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Terms of Use

Welcome to Creditsms, a loan comparison platform designed to assist users in making informed financial decisions. By accessing and using our services, you agree to the following Terms of Use. Please read carefully.

1. Acceptance of Terms

By using Creditsms, you acknowledge and agree to these Terms of Use. If you do not agree, please refrain from using our platform.

2. Use of the Platform

Creditsms is intended to provide loan comparison services for informational purposes only. We do not offer financial advice or loans. Users are responsible for verifying any information before making financial decisions. We do not guarantee the accuracy, completeness, or suitability of the information provided.

3. User Responsibilities

  • You must be at least 18 years old and a resident of Malaysia to use Creditsms.
  • You agree to use our platform for lawful purposes only and will not engage in any activities that could harm the platform, its users, or any third party.
  • You understand that any decisions made based on our loan comparisons are at your own risk.

4. Privacy

We value your privacy. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to the processing of your data as outlined in our Privacy Policy.

5. Intellectual Property

All content on Creditsms, including text, logos, and design, is the property of Creditsms or its content providers and is protected by copyright and trademark laws. You may not use, reproduce, or distribute our content without written permission.

6. Third-Party Links

Our platform may contain links to third-party websites for your convenience. We are not responsible for the content or practices of these external sites. Use these links at your own risk.

7. Limitation of Liability

Creditsms is not liable for any direct, indirect, incidental, or consequential damages arising from the use of our platform or any loan decisions made based on the information provided. We do not guarantee the availability or suitability of loans featured.

8. Modifications to Terms

We reserve the right to update or modify these Terms of Use at any time. Any changes will be posted on our website. Continued use of our platform constitutes your acceptance of the modified terms.

9. Governing Law

These Terms of Use are governed by the laws of Malaysia. Any disputes arising will be subject to the jurisdiction of Malaysian courts.

For questions or concerns, please contact us at info@creditsms.com.