Some instant loan apps have recently come under fire for alleged inconsistencies in both lending and repayment. They are reportedly lending money through unlicensed lending platforms and smartphone apps with the promise of offering quick and hassle-free loans, according to the media.

They are also allegedly utilizing aggressive and harsh recovery methods, as well as illegally accessing data on borrowers' mobile phones.

We'd like to emphasize that these occurrences involve unlicensed and unauthenticated programs.

1. We only lend the amount determined by our algorithms to be within a customer's repayment capacity.

2. We firmly adhere to an ethical recovery procedure that excludes the use of coercion. On the contrary, we work closely with our customers to make repayment easier for them.

3. Because we do not have access to your contacts through our application, there is no risk of hounding any of them.

4. None of our clients have ever expressed displeasure with any of the aforementioned variances.

On the contrary, our goal is to constantly provide loans to individuals who need money to get through a difficult or emergency circumstance, thereby addressing a real concern in these challenging times.