1. Loan Application and Approval Policy

At Alpha Edge Capital, we are committed to maintaining a transparent and efficient loan process designed to help individuals and businesses access the financial support they need.

Eligibility Requirements

Applicants must meet the following criteria:

• A satisfactory credit score demonstrating responsible financial behavior

• Verifiable income or employment to ensure repayment capability

• Submission of required supporting documents, such as proof of identity, address verification, and income statements

Application and Review Process

Once a loan application is submitted:

1. Our credit team reviews the information provided for accuracy and completeness.

2. A comprehensive assessment is conducted, considering credit history, income stability, and repayment capacity.

3. Applicants are notified promptly upon approval or denial, typically within 3–5 business days.

Loan Terms

• Maximum Loan Amounts: Determined based on creditworthiness and income level.

• Interest Rates: Fixed or variable, depending on loan type and market conditions.

• Repayment Terms: Flexible options ranging from 6 months to 5 years, depending on the product.

We ensure full transparency in our lending decisions, and all applicants receive detailed explanations of loan terms before acceptance.

2. Interest Rate and Fee Policy

We believe in clear and fair pricing to ensure borrowers fully understand the total cost of borrowing.

Interest Rate Determination

Interest rates are calculated based on:

• Applicant’s credit profile and repayment history

• Loan type and duration

• Prevailing market rates and economic conditions

Fees and Charges

Borrowers will be clearly informed of any applicable fees prior to loan disbursement. These may include:

• Origination Fees: A small percentage to cover administrative costs

• Late Payment Fees: Applied if payments are missed beyond the grace period

• Prepayment Penalties: In cases where early repayment terms apply

Example:
A borrower with excellent credit may qualify for a lower annual interest rate and minimal origination fees.

We strictly adhere to usury laws and consumer protection standards, ensuring compliance with all local and international lending regulations.

3. Privacy and Data Security Policy

Protecting our clients’ personal and financial information is a top priority.

Data Collection and Usage

We collect only the information necessary to evaluate and manage your loan application, including identification, financial data, and contact details.

Data Protection Measures

• Encryption: All sensitive information is encrypted during transmission and storage.

• Secure Servers: Data is hosted in compliance with ISO-certified data centers.

• Regular Security Audits: We perform routine assessments to maintain the integrity of our systems.

Data Rights

Customers have the right to access, update, or request deletion of their personal data in accordance with GDPR, CCPA, and other applicable laws.

We do not share personal data with third parties without consent, except as required for regulatory compliance or authorized service provision.

4. Repayment and Default Policy

Our repayment framework is designed to provide flexibility while maintaining accountability.

Repayment Options

Borrowers may choose from multiple payment methods, including:

• Automatic deductions from linked accounts

• Manual online or bank payments

• Customized repayment schedules tailored to income flow

Late Payments

Failure to make timely payments may result in:

• Applicable late fees as stated in the loan agreement

• Negative impact on the borrower’s credit history

• Potential suspension of future borrowing privileges

Loan Default

In the event of default:

• We may initiate collection processes in accordance with applicable laws.

• Legal action may be pursued where necessary.

• Repeated default may affect eligibility for future credit with Alpha Edge Capital or partner institutions.

We encourage borrowers facing financial difficulty to contact our support team immediately to explore restructuring or payment assistance options.

5. Customer Service and Complaint Resolution Policy

At Alpha Edge Capital, we believe exceptional service is key to building lasting relationships.

Customer Support Channels

Customers can reach our dedicated service team through:

• 📧 contact@alphaedgecapital.net

• 💬 Live Chat available on our website

Complaint Resolution Process

1. Submit your concern via email or through our online contact form.

2. Our team will acknowledge receipt within 24 hours.

3. A detailed response or resolution will be provided within 5–7 business days, depending on the complexity of the issue.

We are committed to fair, respectful, and prompt resolution of all customer concerns while continuously improving our service delivery.