XITLOAN TERMS AND CONDITIONS

Effective Date: 01/01/2025

Welcome to XitLoan! These Terms and Conditions (“Terms”) govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website.

1. Definitions

• “Company,” “we,” “us,” or “our” refers to XitLoan and its affiliates.
• “User,” “you,” or “your” refers to any person accessing our website.
• “Services” refer to the loan products, financial services, and any other offerings provided by XitLoan.

2. Use of Website

• You must be at least 18 years old to use this website.
• You agree to use this website only for lawful purposes and in compliance with all applicable laws and regulations.
• You shall not use this website to transmit harmful code, engage in fraudulent activities, or interfere with the operation of the site.

3. Privacy Policy Your use of this website is also governed by our Privacy Policy, which outlines how we collect, use, and protect your information. Please review our Privacy Policy [insert link] for details.

4. Loan Services Disclaimer

• XitLoan does not guarantee loan approval, terms, or funding.
• All loan applications are subject to verification, underwriting, and approval based on company policies and applicable laws.
• Loan terms, interest rates, and eligibility criteria may vary based on applicant qualifications.

5. User Accounts and Security

• If you create an account, you are responsible for maintaining its security and confidentiality.
• You agree to notify us immediately of any unauthorized use of your account.
• We reserve the right to suspend or terminate accounts that violate these Terms.

6. Intellectual Property Rights

• All content on this website, including text, graphics, logos, and software, is the property of XitLoan and protected by intellectual property laws.
• You may not reproduce, distribute, or modify any part of our website without prior written permission.

7. Third-Party Links Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party sites.

8. Limitation of Liability

• XitLoan is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or our services.
• We do not guarantee that our website will be error-free, uninterrupted, or secure.

9. Indemnification You agree to indemnify and hold harmless XitLoan, its affiliates, and employees from any claims, liabilities, damages, losses, or expenses arising from your use of our website or violation of these Terms.

10. Termination We reserve the right to terminate or suspend your access to our website and services at any time, without prior notice, for any violation of these Terms.

11. Governing Law These Terms are governed by the laws of [Insert State], without regard to its conflict of law principles. Any legal disputes shall be resolved in the courts of [Insert State].

12. Changes to These Terms We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated effective date. Your continued use of our website after changes take effect constitutes acceptance of the new Terms.

13. Contact Information For questions regarding these Terms, please contact us at info@xitloan.com.

By using this website, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.