Terms of Service

1. Introduction

Welcome to the People Development Fund (PDF) ("we," "our," "us"). These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these terms.

2. Eligibility

To use our services, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By using our services, you represent and warrant that you meet these requirements.

3. Services

PDF provides financial services, including loans, financial literacy programs, and business development training. These services are subject to the terms and conditions outlined in this agreement.

4. User Responsibilities

You agree to:

• Provide accurate and complete information when applying for services.
• Use our services only for lawful purposes.
• Not engage in any activity that disrupts or interferes with our services.

5. Loan Terms

Loans provided by PDF are subject to specific terms, including:

• Interest rates and repayment periods as outlined in your loan agreement.
• Penalties for late repayment or default.
• Deduction of repayments through payroll systems (for civil servants).

6. Intellectual Property

All content on our website, including text, graphics, logos, and images, is the property of PDF and is protected by intellectual property laws. You may not use, reproduce, or distribute our content without prior written permission.

7. Limitation of Liability

PDF is not liable for any indirect, incidental, or consequential damages arising from your use of our services. Our liability is limited to the maximum extent permitted by law.

8. Changes to Terms

We may update these Terms of Service from time to time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of our services constitutes acceptance of the updated terms.

9. Governing Law

These Terms of Service are governed by the laws of Malawi. Any disputes arising from these terms will be resolved in the courts of Malawi.

10. Contact Us

If you have any questions about these Terms of Service, please contact us at:

• Email: [Insert Email Address]
• Phone: [Insert Phone Number]
• Address: [Insert Physical Address]