Terms & Conditions

Welcome to Foneloan. By accessing or using this website and related services, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions. If you do not agree with any part of these terms, you should discontinue the use of this website immediately.

2. About Foneloan

Foneloan is a digital financing platform that enables partner banks and financial institutions to offer eligible customers access to various financing products through their mobile banking applications. Loan approval, eligibility criteria, loan limits, repayment terms, and associated fees are determined by the respective partner bank or financial institution.

3. Eligibility

Access to financing services is subject to eligibility requirements established by partner banks and financial institutions. Eligibility may be determined using transaction history, customer profile information, credit-related assessments, and other criteria deemed appropriate by the lending institution.

4. Loan Applications

Loan applications submitted through mobile banking channels are subject to review and approval by automated systems and policies established by the respective lending institution. Submission of an application does not guarantee approval.

5. Customer Responsibilities

Users are responsible for:

• Providing accurate and complete information.
• Maintaining the confidentiality of account credentials.
• Reviewing loan terms before accepting any financing offer.
• Repaying loans according to agreed repayment schedules.
• Complying with applicable laws and regulations.

6. Repayment Obligations

Borrowers are responsible for repaying all approved financing amounts, including applicable interest, charges, fees, and penalties as determined by the partner bank. Failure to repay may result in additional charges and actions permitted under applicable laws and banking regulations.

7. Intellectual Property

All content, trademarks, logos, graphics, text, software, and other materials displayed on this website are the property of Foneloan or its licensors and are protected by applicable intellectual property laws.

8. Website Availability

Foneloan strives to maintain uninterrupted access to its website and services. However, we do not guarantee that services will always be available, uninterrupted, secure, or error-free.

9. Limitation of Liability

Foneloan shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising from the use of this website or services, including but not limited to service interruptions, system failures, data loss, or delays in processing.

10. Third-Party Services

This website may contain links or references to third-party websites, applications, or services. Foneloan is not responsible for the content, privacy practices, or availability of such third-party platforms.

11. Information Security

Foneloan implements reasonable administrative, technical, and organizational measures to safeguard information. However, no internet-based transmission or storage system can be guaranteed to be completely secure.

12. Amendments

Foneloan reserves the right to modify, update, or revise these Terms and Conditions at any time without prior notice. Changes become effective upon publication on this website.

13. Governing Law

These Terms and Conditions shall be governed and interpreted in accordance with the applicable laws and regulations governing the jurisdiction in which Foneloan operates.

14. Contact Information

If you have questions regarding these Terms and Conditions, please contact us through the information provided on our Contact Us page.

Last Updated: Jan 2, 2026