Terms and Conditions

Introduction

Welcome to ClikCredito. These Terms and Conditions govern your use of our loan comparison platform and services. By accessing or using our website and services, you agree to be bound by these Terms and Conditions.

Please read these terms carefully before using our services. If you do not agree with any part of these terms, you must not use our platform.

Acceptance of Terms

By creating an account, submitting a loan request, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy and Cookie Policy.

🔍 Description of Services

ClikCredito provides a loan comparison platform that allows users to

👤 User Eligibility

To use our services, you must

• Be at least 18 years of age
• Have legal capacity to enter into binding contracts
• Be a resident of Spain or another country where our services are available
• Provide accurate and truthful information

User Responsibilities

As a user of ClikCredito, you agree to

• Provide accurate, current, and complete information during registration and loan applications
• Maintain the security and confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Review and understand loan terms before accepting any offer
• Comply with all applicable laws and regulations
• Use the platform only for lawful purposes

🚫 Prohibited Activities

When using our platform, you must not

• Provide false, misleading, or fraudulent information
• Attempt to access unauthorized areas of the platform
• Use automated systems (bots, scripts) to access the platform
• Interfere with or disrupt the platform's functionality
• Violate any applicable laws or regulations
• Use the platform to engage in money laundering or other illegal activities

Intellectual Property Rights

All content on the ClikCredito platform, including but not limited to text, graphics, logos, images, software, and design, is the property of ClikCredito or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not copy, modify, distribute, transmit, display, reproduce, or create derivative works from our content without our express written permission.

💰 Fees and Charges

ClikCredito's loan comparison service is provided free of charge to users. You will not be charged any fees by ClikCredito for using our platform or submitting loan requests.

However, if you accept a loan offer from one of our partner lenders, you will be subject to the terms, conditions, interest rates, and fees set by that lender. ClikCredito may receive compensation from lenders when you complete a loan application, but this does not affect the terms of your loan.

🔗 Third-Party Services and Links

Our platform may contain links to third-party websites and services. We are not responsible for the content, privacy practices, or terms of service of these third-party sites. Your interactions with third-party lenders are governed by their respective terms and conditions.

Information Accuracy

While we strive to provide accurate and up-to-date loan information, we do not guarantee the accuracy, completeness, or timeliness of any information displayed on our platform.

Loan offers, interest rates, and terms are subject to change without notice and depend on individual circumstances and lender policies. Always verify loan details directly with the lender before accepting an offer.

⚠️ Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

To the fullest extent permitted by law, we disclaim all warranties, including but not limited to

• Warranties of merchantability and fitness for a particular purpose
• Warranties that the service will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy or reliability of information provided

Limitation of Liability

To the maximum extent permitted by law, ClikCredito shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of our services or inability to use our services, even if we have been advised of the possibility of such damages.

Indemnification

You agree to indemnify, defend, and hold harmless ClikCredito, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses, including legal fees, arising from your use of our services, your violation of these Terms, or your violation of any rights of third parties.

Termination

We reserve the right to suspend or terminate your access to our services at any time, without notice, for any reason, including violation of these Terms and Conditions.

Upon termination, your right to use the platform will immediately cease. Provisions that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, and limitations of liability.

Modifications to Terms

We reserve the right to modify these Terms and Conditions at any time. We will notify you of material changes by posting the updated terms on our website and updating the "Last Updated" date. Your continued use of the platform after such changes constitutes acceptance of the modified terms.

⚖️ Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Spain, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain.

Dispute Resolution

In the event of any dispute arising from these Terms or your use of our services, you agree to first attempt to resolve the dispute informally by contacting us directly.

If the dispute cannot be resolved informally, you agree to submit to binding arbitration in Madrid, Spain, in accordance with the rules of the Spanish Arbitration Act.

Severability

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ClikCredito regarding your use of our services and supersede any prior agreements.

📞 Contact Information

If you have any questions or concerns about these Terms and Conditions, please contact us