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WEBSITE TERMS AND CONDITIONS OF USE

These Terms and Conditions of Use ("Terms of Use") apply to all services, information and opportunities offered by any interaction with www.crediability.com (.eu, .co.uk, .de, .it, .es, .pl, .ro, .ru)

www.crediability.com (.eu, .co.uk, .de, .it, .es, .pl, .ro, .ru) is the website („Site”) of MULTIBROKER S.R.L. registered in the Ilfov Trade register with number J23/1349/2018; fiscal identification number 39094205, registered office at Bd. Pipera nr. 1/I, bloc Admax, et. 6, birou 19, Voluntari town, County of Ilfov (“Company”)

The Terms of Use have the same effect as a written agreement and govern the use of any of our technologies and platforms, including the Site and its contents.

By using the Site and the services provided through it, you agree to the Terms of Use and all applicable laws and regulations.

If you do not agree to the Terms of Use, you must not access or use the Site or services provided through it or any information contained in the Site.

We reserve the right to make changes to the Site's content, including structure, texts, images, products, services, applications, algorithms, to update or modify the Terms of Use and Privacy Policy of the Site without prior notice.

The Site's Purpose

The information, content and materials contained in the Site are provided for information and educational purposes only. They are not intended to replace financial and / or legal professional counseling. For specific advice on your situation, we recommend that you contact professional consultants.

We are not a financial or lending institution, a financial or legal consultant, as defined in the applicable legislation, and therefore do not grant loans or any other kind of funding.

Using our services is not an alternative to personal professional consultancy or assistance regarding your finances. In addition, we do not guarantee that the information we present as part of our Services, including the credit scoring report, credit score, scoring recommendations, chances of obtaining a loan, causes that affect credit prospects and credit score, indebtedness or any other information we may provide if you have chosen to use our services, may be used or reviewed by a third party to assess your creditworthiness or eligibility for a particular financial product. We do not represent or guarantee the accuracy or reliability of any recommendations, opinions, statements or other information displayed or distributed through the Site. You acknowledge that any use of such materials, opinions, recommendations, statements or information is at your own risk and responsibility.

The texts and other materials contained in the site, including the scoring form and the scoring report, may contain omissions, errors, discrepancies. We reserve the right, at our sole discretion, to correct any errors or omissions in any part of the site without prior notice.

Services

The Site provides its users with a subjective, separate educational and informational view of their financial standing.

Services means all products and services owned and operated by us, including the content, features, tools, data, software and features made available through the Site and the mobile applications.

From the effective date of the Terms of Use, the services provided include the following:

The Scoring Form - the form through which the user provides data in the form of answers to questions as a result of requesting the scoring service and the request for the processing of data provided voluntarily by the user to simulate the financial status, the user's credit history, the estimation of the chances to get a loan and the indebtedness, the monthly recommended and maximum installments for which the client may apply, as well as to develop recommendations for improving the user's credit score, and identify the causes that influence their chances to get a loan.

As a result of completing the scoring form, after processing user data, the application calculates and reports a credit score, current indebtedness, monthly credit installments for which the user may apply, along with an estimate of the user's chances of obtaining additional credit, the causes which could affect those chances, but also recommendations for improving the credit score. The above mentioned report is for informative purposes, is intended exclusively for the person who requested the scoring service and is based on the information provided by the user. The scoring is a tool designed to help the user to better understand the chances of obtaining a loan from banks and non-banking financial institutions, the causes that influence them, and under no circumstances can it provide a guarantee (assurance) for obtaining a loan.

Indebtedness - The calculation that reflects the share of permanent net monthly income from which is deducted the monthly regular expense that is used to pay the loan or leasing installments.

Monthly installment for an additional loan - the amount that could be used to repay a loan, including interest, commissions and principal, in addition to existing loans and leasing, if any

Local score - the credit score calculated on the basis of the information provided by user through the scoring form, without taking into account all the macroeconomic and social indicators of the country of the user or country chosen by them.

Overall score - Credit score calculated based on the information presented by the user through the scoring form but also on the basis of several macroeconomic and social indicators of the country of the user or country chosen by them.

User is the individual and / or company accessing www.crediability.com (.eu, .co.uk, .de, .it, .es, .pl, .ro, .ru) for private or professional purposes and who has accepted the Terms of Use of the Site.

Use of the Site

As a site visitor and subject to compliance with these Terms of Use, you are granted a limited, non-exclusive, transferable license to access and make personal use of the Site and services provided through it. It is strictly forbidden to download, modify the site in whole or in part, in the absence of our express written consent.

This license does not include any commercial use of the Site or the Services or Site Content or any derivative use of the Site or the Services or its content without our consent.

The site and services or any part thereof may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for commercial purposes without our express written consent.

The Site and Services or any part thereof may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for commercial purposes without our express written consent.

It is forbidden to frame or use framing techniques to include any trademark, logo or other proprietary information (including images, text, page layout or form) without our express written consent.

Any permitted use of the Site or the Services does not extend to the use of the Site or Services for illegal purposes or the transmission to or via the Website or to or through any Service of any illegal, prejudicial, threatening, defamatory, obscene services, pornographic materials, or any other texts and images, or to interfere, abuse, or otherwise violate the legal rights of any third party using the Site or Services.

Any unauthorized or forbidden use of the Site or Services cancels all previously granted permissions or licenses.

Any previously granted license may be withdrawn at any time if we believe that the holder has violated the provisions of the Terms of Use, without prior notice.

Property rights

The content presented, displayed, included in or made available on the Site or through Services, including, but not limited to, text, graphics, logos, photos, icons, images, motion images, sound, illustrations, downloaded data, data compilations ("Content") are our property, our suppliers and / or agents, and are protected by applicable copyright, trademark and / or patent laws.

It is prohibited to use, copy, reproduce, publish, display, transmit, distribute, modify, create derivative works, transfer or sell any content from any source without our prior written consent.

Minors

Children under the age of 18 are not eligible and are not authorized to use the site or its services. This category, as well as persons whose cultural, religious or other beliefs do not allow them to access or use scoring services and credit simulators or other services offered through the Site, are required to exit the Site.

We reserve the right to request the user to confirm that he/she has reached the age of 18, in different places on the Site.

If the user provides untrue information, intentionally or not, about their age, they undertake full responsibility for their acts. Because we do not query external sources and do not ask for user authentication, the request to state the age is the only identification tool in this regard.

The User's refusal to accept the Terms of Use makes it impossible to use the Site and request the services provided through it.

The Company shall not be held liable for damages of any kind that the User or any third party may suffer as a result of the Company's performance of its obligations and of the damages that may arise from the use of the Products and Services provided by it.

The applicable law for relation with the User is the Romanian law. Any disputes that may arise between the Company and Users will be settled amicably, and if this is not possible, the dispute will be settled by the courts in Romania.

Disclaimer. Please note that Crediability Credit Score Report may be used as a document in relation to banks, non-banking financial institutions, or any other third party, only with their consent and at their own risk.

The Crediability Credit Score Report is for informative purposes and is issued exclusively for the user who applied for this service and is strictly dependent on the data provided by the user when completing the scoring form. The Crediability Credit Score is a tool designed to help the user who applied for this service to better understand the chances of obtaining a loan, the factors that affect his or her chances, and under no circumstances is it an assurance or guarantee, or a support tool for obtaining a loan.

The Company, the Site, its employees and any other person acting on its behalf are under no circumstances liable in the event of any damage resulting from the use of the Crediability Credit Scoring result, the Crediability Credit Score Report, or any other information obtained through the Company, the Site, its employees and any other person acting on its behalf.

Crediability policy on withdrawals and refunds

For most cases, the Company does not reimburse any amounts. There are exceptions, however, which are described below.

Refunds from the Company are made using the payment method you used to make the purchase. Refund times vary depending on how you pay and, as a rule, should not exceed 30 business days.

If you provide your payment details to another person, if you appear to be violating Crediability policies or you are not protecting your authentication code, we usually cannot offer you a refund.

All sales are final. Except as expressly stated in this document, all sales are final and no returns, replacements or refunds are accepted.

Right of withdrawal. If you buy as a consumer, according to the law, you have the right to withdraw from service purchase contracts within 14 days, without giving any reason. The withdrawal period will expire 14 days after the conclusion of the contract. In order to exercise your right of withdrawal, you must inform the Company of your decision to withdraw from the contract with the Company by email at: needhelp@crediability.com, indicating the 6-digit access code (Access Code) generated by www.crediability.com (.eu, .co.uk, .de, .it, .es, .pl, .ro, .ru) after payment for the service. If you forgot that code, you will find it in the payment details for the Crediability services in your account statement. Alternatively, you may contact MULTIBROKER S.R.L., Bd. Pipera, 1/i, bloc ADMAX, etaj 6, oficiu 19.

You will receive a confirmation of receipt of this withdrawal by a durable medium (e.g. by e-mail) without undue delay. In order to comply with the withdrawal deadline, it is sufficient to send the notice on the exercise of the right of withdrawal before the withdrawal period expires.

If you withdraw from this contract, you will be refunded the payment made under the contract without undue delay, but in any case not later than 14 days from the date on which your decision to withdraw from the contract is received by the Company. We will refund the amount using the same payment method you used for your original transaction.

Whichever product you choose, if you choose to use the Access Code to complete a scoring form and get a scoring credit report, you waive your automatic statutory withdrawal right after you have requested, at least once, the generation of a scoring credit report.

The site and all its texts and content are translated into several languages, including English. In the event of discrepancies between the English version and the version in any other language, the English version will prevail.