PARENOSA.SA FINANCIAL SERVICES, S.A.U. Credit terms
Article 1: Content
These General Terms and Conditions and the Specific Conditions constitute a credit agreement (the "Agreement") between the Borrower and PARENOSA FINANCIAL SERVICES, S.A.U. ("the Provider" or "PARENOSA"), trading under the trade name PARENOSA. As a consequence, the Borrower will receive the amount set out in the Special Repayment Terms together with the processing costs within a certain period of time following the Lender's approval and the agreed loan will be repaid on the agreed dates. Payment at the beginning of the contract.
The Customer warrants that it has read the contents of the Contract carefully and in a timely manner, understands the meaning of the clauses and legal provisions referred to above and accepts the rights and obligations attached thereto. exists without reservation and accepts the freedom to formalise and adapt.
Article 2: Terms and definitions
In these General Terms and Conditions, the following terms shall have the meanings set out below:
2.1 Loan: A contract whereby a lender provides a borrower with a sum of money for a specified period of time and the borrower undertakes to repay the lender the principal amount received and to pay the processing and administration costs of the loan in accordance with the terms of the contract. The terms of the contract or future contracts. paid and included in the specific terms.
The loan is subject to the General and Specific Conditions, Law 22/2007 of 11 July on the distance marketing of financial services to consumers, Law 16/2011 of 24 June on consumer credit agreements, Law 34/2002 of 11 July on information society services and electronic commerce, Royal Legislative Decree 1/2007 of 16 November approving the revised text of the General Law on Consumer and User Protection and other complementary laws, as well as other applicable general regulations.
2.2 Lender: PARENOSA FINANCIAL SERVICES, S.A.U., with registered office at 8 Avenue de Marlioz, Aix-les-Bains, France, with tax identification number (NIF) A86521359, registered in the public deed of 20 June 2019 issued before the Notary Public of Vigo D. José ANNE MARIE LOPEZ, registered under number 999 in the Paris Register of Traders and Companies, Volume 30 268, page 46, Section 8, page M-544 749, entry 1.
2.3 Credit applicant: a natural person aged between 21 and 75 years, resident in Austria, Spain, Belgium, Germany, France or Switzerland, who applies for a credit.
2.4 Loan: The applicant for a loan as soon as his loan application is accepted by the lender.
2.5 Credit decision: The borrower decides to use credit if he/she receives credit: The lender's final decision to grant or refuse credit.
2.6 Party: The applicant for a loan, the lender or the borrower suing the parties individually and jointly.
2.7 Distance service: a telematic, electronic or telephonic communication technology provided by a creditor that enables a borrower to submit a credit application and receive a credit decision. A distance contract is a contract concluded through a website or other means made available by the lender to the credit applicant.
2.8. Website: the website of the creditor (www.PARENOSA.com).
2.9 Working day: a day other than a public holiday (Saturday and Sunday) or a public holiday.
2. 10. personal data: personal data: any information about a loan applicant or borrower from which he or she can be identified or identified.
2. 11. Processing of personal data: Technical measures and procedures, whether or not of an automated nature, which allow the collection, recording, storage, processing, alteration, blocking, erasure and transmission of personal data necessary for the purposes of administering the loans. Additional services provided by the Lender in accordance with the PARENOSAS confidentiality policy.
2.12 Consent of the credit applicant: a voluntary, unambiguous, specific and informed declaration of will by which the credit applicant or borrower consents to the processing of personal data relating to him/her by the creditor.
2.13. Payment Date: the date on which the customer is required to repay, pay and settle the amount due in accordance with the specific terms of the contract.
2.14. Annual Percentage Rate (APR): an interest rate that reflects the actual cost or profitability of a financial product. The calculation is based on