General terms and conditions of financing

1. Presentation of the Service

This document establishes the general terms and conditions applicable to the financing services offered by Flexifinanz. By applying for funding on our platform, you agree to these terms in full.

2. Eligibility and Conditions of Access to Financing

To be eligible for funding, the applicant must:
Minimum age 18 and reside in an eligible country.
accurate and complete information on his identity, his professional and financial situation.
registered on a credit incident file unless a compensatory guarantee is provided.
type of financing requested (real estate, business, personnel, etc.).

Any false declaration may result in refusal or cancellation of financing.

3. Amount, Duration and Terms of Reimbursement

Minimum amount : 100.000 € – Maximum amount : ∞ €
Duration of financing : From 12 to 360 months depending on the project and eligibility.
Refund : Monthly, with automatic debit from the bank account provided.
Interest rate applied : From 2 %, depending on the type of financing and the borrower's profile.

Any late payment may result in additional charges and a negative impact on your credit history.

4. Guarantees and Insurance

To secure your financing, we may require:
A guarantee (mortgage, bank guarantee, pledge of assets).
Borrower insurance covering the risks of death, disability or loss of employment.

5. Commitments of the Applicant

By accepting these terms, the borrower agrees to:

monthly payments on the due dates sans retard.
any change of situation (job, income, address, etc.).

Any failure to meet commitments may result in termination of financing and legal action.

6. Processing of Personal Data

Your personal data is collected and processed in accordance with our Privacy Policy.
the study and management of your file.
never resold to third parties.
right of access, modification and deletion of your personal data.

7. Termination and Cancellation of Financing

Your request may be refused, cancelled or suspended in the following cases:

immediately repay any amount due in accordance with the conditions set out in the financing contract.

8. Complaints and Customer Service

Need help? Our team is available to answer all your questions.
Contact us by email : infos@flexifinanz.com
Or visit our offices à Paris, France; Bruxelle, Belgique; Lomé, Togo

9. Modifications to the Terms and Conditions

We reserve the right to modify these terms at any time.
Any updates will be communicated via our website and will take effect immediately.

10. Acceptance of the Conditions

By submitting your funding request, you acknowledge having read, understood and accepted the present General Conditions.

Last updated : 13/04/2018