MARKJEEE CASH LOAN AGREEMENT

This Loan Agreement ("Agreement") governs the loan services provided through the MarkJeee Cash mobile application ("App"). By submitting a loan application, you ("Borrower") acknowledge that you have read, understood, and unconditionally accept all terms and conditions in this Agreement.

1. Lending Partner

Lending Entity: SUMISHO MOTOR FINANCE CORPORATION
SEC Registration Number: CS200917691
Lending License Number: 1007
Registered Address: 12TH FLOOR. PSBANK CENTRE , 777 PASEO DE ROXAS COR. SEDENO , CITY OF MAKATI, FOURTH DISTRICT, NATIONAL CAPITAL REGION (NCR)

MarkJeee Cash is the official digital lending platform provided by SUMISHO MOTOR FINANCE CORPORATION, a legitimate financing company registered with the Securities and Exchange Commission (SEC) of the Republic of the Philippines. Our operations comply with all applicable lending laws and regulations.

2. Loan Product Details

Loan Amount Range: ₱2,000 – ₱50,000
Loan Term Range: 91 days – 180 days
Annual Percentage Rate (APR): 8% – 20%

Illustrative Example:
Loan Principal: ₱2,000
Term: 91 days
APR: 8%
Total Interest: ≈ ₱39.89
Total Amount Due at Maturity: ₱2,039.89

(Actual terms will be shown in your individual loan contract inside the App before you accept.)

3. Loan Application and Approval

You must provide accurate, complete, and truthful information.

We will perform credit evaluation, identity verification, and risk analysis.

Approval or rejection is at our sole discretion.

Upon approval, the loan amount will be disbursed to your registered bank account, e-wallet (GCash/PayMaya), or over-the-counter pickup point (if available).

4. Repayment Terms

Due Date: As specified in your loan contract (91 to 180 days after disbursement).

Repayment Methods: Bank transfer, GCash, PayMaya, or other channels shown in the App.

Partial Prepayment: Allowed without penalty. Any prepayment will first be applied to interest and fees, then to principal.

Full Prepayment: You may repay the entire outstanding balance before maturity with no additional fees.

5. Late Payment and Default

If you fail to pay the total amount due on or before the due date:

Your account will be marked as delinquent.

We may:

Suspend your access to future loans.

Engage lawful collection agencies or legal counsel.

Initiate legal action to recover outstanding debt and legal costs.

Continued default may damage your credit standing and lead to legal consequences.

6. Borrower's Representations and Responsibilities

You hereby represent and warrant that:

You are at least 18 years old and a resident of the Philippines.

All information provided is true, accurate, and complete.

You will use the loan for lawful purposes only.

You will promptly notify us of any change in contact details or financial situation.

You fully understand your repayment obligation and have assessed your ability to repay.

7. Data Privacy Consent

By using MarkJeee Cash and accepting this Agreement, you expressly consent to the collection, use, processing, storage, and disclosure of your personal and financial information as described in our Privacy Policy (which is incorporated by reference into this Agreement). You also agree to receive electronic communications regarding your loan.

8. Acknowledgment of Risk

You acknowledge that taking a loan is a serious financial responsibility. Before accepting any loan offer, you are solely responsible for assessing your ability to repay. Failure to repay may:

Negatively affect your credit history.

Lead to additional fees and collection actions.

Affect your ability to obtain credit from other financial institutions.

9. Amendments

We may amend this Agreement from time to time. Any material change will be notified via the App or email. Your continued use of the loan or acceptance of a new loan after the effective date of changes constitutes your acceptance of the amended terms.

10. Contact Information

If you have any questions, concerns, loan inquiries, or wish to exercise your legal rights, please contact us at:
Email: support@markjeeesoftware.com

By using MarkJeee Cash, you confirm that you have read, understood, and agree to this Privacy Policy and Loan Agreement.