Terms & Conditions

Last Updated: 31st July 2024

Welcome to Sharp Financials. These Terms & Conditions govern your use of our website and the loan services we provide. By accessing or using our website, you agree to comply with and be bound by these Terms & Conditions. If you do not agree to these terms, please do not use our services.

1. Definitions

“Company” refers to Sharp Financials.
“User” refers to any person or entity accessing or using the services provided by the Company.
“Loan” refers to the financial product provided by the Company to the User.

2. Eligibility

To be eligible for a loan from Sharp Financials, you must:

Be at least 18 years old.
Have a valid government-issued ID.
Provide accurate and complete information during the application process.
Meet the Company’s credit and underwriting criteria.

3. Application Process

Users must complete an online application form providing all required information.
The Company reserves the right to request additional documentation or information as needed.
All applications are subject to approval based on the Company’s underwriting criteria.

4. Loan Terms

Loan amounts, interest rates, and repayment terms are determined based on the User’s credit profile and other factors.
The Company will provide a detailed loan agreement outlining the specific terms, which the User must review and agree to before funds are disbursed.

5. Repayment

Users are required to make repayments according to the schedule outlined in the loan agreement.
Late payments may incur additional fees and penalties as specified in the loan agreement.
Users may have the option to prepay their loan without penalty, subject to the terms of their loan agreement.

6. Fees and Charges

The Company may charge various fees associated with the loan, including but not limited to origination fees, late payment fees, and prepayment fees.
All fees will be clearly disclosed in the loan agreement.

7. Privacy and Data Security

The Company is committed to protecting the privacy of Users. Please review our Privacy Policy for details on how we collect, use, and safeguard your information.
By using our services, you consent to the collection and use of your information as described in the Privacy Policy.

8. Dispute Resolution

Any disputes arising out of or related to these Terms & Conditions or the loan agreement shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Users waive the right to a trial by jury and to participate in a class action.

9. Limitation of Liability

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to the use of our services.
The Company’s total liability for any claims arising from or related to the services shall not exceed the total amount of the loan provided to the User.

10. Changes to Terms & Conditions

The Company reserves the right to modify these Terms & Conditions at any time. Any changes will be posted on our website and will become effective immediately upon posting.
Continued use of our services after any changes constitutes acceptance of the revised Terms & Conditions.

11. Governing Law

These Terms & Conditions and any disputes arising out of or related to them shall be governed by and construed in accordance with the laws of the state in which the Company is headquartered, without regard to its conflict of law principles.

12. Contact Information

If you have any questions or concerns about these Terms & Conditions, please contact us at:

Sharp Financials email us at contact@sharpfinancials.com