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1. Agreement Overview

These Terms of Service ("Terms") govern your use of Fortech World Limited's financial services, including but not limited to securities-based lending, real estate financing, fix & flip financing, debt restructuring, and all other financing solutions offered through our website and platforms.

These Terms constitute a legally binding agreement between you ("Client," "Applicant," "Borrower") and Fortech World Limited ("Company," "We," "Us," "Our"). We reserve the right to modify these Terms at any time, with changes effective upon posting on our website.

2. Services Description

Fortech World Limited provides specialized financial services including:

• Securities-Based Lending: Non-transfer of title lending solutions allowing clients to leverage investment portfolios while maintaining ownership
• Real Estate Financing: Commercial real estate loans from $1M to $100M+ for acquisition, refinance, and development
• Fix & Flip Financing: Short-term loans for residential investment properties, including renovation costs
• Debt Restructuring: Consolidation and optimization of existing business equipment loans
• Equipment Leasing & Financing: Flexible solutions for acquiring business equipment and machinery
• Business Acquisition Financing: Specialized lending for purchasing existing businesses
• Commercial Bridge Loans: Short-term financing for timing gaps in commercial transactions
• Other Financing Solutions: As detailed on our Services page

3. Application Process

3.1 Application Submission

By submitting a loan application through our website or other channels, you:

• Represent that all information provided is accurate, complete, and truthful
• Authorize Fortech World Limited to verify all application information
• Consent to credit checks and background verification as required
• Agree to provide additional documentation as requested
• Understand that application does not guarantee loan approval

3.2 Information Verification

We reserve the right to verify all information provided in your application, including but not limited to:

• Financial statements and tax returns
• Credit history and scores
• Property valuations and appraisals
• Business ownership and legal structure
• Collateral documentation and ownership

3.3 Approval Timeline

While we strive for rapid approval (typically within 24 hours for qualified applications), approval times may vary based on:

• Completeness of application information
• Complexity of the financing request
• Required documentation and verification
• Market conditions and funding availability

4. Loan Terms and Conditions

4.1 Interest Rates and Fees

All interest rates, fees, and charges will be disclosed in your loan agreement and may include:

• Interest rates (fixed or variable as specified)
• Origination fees and processing charges
• Underwriting and due diligence fees
• Late payment fees and default charges
• Prepayment penalties (if applicable)

4.2 Loan Disbursement

Funds will be disbursed subject to:

• Execution of all required loan documents
• Satisfaction of all closing conditions
• Receipt of required collateral documentation
• Payment of any required fees

4.3 Repayment Terms

Repayment terms vary by loan product and will be specified in your loan agreement, including:

• Payment amount and frequency
• Loan term duration
• Amortization schedule
• Grace periods (if applicable)
• Acceleration clauses and default provisions

5. User Obligations

5.1 Accurate Information

You agree to provide accurate, current, and complete information throughout your relationship with Fortech World Limited. You must promptly update any information that changes.

5.2 Proper Use of Funds

Loan proceeds must be used for the purposes stated in your application and loan agreement. Misuse of funds may constitute default.

5.3 Timely Payments

You are responsible for making all payments when due. Late payments may result in additional fees and adverse credit reporting.

5.4 Communication

You agree to maintain open communication with Fortech World Limited and respond promptly to requests for information or documentation.

6. Fees and Charges

Fortech World Limited may charge various fees for our services, including but not limited to:

7. Limitation of Liability

7.1 Service Limitations

Fortech World Limited provides services on an "as is" and "as available" basis. We do not guarantee:

• That services will be uninterrupted or error-free
• Specific approval times or interest rates
• That all applications will be approved
• Specific loan amounts or terms

7.2 Financial Advice

Fortech World Limited provides financing services, not financial advice. You should consult with appropriate financial, legal, and tax advisors before making borrowing decisions.

7.3 Maximum Liability

To the maximum extent permitted by law, Fortech World Limited's total liability for any claims related to our services shall not exceed the total fees paid by you for the specific service in question.

8. Governing Law and Disputes

8.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of Hong Kong, without regard to its conflict of law principles.

8.2 Dispute Resolution

Any disputes arising from these Terms or our services shall first attempt to be resolved through good faith negotiation. If negotiation fails, disputes shall be resolved through binding arbitration in Hong Kong.

8.3 Contact for Disputes

For any questions or disputes regarding these Terms, please contact:

9. Miscellaneous Provisions

9.1 Entire Agreement

These Terms, together with any loan agreements and related documents, constitute the entire agreement between you and Fortech World Limited regarding our services.

9.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

9.3 Assignment

Fortech World Limited may assign its rights and obligations under these Terms without your consent. You may not assign your rights or obligations without our prior written consent.

9.4 Waiver

Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.