✅ Declaration:
I hereby certify that all information provided is true, accurate, and complete to the best of my knowledge. I understand that falsification or omission of material facts may lead to disqualification or legal action.

✅ Consent to Verification:
I authorize Optima Kredit to verify the information provided, including contacting my employer, bank, and other institutions for the purpose of assessing my creditworthiness.

✅ Fees and Processing Acknowledgment:
I understand that processing and verification fees may apply after loan approval and that certain third-party charges (credit bureau, KYC, or verification) are non-refundable once executed.

✅ Repayment Obligation:
I agree to make repayments as scheduled and understand that failure to do so may result in additional interest, late fees, and credit reporting actions.

✅ Data Privacy:
I have read and accept the Optima Kredit Privacy Policy and consent to the use of my data in line with applicable data protection laws.