{"id":4811,"date":"2022-07-25T17:36:21","date_gmt":"2022-07-25T09:36:21","guid":{"rendered":"http:\/\/loanpanda.com.my\/staging-test\/?page_id=4811"},"modified":"2022-09-23T14:43:47","modified_gmt":"2022-09-23T06:43:47","slug":"terms-and-conditions","status":"publish","type":"page","link":"https:\/\/loanpanda.com.my\/test\/terms-and-conditions\/","title":{"rendered":"Terms and Conditions"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1658740466177{margin-top: 64px !important;margin-bottom: 16px !important;}&#8221;]<\/p>\n<h1>Terms and Conditions<\/h1>\n<p>[\/vc_column_text][vc_column_text el_id=&#8221;updated-date&#8221; css=&#8221;.vc_custom_1658740478511{margin-bottom: 24px !important;}&#8221;]Last updated: July 07, 2021[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740489079{margin-bottom: 38px !important;}&#8221;]Please read these terms and conditions carefully before using Our Service.[\/vc_column_text][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(17,32,47,0.15)&#8221; css=&#8221;.vc_custom_1658740539952{margin-bottom: 38px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1658740762005{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Interpretation and Definitions<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740782178{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h3>Interpretation<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740804543{margin-bottom: 16px !important;}&#8221;]The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740829379{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h3>Definitions<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740943641{margin-bottom: 0px !important;}&#8221;]For the purposes of these Terms and Conditions:[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740930476{margin-bottom: 40px !important;}&#8221;]<\/p>\n<ul>\n<li><strong>Affiliate<\/strong> means an entity that controls, is controlled by or is under common control with a party, where &#8220;control&#8221; means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.<\/li>\n<li><strong>Country<\/strong> refers to: Malaysia<\/li>\n<li><strong>Company<\/strong> (referred to as either &#8220;the Company&#8221;, &#8220;We&#8221;, &#8220;Us&#8221; or &#8220;Our&#8221; in this Agreement) refers to LOANPANDA SDN BHD, 10\u00ad-02, JALAN KEMPAS UTAMA 2\/2 TAMAN KEMPAS UTAMA 81200 JOHOR BAHRU JOHOR MALAYSIA.<\/li>\n<li><strong>Device<\/strong> means any device that can access the Service such as a computer, a cellphone or a digital tablet.<\/li>\n<li><strong>Service<\/strong> refers to the Website.<\/li>\n<li><strong>Terms and Conditions<\/strong> (also referred as &#8220;Terms&#8221;) mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.<\/li>\n<li><strong>Third-party Social Media Service<\/strong> means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.<\/li>\n<li><strong>Website<\/strong> refers to LOANPANDA, accessible from <a href=\"https:\/\/loanpanda.com.my\">https:\/\/loanpanda.com.my<\/a><\/li>\n<li><strong>You<\/strong> means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741000190{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Acknowledgment<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741013832{margin-bottom: 16px !important;}&#8221;]These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741027741{margin-bottom: 16px !important;}&#8221;]Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741040211{margin-bottom: 16px !important;}&#8221;]By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741056548{margin-bottom: 16px !important;}&#8221;]You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741070147{margin-bottom: 40px !important;}&#8221;]Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741160821{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Links to Other Websites<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741174639{margin-bottom: 16px !important;}&#8221;]Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741194282{margin-bottom: 16px !important;}&#8221;]The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741205177{margin-bottom: 40px !important;}&#8221;]We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741226807{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Termination<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741245194{margin-bottom: 16px !important;}&#8221;]We may terminate or suspend Your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741257789{margin-bottom: 40px !important;}&#8221;]Upon termination, Your right to use the Service will cease immediately.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741270037{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Limitation of Liability<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741284373{margin-bottom: 16px !important;}&#8221;]Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven&#8217;t purchased anything through the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741296847{margin-bottom: 16px !important;}&#8221;]To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and\/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741307355{margin-bottom: 40px !important;}&#8221;]Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party&#8217;s liability will be limited to the greatest extent permitted by law.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741327559{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>&#8220;AS IS&#8221; and &#8220;AS AVAILABLE&#8221; Disclaimer<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741342615{margin-bottom: 16px !important;}&#8221;]The Service is provided to You &#8220;AS IS&#8221; and &#8220;AS AVAILABLE&#8221; and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741356895{margin-bottom: 16px !important;}&#8221;]Without limiting the foregoing, neither the Company nor any of the company&#8217;s provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741368561{margin-bottom: 40px !important;}&#8221;]Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741382437{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Governing Law<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741395979{margin-bottom: 40px !important;}&#8221;]The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741410013{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Disputes Resolution<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741425246{margin-bottom: 40px !important;}&#8221;]If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741441330{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Severability and Waiver<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741453349{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h3>Severability<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741466664{margin-bottom: 16px !important;}&#8221;]If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741705940{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h3>Waiver<\/h3>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741493151{margin-bottom: 40px !important;}&#8221;]Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not effect a party&#8217;s ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741510426{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Translation Interpretation<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741523103{margin-bottom: 16px !important;}&#8221;]These Terms and Conditions may have been translated if We have made them available to You on our Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741533583{margin-bottom: 40px !important;}&#8221;]You agree that the original English text shall prevail in the case of a dispute.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741547449{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Changes to These Terms and Conditions<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741577072{margin-bottom: 16px !important;}&#8221;]We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days&#8217; notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741584195{margin-bottom: 40px !important;}&#8221;]By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741598157{margin-bottom: 16px !important;}&#8221;]<\/p>\n<h2>Contact Us<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741612161{margin-bottom: 16px !important;}&#8221;]If you have any questions about these Terms and Conditions, You can contact us:[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658741626735{margin-bottom: 53px !important;}&#8221;]<\/p>\n<ul>\n<li>By email: info@loanpanda.com.my<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1662354133900{background-color: #f5f5f5 !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][\/vc_column][vc_column width=&#8221;6\/12&#8243; css=&#8221;.vc_custom_1658198808293{margin-top: 86px !important;margin-bottom: 86px !important;}&#8221; el_id=&#8221;footer-on-top&#8221;][vc_column_text css=&#8221;.vc_custom_1663400130590{margin-bottom: 8px !important;}&#8221;]<\/p>\n<h1 class=\"font-purple-primary\">We Are Here to Help<\/h1>\n<p>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1663400216839{margin-bottom: 24px !important;}&#8221; el_id=&#8221;footer-on-top-subtitle&#8221;]Our mission is to deliver reliable, up-to-date tips &amp; advice[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1663400238836{margin-bottom: 8px !important;}&#8221; el_id=&#8221;footer-on-top-contact-info&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4075\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/phone-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> 011-5508 9898[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1661765868059{margin-bottom: 36px !important;}&#8221; el_id=&#8221;footer-on-top-contact-info&#8221;]<img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4074\" src=\"https:\/\/loanpanda.com.my\/test\/wp-content\/uploads\/2022\/07\/email-dark.png\" alt=\"\" width=\"16\" height=\"16\" \/> official@loanpanda.com.my<\/p>\n<div class=\"wpb_column vc_column_container vc_col-sm-4\">\n<div class=\"vc_column-inner vc_custom_1658194870021\">\n<div class=\"wpb_wrapper\">\n<div id=\"footer-top-right-img\" class=\"wpb_text_column wpb_content_element \">\n<div class=\"wpb_wrapper\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner el_id=&#8221;footer-on-top-btn-left&#8221; css=&#8221;.vc_custom_1663400583680{margin-bottom: 16px !important;padding-left: 0px !important;}&#8221;]\n            <a class=\"btn  btn-custom btn-rounded \" href=\"\/consultant\" style=\"background-color:#ff5959;color:#ffffff;\">Meet The Consultant<\/a>\n    \n    [\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;4\/12&#8243; el_id=&#8221;footer-on-top-img&#8221; offset=&#8221;vc_hidden-xs&#8221;][vc_single_image image=&#8221;4634&#8243; img_size=&#8221;full&#8221;][\/vc_column][vc_column width=&#8221;1\/12&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text css=&#8221;.vc_custom_1658740466177{margin-top: 64px !important;margin-bottom: 16px !important;}&#8221;] Terms and Conditions [\/vc_column_text][vc_column_text el_id=&#8221;updated-date&#8221; css=&#8221;.vc_custom_1658740478511{margin-bottom: 24px !important;}&#8221;]Last updated: July 07, 2021[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740489079{margin-bottom: 38px !important;}&#8221;]Please read these terms and conditions carefully before using Our Service.[\/vc_column_text][vc_separator color=&#8221;custom&#8221; accent_color=&#8221;rgba(17,32,47,0.15)&#8221; css=&#8221;.vc_custom_1658740539952{margin-bottom: 38px !important;}&#8221;][vc_column_text css=&#8221;.vc_custom_1658740762005{margin-bottom: 16px !important;}&#8221;] Interpretation and Definitions [\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740782178{margin-bottom: 8px !important;}&#8221;] Interpretation [\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1658740804543{margin-bottom: 16px !important;}&#8221;]The words of which the [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","inline_featured_image":false,"footnotes":""},"class_list":["post-4811","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4811","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/comments?post=4811"}],"version-history":[{"count":10,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4811\/revisions"}],"predecessor-version":[{"id":6892,"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/pages\/4811\/revisions\/6892"}],"wp:attachment":[{"href":"https:\/\/loanpanda.com.my\/test\/wp-json\/wp\/v2\/media?parent=4811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}