The specific agreement presented and accepted in the app governs the Company as lender (“Party A”) and the approved applicant as borrower (“Party B”). The borrower must review disclosures, schedule, and all charges before accepting. An application does not guarantee approval.

Borrowers must be at least 18, legally capable, provide accurate information, and permit lawful verification. We assess identity, income, obligations, affordability, and fraud risk. We may request documents, decline, or offer a lower amount without unlawful discrimination.

• Principal: ฿2,000–฿20,000, subject to approval
• Term: 90–180 days
• Annual interest: 12%–34%, subject to contract and applicable law
• 3 or 6 installments, where offered

Example: ฿10,000 principal for 180 days at 24% annual interest, repaid in 6 monthly reducing-balance installments. Approximate payment ฿1,786, interest ฿715, total ฿10,715.

Actual day counts and formula may vary. The pre-acceptance schedule controls for that borrower. Any legally permitted fee will be named and disclosed before acceptance; undisclosed charges will not be collected.

We must provide accurate disclosures, protect data, assess fairly, disburse as agreed, issue payment records, support complaints, and use lawful, respectful debt servicing without harassment or disclosure to unrelated persons.

The borrower must provide truthful information, use their own account, safeguard OTP/passwords, review the schedule, pay in full on time, report material changes, and contact us early if repayment difficulty is expected. Illegal use, document fraud, and assignment are prohibited.

Borrowers may request early repayment. We calculate the outstanding amount under contract and law; any fee must be disclosed. Payment is complete when received and recorded. Keep receipts and report discrepancies promptly.

On default, we may charge only contractually disclosed and legally permitted default interest, collection, or related costs, calculated on the legally permitted basis. We will explain the amount and assistance channels. Default may affect credit history and lead to lawful collection, termination, or proceedings.

The borrower may be liable for principal, interest, default amounts, and court/enforcement costs allowed by law. We do not threaten, shame, or use violence and may consider restructuring where appropriate.

Contact developer@muangthaipalaterlat.com or +66 94 269 1241 with a reference number. We will acknowledge, investigate, and respond reasonably. Parties should attempt good-faith negotiation or mediation first. Borrowers retain rights to complain to regulators/consumer authorities and use competent Thai courts. Mandatory legal rights are not waived.

Neither party is liable for delays beyond reasonable control, but must mitigate and notify. We will not arbitrarily change agreed contract costs. Amendments follow contract and law. Invalid provisions do not affect the remainder. Thai law applies, and the borrower’s accepted specific agreement prevails over these general terms where lawful.