# Terms of Use ### Introduction Welcome to PAR4. These Terms of Use govern your use of our self-sustaining lending application. By accessing or using PAR4, you agree to comply with and be bound by these Terms of Use. If you do not agree, please do not use our services. ### Use of Services #### Eligibility You must be at least 18 years old to use PAR4. #### Account Registration To access certain features, you may need to create an account. Ensure all information provided is accurate and up-to-date. #### Prohibited Activities * **Unauthorized Access**: Do not attempt to gain unauthorized access to our systems. * **Illegal Activities**: Do not use PAR4 for any unlawful activities. * **Harmful Conduct**: Do not engage in any conduct that disrupts or harms the community or our services. ### Lending and Dividends #### Active Loans Borrowers can earn dividends based on their active loans. Ensure all loan agreements are followed. #### Cashbacks from Accrued Interest Members may receive cashbacks from accrued interest on their loans. Terms and conditions apply. ### Privacy Our use of your data is governed by our Privacy Policy. By using PAR4, you consent to our collection and use of your data as described in the Privacy Policy. ### Disclaimer of Warranties PAR4 is provided "as is" without any warranties. We do not guarantee the accuracy or reliability of our services. ### Limitation of Liability We are not liable for any indirect, incidental, or consequential damages arising from your use of PAR4. ### Indemnification You agree to indemnify and hold us harmless from any claims arising from your use of PAR4. ### Termination We reserve the right to terminate or suspend your access to PAR4 at any time, without notice, for any reason. ### Changes to Terms We may update these Terms of Use from time to time. Continued use of PAR4 indicates acceptance of the new terms. ### Governing Law These Terms of Use are governed by the laws of the Philippines. ### Contact Information For any questions or concerns, please contact us at . --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://tech-app.gitbook.io/par4/community-standard/terms-of-use.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.