Terms and Conditions for Premium Trust Lend

Effective Date: January 12, 2026

Welcome to Premium Trust Lend ("we," "our," or "us"). By accessing or using our loan services, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding with any loan application.

1. Acceptance of Terms

By submitting a loan application or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

2. Eligibility

To be eligible for our loan services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have a valid government-issued identification
• Provide accurate and complete information during the application process
• Have the legal capacity to enter into a binding contract

3. Loan Application Process

When you apply for a loan through Premium Trust Lend:

• You authorize us to verify the information you provide
• You consent to credit checks and background verification
• You understand that loan approval is subject to our assessment criteria
• You acknowledge that submitting an application does not guarantee approval

4. Loan Terms

All approved loans are subject to the following:

• Interest rates, fees, and repayment schedules as specified in your loan agreement
• Late payment penalties and charges as outlined in your agreement
• Prepayment terms and conditions
• Default consequences and remedies

5. Borrower Responsibilities

As a borrower, you agree to:

• Provide accurate and truthful information
• Make timely payments according to the agreed schedule
• Notify us immediately of any changes to your contact information
• Maintain adequate funds for automatic payments if applicable
• Comply with all terms outlined in your specific loan agreement

6. Interest Rates and Fees

Interest rates and fees vary based on:

• Loan type and amount
• Credit history and score
• Income verification
• Loan term duration

All applicable rates and fees will be clearly disclosed before you accept the loan offer.

7. Repayment

You agree to repay the loan according to the payment schedule outlined in your loan agreement. Failure to make timely payments may result in:

• Late payment fees
• Negative impact on your credit score
• Collection activities
• Legal action

8. Default and Collection

In the event of default, we reserve the right to:

• Accelerate the entire loan balance
• Report the default to credit bureaus
• Engage collection agencies
• Pursue legal remedies to recover the outstanding amount

9. Privacy and Data Protection

We are committed to protecting your personal information. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

10. Communication

By using our services, you consent to receive communications from us via:

• Email
• Phone calls
• SMS/text messages
• WhatsApp
• Postal mail

11. Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after modifications constitutes acceptance of the updated terms.

12. Limitation of Liability

Premium Trust Lend shall not be liable for any indirect, incidental, special, or consequential damages arising from the use of our services or inability to obtain a loan.

13. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of India and Indonesia, depending on the jurisdiction where the loan is issued.

14. Dispute Resolution

Any disputes arising from these terms shall be resolved through:

• Good faith negotiation
• Mediation if negotiation fails
• Arbitration or legal proceedings as a last resort

15. Contact Information

For questions or concerns about these Terms and Conditions, please contact us:

Email: info@ptlend.com

Phone/WhatsApp: +91 96121 63267

Mumbai Office: Maharashtra Tower 2, Wing B, 7th Floor, Elphinstone Road, Mumbai, 400013, India

Jakarta Office: Menara BCA, Jl. MH Thamrin, Jakarta, Indonesia

16. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms and Conditions, together with your loan agreement and our Privacy Policy, constitute the entire agreement between you and Premium Trust Lend regarding our services.

By proceeding with a loan application, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.