Terms of Use

Welcome to Credit Online — LoanOn, a financial comparison service operated by TM MARKETING OPS S.R.L. These Terms of Use ("Terms") govern your use of our mobile application and services. By accessing or using our app, you agree to be bound by these Terms.

1. Acceptance of Terms

By downloading, installing, or using the Credit Online — LoanOn application, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. These Terms constitute a legally binding agreement between you and TM MARKETING OPS S.R.L.

2. Description of Service

Credit Online — LoanOn is a financial comparison platform that:

• Provides access to loan offers from licensed financial institutions
• Offers financial comparison tools and calculators
• Displays real-time exchange rates and financial information
• Facilitates connections between users and financial service providers
• Provides educational content about financial products

We are not a direct lender but rather a comparison service that connects users with licensed financial institutions.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information when requested
• Comply with all applicable laws and regulations
• Not be prohibited from using our services under applicable law

4. User Responsibilities

As a user of our services, you agree to:

• Provide accurate, current, and complete information
• Update your information promptly when it changes
• Use the service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use the service to transmit harmful or malicious code
• Respect the intellectual property rights of others
• Not impersonate any person or entity

5. Financial Information and Advice

Important disclaimers regarding financial information:

• We provide information for comparison purposes only
• We do not provide financial advice or recommendations
• All loan decisions are made by the respective financial institutions
• Interest rates and terms may vary and are subject to change
• You should consult with qualified financial advisors before making decisions
• We are not responsible for the accuracy of third-party information

6. Third-Party Services

Our application may contain links to third-party websites or services. We are not responsible for:

• The content, privacy policies, or practices of third-party sites
• The availability or functionality of third-party services
• Any transactions between you and third parties
• Any damages or losses resulting from third-party interactions

7. Intellectual Property

All content, features, and functionality of our application are owned by TM MARKETING OPS S.R.L. and are protected by international copyright, trademark, and other intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Reverse engineer or attempt to extract source code
• Create derivative works based on our application

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

9. Disclaimers and Limitations

Our services are provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy or reliability of information
• Warranties that the service will be uninterrupted or error-free
• Warranties regarding third-party products or services

10. Limitation of Liability

To the maximum extent permitted by law, TM MARKETING OPS S.R.L. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or other intangible losses
• Damages resulting from your use or inability to use the service
• Damages resulting from unauthorized access to your data
• Damages resulting from third-party conduct or content

11. Indemnification

You agree to indemnify and hold harmless TM MARKETING OPS S.R.L. and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from:

• Your use of the service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the service

12. Termination

We may terminate or suspend your access to our services at any time, with or without cause, with or without notice. Upon termination:

• Your right to use the service will cease immediately
• We may delete your account and data
• Certain provisions of these Terms will survive termination

You may also terminate your use of our services at any time by uninstalling the application and ceasing to use our services.

13. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Update the "Last Modified" date at the top of these Terms
• Notify users through the application or by email
• Post the updated Terms on our website

Your continued use of our services after changes become effective constitutes acceptance of the new Terms.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of Romania. Any disputes arising from these Terms or your use of our services will be resolved through binding arbitration in accordance with the rules of the International Chamber of Commerce.

15. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will remain in full force and effect. We will replace any invalid provision with a valid provision that most closely approximates the intent of the original provision.

16. Contact Information

17. Partners

For full transparency, we maintain a list of our partner banks and licensed financial institutions that may provide loan offers through this app. You can review the complete and updated list of partners below:

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and TM MARKETING OPS S.R.L. regarding the use of our services and supersede all prior agreements and understandings.