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Tariff and Refund Policy Overview

This Tariff and Refund Policy forms an essential component of the UAB GLOBAL AD LINKS Public Offer (Agreement). It establishes all pricing, terms of the Operator's Services, and refund policies under the Agreement between the Operator and the User.

Policy Description

The Tariff and Refund Policy outlines the tariffs and payment procedures for Services offered by the Operator in line with the Public Offer. Details about the Services available in specific periods can be found in our Public Offer.

User Consent

By submitting Personal Data necessary for service payment processing, the User acknowledges and agrees to the terms of the Public Offer, Privacy Policy, Tariff and Refund Policy, and the User’s Credentials Storage Agreement. We advise reading these documents thoroughly before ordering Services.

Payment Periods

Payments for Services are categorized into the following periods:

Standard Period

Defined as 30 calendar days, starting as follows:
1. Post-Trial Period: Begins the day after the Trial Period ends, upon the User's payment, and lasts 30 days.
2. Without Trial Period: Starts on the day the User pays for the Services.
Trial Period

A 3-day period beginning from the User’s payment for the Services and concluding on the third day. The Standard period fee is charged the following day after the Trial period concludes.
Trial Period Termination

Users can terminate the Trial period within its duration to prevent the start of the Standard period. Such termination results in the loss of access to the Operator's Website and Services without a refund. To unsubscribe, visit the Account section, then navigate to Billing Overview and click Cancel subscription. This action will remove the linked financial data from the User's personal account, cancel the Service subscription, and void any pending payments.
Subscription Basis

Services are provided on a subscription basis, starting either on the first day of the Trial or Standard period, lasting up to four continuous Service Provision Periods since the Standard Period begins. The subscription's end signifies the Agreement's termination.
One-Time Trial Period

Each User is entitled to a single Trial period. Upon termination of the Trial period by the User or by its expiration, the User can only access the Standard period. The Trial period is non-extendable and limited to one use per User.

Service Pricing

The prices for the Operator's Services are detailed below:

Trial Period: €0.99 for 3 calendar days.
Standard Period: €39.99 for 30 calendar days.

Payment Terms

Service payments under this Agreement are to be made with 100% prepayment, following the methods outlined in the Agreement and this Tariff and Refund Policy.

User Responsibility

Users are responsible for the accuracy of their payments. In cases where payments fail due to reasons like expiration, insufficient funds, or other issues, and if the Agreement is not terminated by the User, the Operator reserves the right to block the User’s account until full payment is made.

Completion of Payment Obligation

The obligation of the User to pay for the Operator’s Services is considered fulfilled only after the Operator receives the full payment amount.

Price Adjustment Rights

The Operator may modify the Service prices at any time at its discretion. Changes will be communicated by updating the Tariff and Refund Policy. Users are encouraged to periodically review this Policy to stay informed about current prices.

Pricing for Standard and Additional Services

Prices listed apply to standard Services. If additional services are provided, their costs will be adjusted accordingly.

Currency and VAT

All prices are set in EUR and include VAT (21%).

Refund Policy and Bank/Merchant Rates

Payments for the Operator’s Services are non-refundable and do not cover bank and/or merchant provider rates.

We respect our Users’ privacy. This Privacy Policy clarifies the following:

What Personal Data is collected by finandos.com or provided by You, and the use of our Website and software applications.
How Your Personal Data will be used, its storage, and protection of Your data rights.

Please read this Privacy Policy carefully.

Definitions and Interpretation

The following terms are used in this document:

Data Controller: means a person (acting independently or jointly with others) that determines the purpose and procedure for processing certain Personal Data.
Data Handler: means any person or entity that processes data on behalf of the Data Controller.
"You", "Your", or "Data Subject":refers to the Website visitors, Users of our Services and applications, and potential or existing clients communicating with us by phone, via email or otherwise
Personal Data: means any information relating to an identifiable person that can be directly or indirectly identified.
Website: finandos.com, including all its Services and functions.

The term "Personal Data" includes various identifiers like name, ID number, location data, or online identifier, as defined in the Regulation (EU) 2016/679 (General Data Protection Regulation, GDPR) (where applicable).

Privacy Policy Changes

We may update this Privacy Policy periodically. Please review it regularly. If You disagree with any changes, please discontinue use of the website.

About Us (Data Controller Identification)

UAB GLOBAL AD LINKS is registered at Vilnius, Naugarduko g. 68-3, Lithuania, LT-03203 and operates as finandos.com, along with its affiliates and data handlers.

Personal Data Provided to Us

We collect information You voluntarily provide to enhance our Website, products, and Services. This includes data submitted through contact forms, account creation, or direct communication.

This information may be collected when You subscribe to our Services, participate in forums, promotions, surveys, use social network functions on our site, or report issues.

Personal Data Processing Details

Personal Data	Last name, name, login, password resident address
When We collect	In registration procedure
How We use	We use Your personal and contact information to register You as a User and identify You in Our Services. Login and password You can use to log in
Why We use	Necessary for the performance of a contract with You

Personal Data	Information about Your age
When We collect	In registration procedure
How We use	We need to make sure that Your use of Our Services is legal
Why We use	Necessary to comply with a legal obligation

Personal Data	Email, phone number
When We collect	In registration procedure
How We use	Use email to restore Your account. We use it to notify You about changes to Our Terms or Privacy Policy; to communicate with you.
Why We use	Necessary for the performance of a contract with you
How We use	We use Your e-mail address to inform You about the latest updates of Our Services and other products You may like. If You have subscribed to Our newsletter, We may send You marketing communications and information that will create an excellent customer experience
Why We use	Only with Your explicit consent

Personal Data	Information in application form
When We collect	In application form
How We use	We Use this information for a single application for prompt interaction with credit institution
Why We use	Necessary for the performance of a contract with you

Personal Data	Name, surname, patronymic, residential address
When We collect	In registration procedure
How We use	We use Your Personal Data as part of Our due diligence / KYC procedure on Our “Know Your Customer” KYC portals and to identify You in Our Services
Why We use	Necessary to comply with a legal obligation

Personal Data	Data on the use of Our Services, links
When We collect	When You use Our Services
How We use	We use it to improve Your customer experience and provide bespoke Services that satisfy Your needs and preferences
Why We use	Necessary for Our legitimate interests

Personal Data	Unique identifiers, browser type and settings, device type and settings, operating system, mobile network information. We also collect information about the interaction of Your browsers and devices with Our Services, including OS, IP address, URL of Your request
When We collect	When You use Our Services
How We use	We use it to optimize Our Service and to improve Our Website, Services, direct marketing, User relationships, behavior profiling and experiences
Why We use	Necessary for Our legitimate interests

Personal Data	Financial data, which includes Credit Card Number, Expiration Type, CVV (3 numbers on back) of the credit card and transactional information from Your use of our Services.
When We collect	When You use Our services
How We use	We use them to provide You with our Services as specified in the Public Offer. The use of Your financial information is necessary to provide You with subscription-based Services. Please review our Tariff and Return Policy by entering Your Financial data
Why We use	(a) Performance of a contract with you (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate interests

Personal Data	When We collect	How We use	Why We use
Last name, name, login, password resident address	In registration procedure	We use Your personal and contact information to register You as a User and identify You in Our Services. Login and password You can use to log in	Necessary for the performance of a contract with you
Information about Your age	In registration procedure	We need to make sure that Your use of Our Services is legal	Necessary to comply with a legal obligation
Email, phone number	In registration procedure	Use email to restore Your account. We use it to notify You about changes to Our Terms or Privacy Policy; to communicate with you.	Necessary for the performance of a contract with you
Email, phone number	In registration procedure	We use Your e-mail address to inform You about the latest updates of Our Services and other products You may like. If You have subscribed to Our newsletter, We may send You marketing communications and information that will create an excellent customer experience	Only with Your explicit consent
Information in application form	In application form	We Use this information for a single application for prompt interaction with credit institutions	Necessary for the performance of a contract with you
Name, surname, patronymic, residential address	In registration procedure	We use Your Personal Data as part of Our due diligence / KYC procedure on Our “Know Your Customer” KYC portals and to identify You in Our Services	Necessary to comply with a legal obligation
Data on the use of Our Services, links	When You use Our services	We use it to improve Your customer experience and provide bespoke Services that satisfy Your needs and preferences	Necessary for Our legitimate interests
Unique identifiers, browser type and settings, device type and settings, operating system, mobile network information. We also collect information about the interaction of Your browsers and devices with Our Services, including OS, IP address, URL of Your request	When You use Our services	We use it to optimize Our Service and to improve Our Website, Services, direct marketing, User relationships, behavior profiling and experiences	Necessary for Our legitimate interests
Financial data, which includes Credit Card Number, Expiration Type, CVV (3 numbers on back) of the credit card and transactional information from Your use of our Services.	When You use Our services	We use them to provide You with our Services as specified in the Public Offer. The use of Your financial information is necessary to provide You with subscription-based Services. Please review our Tariff and Return Policy by entering Your Financial data	(a) Performance of a contract with you (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate interests

Consent to Personal Data Processing

By accepting this Privacy Policy, You confirm that You have reached the age of majority or legal age in Your jurisdiction (usually 18 or older), are solely responsible for all Your actions, and fully understand the statements outlined in this Privacy Policy.

If You are an EU resident and we need Your consent for processing Your Personal Data as required by GDPR, we will only process it upon receiving Your freely given, specific, informed, and unambiguous indication of agreement (referred to as "Consent").

Consent can be given by ticking the respective box during account registration or when placing an order for our Services. By ticking this box, You consent to the processing of Your Personal Data as outlined in this policy and the relevant terms.

You may give Your consent to the processing of Your Financial data by checking the appropriate CoF (Credential on File) box when You place an order for the Services. If You check the appropriate box, You irrevocably and unconditionally agree that we are entitled to process Your Personal Data in accordance with Your Consent, as well as the other provisions of the CoF (Credential on File). Please read its provisions before ordering Services

Your Consent covers all processing activities with Your Personal Data carried out for the same purpose or purposes. When the processing has multiple purposes, Your Consent should be deemed given for all of them.

If You are not an EU Person, by transferring to Us Your Personal Data via the Software or otherwise, You irrevocably and unconditionally consent and agree that We shall be entitled, in accordance with this Policy:

to process in any manner, including to collect, store, use, disclose, share and transfer (including cross-border), Your Personal Data so provided to Us, as well as Your Personal Data collected from Your use of the Service (i.e. Your Personal Data which We collect automatically and/or from other sources); and
to use cookies and web beacons (pixel tags) to collect Your Personal Data.

Children

Our Services are not marketed to children. If You are under 18, You may use our Website only under the supervision of a person performing parental duties . We do not knowingly collect Personal Data from children under 18 without the consent of a person performing parental duties.

Information on Other People You Represent

If You provide us with Personal Data of others (e.g., for account creation or subscription to campaigns), You confirm that You have informed them about the purpose of using their data, its recipients, and their rights, and that You have obtained their consent.

Cookie Policy

Cookies are small files downloaded to Your device upon visiting a Website. They help us recognize Users’ device and improve our Website's functionality and speed.

We use cookies to personalize Your experience, track preferences, and enhance security. Here are some types of cookies we use:

Authentication Cookies: These help us display relevant information and personalize Your activities on our Services.
Session Cookies: These store Your session ID, allowing You to resume sessions without re-entering Personal Data.
Security Cookies: Used for detecting malware and enhancing security.
Preference Cookies: These adapt our site to Your preferences, such as language and communication settings.
Performance and Analytics Cookies: Help us analyze and improve our website's performance.
Third-Party Cookies: finandos.com sends cookies to Your device; Some third parties may send cookies to Your device. The purpose of this data processing is to track conversions and data transfer to related parties. This is necessary in order to perform the agreement concluded with third parties (our related parties) that use our Services (Art. 6, part 1, lit. b) of GDPR Regulation). Our legitimate interests constitute a legal basis for such processing. Note: We never share personal information with third parties.

We use session, permanent, and external advertising cookies, including those from our partners and Service providers.

Cookie Details

Below is a detailed list of the cookies we use on our website:

Domain	finandos.com
Cookie name	XSRF-TOKEN
Cookie lifetime	1 hour
Description of the Cookie purpose	Provides protection against Cross-Site Request Forgery (XSRF) attacks

Domain	finandos.com
Cookie name	production_Finandos_session
Cookie lifetime	1 hour
Description of the Cookie purpose	Enables the API server to maintain technical data between frontend-backend requests.

Domain	finandos.com
Cookie name	production-visit
Cookie lifetime	1 hour
Description of the Cookie purpose	Identifies unique visits of clients to the website.

Domain	finandos.com
Cookie name	remember_web
Cookie lifetime	180 days
Description of the Cookie purpose	Used by Tailwind UI components package to track product usage.

Domain	finandos.com
Cookie name	[Random String Name]
Cookie lifetime	1 hour
Description of the Cookie purpose	Laravel Sanctum Authentication mechanism cookie, used to verify if a client is eligible to access services.

Domain	Cookie name	Cookie lifetime	Description of the Cookie purpose
finandos.com	XSRF-TOKEN	1 hour	Provides protection against Cross-Site Request Forgery (XSRF) attacks
finandos.com	production_Finandos_session	1 hour	Enables the API server to maintain technical data between frontend-backend requests
finandos.com.com	production-visit	1 hour	Identifies unique visits of clients to the website
tailwindui.com	remember_web	180 days	Used by Tailwind UI components package to track product usage
finandos.com	[Random String Name]	1 hour	Laravel Sanctum Authentication mechanism cookie, used to verify if a client is eligible to access services.

Managing Cookies

What to do if You do not want to set cookies or want to delete them?

Most browsers are set to automatically accept cookies, but You have the option to change this. You can adjust Your browser's security settings to block cookies, only accept cookies from trusted Websites, or receive notifications before a cookie is stored. You can also delete cookies already stored in Your browser at any time, which will remove the information they contain from Your device. Please note, changing these settings may impact Your experience on Websites.

Browser manufacturers typically provide detailed instructions on cookie management. Below are links to the support pages of some common browsers for more information:

For information on managing cookies in other browsers, please refer to the browser manufacturer's documentation.

Third-Party Cookies and Data Handling

Opting Out of Cookies

You can opt out of third-party Google Analytics cookies on their Website. Additionally, You can opt out of personalized targeting provided by ad servers through the Digital Advertising Alliance. To avoid personalized ads on mobile devices, You can adjust Your iPhone, iPad, or Android device settings.

Information on Third Parties We Receive

We may receive non-identification information from third parties, which we protect as per the terms of this policy and any additional restrictions imposed by the data source.

We place ads on partner Websites and networks, creating segments based on non-Personal Data for targeted advertising. For example, if You show interest in clothing, You may see related ads. We also collect data on ad requests and impressions, like number, geographic targeting (without precise location data), and related activities, for analysis and reporting purposes. We do not profile guests’ activities.

Where Do We Store Information?

We are committed to protecting Your privacy and personal information. We use a blend of technology, procedures, and administrative security measures to safeguard Your data from unauthorized access, use, or disclosure.

Our authorized Service providers (data handlers) complement our Services and are bound by confidentiality agreements and General Data Protection Regulation compliance. These providers may include Services from hosting providers, information technology providers, data protection and cybersecurity Service, web analytics Services, mailing and email monitoring, marketing Services. They process Your data strictly according to our instructions and do not use it for their own purposes.

Your Personal Data may be processed within the European Economic Area. Upon termination of their Services, data handlers are required to return or transfer data as per our instructions and delete any copies in their possession, unless required to retain them for legal or administrative reasons.

Data Storage and Usage

Unless a longer Personal Data storage and usage period is required or justified by law or by compliance with another legal obligation, we shall only retain your Personal Data for the period that is necessary to achieve and fulfill the objectives.

You have the right to withdraw Your Consent at any time. Refer to the "Your Rights" section for more details.

Legal Framework and Objectives for Using Your Personal Data

Our data processing complies with national regulations and rules.

For those in the European Economic Area (EEA), privacy rights are granted and all processing of Personal Data is performed in accordance with regulations and rules following the General Data Protection Regulation (GDPR).

We process Personal Data as a Controller, as defined in the General Data Protection Regulation. Legal basis:

i) the performance of Our contract with You (i.e. the provision of Our Services to you);

ii) our legitimate business interests (i.e. for fraud prevention, maintaining the security of Our network and Services, seeking to improve the Services that We provide and Your interaction with us). Whenever We rely upon this lawful basis We assess Our business interests to make sure that they do not override Your rights. Furthermore, in some cases You have the right to object to this processing;

iii) with Your consent for direct marketing purposes so that We may keep You fully up to date with other products and Services that We supply and think may be of interest to you. Where We rely upon consent, We will need Your explicit consent, which may be removed at any time;

iv) law purposes.

The main purposes of using the collected data are described in more detail below.

1. We will use the information provided by You for better performance, and we will do our best to process Your request. The Agreement and Your consent constitute a legal basis for data processing.

1.1 At the request of the Data Subject, complete a number of steps before providing the requested Service.

1.2 Coordinate interaction with you, analyze application and profile data, comply with the terms and conditions of our agreement and send Your Personal Data to private lenders.

2. Upon termination of our contractual relationship, we can store Your information as long as possible to fulfill our obligations and legal obligations in accordance with our legitimate interests as the Data Controller. Legal obligation constitutes legal basis for such information storage. As the Data Subject, You have the rights related to Your Personal Data storage and processing. See Your Rights section.

3. Develop and conduct marketing activities; find out how customers use products and Services provided by us and other organizations; discuss our products and Services with you. Our legitimate interests and Your consent constitute legal basis for such data processing.

3.1 If You do not want to receive such advertising emails, You may withdraw Your consent at any time by contacting us as described in Your Rights section or by clicking "Unsubscribe" following the instructions or instructions You receive from advertising materials. However, in this case, we will not be able to perform our agreement and properly inform You about loans available.

4. Website Improvement

For example, we can automatically use the data collected, such as IP address and browser data, to improve our Website:

4.1 For the Website administration and internal operations, including data protection, diagnostics, testing, statistics and analysis.

4.2. To ensure the content presentation on the Website in the most effective way for You and Your device. Our legitimate interests constitute a legal basis for such data processing.

Information Disclosure to Third Parties

We do not lease, sell, or transfer Your Personal Data without Your consent, except to provide requested products or Services, or in specific circumstances such as legal requirements or company restructuring. Trusted partners (Data Handlers) may process Your data under confidentiality agreements but cannot independently use or disclose this information.

Disclosure may also occur:

If legally required or to address fraud and safety concerns.
In the event of a company acquisition or management change, with notification provided to you.
With Your permission, to private creditors as detailed in the "Legal Framework and Objectives" section.

We may also disclose data to law enforcement agencies for legal compliance, fraud prevention, or national security.

Your Rights

Under the EU General Data Protection Regulation (GDPR), You have several rights regarding your Personal Data:

1) The right to be informed about Our collection and processing of Your Personal Data including without limitation the legal basis for the collection and processing, the categories of data, the methods of data use, the envisaged period for which the Personal Data will be retained. This Privacy Policy should tell You everything You need to know, but You can always contact Us to find out more or to ask any questions.

2) The right to access Your Personal Data We collect about you, commonly referred to as “Subject Access Requests”, which provides you, as the data subject, the right to obtain a copy of Your Personal Data that We are processing for You

Pursuant to GDPR We are required to respond without undue delay to all Subject Access Requests in practice this means We have to respond within 1 month of receipt of the Subject Access Request.

Ordinarily Subject Access Requests are free of charge.

We may extend the time period for responding to a Subject Access Request by a further two months and may charge a reasonable fee if We deem the request to be manifestly unfounded or excessive, however, We are required to advise You of Our intention to do this within 1 month of Your subject access request.

Should You wish to make a Subject Access Request this can be done by contacting the Company using the contact details in Section 9.

3) The right to have Your Personal Data rectified if any of Your Personal Data that We collect and process is in any way inaccurate or incomplete.

4) The right of erasure (otherwise known as “the right to be forgotten”), i.e. the right to ask Us to delete or otherwise dispose of any of Your Personal Data that We process. Please note that this is not an absolute right, and We may not be able to comply with Your request as We may be legally obliged to continue to retain Your Personal Data for a specific period

5) The right to restrict (i.e. prevent) the processing of Your Personal Data by us.

6) The right to object to Us processing Your Personal Data for a particular purpose or purposes. Please note that the right to object only applies in certain circumstances and will depend on the purposes or legal basis for the processing.

7) The right to data portability. This only applies where You have provided Personal Data to Us directly, the legal basis for Us processing Your Personal Data is i) consent or ii) for the performance of a contract, and We are processing Your data using automated means. In such instances You have the right to receive Your Personal Data (or request that We transfer it to another Controller) in a structured, commonly used and machine-readable format.

8) Rights relating to automated decision-making and profiling. We do not use Your Personal Data in this way.

9) The right to lodge a complaint with any relevant Data Protection Authority, in particular in the member State of Your residence, place of work or the place of processing Your Personal Data.

Contacting Us

If You wish to exercise any of the aforementioned rights, please contact us. We request that in the first instance You contact Our data protection officer at any time by submitting a request on the Contact Us page.

Changes to this Privacy Policy

Future updates to our Privacy Policy will be posted on our app and website. Where appropriate, we will notify You of these changes on Your next website visit.

This Privacy Policy was last updated on 15.01.2024.

This Storage of the User's Credentials Agreement (hereinafter – the "Storage Agreement") is an integral part of the UAB GLOBAL AD LINKS Public Offering (Agreement) and is entered into between you (hereinafter referred to as the "User") and UAB GLOBAL AD LINKS (hereinafter referred to as the "Operator").
By ticking the relevant checkbox and/or clicking the "Pay" button, you express full consent to this Storage Agreement and authorize the Operator and its payment processing service provider to store your name, surname, card expiry date, and PAN number (hereinafter – the Credentials on File (COF)) and to initiate transactions on your behalf (Operator-Initiated COF Transactions) and/or to process transactions initiated by you (User-Initiated COF Transactions), using the Credentials of File.
Your Credentials will be used for both Operator-Initiated and User-Initiated COF Transactions for the Services provided by the Operator, as specified in the Tariff and Refund Policy.
Transaction confirmations under this Storage Agreement will include details such as card number, transaction amount, surcharges (if applicable), currency, date, authorization code, and the Operator’s location.
You will be notified of any changes to this Storage Agreement 7 business days before such changes become effective for scheduled Operator-Initiated COF Transactions, and 2 business days before for unscheduled Operator-Initiated COF Transactions or User-Initiated COF Transactions.
The Storage Agreement shall come into effect after successful authorization (or account verification) by your card issuer and receipt of your consent to this Agreement by the Operator. It remains valid until terminated by either you or the Operator as per the Tariff and Refund Policy.
The Operator's Tariff and Refund Policy can be accessed at the following link: Tariff and Refund Policy.
For any inquiries related to this Storage Agreement, please submit a request on the Contact Us page.

UAB GLOBAL AD LINKS

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
Communication on the specified phones
Sending SMS to the specified mobile phone
Sending messages to the specified e-mail address 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 true and correct;
This Consent is valid for the period that is necessary to achieve and fulfil the objectives, unless a longer retention period is required or justified by law or by compliance with another legal obligation but can be withdrawn anytime 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. By default, 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. The Tariff and Refund Policy for each type of Services and any other payment information shall be determined, specified and regularly updated 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.
Service (Services): shall mean the Operator’s following actions:
- the provision of access to an informational service (the Operator’s Website) which contains information on loans and credits available to the User in accordance with the User’s Request and the available Lender organizations;
- access to the Operator’s technological system available on the Operator’s Website, which enables to create and submit the User Requests for consideration by the Lenders for obtaining a loan by the User;
- actions performed by the Operator, including the collection and processing of Information from the Request of the User, aimed at processing the Request and providing the User with information on the Lenders’ offers that meet the requirements specified by the User when using the Service, as well as the provision of the User Requests to the Lenders in order to issue a loan or credit to 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 and affecting access to the Website, 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 (Website): The Operator's information resource in the information and telecommunication global network (hereinafter – the Internet) located at finandos.com, enabling the User to use the Operator’s Service.
Information Service: The Operator's division that provides information to the User about using the Service (by e-mail with the involvement of the Operator’s employee or by any other means available to the Operator).
Tariffs (Tariff and Refund Policy): Types and methods of payment, along with prices for the Operator's Services payable to the Operator by the User.
Period of Service Provision (Periods): Timeframes for the provision of Services by the Operator. The types of such Periods 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 the terms and conditions hereof.

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 Regulation (EU) 2016/679 (General Data Protection Regulation, GDPR) provisions within the framework of contractual cooperation 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 receive 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 or liable 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 for Operator`s Services from respective databases in accordance with data protection legislation, ensuring the legitimate interest of the User or third parties to whom the data are disclosed and agrees that this interest is not prejudicial to the interests or fundamental rights and freedoms of the User concerned under the applicable provisions of legislation.

4.5. Private data processing adheres to high security and privacy standards, compliant with the General Data Protection Regulation. 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 and conditions while completing the User Form on the Website. Entering data on the Website implies the User's acceptance of Agreement’s terms and conditions.

5.1.2. The User shall complete the User Form on the Website by entering the relevant registration information. The User shall enter his/her full name, date of birth, place of residence, phone number, email address, and password.

5.1.3. The User must provide true, complete and reliable information and up-to-date Personal Data in line with Clause 7 and the Privacy Policy.

5.1.4. The User is solely 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 the User shall not disclose (or, in the case of disclosure, shall be solely and fully responsible) his/her last names, first names, phone numbers, email addresses and other personal data or data of any third parties without their personal consent to such actions, expressly provided by completing the User’s form.

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 (Credential on File) box, agreeing to personal data processing as per the CoF (Credential on File) provisions.

5.2.3. The User shall choose the characteristics of the desired loan, namely loan characteristics like the amount, the loan term, his/her name, surname, place of residence and other personal details required by Lenders to make decisions.

5.2.4. Requests are made from the User's Personal Account after payment transaction carried out by the User for the provision of Services as specified in Clause 7.

5.2.5. Upon receiving a Request, the Operator forwards it to potential Lenders for consideration (from the list of Lenders posted on the Website).

5.2.6. The Operator's role under this Agreement is limited to analyzing and selecting financial products from Lenders. If the Lender provides a loan or credit to the User, the Operator shall not be a party to the agreement concluded between the User and the Lender, and therefore, the Operator shall not regulate or control the compliance of the transaction with applicable laws and standards, the terms of the transaction, as well as the acts and consequences of conclusion, performance or termination of the agreement, including regarding the repayment of the loan, and the Operator shall not consider the User’s claims regarding non-fulfilment (improper fulfilment) of the obligations by the Lender under such agreements.

5.2.7. The Operator does not guarantee loans or credits from Lenders but selects lending options (offers) and sends the Request to potential Lenders 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 in the terms and conditions of 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 for any commercial purposes 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 terms and conditions of this Agreement on the Website.
6.2.7. Pay for Services according to Tariffs, within specified time limits and terms. The Tariffs for each type of Services shall be determined, specified and regularly updated by the Operator and 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. The Services are considered properly provided and fully accepted unless the User submits written reasonable objections to the Operator within one calendar day after the service period ends at Contact Us page. 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 (if such are), 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 responsible or 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 (including civil war), riots, sabotage, embargo, fires, floods, acts of God, explosions, government actions or omissions, 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 the event that the Operator determines in its reasonable opinion that a Force Majeure Event exists, the Operator shall, 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 England and Wales.

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

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.