Terms of Service

This Agreement is entered into by QR Technologies Co., Ltd. to provide lending services through its platform. All loan terms accepted by the user shall be strictly governed by the provisions set forth herein.

By clicking “Accept” or continuing to use the services, the user acknowledges that they have read, understood, and agreed to be legally bound by all terms and conditions of this Agreement in full.

If the user does not agree with any part of this Agreement, the user must immediately cease using the platform. The Company reserves the right to amend this Agreement at its sole discretion. Any amendments shall become effective upon publication on the platform.

Eligibility

Users must meet the following criteria:

• Be at least 20 years of age
• Have a stable source of income
• Maintain a bank account under their own name
• Provide complete and accurate information and documentation

   

Clause 1: Definitions

1. “Applicable Laws” means all relevant laws, regulations, rules, and governmental orders.
2. “Amount Payable” means the total amount payable by the borrower, including principal, interest, and any applicable charges.
3. “Business Day” means a day on which the lender operates its business.
4. “Borrower” means an individual who applies for a loan through the application.
5. “Agreement” means these terms and conditions.
6. “OunjaiCash Application” means the mobile application used for loan applications.
7. “Disbursement Date” means the date on which the lender transfers the loan to the borrower.
8. “Disbursement Amount” means the amount received by the borrower.
9. “Due Date” means the date on which repayment is required.
10. “Default” means failure to repay as agreed.

     

Clause 2: Account Registration

The borrower must register through the Ounjai Cash application to obtain a customer account. Once registered, the borrower may submit multiple loan applications.

If there are any changes to the borrower’s information, such as address, income, or bank account details, the borrower must notify the Company within 30 days.

Clause 3: Loan Disbursement

The borrower must submit a loan application via the application and confirm the requested loan amount. Upon successful verification, the lender will transfer the approved loan amount to the borrower’s registered bank account.

The borrower agrees to use the loan only for lawful purposes and shall not use the funds for illegal activities, gambling, or speculative purposes.

Clause 4: Transfer of Funds

Upon approval, the lender will transfer the loan amount to the borrower’s registered bank account.

Clause 5: Suspension or Cancellation

The lender reserves the right to suspend or cancel the loan if the borrower breaches any terms of this Agreement or fails to meet repayment obligations.

Clause 6: Repayment Methods

Repayment may be made through the following channels:

• Online banking transfer
• Deposit to the lender’s designated account
• Submission of payment details via email

   

Clause 7: Fees and Taxes

The borrower shall be responsible for any applicable fees, taxes, and charges related to the loan agreement, as required by law.

Clause 8: Representations and Warranties

The borrower represents and warrants that all information provided to the lender is true, accurate, and not misleading in any respect.

Clause 9: Default

In the event of default, the lender reserves the right to demand immediate repayment of the outstanding loan amount, including accrued interest and any applicable penalties.

Clause 10: Termination

This Agreement shall become effective upon the user’s acceptance and shall remain in effect until terminated or fulfilled in accordance with its terms.

Clause 11: Compliance with Laws

The lender reserves the right to verify user information and take necessary actions in compliance with applicable laws to prevent fraud, money laundering, and financial crimes.

Clause 12: Dispute Resolution

In the event of any dispute, both parties shall first attempt to resolve the matter amicably. If no resolution can be reached, the dispute may be submitted to the competent court of jurisdiction.

Clause 13: Assignment

The borrower may not assign or transfer any rights or obligations under this Agreement without prior 

written consent from the lender.

Clause 14: Borrower’s Declaration

The borrower confirms that they are at least 20 years of age and have the legal capacity to enter into this Agreement.

Clause 15: Contact Information

Customer Service Email: customerservice@qrtec.co.th

Office Address: 135/37, Floor 12A, Amornphan 205 Tower 2 Soi Nathong, Ratchadaphisek Road,
Din Daeng, Din Daeng District, Bangkok 10400, Thailand