Risk Disclosure

1. Borrowing Risk

Taking out a loan creates a legal obligation to repay the principal amount plus agreed interest within the timeframe specified in your Loan Agreement. Failure to meet repayment obligations may result in serious financial and legal consequences, including debt recovery proceedings and legal action.

Before applying, you should carefully consider whether you can afford the repayments based on your current income and outgoings.

2. Interest and Total Cost of Borrowing

All loans from Lendexs carry an agreed rate of interest, which increases the total amount you repay above the principal borrowed. The longer the term of your loan, the more interest you will pay in total. The interest rate and full repayment schedule will be clearly stated in your Loan Agreement before you are asked to sign.

Use our online calculator as a guide only — actual rates are agreed personally and may differ.

3. Consequences of Default

If you fail to make repayments as agreed in your Loan Agreement, Lendexs reserves the right to:

• Issue a formal written demand for immediate repayment of the outstanding balance
• Charge additional costs as specified in the Loan Agreement
• Refer the debt to a third-party debt recovery service
• Commence legal action to recover the outstanding amount, including through the courts

We strongly encourage all borrowers to contact us immediately if they anticipate difficulty meeting a repayment, so we can work together to find a solution before formal action is required.

4. Independent Lender — Not a Regulated Bank

Lendexs is an independent lending service. We are not a bank, credit union, or regulated financial institution. Loans from Lendexs are direct lending arrangements governed by contract law. Borrowers should understand that the consumer protections that apply to regulated financial products may not apply to direct loans.

We recommend that all borrowers seek independent financial advice before entering into any loan agreement.

5. Currency and Transfer Risk

Lendexs serves borrowers worldwide and loans may be disbursed in a variety of currencies by international bank transfer. Borrowers should be aware that currency exchange rates may fluctuate, and any conversion costs associated with receiving or repaying the loan are the responsibility of the borrower unless otherwise stated in the Loan Agreement.

6. Responsible Borrowing

We encourage all applicants to borrow responsibly. Ask yourself:

• Can I comfortably afford the monthly repayments from my current income?
• Do I have a stable income that will continue throughout the loan term?
• Have I considered what would happen if my circumstances changed?
• Am I borrowing for a legitimate and productive purpose?

If the answer to any of these questions is uncertain, please consider carefully before applying.

7. Contact Us

If you have questions about borrowing risks or would like to discuss your situation before applying, please contact us at:

Email: contact@lendexs.com
Website: www.lendexs.com