Terms of Use

Introduction

These Terms of Use govern your access to and use of the digital financial-service platform operated by SELENA, LLC. Please read them carefully before proceeding. Using any feature of the platform indicates your acceptance of these Terms.

Eligibility

• Users must be aged 18 or over and legally capable of entering binding agreements.
• Complete and truthful information is required at all stages — application, verification, and ongoing service use.
• You are solely responsible for all actions taken through your account or using your access credentials.

Scope of service

SELENA, LLC provides a digital interface through which users may apply for loan products, undergo identity verification, manage repayments, and communicate with support. All final credit arrangements are governed by the individual agreement concluded upon approval — not by the platform interface alone.

Acceptable use

• Use the service only for its stated purpose and in accordance with applicable law.
• Do not submit inaccurate, incomplete, or deceptive information.
• Do not attempt to circumvent security measures, access accounts that are not yours, or disrupt platform operations.
• Do not reproduce, distribute, or adapt platform content without written authorisation.

Informational disclosures

Rates, amounts, fees, APR figures, and calculation examples presented within the platform are provided for informational purposes. They are not binding offers. Your individual terms are finalised and communicated only after completing the approval process and signing the relevant agreement.

Data and privacy

Personal data is processed in line with SELENA, LLC's Privacy Policy, which is available separately. Continuing to use the platform constitutes acknowledgement of those practices.

Third-party services

We work with external providers for services such as payment processing, identity verification, and infrastructure hosting. SELENA, LLC is not responsible for the privacy policies, terms, or conduct of those independent parties.

Ownership of content

The platform and all associated content, software, branding, and design elements are the property of SELENA, LLC or licensed to it. Your access grants a limited, non-transferable right to use the platform for its intended purpose only.

Suspension of access

SELENA, LLC may suspend or terminate access at any time if there are grounds to believe these Terms have been violated, if fraud or security risks are identified, or where required by regulatory obligation.

Liability

• The platform is provided on a best-efforts basis. SELENA, LLC does not guarantee uninterrupted availability.
• To the fullest extent permitted by law, we are not liable for indirect, incidental, or consequential damages arising from service use.

Amendments

SELENA, LLC may update these Terms from time to time. The version published on this page is always the current one. We encourage you to review it periodically.