Terms & Conditions

Last Updated: [Date]

1. Introduction

Welcome to Lima Finance. These Terms & Conditions ("Terms") govern your access to and use of the website, applications, products, and services provided by Lima Finance, owned and operated by EMich Technology (M) Sdn. Bhd.

By accessing or using our website and services, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please discontinue use of our services immediately.

2. Eligibility

To use our services, you must:

• Be at least 18 years of age.

• Have the legal capacity to enter into binding agreements.

• Provide accurate and complete information when requested.

• Comply with all applicable laws and regulations.

We reserve the right to refuse or terminate services if eligibility requirements are not met.

3. Services

Lima Finance may provide services including but not limited to:

• Financial and microfinance solutions

• Loan application and management services

• Customer account services

• Web hosting services

• Website design and development services

• Domain registration services

• Digital and technology-related solutions

The availability of specific services may vary and may be modified or discontinued at any time without prior notice.

4. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials.

• Restricting access to your account.

• All activities conducted under your account.

You agree to notify us immediately of any unauthorized use of your account or security breach.

5. User Responsibilities

You agree not to:

• Use the website for unlawful purposes.

• Submit false, misleading, or fraudulent information.

• Attempt to gain unauthorized access to systems or data.

• Interfere with website functionality or security.

• Upload malicious software, viruses, or harmful code.

• Engage in activities that may harm Lima Finance or other users.

6. Financial Services Disclaimer

Any financial information provided through our website is for general informational purposes only.

Loan approvals, financing decisions, interest rates, and eligibility assessments are subject to internal review processes and applicable regulations.

Submission of an application does not guarantee approval.

7. Web Hosting and Website Services

For customers utilizing our web hosting, website design, or digital services:

• Service availability may be affected by maintenance, upgrades, or circumstances beyond our control.

• Customers are responsible for maintaining backups of their content and data.

• We reserve the right to suspend services that violate applicable laws or these Terms.

• Service-specific agreements may apply to hosting and development projects.

8. Payments and Fees

Certain services may require payment.

By purchasing services, you agree to:

• Pay all applicable fees and charges.

• Provide valid payment information.

• Authorize us to process payments through approved payment providers.

Fees are generally non-refundable unless otherwise stated in a separate agreement or required by law.

9. Intellectual Property

All content, trademarks, logos, graphics, software, and materials available through our website are the property of Lima Finance, EMich Technology (M) Sdn. Bhd., or their respective licensors.

You may not reproduce, distribute, modify, or use any content without prior written permission.

10. Privacy

Your use of our services is also governed by our Privacy Policy.

By using our services, you acknowledge that you have read and understood our Privacy Policy.

11. Third-Party Services

Our website may contain links to third-party websites, applications, or services.

We are not responsible for the content, security, availability, or privacy practices of third-party services.

Accessing third-party services is at your own risk.

12. Service Availability

We strive to maintain uninterrupted service but do not guarantee that our website or services will always be available, secure, or error-free.

We may suspend, modify, or discontinue services for maintenance, upgrades, security reasons, or operational requirements.

13. Limitation of Liability

To the maximum extent permitted by law, Lima Finance and EMich Technology (M) Sdn. Bhd. shall not be liable for:

• Indirect or consequential damages.

• Loss of profits, revenue, or business opportunities.

• Data loss or corruption.

• Service interruptions or downtime.

• Actions of third-party providers.

Your use of our services is at your own risk.

14. Indemnification

You agree to indemnify and hold harmless Lima Finance, EMich Technology (M) Sdn. Bhd., its employees, directors, partners, and affiliates from any claims, liabilities, damages, losses, or expenses arising from your use of the services or violation of these Terms.

15. Suspension and Termination

We reserve the right to suspend or terminate your access to services at any time if:

• You violate these Terms.

• Fraudulent or suspicious activity is detected.

• Required by law or regulatory authorities.

• Necessary to protect our systems, customers, or business interests.

16. Changes to These Terms

We may update these Terms from time to time.

Any changes will become effective upon publication on our website. Continued use of our services after updates constitutes acceptance of the revised Terms.

17. Governing Law

These Terms shall be governed and interpreted in accordance with the laws of Malaysia, without regard to conflict of law principles.

Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts of Malaysia.

18. Contact Information

If you have questions regarding these Terms & Conditions, please contact us:

Lima Finance
Owned and Operated by EMich Technology (M) Sdn. Bhd.

Email: legal@limafinance.com
Phone: +60 3-XXXX XXXX

Thank you for choosing Lima Finance.