Terms & Conditions

1. Loan Agreement

By accepting a loan from Golden Koi Capital, you, the borrower, agree to repay the full principal amount plus accrued interest according to the agreed payment schedule. This agreement is legally binding within the jurisdiction of Los Santos, San Andreas. Failure to make timely payments will result in penalties and potential legal consequences as outlined below.

2. Interest Rates & Terms

Interest rates are determined on a per-case basis and are agreed upon during the in-person meeting between the borrower and a Golden Koi Capital representative. Rates typically range from 5% to 30% APR based on loan amount, term length, and borrower's financial history. All rates and terms are clearly disclosed and signed off before loan disbursement. No hidden fees or surprise charges will be applied.

3. Repayment Terms

Payments are due according to the agreed schedule (weekly, bi-weekly, or monthly). Each payment consists of both principal and interest portions. Late payments will incur a fee of $5,000 per day for each day the payment is overdue, starting immediately after the missed due date.

4. Late Payment Policy

If a payment is not received by 11:59 PM on its due date, it is considered late. The following penalties apply:

• $5,000 late fee per day until payment is made in full
• Interest continues to accrue on the outstanding balance
• After 3 consecutive missed payments, the loan enters default status

5. Early Repayment

You may repay your loan in full at any time without penalty. Early repayment reduces total interest paid, as interest is calculated only on the outstanding principal for the period the loan was active. Partial prepayments are also accepted and will reduce your remaining balance.

6. Default Consequences

If a borrower fails to make payments for 30 days or more, the loan will be considered in default. Default may result in:

• Immediate acceleration of the full remaining balance
• Additional collection fees
• Legal action filed through the San Andreas court system
• Wage garnishment or asset seizure as ordered by the court
• Referral to collections agencies

7. Privacy & Data Protection

Your personal information, including but not limited to your phone number, routing number, and financial history, will be kept strictly confidential. Golden Koi Capital does not share, sell, or distribute client information to third parties without explicit consent, unless required by San Andreas law or court order.

8. Amendments to Terms

Golden Koi Capital reserves the right to modify these terms with 7 days written notice (via in-game mail or phone). Continued use of our services after such notice constitutes acceptance of modified terms. Any significant changes will be discussed with active borrowers before implementation.

9. Dispute Resolution

Any disputes arising from this loan agreement shall first be attempted to be resolved through good-faith negotiation. If resolution cannot be reached, the matter may be brought before the San Andreas court system. Both parties agree to submit to the jurisdiction of Los Santos courts.