I. GENERAL INFORMATION

This website, https://www.now.credit, (hereinafter, the Website or now.credit) is owned by: ONDARA CAPITAL, S.L., whose contact details are: Registered office: Muntaner 354 4º 2ª, 08021, Barcelona. Contact email: contacto@now.credit

II. GENERAL TERMS AND CONDITIONS OF USE

Purpose of the terms: the Website

The purpose of these General Terms of Use (hereinafter, the “Terms”) is to regulate access to and use of the Website. For the purposes of these Terms, the Website shall mean: the external appearance of the screen interfaces, both static and dynamic, i.e. the navigation tree; and all the elements integrated in both the screen interfaces and the navigation tree (hereinafter, the “Content”) and all online information and comparison services or resources on financial products and services that it may offer to Users (hereinafter, the “Services”).
now.credit reserves the right to modify, at any time and without prior notice, the presentation and configuration of the Website and of the Content and Services that may be incorporated into it. The User acknowledges and accepts that now.credit may at any time interrupt, deactivate and/or cancel any of these elements integrated into the Website or access to them.
The User
Access to, browsing and use of the Website confers the status of User, whereby all the Terms set out here, as well as any subsequent amendments, are accepted from the moment browsing of the Website begins, without prejudice to the application of the corresponding mandatory legal regulations as the case may be. Given the importance of the above, the User is advised to read them each time they visit the Website.
The now.credit Website provides a wide variety of information, Content, Services and data. The User assumes responsibility for using the Website correctly. This responsibility shall extend to: use of the information, Content and/or Services and data offered by now.credit that is not contrary to these Terms, the Law, morality or public order, or that may in any other way infringe the rights of third parties or the operation of the Website itself; and the truthfulness and lawfulness of the information provided by the User in the forms issued by now.credit for access to certain Content or Services offered by the Website. In any case, the User shall immediately notify now.credit of any event that allows the improper use of the information registered in such forms, such as, but not limited to, theft, loss or unauthorised access to identifiers and/or passwords, so that they can be cancelled immediately.
Mere access to this Website does not imply entering into any kind of commercial relationship between now.credit and the User.
The User declares that they are of legal age and have sufficient legal capacity to be bound by these Terms. Therefore, this now.credit Website is not aimed at minors. now.credit declines any liability for failure to comply with this requirement.
The Website is mainly aimed at Users resident in Spain. now.credit does not guarantee that the Website complies with the laws of other countries, either in whole or in part. If the User resides or is domiciled elsewhere and decides to access and/or browse the Website, they shall do so under their own responsibility and must ensure that such access and browsing complies with the local legislation applicable to them, with now.credit assuming no liability that may arise from such access.
Cost of the service
Access to and use of the Website’s services is completely free of charge for Users, except for the User’s cost of connecting through the telecommunications networks of their Internet service provider.
Registration
The use of some of the Website’s Content or Services may require prior subscription or registration by Users, who shall be duly identified.
Registration provides a User identifier, which will be the chosen mobile phone number and password generated by the User during the registration process. This access key will be personal and non-transferable. These details will be requested each time the User wishes to access their personal area in order to use the Website’s services, so they will serve as the identification and authentication procedure in the system. The password chosen by the User will be personal and non-transferable, and may not be assigned, even temporarily, to third parties. In this regard, Users undertake to use the password chosen to access the Website and/or the services it provides diligently and to keep it secret. If Users know or suspect the loss, theft or use of their password by third parties, they must inform now.credit of this circumstance as soon as possible.
Users are advised to change their password periodically. The User shall keep the password with due diligence and shall be responsible for any use of or access to it by unauthorised third parties. now.credit will not ask the User by any means to disclose the key or password that allows access to the Website’s Services. The User undertakes not to disclose the access key to third parties. Each User shall be liable for the expenses and damages caused by the use of the services by any third party using their password as a result of negligent use or loss by the User.
Comparison and information service on financial products and services
The User may access this service by completing the corresponding registration in the ‘How much money do you need?’ tab, through the ‘Simulator’ or any other section that leads the User to complete the application form. To this end, they shall indicate the amount to be requested and the monthly repayment instalments of the loan. now.credit offers flexible personal loans that you can repay in 1 month or up to 6 years with a minimum APR of 7% and a maximum of 35%. For example, if you request a loan of €5,000 over 24 months, we will pay €4,825 into your bank account (€5,000 minus management fees). The total amount to be repaid will be €5,482.17 with an applied APR of 9.38%.
The User must complete the online registration application through the online questionnaire so that now.credit can tailor the financial offers to their needs and profile. If any of the questions is not mandatory, this will be indicated on the form, and the User may continue with the Service without answering that question. Once the User has answered the questions in the online questionnaire, now.credit will display, within a maximum of 60 seconds, all the available contracting offers in accordance with the information provided by the User in the questionnaire. All prices or rates shown as available will include VAT, fees and any other applicable expenses and taxes. Any other extra expense arising from contracting will be indicated clearly and precisely, provided the provider of the financial product notifies us of it.
THE USER MUST BEAR IN MIND THAT THE FINANCIAL OFFERS AND CONDITIONS ARE PROVIDED DIRECTLY BY THE LENDING INSTITUTIONS WITH WHICH THE USER MAY ULTIMATELY CONTRACT; now.credit THEREFORE HAS NO RESPONSIBILITY FOR SUCH CONDITIONS OR OFFERS, NOR DOES IT PARTICIPATE IN ANY WAY IN THEIR CONTRACTING, SINCE FOR THIS SERVICE now.credit OPERATES AS AN INDEPENDENT AND IMPARTIAL COMPARISON TOOL, WITHOUT ADVISING ON THE AVAILABLE PRODUCTS OR WHICH BEST SUIT THE USER’S PROFILE, AS THE OFFER WILL BE PROVIDED BY THE FINANCIAL INSTITUTION INDICATED.
Since the offers are provided by the financial institutions, they may be modified by them at any time, so we recommend that the User verify them with those institutions before contracting the financial product or service. now.credit shall not be liable if the selected product is ultimately unavailable, nor for any damages the User may suffer arising from the information provided by the financial institutions in this service. Nor shall it be liable for any contingencies or damages that may arise in the relationship between the borrower and the service providers during the term of the contract signed with them, or after its termination.

III. ACCESS TO AND BROWSING OF THE WEBSITE: EXCLUSION OF WARRANTIES AND LIABILITY

now.credit reserves the right to interrupt access to the Website, as well as the provision of any or all of the Content or Services provided through it, at any time and without prior notice, whether for technical, security, control or maintenance reasons, power supply failures or any other justified cause.
Consequently, now.credit does not guarantee the reliability, availability or continuity of the Website or the Content, so their use by Users is at their own risk, and no liability may be claimed at any time for the discontinuity or unavailability of its services.
now.credit shall not be liable for service interruptions, delays, errors, malfunctions and, in general, other inconveniences originating from causes beyond the control of now.credit, and/or due to wilful or negligent conduct by Users and/or originating from Force Majeure. Without prejudice to article 1105 of the Civil Code, Force Majeure shall also include, for the purposes of these general terms, all events occurring outside the control of now.credit, such as: failure of third parties, operators or service companies, acts of Government, lack of access to now.credit networks, acts or omissions of Public Authorities, those produced as a result of natural phenomena, power cuts, etc., and attacks by hackers, crackers or other third parties on the security or integrity of the computer system. In any case, whatever the cause, now.credit shall not assume any liability for direct or indirect damage, consequential loss and/or loss of profit.
The information content of the Website is general in nature and purely informative, without guaranteeing full access to its Content, nor that it is complete, correct, valid or up to date, nor appropriate or useful for particular purposes. now.credit makes the information available to the User “as is” and “as available”, without warranty of any kind, and in particular that such Content is suitable for the User’s particular situation. Mere access to the information contained on the Websites does not create a binding contractual relationship with the User, nor any other type of relationship or commitment.
Consequently, now.credit excludes any liability for damages of any kind that may be due to the lack of truthfulness, accuracy, completeness and/or timeliness of the Content transmitted, disseminated, stored, made available or received, obtained or accessed through the Website, nor for the Content or Services provided or offered by the lending institutions. now.credit will try, as far as possible, to update and correct any information hosted on the Website that does not meet the minimum guarantees of truthfulness. However, it shall be exempt from liability for failure to update or correct it, as well as for the content and information contained therein.
now.credit excludes any liability for damages of any kind that may be due to the presence of viruses or other harmful elements in the Content that may cause alterations to computer systems, as well as to the documents or systems stored on them.
now.credit is not responsible for any content, whatever it may be, that Users send to now.credit through the Website, by email or by any other means, and Users shall therefore be liable for any responsibility arising from the content they send.
now.credit is not responsible for Users’ use of the Website Content, their passwords, or any other material contained on the Website that may constitute a violation of any type of rule, national or international, of intellectual or industrial property rights or any other third-party right. Likewise, it is not responsible for any security errors that may occur as a result of using outdated browser versions, or for the consequences that may arise from browser malfunction, whether due to inadequate configuration, the presence of computer viruses or any other cause beyond now.credit’s control.

IV. LINKS POLICY

The Website may include technical link or redirection devices, directories and even search tools that allow the User to access other Internet pages (hereinafter “Linked Sites”). In this case, now.credit may act as a service provider that facilitates links to Linked Sites, in accordance with article 17 of Law 34/2002, of 11 July, on information society services and electronic commerce (LSSICE). To this end, it shall not be liable for the information stored provided that (i) it has no actual knowledge that the activity or information stored is unlawful or infringes third-party property or rights, and (ii) if it becomes aware of it, it acts diligently to remove the data or make access impossible.
If the User considers that there are Linked Sites with unlawful or inappropriate content, they may report it, without this implying any obligation to remove the corresponding link. now.credit does not know the content and services of the Linked Sites and is therefore not responsible for damages arising from their lack of quality, obsolescence, unavailability, error, uselessness or illegality, and is not responsible for statements made or content or services provided through them. now.credit operates as an independent and impartial financial product comparison tool.
Also, when now.credit publishes third-party content, it shall not be liable for its truthfulness and accuracy, and shall be exempt from any contractual or non-contractual liability towards the User who uses it. In no case should the existence of Linked Sites imply the existence of agreements with their managers or owners, nor the recommendation, promotion or identification of now.credit with the statements, content or services provided.

V. INTELLECTUAL AND INDUSTRIAL PROPERTY

The User acknowledges and accepts that all copyright, trademarks and any other intellectual or industrial property rights over the Content, Services or materials presented on the Website belong at all times to now.credit, either in its own right or as assignee. These rights include, by way of example and not limitation, any rights susceptible to intellectual and industrial property such as names, trademarks, source code, texts, images, photographs, icons, drawings, colour combinations, audio and/or video files, software files, buttons, brands, logos, slogans and designs, the selection of materials used, as well as the structure and presentation of any information and/or content of this Website.
Pursuant to Royal Legislative Decree 1/1996, of 12 April, approving the Consolidated Text of the Intellectual Property Law, as well as Law 17/2001, of 7 December, on Trademarks and supplementary legislation on intellectual and industrial property, the copying, reproduction, modification, transformation, distribution, extraction, reuse, forwarding and public communication – including making available all or part – of the Content or Services of this Website, whether or not for profit, in any medium and by any technical means, without the express written authorisation of now.credit or, where applicable, the holder of the industrial or intellectual property rights, is expressly prohibited.
Access to the Website does not grant any licence or authorisation, nor does it represent any assignment of the industrial or intellectual property rights over the Content, Services and/or information on the Website, beyond strictly personal use. The User may view and obtain temporary private copies of the Content for their exclusive and private use on their computer systems (hardware and software), provided that the purpose is not to carry out any commercial or professional activity. The User may not obtain or attempt to obtain the content of the Website by means or procedures other than those intentionally made available or indicated for this purpose, or those commonly used on the Internet (provided the latter do not entail a risk of damage or disablement for now.credit). The User must respect at all times the existing intellectual and industrial property rights of now.credit or third parties, making authorised use of the materials and information contained on this Website.
If any User considers that their intellectual property rights have been infringed, they must notify now.credit as soon as possible.

VI. CONSUMER AND USER REGULATIONS

now.credit’s activity may sometimes consist of indicating through the Website the features and conditions of certain consumer loans to Users who are considered consumers and users, and informing them of the different options marketed by third-party lending institutions that suit their needs and profile.
Users who are considered consumers, i.e. natural persons acting for purposes outside their trade, business, craft or profession, should bear in mind that they have a period of 14 days from contracting to exercise their right of withdrawal from now.credit’s financial product information and comparison Services, without having to give a reason and without penalty. To do so, the User must contact us by email at info@now.credit
Users may also submit their complaints, claims or other comments by email to info@now.credit. Users are also informed that now.credit has official complaint forms available to Users, which they may request at any time.
now.credit will handle the request as soon as possible and, in any case, within a maximum of one month. If the Users’ request is not resolved satisfactorily, they may take the actions they are entitled to and consider appropriate. Likewise, in compliance with article 14.1 of EU Regulation 524/2013, consumers established in the European Union may submit their complaints or disputes through the European Commission’s online dispute resolution platform, available at the following link: http://ec.europa.eu/consumers/odr/ .

VII. LEGAL ACTIONS, APPLICABLE LAW AND JURISDICTION

now.credit reserves the right to bring any civil or criminal actions it deems necessary for the improper use of the Website and its Content or Services, or for breach of these Terms.
The relationships established between now.credit and Users shall be governed by current regulations and within the competent jurisdiction. However, where the applicable law allows the parties to submit to a particular jurisdiction, now.credit and the User, expressly waiving any other jurisdiction that may correspond to them, submit to the Courts and Tribunals of the city of Barcelona.
These Terms of Use are governed by Spanish law.