Terms of Service

Effective Date: January 1, 2024

1. Agreement to Terms

By accessing and using Hankykroleek's financial services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using our services.

2. Financial Services Overview

Hankykroleek provides comprehensive trading training services including educational content, analytics support, and financial guidance. Our services are designed to enhance your understanding of financial markets and trading strategies.

3. Loan Terms and Conditions

3.1 Loan Eligibility

Loan eligibility is determined based on creditworthiness, income verification, debt-to-income ratio, and other financial factors. All applications are subject to approval and verification processes.

3.2 Loan Amounts and Terms

• Minimum loan amount: $1,000
• Maximum loan amount: $500,000
• Loan terms range from 12 months to 84 months
• Early repayment options available without penalties

4. Interest Rates and APR

Interest rates are determined based on multiple factors including:

• Credit score and credit history
• Loan amount and term length
• Current market conditions
• Debt-to-income ratio

Annual Percentage Rates (APR) range from 5.99% to 35.99%. Your specific rate will be disclosed during the application process and confirmed in your loan agreement.

5. Fees and Charges

5.1 Origination Fees

Origination fees range from 1% to 6% of the loan amount, depending on loan terms and creditworthiness.

5.2 Late Payment Fees

Late payment fees of $25 or 5% of the payment amount (whichever is greater) will be charged for payments received more than 10 days after the due date.

5.3 Returned Payment Fees

A fee of $35 will be charged for any returned or insufficient funds payments.

6. Borrower Obligations

As a borrower, you agree to:

• Provide accurate and complete information during the application process
• Make timely payments according to the agreed schedule
• Notify us immediately of any changes to your contact information
• Maintain adequate insurance on any collateral
• Use loan funds only for the stated purpose
• Comply with all applicable laws and regulations

7. Default Conditions

You will be considered in default if:

• Payment is more than 30 days past due
• You provide false or misleading information
• You file for bankruptcy or become insolvent
• You violate any terms of this agreement
• Collateral is damaged, destroyed, or significantly depreciates

7.1 Consequences of Default

In case of default, we may accelerate the loan, demand immediate payment of the full balance, report to credit bureaus, initiate collection proceedings, and exercise any rights regarding collateral.

8. Trading and Analytics Services

Our trading training and analytics support services are provided for educational purposes. Past performance does not guarantee future results. All trading involves risk, and you should never invest more than you can afford to lose.

9. Privacy and Data Protection

Your privacy is important to us. We collect, use, and protect your personal information in accordance with our Privacy Policy, which is incorporated by reference into these Terms of Service. We may share information with credit bureaus, regulatory agencies, and service providers as necessary to provide our services.

10. Legal Disclaimers

10.1 No Warranty

Our services are provided "as is" without any warranties, express or implied. We do not guarantee the accuracy, completeness, or timeliness of any information provided.

10.2 Limitation of Liability

Our liability is limited to the amount of fees paid by you. We are not liable for any indirect, incidental, special, or consequential damages arising from the use of our services.

11. Governing Law and Dispute Resolution

These terms are governed by the laws of the state where our principal office is located. Any disputes will be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

12. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on our website. Continued use of our services constitutes acceptance of the modified terms.

13. Contact Information

For questions about these Terms of Service, please contact us at:

Last updated: January 1, 2024