Disclaimer

Welcome to GrowKawkaw.com (“we,” “our,” or “us”). By using our website and services, you acknowledge and agree to this Disclaimer. If you do not agree, please stop using our website immediately.

🚨 We are NOT a lender, financial institution, or loan broker.

🚨 We do NOT provide loans, financial advice, or brokerage services.

🚨 We do NOT negotiate loan terms or guarantee approvals.

👉 Our role is strictly limited to lead generation—we collect loan inquiries from SMEs and pass them to licensed private lenders and P2P platforms. All financing decisions are made solely by lenders.

2. No Guarantees on Loan Approvals

🔹 Submitting an application on our website does NOT guarantee financing approval.
🔹 Lenders determine loan approvals based on their own criteria, risk assessments, and credit evaluations.
🔹 We are not responsible for any financing decisions, rejections, or delays by lenders.

📌 If you need financing, you must carefully review all terms and conditions directly with the lender before accepting any offer.

3. No Liability for Lender Actions

🔹 Once we pass a loan inquiry to a lender, all further communication, agreements, and transactions are between the SME and the lender.
🔹 We do not control or influence any lender’s fees, interest rates, repayment terms, or collection practices.
🔹 We are NOT liable for any financial losses, disputes, or legal issues arising from a loan agreement between an SME and a lender.

📌 All SMEs must conduct their own due diligence before accepting any financing.

4. No Financial, Legal, or Investment Advice

💡 We do NOT provide financial, legal, or investment advice.
💡 Any information on our website is for general informational purposes only and should NOT be taken as professional advice.

🔹 SMEs should consult a licensed financial advisor before taking on any loan.
🔹 Lenders should perform their own due diligence before approving any financing.

📌 Use of our services is at your own risk.

5. Accuracy of Information

🔹 We strive to provide accurate and up-to-date information on our website. However, we do not guarantee that all content is always complete, correct, or current.
🔹 Loan eligibility criteria, interest rates, and terms are subject to change and should always be confirmed directly with the lender.

📌 We are not responsible for outdated, incorrect, or misleading information.

6. Third-Party Links & Services

🔹 Our website may contain links to third-party websites, including lender platforms.
🔹 We do not control or endorse any third-party content, products, or services.
🔹 Clicking on third-party links is at your own risk. We are not responsible for any losses or damages resulting from third-party interactions.

📌 Always verify third-party services before engaging with them.

7. Limitation of Liability

🚨 To the fullest extent permitted by law, we are NOT liable for:

Any financial losses or damages arising from a loan agreement between an SME and a lender.
Any incorrect or misleading loan terms provided by lenders.
Any delays, errors, or disruptions in our services.

📌 Your use of our services is at your own discretion and risk.

8. Governing Law

✔ This Disclaimer is governed by the laws of Malaysia.
✔ Any disputes will be handled in accordance with Malaysian legal regulations.

9. Changes to This Disclaimer

✔ We may update this Disclaimer at any time. Updates will be posted on this page with a revised “Last Updated” date.
✔ Your continued use of our services after an update means you accept the revised Disclaimer.

📌 Check this page regularly for updates.

10. Contact Information

For any questions about this Disclaimer, contact us at:

📧 Email: tommy.gkk@growkawkaw.com