Terms and Conditions

Welcome to Capital TG LLP These Terms and Conditions (“Terms”) govern your access to and use of our website, mobile application, and all loan services we provide. By accessing or using our platform, you agree to comply with these Terms. Please read them carefully.

1. Acceptance of Terms

By applying for a loan, creating an account, or using any of our services, you acknowledge that you have read, understood, and agreed to be bound by these Terms and Conditions.

If you do not agree, you must stop using our services immediately.

2. Eligibility

To use our services, you must:

  • Be at least 18 years old
  • Be a resident of the country where our services are offered
  • Provide accurate and verifiable personal information
  • Have a valid government-issued ID
  • Meet our internal credit and verification requirements

We reserve the right to approve or reject any loan application at our discretion.

3. User Information & Verification

You agree to provide accurate, complete, and up-to-date information during registration and loan application.
We may verify your identity and creditworthiness through:

  • Credit bureaus
  • Employment verification
  • Bank statement checks
  • Third-party verification partners

False or misleading information may result in loan rejection or legal action.

4. Loan Approval & Disbursement

Loan approval is not guaranteed. Approval depends on:

  • Credit evaluation
  • Income assessment
  • Risk analysis
  • Verification results

Once approved, funds will be disbursed to your provided bank account. Processing time may vary based on verification and banking processes.

5. Interest Rates & Fees

Interest rates, service fees, and other charges will be clearly stated:

  • During application
  • In your loan agreement
  • In your repayment schedule

By accepting the loan, you agree to all applicable fees and charges.

No hidden fees are applied beyond what is disclosed.

6. Repayment Terms

You agree to repay your loan based on the agreed schedule. Failure to repay may result in:

  • Late fees and penalties
  • Negative credit bureau reporting
  • Debt recovery actions
  • Legal enforcement if required

We may also send reminders via SMS, email, or phone calls.

7. Default & Collection

If you fail to repay on time, we reserve the right to:

  • Engage internal or external debt recovery agents
  • Contact your provided references
  • Report your default to credit bureaus
  • Take legal action if necessary

You are responsible for all costs associated with loan recovery.

8. Privacy & Data Protection

We collect and process your information in accordance with our Privacy Policy.
Your data may be shared with third-party partners strictly for:

  • Identity verification
  • Credit assessment
  • Loan processing
  • Regulatory compliance

We do not sell or misuse your personal information.

9. Prohibited Activities

You agree not to:

  • Use the platform for fraudulent activities
  • Provide false or misleading information
  • Interfere with our system, servers, or security
  • Attempt to hack or misuse the website/app

Violations may result in account termination and legal consequences.

10. Intellectual Property

All content on this website—including logos, text, images, and software—is the property of Capital TG LLP Company and protected by copyright laws.
You may not copy, distribute, or modify any content without permission.

11. Limitation of Liability

We are not liable for:

  • Losses caused by delays in processing
  • Your failure to meet repayment obligations
  • Third-party system failures outside our control
  • Unauthorized access due to your negligence

Our platform is provided “as is,” without warranties of any kind.

12. Termination of Services

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent or abusive activity
  • Fail verification requirements
  • Default on your loan obligations

You may also request account closure after clearing all outstanding debts.

13. Changes to Terms

We may update these Terms at any time.
Changes take effect immediately once posted on our website or app.
Your continued use of our service means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of the United State of America
Any disputes will be resolved through arbitration or court proceedings in the appropriate jurisdiction.

15. Origination fees

Origination fee = the cost of setting up your loan and its usually 2.5%

Lenders use origination fees to cover things like:

  • Loan application processing
  • Credit checks
  • Verification of documents
  • Administrative costs
  • Platform or service charges