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CREDI4ME TERMS OF USE

English version

 

1. Identification of the Website Owner

In accordance with the laws applicable to information society services, the owner of the website accessible through https://credi4me.com/, including its related areas, pages and functionalities, is:

• Owner: Fidem Financial OÜ
• Trade name: CREDI4ME
• Registration number: 16013157
• Registered address: Harju maakond, Tallinn, Kesklinna linnaosa, Narva mnt 7, 10117, Estonia
• Email: INFO@CREDI4ME.COM

The owner shall hereinafter be referred to interchangeably as “CREDI4ME”, the “Platform” or the “Provider”.

2. Purpose and Acceptance

2.1. Purpose

These Terms of Use govern:

• access to and navigation of the Platform;
• registration and use of user accounts;
• access to general information about lenders and credit products;
• use of the search engine, comparison tool or directory available on the Platform;
• access to third-party websites through external links; and
• the rights and obligations of CREDI4ME and its users.

2.2. Acceptance

By accessing, registering with or using the Platform, the user confirms that they have read and accepted these Terms of Use.

Where legally required, CREDI4ME shall request express acceptance of these Terms by means of a checkbox or an equivalent mechanism.

Acceptance of these Terms does not constitute entry into any loan, credit agreement or other financial product.

2.3. Additional Terms

Certain functionalities may be subject to specific terms. In the event of any conflict, those specific terms shall prevail solely in relation to the functionality to which they apply.

3. Access Requirements

3.1. Age Requirement

The Platform is intended exclusively for natural persons aged eighteen or over.

Minors may not register with or use the credit product search or comparison functionalities.

3.2. Legal Capacity

The user declares that they have sufficient legal capacity to accept these Terms and use the Platform.

3.3. Territorial Availability

The availability of certain lenders, products or promotions may depend on the user’s country of residence and on the criteria established by each third party.

4. Nature of the Platform

4.1. Information and Advertising Service

CREDI4ME provides a digital service offering general information, search and comparison functionalities, and access to external websites operated by entities that may offer credit products.

The information displayed is general, indicative, commercial and non-personalised.

CREDI4ME does not provide financial services on its own account.

4.2. Free Access

Unless expressly stated otherwise for a specific functionality, access to and use of the Platform are free of charge for the user.

CREDI4ME does not charge the user for applying for, processing, obtaining or entering into a loan.

4.3. Non-Exhaustive Selection

The Platform displays a selection of lenders, products or promotions and does not necessarily include every alternative available on the market.

The absence of a lender or product does not imply a negative assessment of that lender or product.

4.4. General Information

Product pages may include, among other information:

• the name of the lender;
• general product categories;
• indicative amount ranges;
• indicative duration ranges;
• interest rates, maximum APRs or ranges, where supplied;
• general eligibility requirements communicated by the lender;
• promotions;
• representative examples; and
• links to external websites.

This information provides a general description of products that a lender may market. It does not constitute an individual offer and does not confirm that the user will be eligible for any product on specified terms.

5. No Credit Intermediation or Advice

5.1. Activities Not Performed by CREDI4ME

CREDI4ME:

1. a) does not grant loans or credit;
2. b) does not receive or process applications for financing;
3. c) does not submit user applications to financial institutions;
4. d) does not transmit to lenders the data registered by the user with CREDI4ME;
5. e) does not transmit information concerning income, expenditure, debts, assets, employment status or repayment capacity;
6. f) does not analyse credit applications on behalf of lenders;
7. g) does not carry out an official creditworthiness assessment of the user;
8. h) does not decide whether a loan should be approved or rejected;
9. i) does not negotiate amounts, terms, interest rates, APRs, instalments or contractual conditions;
10. j) does not represent the user before lenders;
11. k) does not represent lenders before the user;
12. l) does not complete application forms on behalf of the user;
13. m) does not enter into credit agreements on behalf of third parties;
14. n) does not receive information concerning the possible approval, rejection, execution or performance of a loan; and
15. o) does not provide personalised financial advice.

5.2. Mere Introduction

CREDI4ME’s involvement is limited to providing the user with general information and, where applicable, a link through which the user may voluntarily access a third party’s website.

Selecting a link does not start a credit application with CREDI4ME.

The user leaves the Platform and accesses an external environment managed exclusively by the relevant third party.

5.3. Independent Start of Any Application

Any possible loan application:

• must be started from the beginning on the lender’s website;
• is made directly between the user and the lender;
• is subject to the lender’s forms, terms and policies;
• requires the user to provide the requested information directly to the lender; and
• is subject to a creditworthiness assessment and the lender’s exclusive decision.

CREDI4ME does not participate in this process and may not know its outcome.

5.4. No Personalised Recommendation

The information, ranking or presentation of results does not constitute a personalised recommendation as to whether the user should enter into a particular product.

CREDI4ME does not take the user’s individual financial circumstances into account in order to state that a loan is suitable, appropriate or advisable for that user.

The decision to visit a lender, start an application or enter into an agreement is made exclusively by the user.

5.5. Statements Regarding the Absence of Intermediation

References on the Platform to its informational nature or to the absence of intermediation describe its actual operation and are not intended to exclude any mandatory legal obligations that may apply.

6. Search and Comparison Tool

6.1. Operation

The search or comparison tool allows users to consult a selection of lenders and products using general criteria.

Where filters are available, they may relate to objective characteristics such as:

• amount ranges;
• duration ranges;
• general product type;
• territorial availability;
• general product characteristics;
• a promotion communicated by the lender; or
• the date on which the information was updated.

The filters do not constitute a creditworthiness assessment or a recommendation based on the user’s individual financial profile.

6.2. Ranking Criteria

Results may be ordered according to one or more criteria, including:

• general relevance;
• correspondence with the filters used;
• product characteristics;
• popularity;
• recency of the information;
• the existence of a promotion; or
• an advertising relationship.

Where a commercial relationship may materially influence the presentation or position of a result, it shall be clearly identified by terms such as “Advertisement”, “Advertising link”, “Sponsored” or equivalent wording.

6.3. No Whole-of-Market Comparison

Unless expressly stated otherwise, the Platform does not compare all products or lenders available on the market.

Results should be understood as a selection and not as an exhaustive market analysis.

6.4. Information Obtained from Third Parties

Some of the information displayed is obtained from lenders, advertising networks, business partners or public sources.

CREDI4ME takes reasonable measures to keep this information up to date but cannot guarantee that a third party will not change its terms after a product page has been updated.

The user must always verify the final information on the lender’s website before starting an application.

7. General Offers and Representative Examples

7.1. General Nature

The amounts, durations, rates, APRs, discounts and other terms displayed correspond to general information or ranges communicated by third parties.

They do not constitute:

• an approval;
• a pre-approval;
• a pre-qualification;
• a promise of financing;
• a personalised offer; or
• a binding contractual offer addressed to the user.

7.2. Final Terms

Any terms that may ultimately be offered to the user will depend, among other matters, on:

• the information provided directly to the lender;
• the creditworthiness assessment;
• the lender’s internal risk policies;
• applicable law;
• product availability; and
• the lender’s decision.

The final terms may differ from the ranges or examples published on CREDI4ME.

7.3. Representative Examples

Where required by advertising law or useful to improve understanding, CREDI4ME may reproduce a representative example supplied or published by the relevant lender.

A representative example:

• is provided for information and advertising purposes;
• has not been calculated specifically for the user;
• does not confirm that the user satisfies the eligibility requirements;
• does not constitute a binding offer; and
• must be verified on the lender’s website.

Unless expressly stated otherwise, CREDI4ME does not alter the financial variables contained in the example supplied by the third party.

8. Promotions and Discounts

8.1. Third-Party Promotions

The Platform may provide information about general promotions offered by third parties, including discounts, fee reductions or other benefits.

Such promotions may be linked to access through a particular link.

8.2. Conditional Nature

Promotions are prospective and subject to:

• availability;
• their period of validity;
• requirements established by the third party;
• approval of the transaction;
• entry into the relevant agreement;
• compliance with the promotional conditions; and
• any other condition communicated by the lender.

Viewing or using a link does not guarantee that the promotion will be applied.

8.3. Responsibility of the Third Party

Verification of eligibility, approval of the loan and application of any discount are the sole responsibility of the entity offering the promotion.

CREDI4ME does not grant the discount and does not guarantee that it will be applied.

8.4. Recommended Disclosure

Where appropriate, promotions should be accompanied by wording equivalent to:

“Promotion subject to the lender’s terms and approval. Use of the link does not guarantee that the loan will be granted or that the discount will be applied.”

9. External Links and Leaving the Platform

9.1. Third-Party Links

The Platform contains links to websites operated by third parties.

When the user selects one of these links, the user leaves CREDI4ME and accesses a website governed by its own terms of use, privacy policy and cookie policy.

9.2. No Control Over External Procedures

CREDI4ME does not control:

• the lender’s forms;
• the information requested by the lender;
• the lender’s assessment systems;
• its approval criteria;
• any offer it may make;
• the execution of any agreement; or
• the subsequent management of the credit relationship.

9.3. Checks by the User

Before providing data or starting an application, the user should review:

• the identity of the lender;
• its terms and conditions;
• the pre-contractual information;
• the APR;
• the total cost;
• the consequences of non-payment;
• the privacy and cookie policies; and
• any other applicable legal information.

9.4. Unlawful or Inappropriate Links

Where CREDI4ME obtains actual knowledge that a link leads to unlawful or harmful content, it shall take reasonable measures to review and, where appropriate, remove or disable that link.

10. Advertising Remuneration

10.1. Commercial Relationships

Certain links, results or spaces on the Platform are advertising in nature.

CREDI4ME may maintain commercial relationships with:

• lenders;
• advertisers;
• advertising networks;
• affiliate networks;
• agencies; or
• measurement and attribution providers.

10.2. Form of Remuneration

CREDI4ME may receive remuneration for digital advertising, promotion, traffic generation, access through links, measurement or event attribution services.

Such remuneration may be linked to technical or commercial events defined in the relationship between CREDI4ME and the relevant third party.

10.3. No Transmission of Applications

Receipt of remuneration does not mean that CREDI4ME:

• transmits a loan application;
• identifies the user to the lender;
• delivers a credit file;
• assesses creditworthiness;
• represents either party; or
• participates in the agreement.

10.4. Advertising Transparency

Sponsored content and advertising links shall be clearly identified where their commercial nature is not already apparent from the context.

11. Technical Identifiers and Click Attribution

11.1. Redirection Event

When the user selects an external link, a technical identifier may be generated or transmitted for the purpose of:

• identifying the link or campaign;
• recording that a redirection took place;
• counting traffic;
• preventing advertising fraud;
• measuring performance; or
• attributing possible remuneration.

11.2. Information That May Accompany the Event

Depending on the technical configuration and the user’s cookie preferences, the event may include information such as:

• campaign identifier;
• link identifier;
• date and time;
• referring page;
• device or browser information;
• IP address or associated technical information; and
• other parameters strictly necessary for measurement, security or attribution.

The specific information used shall be described in the Cookie Policy and, where applicable, in the Privacy Policy.

11.3. Data Not Intentionally Included

CREDI4ME does not intentionally include in the link or click ID:

• full name;
• national identity number or identity document;
• email address;
• telephone number;
• password;
• payment details;
• internal account identifier;
• income;
• expenditure;
• debts;
• employment status;
• the amount the user intends to request;
• the desired term; or
• information concerning the user’s creditworthiness.

11.4. No Access to the Internal Account

External links do not allow the lender to access the user’s CREDI4ME account or consult data provided during registration.

CREDI4ME does not maintain an API, token or consultation mechanism through which a lender can retrieve the user’s internal profile using the click ID.

11.5. No Return Information

Unless expressly stated otherwise, CREDI4ME does not receive information enabling it to determine:

• whether the user started an application;
• what data the user provided;
• whether the application was approved or rejected;
• the amount or term requested;
• the conditions offered; or
• whether an agreement was entered into.

11.6. Data Protection and Cookies

A technical identifier or cookie may be subject to data protection and information society services legislation even where it does not directly include the user’s name.

Non-essential cookies and technologies shall be used in accordance with the preferences expressed by the user through the consent-management mechanism.

12. User Registration

12.1. Account Creation

Certain functionalities may require the user to create an account.

The user must provide truthful, accurate, current and complete information.

12.2. Purposes of Registration

Registration data may be processed for the purposes described in the Privacy Policy, including:

• creating and managing the account;
• authenticating the user;
• preventing duplicate, fraudulent or abusive registrations;
• maintaining the security of the Platform;
• providing the requested functionalities;
• responding to enquiries;
• complying with legal obligations; and
• sending marketing communications where a valid legal basis exists.

12.3. Identity Document

Where a national identity number or other identity document is requested, it shall be used exclusively for the purposes stated in the Privacy Policy, including verifying that the user is genuine, preventing duplicate accounts and combating fraudulent use.

The identity document shall not be transmitted to lenders in order to initiate, prepare or assess credit applications.

12.4. Login Credentials

The user is responsible for safeguarding their login credentials and preventing their use by third parties.

Any unauthorised access or suspected compromise of the account must be reported immediately.

12.5. Prohibition of False Accounts

The following are prohibited:

• registering under a false identity;
• impersonating third parties;
• creating multiple accounts to obtain improper benefits;
• using automated systems; or
• taking action intended to manipulate links, metrics or promotions.

13. Marketing Communications

13.1. Advertising Messages

CREDI4ME may send marketing communications by email, SMS or other electronic means where it has a valid legal basis and the requirements of applicable law are met.

13.2. Identification

Marketing communications shall clearly identify their advertising nature and the sender.

Where they contain advertising links to lenders, the user will access an external website on which any possible application must be started from the beginning.

13.3. Opt-Out

The user may object to or withdraw consent to marketing communications by using:

• the unsubscribe link included in each communication;
• the user area, where available; or
• a request sent to INFO@CREDI4ME.COM.

Opting out of marketing communications will not necessarily delete the user’s account unless the user also requests its deletion.

13.4. Content of Messages

Communications shall not state that:

• CREDI4ME has approved a loan;
• the user is pre-approved;
• financing is guaranteed;
• CREDI4ME will obtain the loan; or
• the link starts an application with CREDI4ME.

Communications may provide general information about lenders, products, promotions or available content.

14. User Obligations

The user agrees to use the Platform lawfully, diligently and in accordance with these Terms.

The following are prohibited:

• providing false information or impersonating another person;
• using another person’s account;
• interfering with the operation of the Platform;
• introducing malware, viruses or harmful code;
• carrying out attacks, unauthorised tests or improper access;
• using robots, scrapers or automated mechanisms without authorisation;
• manipulating identifiers, links, cookies or attribution events;
• generating false, repeated or fraudulent clicks;
• using the Platform for unlawful purposes;
• copying or commercially exploiting content without authorisation;
• infringing intellectual property, privacy or data protection rights; and
• obtaining or attempting to obtain data relating to other users.

CREDI4ME may suspend or terminate an account where there are reasonable indications of fraud, abuse, breach of these Terms or a security risk.

15. Accuracy and Updating of Information

15.1. Reasonable Diligence

CREDI4ME shall make reasonable efforts to ensure that published information is understandable and sufficiently up to date.

15.2. Possible Changes

Lenders may change their products, criteria, prices, promotions or conditions without immediately notifying CREDI4ME.

There may therefore be a temporary difference between the information shown on the Platform and the information available on the third party’s website.

15.3. Precedence of Lender Information

Official and final information provided directly by the lender during its process shall prevail over any general summary displayed by CREDI4ME.

15.4. Reporting Errors

Users may report possible errors or outdated information to INFO@CREDI4ME.COM.

16. Liability

16.1. CREDI4ME’s Own Liability

CREDI4ME shall be liable for its obligations in accordance with applicable law.

Nothing in these Terms excludes or limits any non-waivable consumer rights or any liability that cannot legally be excluded.

16.2. User Decisions

The user is responsible for assessing their financial circumstances and reviewing the documents supplied by the lender before entering into an agreement.

The general information available on the Platform does not replace professional advice that the user may require.

16.3. Third-Party Actions

CREDI4ME is not responsible for approval or rejection decisions, the terms offered or the performance of agreements entered into exclusively between the user and a third party.

This exclusion shall not apply where the loss arises from a breach by CREDI4ME for which it is legally responsible.

16.4. Technical Availability

CREDI4ME does not guarantee that the service will be permanently or uninterruptedly available.

Access may be temporarily suspended due to:

• maintenance;
• updates;
• security incidents;
• provider failures;
• force majeure; or
• compliance with legal obligations.

CREDI4ME shall take reasonable measures to limit the duration and effects of interruptions.

16.5. Security

CREDI4ME applies reasonable technical and organisational measures to protect its systems and data.

However, no Internet-connected system can guarantee absolute security.

Users should keep their devices updated and exercise caution when dealing with suspicious communications or websites.

17. Intellectual and Industrial Property

17.1. Ownership

The texts, designs, databases, software, structure, logos, trade marks and other proprietary content of the Platform are protected by intellectual and industrial property law.

17.2. Licence to Use

The user is granted a limited, non-exclusive, revocable and non-transferable permission to access and use the Platform for personal purposes and in accordance with these Terms.

17.3. Prohibited Uses

Without prior written authorisation, it is prohibited to:

• reproduce;
• modify;
• distribute;
• communicate publicly;
• systematically extract;
• create derived databases;
• resell; or
• commercially exploit the content.

17.4. Third-Party Trade Marks

Third-party trade marks, names and logos belong to their respective owners.

Their appearance on the Platform is for identification or information purposes and does not grant the user any rights over them.

18. Data Protection

18.1. Privacy Policy

The processing of personal data is governed by the Privacy Policy, which forms part of the Platform’s legal information.

The Privacy Policy shall identify, among other matters:

• the data controller;
• categories of data;
• purposes;
• legal bases;
• recipients;
• retention periods;
• international transfers;
• the user’s rights; and
• how those rights may be exercised.

18.2. Applicable Legislation

Personal data shall be processed in accordance with Regulation (EU) 2016/679, Spanish Organic Law 3/2018, and any other applicable legislation.

18.3. Separation from Lenders

Information registered with CREDI4ME shall not be disclosed to lenders in order to initiate or prepare credit applications, unless a different functionality is introduced in the future and the user is informed in advance on the basis of an appropriate legal ground.

18.4. Data Entered on External Websites

Data provided directly by the user on a lender’s website shall be processed by that third party under its own responsibility and in accordance with its privacy policy.

19. Cookie Policy

19.1. Separate Information

The use of cookies and similar technologies is governed by the Cookie Policy.

19.2. Consent

Non-exempt cookies shall only be installed or used where there is a valid legal basis and, where required, after the user has given consent.

19.3. Preference Management

The user may accept, reject or configure categories of cookies through the available settings panel.

Rejecting non-essential cookies shall be as accessible as accepting them.

19.4. Third Parties

The Cookie Policy shall properly identify third-party cookies or technologies used for advertising, measurement or attribution, including their duration and purpose.

20. Amendment of the Terms

CREDI4ME may amend these Terms in order to:

• adapt them to legal changes;
• introduce new functionalities;
• improve clarity;
• correct errors;
• strengthen security; or
• update the operation of the service.

The current version shall be published together with its effective date.

Where an amendment materially affects registered users, reasonable prior notice shall be given unless immediate application is required by law or for an urgent security reason.

21. Duration, Suspension and Account Closure

21.1. Duration

These Terms remain in force for as long as the user accesses or uses the Platform.

21.2. Account Closure

The user may request closure of their account through:

• the private user area, where available;
• the available form; or
• a message sent to INFO@CREDI4ME.COM.

The request shall be processed without undue cost or unjustified obstacles.

21.3. Subsequent Retention

Closure of the account shall not prevent the retention of certain data where necessary to:

• comply with legal obligations;
• address potential liabilities;
• prevent fraud; or
• establish, exercise or defend legal claims.

The relevant retention periods shall be described in the Privacy Policy.

21.4. Suspension for Breach

CREDI4ME may suspend or terminate accounts used fraudulently, unlawfully or in breach of these Terms, subject to applicable legal requirements.

22. Customer Support and Complaints

Users may contact CREDI4ME through:

• Email: INFO@CREDI4ME.COM
• Form: https://credi4me.com/
• Postal address: Harju maakond, Tallinn, Kesklinna linnaosa, Narva mnt 7, 10117, Estonia

CREDI4ME shall respond to enquiries and complaints within a reasonable period and in accordance with applicable consumer law.

Where legally required, information shall be provided about available out-of-court dispute-resolution mechanisms.

23. Severability

If any provision is declared invalid, unlawful or unenforceable, this shall not affect the remaining provisions.

Where legally possible, the affected provision shall be interpreted or replaced by a valid provision that most closely reflects its legitimate purpose.

24. No Waiver

Failure by CREDI4ME to exercise any right shall not constitute a waiver of that right.

Any waiver must be express and in writing.

25. Governing Law and Jurisdiction

These Terms are governed by the laws of Estonia, without prejudice to any mandatory consumer protections applicable by reason of the user’s place of residence.

Disputes shall be submitted to the courts having jurisdiction under applicable law.

Where the user is a consumer, nothing in these Terms restricts the user’s right to bring proceedings before the courts available to them under mandatory law, including the courts of the user’s domicile where applicable.

26. Last Updated

Last updated: 1 January 2025.