3.1 Acceptance of Agreement By downloading, registering, or using the Faith Loan App available via Faith.bdaidfoundation.org, you agree to be bound by these Terms and Conditions. If you do not agree, do not access or use the services. 3.2 Eligibility To use Faith Loan App, you must: Be at least 18 years of age. Be a legal resident of the operating jurisdiction with valid national identification. Possess an active bank account or verified mobile wallet. 3.3 Loan Terms, Interest, & Fees Loan Amounts & Repayment: Loan terms, repayment schedules, interest rates, and processing fees are clearly displayed before loan acceptance. Late Fees: Defaulting on scheduled payments may incur late payment charges as permissible under governing financial regulations. Credit Reporting: Continued default may be reported to credit bureaus and affect your future credit rating. 3.4 Termination & Suspension We reserve the right to suspend or terminate your account immediately without prior notice if you provide fraudulent information, breach these terms, or engage in suspicious financial transactions.

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