1. Scope
These Terms govern access to the KasaLoan website and digital service operated by CyberBrains Ltd. They do not themselves create a credit agreement or promise that credit will be offered.
Before publication, these Terms must be completed with the exact legal entity, registration and regulatory information, governing law, dispute process, and any licensed lender or partner relationship.
2. Eligibility
You must meet the stated age, residency, identity, and product eligibility requirements. You must provide accurate, current, and complete information and use an account and payment method that you are authorised to use.
3. Applications and offers
Submitting an application does not guarantee approval. An application may be approved, declined, or held while further information is requested. Where an offer is made, you should review the principal, amount disbursed, interest and fees, total cost, repayment schedule, due date, and consequences of late repayment before accepting it.
The final credit agreement and pre-agreement disclosure presented for an approved offer will govern that credit. If these Terms conflict with a signed credit agreement, the credit agreement controls for that transaction to the extent permitted by law.
4. Your account
You are responsible for protecting access to your mobile number, device, verification codes, and account. Tell us promptly if you believe your account or device has been compromised. Do not share one-time verification codes with another person.
5. Acceptable use
You must not impersonate another person, submit false documents, interfere with the service, attempt unauthorised access, use automated abuse, or use KasaLoan for an unlawful or fraudulent purpose.
6. Service availability
We aim to provide a reliable service, but availability may be affected by maintenance, telecommunications, payment providers, device compatibility, emergencies, or events outside our reasonable control. We may make proportionate changes needed for security, compliance, or product operation and will provide notice where required.
7. Privacy
Our Privacy Notice explains how personal information is handled. Permissions and data use presented in the app should be read together with that notice.
8. Support and complaints
For help or a complaint, email [email protected]. The production version must add the approved complaint process, response timeline, phone number, office address, and regulatory escalation route.