Terms and Conditions of Use

1. Introduction

Welcome to Binixo, accessible at https://binixo.my (the "Website").

The Website is operated by INFINSA LTD (Registration No. HE 472348), located at Griva Digeni 49, 5th Floor, Office 51, 6036 Larnaca, Cyprus ("Binixo", "we", "us").

These Terms and Conditions set out the rules for using the Website and the services provided through our platform. Please read them before using our services or submitting a financing request.

2. Acceptance of Terms

By using the Website or submitting a request through our platform, you agree to be bound by these Terms and Conditions.

Before submitting a form, you will be asked to confirm your acceptance of these Terms and Conditions and to acknowledge that you have read our Privacy Policy.

If you do not agree with these Terms and Conditions, please do not use the Website or submit a financing request.

These Terms and Conditions should be read together with the Privacy Policy available on the Website.

3. User Eligibility

Our services are intended for individuals who:

• Are at least 18 years old;
• Have the legal capacity to make the relevant requests and agreements;
• Provide true and accurate information;
• Use the Website for lawful purposes.

Eligibility requirements for each financing product are set by the relevant financing provider and may vary by age, income, employment status, place of residence and other factors.

Meeting the conditions for using Binixo does not mean you are eligible for a loan from any financing provider.

4. Nature of Binixo's Services

Binixo is an information and referral platform that helps users explore personal loan and financing options offered by third-party providers.

We may help users:

• Obtain information about financing options;
• Submit loan-related requests;
• Identify product categories or providers that may be relevant to the information provided;
• Connect with financing providers or referral partners.

Binixo is not a bank or a lender.

We do not issue loans, provide money to users, set interest or profit rates, determine repayment terms or make decisions on the approval of financing.

Any financing contract, if offered and accepted, is made directly between the user and the relevant financing provider. Binixo is not a party to that contract.

5. How Requests Are Processed

When you submit information through a Binixo form, our system may match your request with relevant product categories or financing partners and pass your information to them electronically.

Financing providers may contact you to obtain additional information, carry out an assessment or provide information about their products.

We do not guarantee that:

• Your request will be accepted by any particular provider;
• Any provider will contact you;
• Your application will be approved;
• The amount requested will be offered;
• Funds will be paid out within any particular period.

You are free to consider or decline any financing offer you receive.

6. Information and Terms of Financing Offers

Information displayed on the Website may include financing amounts, estimated terms, rates, instalments, eligibility conditions or other product information.

This information is provided for descriptive and comparison purposes only. Actual details may change and are subject to the assessment, documents and conditions of the relevant financing provider.

Before accepting an offer, please carefully check:

• The approved financing amount;
• The applicable interest or profit rate;
• The total amount repayable;
• The payment schedule and term;
• Applicable fees and charges;
• The consequences of late payment;
• Early repayment conditions;
• The terms of the financing agreement.

If there is any inconsistency between general information on the Website and the financing provider's offer documents or agreement, please refer to the financing provider's documents to determine the actual terms of the offer.

No information on the Website constitutes an offer or a guarantee of financing approval.

7. Cost of Service and Commercial Relationships

Binixo does not charge users for using the information and referral services provided through the Website.

Binixo may receive compensation from business partners, which may influence the products and partners displayed and the order in which they appear.

We do not display all financing products available on the market, and the position of an option does not mean it is the most suitable for every user.

Any fees, charges, interest or financing costs imposed by financing providers are subject to that provider's documents and agreements.

Binixo does not ask users to pay an upfront deposit to guarantee the approval or disbursement of a loan.

8. User Responsibilities

When using our services, you are responsible for:

• Providing true, accurate and up-to-date information;
• Ensuring that the information you submit is your own or that you have lawful authority to provide it;
• Checking your information before submitting a request;
• Providing additional documents to financing providers only through channels you trust;
• Reading and understanding the financing terms before agreeing to them;
• Assessing your own financial capacity before accepting a loan.

You must not use false information, impersonate another person or use the Website for unlawful purposes.

You are responsible for the consequences of any false or inaccurate information you provide, to the extent permitted by applicable law.

9. Personal Data and Communications

The collection, use and sharing of personal data through Binixo are explained in our Privacy Policy.

In providing our referral services, your request data is shared with relevant financing providers and partners, as described in the Privacy Policy and subject to applicable legal requirements.

Financing providers that receive your request may contact you about that request.

Marketing communications from Binixo by email, SMS, phone call, WhatsApp or other channels are sent only if you have agreed to receive them.

Accepting these Terms and Conditions is not treated as consent to receive marketing.

For enquiries about personal data, please contact support@binixo.my.

10. General Information, Not Financial Advice

The Website may contain articles, guides, calculations, tables, estimates or other information about loans, personal finance and debt management.

This content is intended to provide general information and is not financial, legal or tax advice tailored to your circumstances.

Calculations and examples use assumptions for illustration purposes; actual costs and terms must be confirmed with the relevant financing provider.

You are responsible for assessing your own financial situation and seeking professional advice where needed.

11. Third-Party Websites and Services

The Website may contain links to third-party websites, applications, advertisements or services.

Third-party providers are responsible for the products, application processes, agreements, communications and services they operate.

Their websites may have different terms of use and privacy policies.

Binixo does not control third-party services and is not responsible for them, except to the extent that such responsibility cannot be excluded under applicable law.

12. Prohibited Use of the Website

You must not:

• Knowingly submit false or misleading information;
• Use another person's identity or data without lawful authority;
• Attempt to access systems, accounts or information without authorisation;
• Upload malware or interfere with the security of the Website;
• Use bots, automated tools or other methods to misuse forms or services;
• Unlawfully copy, collect or exploit content or data from the Website;
• Use the services for fraudulent activity or purposes prohibited by law.

We may block or restrict access that breaches these Terms, subject to applicable law.

13. Intellectual Property

Unless otherwise stated, original content on the Website, including text, design, graphics, structure, arrangement of materials and Binixo brand elements, is owned by INFINSA LTD or used with the permission of the relevant rights holders.

You may read and use the content for lawful personal purposes.

Reproduction, distribution or commercial use of the content requires our written permission, except where permitted by law.

Rights to third-party brands, logos or content remain with their respective owners.

14. Website Availability

We aim to keep the Website usable and the information displayed relevant.

However, availability of the Website may be affected by maintenance, technical issues, network disruptions or other circumstances beyond our reasonable control.

We may change, improve, suspend or discontinue certain Website functions where necessary, subject to applicable law.

15. Limitation of Liability

Binixo provides information and referral services, not lending services.

The Website and its content are provided "as is" and "as available".

Binixo does not make credit decisions and does not guarantee the outcome of any assessment, the financing amount, rate, timing of payment or performance of any agreement by third-party financing providers.

Product information originating from third parties may change without notice.

To the maximum extent permitted by law, Binixo is not liable for:

• The decisions, actions, omissions or terms of financing providers and other third parties;
• Losses resulting from inaccurate information provided by users or third parties;
• Indirect or consequential losses arising from use of the Website.

Nothing in these Terms limits or excludes users' rights, liability for fraud or any other liability that cannot lawfully be excluded.

16. Enquiries, Complaints and Disputes

If you have an enquiry or complaint about the use of the Website or Binixo's services, please contact support@binixo.my.

Provide enough information for us to review your enquiry, but never send passwords, PINs or OTPs.

If your complaint concerns a credit decision, financing agreement, payment or the actions of a financing provider, please contact that provider directly.

Any dispute is subject to the applicable laws and procedures.

These Terms do not limit the mandatory rights of users in Malaysia or any other rights that cannot be waived under applicable law.

17. Changes to the Terms

We may update these Terms and Conditions to reflect changes in our services, technology, operations or legal requirements.

The latest version and its update date will be published on the Website.

Where changes require additional notice or consent, we will comply with applicable legal requirements.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue to apply to the extent permitted by law.

18. Contact Us

Website operator: INFINSA LTD

Company registration number: HE 472348

Registered address: Griva Digeni 49, 5th Floor, Office 51, 6036 Larnaca, Cyprus

Website: https://binixo.my

Email: support@binixo.my

Important Notice

Binixo is a financing information and referral platform, not a lender.

We do not issue loans or guarantee approval. All financing decisions, amounts, rates, charges and terms are determined by the relevant financing provider.

Please read the offer documents and assess your ability to repay before accepting any financing.