Terms & Conditions
The use of our financial intermediation services implies full and complete adherence to these legal provisions.
Document Status
Enforceable Version
Effective as of
01/06/2023
Article 1: Subject & Scope
These General Terms of Use (hereinafter "GTU") constitute the exclusive contractual framework governing access to, consultation, and use of the digital services provided by STABILYS GRUP.
Access to the portal and the use of our simulation or subscription tools imply unreserved, full, and complete acceptance of all these provisions by the user. If you refuse to comply with these terms, you are invited to stop browsing the platform immediately.
Article 2: Access & Continuity
The infrastructure of STABILYS GRUP is accessible free of charge to any User of legal age and with legal capacity, having a device connected to the internet.
Access Fees
All costs related to access (computer hardware, software, telecommunication fees) remain the sole responsibility of the User.
Availability (SLA)
While we aim for 24/7 availability, we reserve the right to temporarily suspend access for critical maintenance operations without prior notice.
Article 3: Intellectual Property
All digital assets on this portal, including but not limited to: visual architecture, texts, credit simulation algorithms, logos, databases, and technical icons, constitute the exclusive and unassignable intellectual property of STABILYS GRUP.
Strict Prohibition
Any unauthorized extraction, reproduction, reverse engineering, distribution, or commercial exploitation of these elements is strictly prohibited. It constitutes an infringement punishable by civil and criminal penalties by the competent jurisdictions under the Intellectual Property Code.
Article 4: User Obligations
In the context of using our simulation and loan application services, the User irrevocably agrees to:
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1
Provide accurate, sincere, and up-to-date information regarding their civil, professional, and financial situation.
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2
Not impersonate a third party, nor use falsified documents (document fraud punishable under the Penal Code).
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3
Ensure the strict confidentiality of their login credentials for the Client Area.
Article 6: Liability Regime
STABILYS GRUP acts as a technological intermediary. While we make every effort to verify the accuracy of our calculation algorithms, simulator results are provided for informational purposes only and do not constitute a definitive credit agreement offer.
We decline all responsibility for direct or incidental damages (loss of profit, loss of opportunity) resulting from the use, interpretation of data, or the inability to use our online services.
A loan is a binding commitment and must be repaid.
Carefully check your repayment capacity before committing.
Article 10: Jurisdiction & Governing Law
The validity, interpretation, and execution of these General Terms are governed by European Union legislation as well as by the substantive law applicable in the country of the fiscal residence of our institution's headquarters.
In the event of a dispute relating to the platform or the financial services offered therein that cannot be resolved out of court, exclusive jurisdiction is expressly granted to the competent courts within the jurisdiction of our registered office.
