and other legitimate service-related matters, subject to applicable requirements.
Applications and transactions may be subject to fraud detection, identity verification and other security checks.
Applications containing inaccurate, fraudulent or suspicious information may be declined or subject to further verification.
To the extent permitted by applicable law, PAIFI shall not be responsible for losses arising from events outside its reasonable control, including third-party service failures, network interruptions or temporary website unavailability.
Nothing in this Disclaimer excludes liability that cannot legally be excluded.
PAIFI may update this Disclaimer from time to time to reflect changes in its services, website content, technology, legal requirements or business practices.
The latest version will be published on this page with the applicable revision date.
If you have questions regarding this Disclaimer or any information published on the PAIFI website, please contact us.
Please review the applicable loan offer, disclosures and loan agreement carefully before accepting any financial product. The final contractual terms applicable to your loan will be those contained in the relevant documents.