Terms of Service

1. Agreement Overview

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Borrower," "Client," or "you") and Chinaskyeye ("Company," "we," "us," or "our"). By accessing our services, applying for financial products, or engaging with our consulting services, you acknowledge that you have read, understood, and agree to be bound by these Terms.

Our results-driven consulting approach is designed to provide comprehensive financial solutions tailored to your specific needs and circumstances.

2. Financial Services and Products

2.1 Loan Products

We offer various loan products including but not limited to personal loans, business loans, mortgage refinancing, and debt consolidation services. Each loan product is subject to specific terms, conditions, and eligibility requirements.

2.2 Interest Rates and APR

Interest rates are determined based on creditworthiness, loan amount, term length, and current market conditions. Annual Percentage Rates (APR) will be clearly disclosed in your loan agreement and may range from 5.99% to 35.99% depending on qualification factors.

2.3 Loan Terms

• Loan amounts: $1,000 to $500,000 depending on product type
• Repayment terms: 12 to 360 months based on loan type
• Payment frequency: Monthly payments unless otherwise specified
• Prepayment: Allowed without penalty on most products

3. Fees and Charges

3.1 Origination Fees

Origination fees may apply and typically range from 1% to 6% of the loan amount. These fees will be clearly disclosed before loan approval and may be financed into the loan amount or paid upfront.

3.2 Late Payment Fees

Late payment fees of $25 to $50 may be charged for payments received more than 15 days after the due date. Additional fees may apply for returned payments due to insufficient funds.

3.3 Other Fees

• Document preparation fee: $50 to $200
• Wire transfer fee: $25 per transaction
• Loan modification fee: $150 to $500
• Third-party fees as applicable (appraisal, title, etc.)

4. Borrower Obligations and Responsibilities

4.1 Accurate Information

You agree to provide accurate, complete, and truthful information in all applications and communications. Misrepresentation of facts may result in loan denial, acceleration of payment, or legal action.

4.2 Timely Payments

You are obligated to make all payments on time according to the agreed schedule. Payments must be received by the due date to avoid late fees and potential negative credit reporting.

4.3 Insurance Requirements

For secured loans, you must maintain adequate insurance coverage on collateral property. Proof of insurance must be provided and maintained throughout the loan term.

4.4 Change Notifications

You must promptly notify us of any changes to your contact information, employment status, financial condition, or other material circumstances that may affect your ability to repay the loan.

5. Default Conditions and Remedies

5.1 Events of Default

Default occurs when:

• Payment is more than 30 days past due
• Borrower files for bankruptcy or becomes insolvent
• Material misrepresentation is discovered
• Collateral is damaged, destroyed, or sold without permission
• Borrower violates any other material term of the agreement

5.2 Remedies

Upon default, we may exercise various remedies including but not limited to acceleration of the entire balance, collection activities, repossession of collateral, and legal action to recover amounts owed plus costs and attorney fees.

6. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of personal information is governed by our Privacy Policy, which is incorporated by reference into these Terms. We may share information with affiliates, service providers, and as required by law.

By using our services, you consent to our privacy practices and authorize us to obtain credit reports and verify information with third parties as necessary for underwriting and servicing purposes.

7. Consulting Services

Our results-driven consulting services are provided on a professional basis to help clients achieve their financial objectives. Consulting fees are separate from loan products and will be clearly disclosed in separate service agreements.

While we strive to provide valuable insights and recommendations, consulting services do not guarantee specific outcomes or results. Client success depends on various factors including market conditions and implementation of recommendations.

8. Legal Disclaimers and Limitations

8.1 Limitation of Liability

Our liability is limited to the extent permitted by law. We are not liable for indirect, consequential, or punitive damages arising from the use of our services or any delays, errors, or omissions in service delivery.

8.2 Force Majeure

We are not responsible for delays or failures in performance due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

8.3 Governing Law

These Terms are governed by applicable federal and state laws. Any disputes will be resolved through binding arbitration or in courts of competent jurisdiction.

9. Modifications and Updates

We reserve the right to modify these Terms at any time with appropriate notice. Continued use of our services after modifications constitutes acceptance of the updated Terms. Material changes will be communicated through email or posted notices.

10. Contact Information

For questions regarding these Terms or our services, please contact us: