Terms of Service}

1. Acceptance of Terms

By creating an account, applying for credit, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, you must not use our services.

2. Eligibility

To use our services, you must:

Be at least 18 years of age
Have the legal capacity to enter into a binding contract
Provide accurate and complete information
Not be prohibited from using our services under applicable law

3. Account Registration

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

4. Credit Applications

When applying for credit:

All information provided must be accurate and truthful
We reserve the right to verify all information provided
Approval is subject to credit checks and verification
We may request additional documentation
We reserve the right to decline any application

5. Loan Terms and Conditions

Specific terms and conditions for each loan or credit product will be provided in your loan agreement. These include interest rates, repayment schedules, fees, and other important details. You must carefully review and agree to these terms before accepting any credit offer.

6. Repayment Obligations

You agree to:

Make all payments on time according to your repayment schedule
Maintain sufficient funds in your designated payment account
Notify us immediately if you experience financial difficulties
Pay all applicable fees and charges

Late or missed payments may result in fees, negative credit reporting, and collection actions.

7. Prohibited Uses

You may not:

Provide false or misleading information
Use our services for illegal purposes
Attempt to circumvent our security measures
Share your account credentials with others
Use automated systems to access our services
Interfere with the proper functioning of our services

8. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of CredsoLux and is protected by copyright and other intellectual property laws. You may not reproduce, distribute, or create derivative works without our written permission.

9. Limitation of Liability

To the maximum extent permitted by law, CredsoLux shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability shall not exceed the amount paid by you to us in the twelve months preceding the claim.

10. Termination

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, for any reason, including violation of these Terms of Service. You may also close your account at any time, but you remain responsible for all outstanding obligations.

11. Changes to Terms

We may modify these Terms of Service at any time. We will notify you of any material changes by posting the new terms on this page and updating the "Last updated" date. Your continued use of our services after such changes constitutes acceptance of the new terms.

12. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Luxembourg, without regard to its conflict of law provisions.

13. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: contact@credsolux.com

Phone: +33755538135

Address: Berlin