Customer requirements Getting a loan Online service
Sign Up Sign In

Public Offer

Consent

I consent to UAB GLOBAL AD LINKS collecting, storing, and processing my personal data, which includes:

  • First name and last name
  • Mobile phone number
  • E-mail address
  • Residence address

This consent is for:

  • Maintaining contact
  • Sending mail to my provided address
  • Phone communication
  • Sending SMS to my mobile phone
  • Emailing information about new services, updates, request confirmations, clearing applications, and verifying information

I confirm that:

  • My personal data is provided voluntarily and with full knowledge;
  • The data in the questionnaires are accurate;
  • This consent is given for five (5) years, with the option of unilateral withdrawal at any time by submitting a request on the Contact Us page.

Public Offer (Agreement)

for the provision of information services through the use of the Service

1. General Provisions

1.1. This public offer (the 'Offer') for the provision of information services is a public offer provided by UAB GLOBAL AD LINKS (hereinafter - the 'Operator') which determines the terms and conditions of using the website finandos.com and the provision of the Operator's Services to the Customer (hereinafter - the 'User') (hereinafter - the 'Agreement').

1.2. The Operator and the User, separately, may sometimes be referred to as the 'Party' and jointly as the 'Parties' in the following agreement.

1.3. This Offer is addressed to legally capable persons being the Users of the website finandos.com. The Offer is an official public offer made by UAB GLOBAL AD LINKS with the purpose of entering into the Agreement.

1.4. The current version of the Offer is available on the Operator's Website at: finandos.com so that the User can read it carefully and with due diligence before accepting the terms and conditions of the Offer. The Tariff and Refund Policy as well as the Privacy Policy are available on the Operator's Website and shall constitute integral documents of this Agreement.

1.5. This Agreement shall be deemed concluded and effective from the date when the User performs the actions set forth in Clause 3.2 of the Agreement, which means complete and unconditional acceptance by the User of all terms and conditions hereof without any exceptions and / or restrictions.

1.6. Either Party represents and warrants that it has required legal capacity and all rights and powers necessary and sufficient to enter into and perform the Agreement in accordance with the terms and conditions hereof.

2. Terms and Definitions Used in the Agreement

In this Agreement, the following terms are defined as:

  • Authorization Data: Data enabling the Authentication of the user. Typically, the User's login and password constitute the Authorization data.
  • Authentication: The process of confirming the User's legal capacity to conduct transactions or obtain information on transactions through the Service, as established by this Agreement. Authentication is done using the Operator's software based on the Authorization Data entered by the User.
  • Privacy Policy: A policy regulating the processing and storage of personal and/or any other data of the User and the Operator throughout this Agreement.
  • Tariff and Refund Policy: A policy outlining the payment method, prices, and refund policy related to the User's payments for the Operator's Services. Details and updates are provided on the Operator's Website.
  • Request: An electronic document created by the User, indicating Information to be used by the Service.
  • Information: Data about the preferred characteristics of the loan provided by the User, used by the Operator to prepare the Report, and including the User's Personal Data.
  • Lender: A legal entity, separate from the Operator, engaged in microfinance activities and granting loans to the User under the Loan Agreement.
  • Operator: UAB GLOBAL AD LINKS, providing the Service to the Users and performing related actions.
  • Report: An electronic document generated by the Operator based on the User's Request. It includes a list of offers from Lenders, supplemented at the Operator's discretion with other potentially interesting offers for the User.
  • Right to Block the User: The Operator's unilateral right to block the User from using Services as provided in article 5.15 of this Agreement and the Tariff Policy.
  • User: An individual with a user account, having completed registration and received Authorization Data.
  • User Form: A page on the Operator's Website for entering registration information to access the Website in accordance with this Agreement and Privacy Policy.
  • Operator's Website: The Operator's online resource at finandos.com, enabling the User to use the Service.
  • Service (Services): The actions of the Operator, including providing access to information, enabling User Requests, and processing Information for lending offers.
  • Information Service: The Operator's division that provides information to the User about using the Service.
  • Tariffs (Tariff and Refund Policy): Types and methods of payment, along with prices for the Operator's Services.
  • Services Delivery Certificate: A document generated and emailed to the User after each Service provision.
  • Period of Service Provision (Periods): Timeframes for the provision of Services by the Operator. Details are on the Operator's website at this link.

3. Scope of the Agreement

3.1. This Agreement establishes the conditions and procedures for the provision of Operator Services to the User.

3.2. Acceptance of the terms and conditions of this Agreement at the time of registration indicates the User's full and unconditional consent to these terms.

3.3. The User shall pay for the Operator Services as outlined in Clause 6 of this Agreement and the Tariff and Refund Policy available on the Operator's Website.

4. Legal Framework

4.1. By using the Operator's Services, the User consents to receive necessary information from the respective databases of partners, in accordance with legislative requirements and GDPR provisions, upon the User's consent.

4.2. The legitimate interest is based on legislation allowing banks, credit institutions, non-bank financial institutions, electronic money institutions, and payment institutions to access such information for credit risk assessment, credit health analysis, or achieving a legitimate interest of the User or a third party, provided it does not harm the person's interests or fundamental rights and freedoms. This includes responsible lending activities, compliance with data protection laws, credit health assessment, and credit risk management. The Services enable users to assess their credit health and potential lenders to evaluate credit risks and make informed business decisions under lending laws.

4.3. The Operator does not create the User's credit background and is not responsible for decisions made by potential lenders based on the User's credit health assessment.

4.4. By using the Operator's Services, the User consents to receive required information from respective databases in accordance with data protection legislation, ensuring the legitimate interest of the User or third parties is not detrimental to the User's fundamental rights and freedoms.

4.5. Private data processing adheres to high security and privacy standards, compliant with the GDPR. This information is not public and is accessible only to the Operator, User, and potential Lender, subject to the User's request and consent.

4.6. Matters concerning your Private Data are governed by our Privacy Policy. By using the site, you consent to data collection as outlined in the Privacy Policy, which you are advised to read carefully.

5. Procedure and Conditions for the Provision of the Service

5.1. Registration on the Website

5.1.1. To access the Service, the User must accept this Agreement's terms while completing the User Form on the Website. Entering data on the Website implies the User's acceptance of these terms.

5.1.2. The User must fill out the User Form with full name, date of birth, residence, phone number, email address, and password.

5.1.3. The User must provide accurate and up-to-date personal data in line with Clause 7 and the Privacy Policy.

5.1.4. The User is responsible for maintaining the confidentiality of their authorization data and for all actions taken with their personal data on the Website.

5.1.5. If the User becomes aware of any unauthorized use of his/her Authorization Data, he/she shall immediately notify the Operator thereof by submitting a request on the Contact Us page.

5.2. During Website Registration

5.2.1. To use the Services, the User must follow the established Request submission procedure.

5.2.2. To submit a Request, the User provides required Information and consents by checking the CoF box, agreeing to personal data processing as per the CoF provisions.

5.2.3. The Request includes loan characteristics like amount, term, and personal details required by Lenders.

5.2.4. Requests are made from the User's Personal Account after payment for Services as specified in Clause 7.

5.2.5. Upon receiving a Request, the Operator forwards it to potential Lenders for consideration.

5.2.6. The Operator's role is limited to analyzing and selecting financial products from Lenders. The Operator is not involved in any agreements between the User and Lenders.

5.2.7. The Operator does not guarantee loans or credits from Lenders but selects lending options for consideration. Lenders independently decide on loan grants.

5.2.8. The Operator provides services round-the-clock, with non-automatic actions performed on weekdays.

6. Rights and Obligations of the Parties

6.1. Rights and Obligations of the Operator:

  • 6.1.1. Provide round-the-clock access to the Website.
  • 6.1.2. Reserve the right to check and pre-moderate User-provided Information.
  • 6.1.3. Consider all Requests and submit relevant Reports, contingent on the User’s comprehension and completion of the Request as per this Agreement.
  • 6.1.4. Notify Users of any changes to this Agreement by updating the Website.
  • 6.1.5. Have the Right to block Users for non-payment as specified in this Agreement.
  • 6.1.6. Suspend Website/Service operation for significant malfunctions, errors, failures, maintenance, or to prevent unauthorized access.
  • 6.1.7. Limit User-requested loan amounts in Requests as displayed on the Website.
  • 6.1.8. Display alternative loan and credit options in the User's Personal Account, even if they don’t meet initial specifications.

6.2. Rights and Obligations of the User:

  • 6.2.1. Comply with this Agreement's rules.
  • 6.2.2. Provide accurate information during Website registration.
  • 6.2.3. Refrain from reproducing, duplicating, copying, selling, reselling, or commercially using any part of the Service without written consent from the Operator.
  • 6.2.4. Access the Website using Authorization Data from one device at a time.
  • 6.2.5. Not provide account access to third parties.
  • 6.2.6. Independently stay informed about changes in Tariffs and this Agreement on the Website.
  • 6.2.7. Pay for Services according to Tariffs, within specified time limits and terms. Tariffs are available on the Operator's website.
  • 6.2.8. Submit claims and requests to the Operator as stipulated by this Agreement.
  • 6.2.9. Terminate this Agreement via the Operator's website, forfeiting all access and use of the Operator's website and Services without refund.

7. Value of Services and Payment Procedure

7.1. The value of the Operator's Services is set in the Tariffs published on the Website.

7.2. The Operator reserves the right to unilaterally change, establish new, or cancel existing Tariffs. If the User disagrees with new Tariff changes, they may terminate this Agreement unilaterally.

7.3. All services are provided on a 100% prepayment basis. The User must make full payment in advance during registration.

7.4. Payment for the Operator's Services can be made using a bank card through the Website or other means agreed upon with the Operator, including online technologies compliant with the law.

7.5. After service provision, the Operator will issue a Services Delivery Certificate, emailed to the User's specified email address. The Services shall be deemed to be properly provided and fully accepted by the User. Absence of objections within this period implies acceptance of the Services' quality.

7.6. If the User terminates this Agreement, no refunds will be provided for the unused Service Provision Period.

7.7. By entering this Agreement, the User consents and acknowledges the absence of a withdrawal period or refund policy, except as stipulated in the Tariff and Refund Policy on the Operator's Website. The User agrees to lose the right of withdrawal once the Operator's Services have been provided.

8. Personal Data

8.1. By providing personal data on the Website, the User confirms their understanding and agreement with the Privacy Policy of UAB GLOBAL AD LINKS, available on the Website, and consents to the processing of personal data to fulfill this Agreement.

8.2. The purpose of processing the User's personal data is to provide services, enable Service usage, participate in advertising campaigns, target advertising, and other actions as described in the Agreement.

8.3. Personal data processing begins when the User registers on the Website or orders Services and continues until withdrawal of consent for data processing.

8.4. The User agrees to receive information about advertising campaigns and other non-prohibited information from the Operator and/or its partners, including Lenders, at the specified email address.

8.5. The User understands that for Service provision, the Operator will receive personal information as detailed in the Privacy Policy, including credit health rate from the User, public registers, Central Credit Register, Lenders, or Operator's partners authorized to process such data by User consent.

9. Intellectual Property

9.1. The website and all of its components are the sole property of the Operator.

9.2. The Operator retains all rights to confidential information, including commercial and marketing strategies, technological know-how, plans and designs for new products, business practices disclosed by each party, and the content of interactions between the parties.

9.3. The User is prohibited from dismantling, reverse-engineering, or using the Services to create competitive services; creating products or services based on ideas, features, capabilities, or designs from the Operator's website or Services; using without authorization any concepts, features, capabilities, or images from the Services or website; or taking any action that may infringe the Operator's intellectual property rights.

9.4. Except for the limited rights expressly granted in this Agreement, the Operator retains all rights, titles, and interests in and to the Services, including all related intellectual property rights. The User has no other rights under this Agreement beyond those expressly granted.

9.5. The Operator is entitled to utilize and incorporate into its services any recommendations, corrections, suggestions, or other feedback regarding the Services provided by the User.

10. Liability of the Parties

10.1. The Parties shall be liable for failure to fulfil or improper fulfilment of the provisions of this Agreement.

10.2. While the Operator moderates User-provided Information, it is not responsible for consequences arising from User non-compliance with the requirements in paragraphs 5.1.3-5.1.5.

10.3. The User acknowledges that the Services may be protected intellectual property.

10.4. Website text content (articles, publications) may be distributed with an active link to the Website.

10.5. The Operator is not liable for direct or indirect losses caused by the User's inability to use the Website or Services due to internet connection issues, technical difficulties, or other reasons not within the Operator's control. The Operator is not liable for losses incurred using its Services unless due to bad faith, willful default, or fraud by the Operator.

10.6. The Operator is not liable for actions or omissions of Lenders providing loans, or for information disclosed by the Lender about the loan provision. The Operator does not guarantee loan or credit grants, only selects suitable loan options for the User.

10.7. The Operator is not liable for results achieved using information in the Report. The User uses Lender offers at their own risk.

10.8. The Operator is not liable for Service inconsistency with User expectations or perceptions, which does not constitute poor or insufficient quality.

10.9. The Services are provided 'AS IS'. Inconsistency with User expectations or negative perceptions does not constitute poor or insufficient quality.

10.10. The Operator's liability, including for claims, contributions, and indemnification related to third-party claims, is limited to the last payment received from the User for the specific Services. The Operator is not liable for special, indirect, consequential, lost profits, or punitive damages. The User agrees to limit the Operator's liability and acknowledges the Operator is not liable for Lender actions or damages due to errors, omissions, or negligence.

10.11. The User agrees that the Operator does not create the User's credit history and is not liable for potential Lender decisions based on the User's credit health assessment.

11. Force Majeure Circumstances

11.1. The Parties are not liable for delays or non-performance of obligations under these Regulations if caused by uncontrollable circumstances such as war, riots, sabotage, embargo, fires, floods, acts of God, explosions, government actions, strikes, etc. These are considered force majeure circumstances. Parties must notify each other in writing within 24 hours of becoming aware of any force majeure event impacting their performance.

11.2. Neither Party is liable for damages, losses, claims, or expenses incurred due to force majeure circumstances.

11.3. If force majeure circumstances disrupt or render impossible the performance of obligations for more than 30 days, either Party may terminate this Agreement with prior written notice to the other Party.

11.4. In case of a Force Majeure Event, the Operator may, at its discretion:

  • (a) Suspend or modify application of any part of these Regulations to the extent that the event makes compliance impossible or impractical; or
  • (b) Take any other reasonable actions considering the circumstances, in relation to the Operator, the User, and the Operator's other Users.

12. Dispute Settlement Procedure

12.1. All disputes and disagreements arising from this Agreement at the User's initiative should be resolved through out-of-court procedures.

12.2. In the event of a dispute or disagreement related to this Agreement, the Parties must send each other written complaints within 10 (ten) working days to the following addresses:

  • 12.2.1. If directed to the Operator - to the Operator's legal address.
  • 12.2.2. If directed to the User - to the email provided by the User in their Personal Data and/or User Form.

12.3. If the dispute is not resolved within ten working days of receiving the written complaint, the parties shall refer the dispute to the appropriate judicial authority.

13. Governing Law

13.1. This Agreement will be construed in accordance with and governed by the laws of Lithuania.

13.2. For all matters not covered in this Agreement, the Parties shall be governed by the laws of Lithuania.

14. Miscellaneous

14.1. Electronic Communications: The Operator will send information related to the User's account (e.g., payment authorizations, invoices, changes in password or Payment Method, confirmation messages, notices) in electronic form, for example, via emails to the email address provided during registration in the User's Form/Authorization Data.

14.2. Survival: If any provision or provisions of this Agreement are found to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall remain in full force and effect.