Lowa operates a direct lending site allowing individual investors to finance entrepreneurs who are interested in obtaining the necessary financing. The company also allows banks and investment companies to lend through its site. Some of these investors may be able to obtain more information about borrowers than individual investors, especially if they have access to databases provided by third parties.

• Investors in liwa are exposed to the risk that borrowers will default on their loans. liwwa's ability to transfer payments to the investor's account is limited to the borrower's payment of the value owed. The risk of investing with liwwa, as with all types of investment, means that the investor could lose all or part of the value invested. It is important for us to match the incentives and risks of the investors and liwwa, and thus liwa does not receive its commission until all the investors in the campaign receive their financial entitlements. Liwwa carefully evaluates loan applications on its website before giving its credit score to accepted campaigns. However, the responsibility of choosing the loans in which to invest is the responsibility of the investor alone.


• The beneficiary companies do not get the funded assets until the full price of financing the assets is mobilized by the investors in accordance with the company's policy,               


• Lowa operates a direct lending site allowing individual investors to finance entrepreneurs who are interested in obtaining the necessary financing. The company also allows banks and investment companies to lend through its site. Some of these investors may be able to obtain more information about borrowers than individual investors, especially if they have access to databases provided by third parties.          


• When the investor pledges a certain amount to finance a campaign, that amount is restricted to that campaign and the investor is not entitled to dispose of it for any other purpose and this amount may not be used to finance any other campaign. Excluded from this are campaigns that are canceled by us or campaigns that do not reach their full funding goal before the end date of the financing pledges.
  Funds credited from a specific country can only be withdrawn to a bank account in the source country,               


• When a campaign is funded, liwwa will sign a Murabaha contract with the borrower. The details of this contract differ from one campaign to another, see the details of the different campaigns for more information.               


• When borrowers make their payments, liwwa deducts a commission from each payment. You can know this commission by clicking on “More details...” in each campaign. After deducting the commission, the remaining amount of the payment due to you will be deposited in your liwwa account, and you can use this amount to invest in other campaigns or withdraw it to your bank account,              


• While investment in campaigns on liwwa will be in USD, loans will be granted in the loan currency indicated in each campaign. Loan payments will be collected in the loan currency before being converted into USD and deposited into your liwwa account. liwwa undertakes to make such conversion at the prevailing exchange rate at the time the borrower makes the payment.


• Investors on liwwa reserve the right to submit complaints via e-mail through the specified channel, or any other channel designated for clients.