This Website (or this Application): The platform facilitating the provision of the Service.
Agreement: Any legally binding or contractual relationship between the User and CNPLending, subject to the conditions outlined in these Terms.
Owner (or We): CNPLending – The individual(s) or legal entity responsible for operating this Website and providing the Service to Users.
Service: The offerings provided through this Website, as described in these Terms and on the Website itself.
Terms: The provisions governing the utilization of this Website and its Services, as detailed in this document or supplementary materials. Please note that these provisions may be modified periodically without prior notice.
User (or You): The natural person or legal entity making use of this Website.
This document constitutes a formal agreement between You and CNPLending. By accessing or employing this website or any services offered by this website, you acknowledge your acceptance and agreement to abide by these Terms of Service (“Terms of Service”), our privacy notice (“Privacy Notice”), and any additional applicable terms.
These Terms govern:
- The terms under which you are permitted to access and utilize this website.
- Any other associated agreements or legal interactions with the Owner, all in a legally binding manner. Definitions of capitalized terms can be found within the relevant sections of this document.
Users are required to thoroughly review this document. If you do not concur with all of these Terms of Service and any related additional terms, refrain from using this website.
This Website is managed by: CNPLending Pakistan
Contact email for the Owner: email@example.com
Summary of Important Information for Users:
Age Restrictions: To access and utilize this Website and its Services, Users must meet the age criteria defined by applicable laws, which typically require Users to be adults.
- Some sections of these Terms may only pertain to specific categories of Users.
- Certain provisions may solely apply to Business/Commercial Users or Consumers. Any such limitations are explicitly mentioned in the relevant sections. In cases where no such specification is present, the sections apply to all Users.
By utilizing this Website, Users confirm their compliance with the following conditions:
- No restrictions based on User categories, including Business/Commercial Users or Consumers.
- Users must be recognized as adults under applicable law.
Content on this Website:
Unless expressly stated otherwise, all Website Content is either provided by or belongs to the Owner or its licensors. The Owner has made diligent efforts to ensure that the Website Content adheres to legal regulations and respects third-party rights. However, it is not always possible to guarantee complete compliance.
In cases where Users encounter non-compliant content, they are encouraged to report such instances using the contact information provided in this document.
Rights Regarding Content on this Website – All Rights Reserved:
The Owner retains all intellectual property rights over such content. Users are prohibited from using such content in ways that are unnecessary or not implied by the legitimate use of the Website/Service.
Access to External Resources:
Through this Website, Users may access external resources provided by third parties. Users acknowledge and accept that the Owner has no control over such resources and therefore cannot be held responsible for their content and availability. Conditions applicable to any resources provided by third parties, including those concerning the granting of rights in content, are determined by the respective third-party terms and conditions or, if not available, by relevant statutory law.
This Website and the Service may only be used within the scope for which they are provided, as outlined in these Terms and as mandated by applicable law. Users are solely responsible for ensuring that their use of this Website and/or the Service complies with all relevant laws, regulations, and third-party rights.
Liability and Indemnification:
For Australian Users:
For US Users:
Disclaimer of Warranties:
This Website is offered “as is” and “as available.” Use of the Service is at the User’s own risk. To the maximum extent permitted by applicable law, the Owner explicitly disclaims all conditions, representations, and warranties — whether express, implied, statutory, or otherwise, including but not limited to any implied warranty of merchantability, fitness for a particular purpose, or non-infringement of third-party rights. Any advice or information, whether oral or written, obtained by the User from the Owner or through the Service, does not create any warranty not expressly stated in these Terms.
Without limiting the foregoing, the Owner and its subsidiaries, affiliates, licensors, officers, directors, agents, co-branders, partners, suppliers, and employees do not warrant that the content is accurate, reliable, or correct; that the Service will meet User’s requirements; that the Service will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Service is free of viruses or other harmful components. Any content downloaded or otherwise obtained through the use of the Service is downloaded at User’s own risk, and Users are solely responsible for any damage to their computer system or mobile device or loss of data resulting from such downloads or use of the Service.
The Owner does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Service or any hyperlinked website or service. The Owner shall not be a party to or monitor any transaction between Users and third-party providers of products or services.
The Service may become inaccessible or may not function properly with User’s web browser, mobile device, and/or operating system. The Owner cannot be held liable for any perceived or actual damages arising from Service content, operation, or use of this Service.
Federal law, some states, and other jurisdictions may not allow the exclusion and limitations of certain implied warranties. The above exclusions may not apply to Users. This Agreement grants Users specific legal rights, and Users may also have other rights that vary from state to state. The disclaimers and exclusions under this agreement shall not apply to the extent prohibited by applicable law.
Limitations of Liability:
To the maximum extent permitted by applicable law, in no event shall the Owner, its subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, or employees be liable for:
- Any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Service.
- Any damage, loss, or injury resulting from hacking, tampering, or other unauthorized access or use of the Service, User account, or the information contained therein.
- Any errors, mistakes, or inaccuracies of content.
- Personal injury or property damage, of any nature whatsoever, resulting from User access to or use of the Service.
- Any unauthorized access to or use of the Owner’s secure servers and/or any personal information stored therein.
- Any interruption or cessation of transmission to or from the Service.
- Any bugs, viruses, trojan horses, or the like that may be transmitted to or through the Service by any third party.
- Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Service.
No Waiver: The failure of the Owner to enforce any right or provision under these Terms shall not be construed as a waiver of that right or provision. No waiver shall be deemed a continuing waiver of such a term or any other term.
Service Interruption: To maintain the highest service standards, the Owner reserves the right to interrupt the Service for maintenance, system updates, or other necessary changes, with prior notice to Users.
Within the bounds of the law, the Owner may also opt to suspend or terminate the Service entirely. In the event of Service termination, the Owner will collaborate with Users to facilitate the retrieval of Personal Data or information in accordance with applicable legal requirements.
Additionally, circumstances beyond the Owner’s reasonable control, such as “force majeure” events (e.g., labor strikes, infrastructure failures, or blackouts, etc.), may render the Service temporarily unavailable.
Service Reselling: Users may not replicate, duplicate, copy, sell, resell, or exploit any portion of this Website or its Service without the explicit prior written consent of the Owner, either provided directly or through a legitimate reselling program.
Intellectual Property Rights:
All intellectual property rights, including copyrights, trademark rights, patent rights, and design rights associated with this Website, are the exclusive property of the Owner or its licensors.
Any trademarks and all other marks, trade names, service marks, wordmarks, illustrations, images, or logos associated with this Website and/or the Service are the exclusive property of the Owner or its licensors.
These intellectual property rights are safeguarded by applicable laws and international treaties governing intellectual property.
Changes to these Terms:
The Owner reserves the right to modify or amend these Terms at any time. In such instances, the Owner will duly inform Users of these revisions.
Such alterations will apply solely to future interactions between the User and the Owner. Continued use of the Website and/or the Service following any changes indicates the User’s acceptance of the updated Terms. Refusal to accept the revised Terms may provide either party the right to terminate the Agreement.
If mandated by applicable law, the Owner will specify the effective date of the modified Terms.
Assignment of Contract:
The Owner retains the right to transfer, assign, dispose of, or subcontract any or all rights under these Terms. Provisions pertaining to changes in these Terms will be applicable accordingly.
Users may not assign or transfer their rights or obligations under these Terms in any manner without the written consent of the Owner.
All communication related to the use of this Website must be directed to the contact information provided in this document.
Should any provision of these Terms be deemed invalid or unenforceable under applicable law, the invalidity or unenforceability of such provision shall not affect the validity of the remaining provisions, which shall remain in full force and effect.
In the event that a provision of these Terms is deemed void, invalid, or unenforceable, the parties shall make every effort to amicably agree on valid and enforceable provisions to replace the void, invalid, or unenforceable parts.
In cases of failure to reach such an agreement, the void, invalid, or unenforceable provisions shall be replaced by the applicable statutory provisions, if permitted or mandated under the applicable law.
Notwithstanding the above, the nullity, invalidity, or impossibility to enforce a particular provision of these Terms shall not invalidate the entire Agreement unless the severed provisions are integral to the Agreement or of such significance that the parties would not have entered into the contract had they known the provision would not be valid. Such a situation shall only arise if enforcing the remaining provisions would result in undue hardship on any of the parties.
Any invalid or unenforceable provision shall be interpreted, construed, and reformed to the extent necessary to make it valid, enforceable, and consistent with its original intent. These Terms constitute the complete agreement between Users and the Owner regarding their subject matter, superseding all other communications, including but not limited to prior agreements, between the parties concerning such subject matter. These Terms will be enforced to the fullest extent permitted by applicable law.
These Terms are governed by the laws of the jurisdiction where the Owner is located, as indicated in the relevant section of this document, without regard to principles of conflict of laws.
Exception for European Consumers:
Notwithstanding the above, if the User qualifies as a European Consumer and maintains habitual residence in a country where the law provides for a higher standard of consumer protection, those higher standards shall prevail.
Venue of Jurisdiction:
Exclusive jurisdiction to resolve any disputes arising from or related to these Terms rests with the courts of the jurisdiction where the Owner is based, as disclosed in the relevant section of this document.
Exception for European Consumers:
The above does not apply to Users qualifying as European Consumers or to Consumers based in Switzerland, Norway, or Iceland.