1. Introduction
AraWings Capital LLC is committed to providing responsible, transparent, and fair lending services. This Loan Policy outlines the terms and conditions under which loans are issued, including repayment expectations, interest rates, fees, and borrower responsibilities.

2. Eligibility
To apply for a loan with AraWings Capital LLC, you must:

• Be at least 18 years of age

• Have a verifiable source of income

• Provide accurate and complete information during the application process

3. Loan Approval
Loan applications are evaluated based on:

• Credit history (where applicable)

• Employment/income verification

• Current debt obligations

• Our internal lending criteria

AraWings Capital LLC reserves the right to approve or deny any application at its sole discretion.

4. Interest Rates
Interest rates vary based on loan type, loan amount, and borrower creditworthiness. The specific interest rate for your loan will be disclosed in your loan agreement prior to acceptance. All interest rates comply with local and national regulations.

5. Repayment Terms
Repayment schedules will be clearly outlined in your loan agreement. Repayment may be made weekly, bi-weekly, or monthly, depending on the loan type. Borrowers are responsible for making payments on or before the due date.

6. Late Payments & Penalties
Late or missed payments may incur additional fees as specified in the loan agreement. Continued failure to pay may result in:

• Additional interest or late fees

• Reporting to credit bureaus (if applicable)

• Legal action or third-party collection efforts

7. Prepayment Policy
Borrowers may prepay their loan in full or in part at any time without penalty. Any outstanding interest and fees will be calculated up to the date of final payment.

8. Fees and Charges
Applicable fees may include:

• Loan processing fees

• Late payment penalties

• Returned payment fees

All fees will be disclosed in your loan agreement before final approval.

9. Communication
AraWings Capital LLC will contact borrowers via email, phone, or SMS for important updates, payment reminders, and account verification. It is the borrower’s responsibility to keep their contact information up to date.

10. Privacy and Confidentiality
We are committed to protecting your personal information in accordance with our Privacy Policy. Information collected during the loan process is used only for legitimate business purposes and will not be shared without your consent, except as required by law.

11. Modifications
AraWings Capital LLC may update this policy at any time. Updates will be posted publicly and communicated to active borrowers as needed.

12. Contact Information
If you have any questions about this policy or your loan terms, please contact us:

AraWings Capital LLC
Email: help@arawings.com