Terms of Use
1. Purpose and scope
These Terms of Use define the conditions of access to and use of the EUROS FINANZ website, as well as the rights and obligations of users when consulting information, using the simulation tools and submitting financing applications. By accessing the site, the user agrees to comply with these terms and with the applicable legal and regulatory provisions.
2. Presentation of services
EUROS FINANZ offers a range of financing solutions for individuals and professionals, including: — personal loans; — vehicle financing; — property financing; — business financing; — financing solutions tailored to personal and professional projects. The services actually offered depend on the applicable regulatory framework, the eligibility conditions and the characteristics of each financial product.
3. Simulators and financial estimates
The site provides users with simulation tools to estimate the main features of a financing, including the amount borrowed, the repayment period, the monthly payments and the estimated total cost of credit. The results provided are indicative and are based on the information entered by the user and on the parameters of the simulator. They constitute neither a contractual offer of credit, nor a promise of granting, nor a guarantee of acceptance. The final conditions are determined after the analysis of the application, the verification of the necessary information and the application of the granting criteria in force.
4. Financing applications and application review
Submitting a financing application allows EUROS FINANZ to examine the information provided by the applicant within the applicable process. The user undertakes to provide accurate, complete and up-to-date information. Any inaccurate, incomplete or misleading information may result in a delay in processing the file or in the rejection of the application, in accordance with the applicable rules. Each application is subject to an individual assessment. The granting of financing remains subject to the evaluation of the applicant's creditworthiness, to the eligibility criteria and to the applicable regulatory obligations. No application may be considered definitively accepted before formal confirmation of the decision and, where necessary, the conclusion of the corresponding contract.
5. Legal status and regulated activities
EUROS FINANZ carries out its activities in accordance with its official legal status and the authorisations required for the services actually offered. Any presentation of EUROS FINANZ as a bank, credit institution or lender is conditional upon holding the necessary approvals and authorisations, in accordance with the regulations applicable in the country of operation. Information relating to the company's legal identity, its registration and any regulatory authorisations is presented in the legal notice of the site, on the basis of verified official data.
6. Personal data protection
Personal data that users may provide is processed in accordance with the applicable data protection regulations, in particular the General Data Protection Regulation (GDPR), where it applies. The purposes of processing, the categories of data concerned, the retention periods, the recipients and the rights of users are set out in the EUROS FINANZ Privacy Policy.
7. Site availability and security
EUROS FINANZ uses reasonable means to ensure the proper functioning, security and accessibility of its website. However, access to the site may be temporarily interrupted due to maintenance operations, updates, technical difficulties or circumstances beyond the publisher's control. The user undertakes not to disrupt the operation of the site, not to attempt to access its systems without authorisation and not to use the services for unlawful purposes.
8. Liability
EUROS FINANZ strives to maintain reliable and up-to-date information. Despite this vigilance, errors, omissions or changes may occur. Within the limits permitted by law, the publisher's liability is assessed in the light of the obligations incumbent upon it and the circumstances specific to each situation. No provision of these terms may exclude or limit liability where the law prohibits such exclusion or limitation.
9. Intellectual property
All elements of the EUROS FINANZ site, including texts, logos, trademarks, graphics, illustrations, visual elements and original content, are protected by the applicable intellectual property rights. Any reproduction, modification, distribution or exploitation, in whole or in part, without prior authorisation where required, is prohibited, subject to the exceptions provided by law.
10. Changes to the terms
EUROS FINANZ reserves the right to modify these terms to take account of legal, regulatory, technical or operational developments. The applicable version is the one published on the site at the date of consultation, subject to the applicable legal rules and any contractual provisions in force.
11. Applicable law and dispute resolution
These terms are governed by the applicable law determined in accordance with the relevant conflict-of-law rules. In the event of difficulty, the user and EUROS FINANZ are invited to seek an amicable solution. Failing this, the dispute will be submitted to the competent authorities or courts in accordance with the applicable legal provisions.
12. Contact
For any question relating to these terms or to the services presented on the site, users may contact EUROS FINANZ using the details given in the “Legal notice” section or on the official contact page. EUROS FINANZ — Financing solutions and support for your projects.
13. Right of withdrawal
For consumer credit, you have a withdrawal period of fourteen (14) calendar days from the signing of the credit agreement. The arrangements for exercising this right are set out in the contractual documentation provided before signing.
14. Pre-contractual information
Before any credit agreement is concluded, EUROS FINANZ provides you with a pre-contractual information sheet detailing the features of the financing (amount, term, rate, monthly payments, total cost) and assesses your creditworthiness on the basis of the requested documents.
15. Credit warning
A credit is a commitment and must be repaid. Check your repayment capacity before committing yourself.