1. Introduction

Kundu Finance Limited (“we,” “us,” “our”) operates this website to provide personal loan products and financial literacy services in Papua New Guinea. By accessing or using this website, you accept and agree to be bound by these Terms and Conditions. If you do not agree to these terms, you should not use our website or services.

2. Personal Loans

• Eligibility: Our personal loans are available to individuals who meet specific eligibility requirements. You must be at least 18 years of age and a resident of Papua New Guinea to apply.
• Loan Purpose: Loans are provided for personal purposes, such as bride price, school fees, medical expenses, and other personal financial needs. You must use the loan for the purpose specified in your application.
• Application Process: To apply for a loan, you must submit an accurate and complete application through your HR. We reserve the right to request additional information to verify your application.
• Loan Approval: Loan approval is subject to verification, credit checks, and other criteria as determined by Kundu Finance Limited. Submitting an application does not guarantee loan approval.
• Repayment: Repayment terms will be outlined in your loan agreement. Failure to make timely repayments may result in late fees, interest penalties, and legal actions.

3. Data Privacy and Security

• Data Collection: By using our website, you consent to the collection and use of your personal information as described in our [Privacy Policy]. This includes information you provide when applying for loans or interacting with our services.
• Data Security: We take reasonable measures to protect your personal information from unauthorized access, disclosure, or alteration. Our cloud-based system uses encryption to ensure the security of your data.
• Third-Party Services: In some cases, we may use third-party services for processing payments, identity verification, or data storage. We are not responsible for the privacy practices or content of these third-party services.

4. Website Use

• Prohibited Conduct: You agree not to use our website for any unlawful purpose or in violation of these Terms and Conditions. This includes, but is not limited to:
  • Falsifying information in loan applications.
  • Attempting to hack or disrupt our website or servers.
  • Misrepresenting your identity or affiliation with Kundu Finance.
• Intellectual Property: All content on this website, including text, graphics, logos, and software, is the property of Kundu Finance Limited and protected by copyright laws. You may not copy, distribute, or exploit this content without our written consent.

5. Disclaimer of Warranties

• The information on this website is provided “as is” without any warranties of any kind. We make no representations or guarantees regarding the accuracy, reliability, or completeness of the content.
• Kundu Finance Limited is not responsible for any direct or indirect damages arising from your use of our website or services.

6. Limitation of Liability

• To the fullest extent permitted by law, Kundu Finance Limited will not be liable for any damages resulting from your use of the website or from loan-related activities, including any loss of data, financial loss, or damages from unauthorized access to your personal information.

7. Changes to Terms and Conditions

• We reserve the right to modify or update these Terms and Conditions at any time. Any changes will be effective immediately upon posting to this page. Continued use of the website following any changes indicates your acceptance of the new terms.

8. Termination

• We reserve the right to terminate or restrict your access to our website or services at any time, without notice, if we believe you have violated these Terms and Conditions or engaged in unlawful conduct.

9. Governing Law

• These Terms and Conditions are governed by the laws of Papua New Guinea. Any disputes arising from your use of this website or services shall be subject to the exclusive jurisdiction of the courts in Papua New Guinea.

10. Contact Us

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

Kundu Finance Limited
Email: info@kundufinance.com.pg
Contact No. : +675 7303 1323
Address: Ground Floor, Section 59, Allotment 8, Goroa Street, Hohola (Gordons), NCD, PNG