Terms & Conditions
The project matches financial products for clients, acting as an intermediary between the client who wants to receive financing and the credit institution that provides it. Creditify is not a financial company and operates within the framework of social and legal legislation. The operation of this service is not related to investment activities. All materials on this site are protected by copyright law. Final terms and conditions should be checked on the website of the credit organization. The site uses cookies to provide services. You can customize the conditions for storing or accessing cookies in your browser. The service is intended for persons over 18 years of age.
Introduction
This website (hereinafter "Website") is the property of Finlead Ltd. (registration number: HE 456177, address: Agias Faneromenis, 143 - 145 Patsias Court, Flat/Office 201, Larnaca, Cyprus).
If you use our services and provide your personal information, you accept and agree to be bound by all of the following Terms and Conditions. Please read our Terms and Conditions.
We reserve the right to change these Terms and Conditions at any time without prior notice. You are solely responsible for and agree to periodically review the Terms and Conditions of this Site.
All Finlead Ltd. services are subject to these Terms and Conditions of Website Use.
The purpose of this site
The purpose of this website is to collect online loan offers, provide information about the offers on the market and choose the best offer for you. The use of this website (creditify.ph) is free of charge. Loan providers pay Finlead Ltd. for the service of sending applications and customer data.
The site does not provide loans, but collects and compares offers from third parties.
Links from this website to third-party websites are provided for informational purposes only. We are not responsible for their content, as we do not check these sites and they are not owned by us.
Finlead Ltd. also collects all relative data from you and provides it to Creditify loan providers to find best offer for you. Finlead Ltd. is not able to forward credit information about you and the loan you wish to receive, unless you fill in all the boxes on the application form and click the button.
Terms and conditions of use
Only persons over 18 years of age may use the Website. Persons under the age of 18 may not use our services and, accordingly, may not send us their personal data.
You are solely responsible for your use of the Website. By providing your personal information on this website, you agree that this information will not be kept confidential. Your data and data related to the loan you wish to obtain may be transferred to third-party financial companies. Providing such information will make it easier for lenders to make an appropriate decision on granting a loan, as well as on its terms.
Current legislation
These Terms are governed by the applicable laws of the Philippines.
Limitation of responsibility:
- The Site may contain links to third parties, but does not guarantee and is not responsible for the accuracy and timeliness of the content of third-party information on the Site, and is not responsible for any damages arising from the use of their content.
- We do not guarantee that this website will be uninterrupted or error-free.
- We are not responsible for any damage that may be caused as a result of using the information posted on the Site.
- We are not responsible for decisions made by a credit institution based on information sent by Creditify to credit institutions.
Data protection
We are committed to treating with the utmost confidentiality, security and privacy all information that the user freely provides through the forms on the website.
The User is fully responsible for the accuracy of the data provided to the Network. The User undertakes not to enter false data. If the User enters false data or data relating to another person without his/her consent, the Website shall not be responsible for the processing of such data.
By accepting the legal terms of use of the site, you agree that the data filled in in the forms on the site may be transferred to companies that offer microloans and, therefore, process your data in order to process the loan you have requested.
You may withdraw your consent to receive commercial communications and/or advertising at any time. To do so, please contact us at [email protected]
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice. This website is not an offer to lend. Creditify.ph is not a lender or lending partner and does not make loan or credit decisions. Creditify.ph connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Creditify.ph does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Creditify.ph receives compensation from its lenders and lending partners. Regardless, Creditify.ph’s service is always free to you. You are urged to read and understand the terms of any loan offered by any lender, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.By submitting your information via this website, you are authorizing Creditify.ph and its partners to do a credit check, and a review of your creditworthiness. You also authorize Creditify.ph to share your information and credit history with a network of approved lenders and lending partners.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Creditify.ph has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score.
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.