Risk Disclosure
Version: 2.0
This Risk Disclosure explains important information regarding the use of THRIFTPAY® infrastructure, the responsibilities of participating institutions, and factors that may affect the delivery of services within different jurisdictions.
Infrastructure Platform Disclosure
THRIFTPAY® operates as a financial infrastructure provider.
Our technology is designed to help licensed financial institutions expand sustainable MSME financial access through digital platforms, operational tools, data capabilities, and ecosystem connectivity.
THRIFTPAY®:
- Does not accept customer deposits
- Does not hold or safeguard client funds
- Does not provide regulated financial services directly to consumers
- Does not act as a bank or deposit-taking institution
- Does not independently originate regulated financial products unless specifically licensed to do so
Financial services available through the THRIFTPAY® ecosystem are provided by appropriately licensed financial institutions operating under applicable regulatory frameworks.
Institutional Partner Responsibility
Financial products and services delivered through THRIFTPAY® infrastructure remain the responsibility of the licensed financial institution providing those services.
Partner institutions are responsible for:
- Customer onboarding and account management
- Regulatory compliance obligations
- Product design and underwriting decisions
- KYC, AML, and customer due diligence requirements
- Consumer protection obligations
- Regulatory reporting and licensing requirements
THRIFTPAY® provides technology infrastructure and operational enablement tools that support these activities but does not assume the regulatory responsibilities of licensed institutions.
Operational & Platform Risk
As with any technology platform, operational risks may arise.
These may include:
- System outages or service interruptions
- Connectivity disruptions
- Cybersecurity threats
- Third-party technology failures
- Data transmission delays
- Infrastructure performance limitations
THRIFTPAY® continuously seeks to improve platform resilience, security, and operational reliability; however, uninterrupted service cannot be guaranteed at all times.
Regulatory & Jurisdictional Risk
Financial regulations vary across jurisdictions and may change over time.
As THRIFTPAY® expands into new markets, operational requirements, licensing expectations, and regulatory frameworks may evolve.
As a result:
- Certain services may not be available in all jurisdictions
- Regulatory approvals may impact service deployment timelines
- Market entry plans may be adjusted to comply with local requirements
- Partner institutions may be subject to additional regulatory obligations
THRIFTPAY® is committed to operating responsibly within applicable legal and regulatory frameworks.
Third-Party Institution Risk
THRIFTPAY® works with licensed financial institutions, service providers, and strategic ecosystem partners.
While we conduct appropriate due diligence and partnership assessments, THRIFTPAY® does not control the operations, financial condition, or regulatory standing of independent partner institutions.
Users and stakeholders acknowledge that:
- Financial services are delivered by the relevant licensed institution
- Partner performance may vary across markets
- Regulatory actions affecting partner institutions may impact service availability
- Individual institutions remain responsible for their own obligations and commitments
Data Security & Cybersecurity Risk
THRIFTPAY® implements administrative, technical, and organizational safeguards designed to protect information and support secure platform operations.
Despite these measures, no technology platform can completely eliminate risks associated with:
- Cyberattacks
- Unauthorized access attempts
- Fraudulent activity
- Network disruptions
- Emerging security threats
THRIFTPAY® continuously monitors and strengthens its security environment to support safe and responsible digital financial infrastructure.
Forward-Looking Statements
This website may contain statements regarding future developments, market opportunities, expansion plans, strategic partnerships, or platform capabilities.
Such statements are based on current expectations and assumptions and may be affected by factors including:
- Regulatory developments
- Market conditions
- Economic changes
- Technology evolution
- Partnership opportunities
Actual outcomes may differ from anticipated results.
Limitation of Responsibility
Information contained on this website is provided for general informational purposes only.
Nothing on this website constitutes:
- Financial advice
- Investment advice
- Legal advice
- Tax advice
- An offer of regulated financial services
- A guarantee of future business performanc
Users and stakeholders should conduct their own independent evaluation before making business, investment, or partnership decisions.
Market Availability & Jurisdiction Notice
THRIFTPAY® infrastructure and related services may not be available in every jurisdiction.
vailability depends on:
- Applicable laws and regulations
- Licensing requirements
- Licensing requirements• Local partnership arrangements
- Operational readiness
Access to information on this website does not imply that products, services, or partnerships are available in every market.
Partner With THRIFTPAY® To Expand Sustainable MSME Financial Access
