KRFS Client & Investor Charter

Every KRFS customer has the right to: clear, written disclosure of loan terms (amount, tenure, rate and fees) before accepting an offer; a fair, manually-reviewed credit decision; timely notice before any change in repayment status is reported; and access to their own application, document and repayment history at any time through the customer portal.

Every KRFS investor has the right to: a clear statement of the return methodology applicable to their funding; monthly statements showing accruals, payouts and running balance; timely disclosure of any material change affecting their funding; and access to their full funding and payout history through the investor portal.

Customers are responsible for providing accurate information and genuine documents, for meeting repayment obligations on the agreed schedule, and for promptly notifying KRFS of any change to their contact or financial circumstances. Investors are responsible for reviewing disclosed terms before funding and for understanding that returns are not guaranteed deposit-like instruments.

KRFS commits to manually reviewing every application and every vehicle valuation, to communicating credit decisions and reasons for additional information requests promptly, and to keeping both the customer and investor portals accurate and current so neither side is left guessing at their own status.

All amounts are denominated in Pakistani Rupees (PKR). Loan approval, tenure and pricing are determined case by case following manual credit review and are not guaranteed by applying. Investor returns are dependent on the performance of the underlying loan book and are not a guaranteed or insured return.

Any customer or investor who believes this Charter has not been honoured may raise a grievance through the Contact Us page or directly with their assigned team. Grievances are logged, assigned to an authorized staff member, and tracked through to resolution.