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Zero Fee Policy: The Cost of Transparency

💰 The Most Compelling Interest: Zero Hidden Charges

We commit to a policy of absolute transparency. Unlike traditional lending institutions that often hide costs in fine print, our streamlined and compliant operation allows us to eliminate extra charges, putting more value back into your hands.

Our Unwavering Promise to You:

• NO Fee.
• NO Service Charge.
• NO Hidden Costs.

The loan amount you are approved for is the amount you receive. Our simplified repayment schedule is clear from Day 1, ensuring you can focus on your financial goals with complete peace of mind and maximum savings.

International Standards of Operation

🌍 Global Rigor, Local Trust

Our internal policies and procedures are modeled directly after the best practices found in International Banking Policy. This means we operate with the same rigor, risk management, and ethical standards demanded by major global financial institutions.

Key International Standard Adherence:

• Ethical Practices: We adhere to global principles of fairness, ensuring all loan terms are equitable.
• Risk Management: Our assessment process uses world-class techniques to ensure both borrower and company security.
• Anti-Money Laundering (AML) Protocols: Our due diligence meets international finance requirements to maintain the integrity of the financial system.

Confirmed by Philippine Government Authorities 🇵🇭
Multi-Layered Protection for Every Client

Your security and confidence are backed by our verifiable compliance with the Republic of the Philippines' most critical regulatory bodies. Our adherence is not optional—it is confirmed and regulated—giving you the highest level of assurance.

User Agreement

"The Borrower (Party B) hereby consents to the terms of this Loan Agreement, acknowledging its full legal effect, and confirms that Idirect Finance Company Inc. (Party A) adheres to international banking policy and is fully compliant and authorized by the SEC, BIR, and NPC, guaranteeing secure and legal lending practices. The Borrower specifically agrees to the company’s zero-fee policy, confirming that no service charges or hidden fees will be applied to the loan principal. The Borrower commits that all provided documents and financial status information are true and legally managed for the purpose of debt repayment validation. Party B accepts that while the total loan interest and repayment amount shall not exceed $24\%$ per annum, the final loan approval, credit limit, and interest rate remain at the sole discretion of Party A, and any breach of contract (including failure to repay) will result in full responsibility for all incurred losses, warnings, and applicable debt collection charges."