Terms of Service

Welcome to UniLend.

These Terms of Service explain the rights and responsibilities between you and UniLend Finance Corporation ("UniLend", "the Company", "we", "our", or "us") when you use the UniLend mobile service.

By creating an account or using UniLend, you agree to these Terms.

UniLend is available to users in countries where the service is provided and where users are legally allowed to use the service.

You agree to:

• provide accurate and up-to-date information;
• use your own account; and
• create only one account per person.

If necessary, we may request additional information or verification to protect your account, prevent misuse, or comply with applicable laws.

UniLend uses device-based access. When you first use the app, UniLend automatically creates a member account using a persistent device identifier. On later use of the same device, the app restores access to that member account.

UniLend does not currently provide a separate username-and-password sign-up or login screen.

You may later add and manage profile information, including your name, email address, mobile number (optional), and referral code (optional), from within the service. Email verification is optional.

Information Collected Automatically

To operate the service, protect accounts, prevent misuse, and improve the service, UniLend may automatically collect information such as:

• Device information
• Operating system and version
• App version
• Language settings
• Country and time zone
• IP address
• Login history
• Push notification token
• Service usage information
• Error and diagnostic information

For more information about how personal information is collected and used, please refer to our Privacy Policy.

You are responsible for keeping your device and any account access details you register with UniLend secure.

You must not transfer your account or allow another person to use your account.

If you believe your account has been used without permission or has a security issue, please contact us as soon as possible.

UniLend provides services to its members through the mobile app.

The features, availability, and operation of the service may be changed, added, suspended, or discontinued based on service improvements or operational needs.

You must use the service in a normal and fair manner and must not harm other users or interfere with the operation of the service.

Rewards provided through UniLend are promotional benefits related to the use of the service.

Rewards are not guaranteed cash or cash equivalents.

Rewards may be granted, adjusted, withheld, revoked, or discontinued in accordance with the Operating Policy.

Detailed information about rewards and service operations can be found in the Operating Policy.

You agree to use UniLend honestly and responsibly.

You agree to:

• keep your account information accurate and up to date;
• follow applicable laws and these Terms;
• respect other users and the service; and
• avoid interfering with the normal operation of the service.

You must not:

• create or use multiple accounts;
• use false information or another person's information;
• misuse the referral system;
• use bots, macros, scripts, automation tools, or emulators;
• manipulate advertisements or reward activities;
• exploit system vulnerabilities or use the service in an abnormal way;
• harm other users or interfere with service operations; or
• engage in illegal or fraudulent activity.

UniLend may use third-party services to provide and operate the service.

These may include services such as Apple, Google, Firebase, advertising networks, or other external service providers.

Your use of those services may also be subject to the terms and privacy policies of the relevant third-party providers.

If you violate these Terms or the Operating Policy, we may take actions such as:

• issuing a warning;
• restricting certain features;
• withholding or revoking rewards;
• temporarily suspending your account; or
• permanently suspending your account.

You may delete your account or stop using the service at any time.

Even after account deletion, certain information may be retained for a period of time when required by law or necessary for service operations.

UniLend works to provide a stable service, but we do not guarantee that the service will always be available without interruption.

The service may be temporarily unavailable due to maintenance, updates, system issues, or events beyond our reasonable control.

The UniLend service, app, logo, trademarks, designs, content, and related materials are owned by UniLend or their rightful owners.

You may not copy, modify, distribute, or commercially use them without prior permission from the Company.

We may change the service or these Terms from time to time.

If a change significantly affects users, we will provide notice through the app or other official communication channels before the change takes effect.

If you continue using the service after the updated Terms become effective, you may be considered to have accepted the updated Terms.

UniLend provides the service to the extent permitted by applicable laws.

To the extent permitted by applicable laws, we may limit our responsibility for losses caused by events beyond our reasonable control.

If you have any questions about these Terms or the UniLend service, please contact our Support Team.

Support Contact

(Official contact information will be provided before the public launch.)

Thank you for using UniLend.

UniLend Finance Corporation