Need quick cash but don't have collateral? Welcome to FTC (Finablr Trust Circle), the revolutionary micro-lending platform where your network is your net worth. We believe that banking should be built on community, which is why FTC empowers you to take control of your financial journey by building your own circle of trust.

Loan Terms & Disclosures (Please Read Carefully):
To ensure complete transparency and comply with standard lending practices, please note our loan terms:

* Minimum period for repayment: 3 months (90 days)
* Maximum period for repayment: 6 months (180 days)
* Base Interest Rate: 2.8% per month (33.6% per annum)
* Maximum Annual Percentage Rate (APR): 103.82% (This inclusive rate strictly follows Google Play's required formula by annualizing the base interest alongside all one-off platform, service, and vetting fees over the loan term).

Representative Example of the Total Cost of the Loan:
If a user borrows UGX 100,000 for a period of 3 months (90 days):
* Principal Loan Amount: UGX 100,000
- Monthly Interest (2.8%): UGX 2,800 per month
* Total Interest for 3 months: UGX 8,400
* One-Off Service & Vetting Costs: UGX 7,200 (A one-time charge comprising the 5.53% Statutory Service Charge and 1.67% Digital Verification & Vetting Cost)
- Upfront Disbursement Fees: UGX 10,000 (A one-time 10% deduction comprising the 5% Platform Access Fee and 5% Circle Sustainability Fee )

* Net Disbursed Amount: UGX 90,000 (Principal minus Upfront Fees)
* Total Amount to Repay: UGX 115,600 (Principal + Total Interest + One-Off Service & Vetting Costs)
* Total Cost of the Loan: UGX 25,600 (Total Interest + All One-Off Fees)

(Note: The above is a representative example based on maximum platform fees. Actual limits and terms may vary based on your Trust Circle's Trust Credit Rating).

How FTC Works:
FTC isn't just a lending app; it's a financial community. You have the power to create your own Trust Circle by inviting friends, colleagues, and family members. Together, you build a shared financial reputation that unlocks instant, unsecured micro-loans when you need them most.

Key Features:
* Create Your Trust Circle: You are in control. Invite people you know and trust to join your personal circle. As your circle grows and maintains good borrowing habits, everyone benefits from higher limits and better terms.
* Unsecured Micro-Loans: Borrow the money you need without the stress of providing physical collateral. Your trust and your circle’s reputation are your greatest assets.
* Smart Credit Rating System: Build your financial reputation dynamically. Our system rewards you and your circle for timely repayments, fostering a community of financial responsibility and growth.
* Lightning-Fast Approvals: Forget long lines and endless paperwork. Once your circle is established, apply in minutes and receive funds directly into your preferred account almost instantly.
* Transparent & Fair: What you see is what you get. We pride ourselves on clear terms, manageable repayment plans, and absolutely no hidden fees.
* Secure & Private: Your financial data is safe with us. FTC uses bank-level encryption to ensure your personal information, circle dynamics, and transactions are fully protected.

Whether it’s an unexpected emergency, a quick business expense, or helping a friend in your circle reach a personal goal, FTC is here to empower your community.

Join the Finablr Trust Circle today, invite your friends, and take control of your financial future together.

Download FTC now and start building your circle!